Terms and Conditions

The website www.dhanamfinance.com is owned and operated by Dhanam Investment and Finance Pvt. Ltd.

By accessing or using the website, users agree to be bound by:

• Terms & Conditions
• Privacy Policy
• Legal Disclaimers

Acceptance is considered valid through:

• Clicking "I Agree"
• Continued use of the website

These Terms apply to all pages, services, and linked platforms under Dhanam. Users must ensure they have legal capacity or authority to bind another person if acting on their behalf. The Terms may be updated anytime, and continued usage implies acceptance.

• Users must provide true, complete, and updated information while applying for loans
• DHANAM may verify details via calls/SMS, collect information from credit bureaus, banks, telecoms, group companies, and regulators
• DHANAM may share user information with third parties for verification, credit assessment, marketing, and service delivery
• Loan applications may be approved or rejected at DHANAM's discretion
• Users must update DHANAM with any changes in personal information
• Registration allows viewing and managing all products via one login. Users are fully responsible for safeguarding their username/password
• Website facilities are not financial advice; users must consult professionals for investment, tax, or legal decisions

DHANAM collects, stores, processes, and shares personal data as per Indian laws and its Privacy Policy for:

• Customer verification
• Service delivery
• Analytics
• Marketing/promotions
• Transaction execution

User consent is taken electronically and can be withdrawn through notified procedures. Users agree to receive emails, SMS, WhatsApp messages, calls, etc., even overriding DND settings.

Website functioning includes use of cookies, possible errors, bugs, delays, outages with no guarantees of availability, accuracy, or timeliness. No liability for data loss, virus attacks, technical failures, or disruptions. Users accessing the website from outside India are responsible for complying with local laws.

All content (text, graphics, images, logos, videos, software) is owned by DHANAM or licensed to it.

Users cannot:

• Copy, modify, distribute, display, or reproduce any website material
• Reverse engineer software
• Use robots/scrapers/spiders
• Upload viruses/malicious code
• Post unlawful, abusive, defamatory, or rights-infringing content
• Use the platform for commercial resale
• Claim any endorsement from DHANAM
• Misuse or rely solely on website information for financial decisions

Website provides "as-is" and "no warranty" usage. DHANAM is not liable for direct, indirect, incidental, or consequential damages, third-party website content, unauthorised use of accounts, mis-delivery, deletion, failure to store data, or system failures. Users must indemnify DHANAM against all third-party claims arising from misuse.

• DHANAM may terminate access anytime without notice for violations or unlawful activity
• Users may discontinue use anytime. After termination, access stops immediately and Terms meant to survive will continue
• Governing Law: Indian law applies, Coimbatore courts have exclusive jurisdiction
• Arbitration: Single arbitrator mutually appointed (or under Arbitration Act if not), Seat: Coimbatore, Language: English, Award is final and binding
• DHANAM is not liable for disruptions caused by Force Majeure (natural disasters, technical failures, strikes, etc.)
• Users must not engage in illegal activities, must comply with all laws, and cannot assign rights under these Terms
• DHANAM may modify or discontinue website facilities anytime without liability