Terms & Conditions

Introduction & Acceptance

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 these Terms & Conditions, Privacy Policy, and Legal Disclaimers.

Acceptance is considered valid through clicking "I Agree" or 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.

Loan-Related Terms & User Responsibilities

• 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 & Account Security

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.

Data Usage & Privacy

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

• Customer verification and KYC compliance
• Service delivery and account management
• Analytics and service improvement
• Marketing and promotional communications
• Transaction execution and processing

User consent is taken electronically and may be withdrawn through notified procedures.

Communication Consent

Users agree to receive emails, SMS, WhatsApp messages, and calls from Dhanam, even overriding DND (Do Not Disturb) settings. Communications may relate to account updates, promotional offers, payment reminders, and service notifications.

Intellectual Property

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 without express written permission.

Prohibited Activities

Users are expressly prohibited from:

• Reverse engineering any software on the website
• Using robots, scrapers, or spiders to collect data
• Uploading viruses or malicious code
• Posting unlawful, abusive, defamatory, or rights-infringing content
• Using the platform for commercial resale
• Claiming any endorsement from Dhanam
• Misusing or relying solely on website information for financial decisions

Limitation of Liability

The website is provided on an "as-is" and "no warranty" basis. 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.

Termination

Dhanam may terminate access anytime without notice for violations or unlawful activity. Users may discontinue use anytime; access stops immediately post-termination.

Governing Law & Dispute Resolution

• Governing Law: Indian law applies; Coimbatore courts have exclusive jurisdiction
• Arbitration: Single arbitrator mutually appointed (or under Arbitration Act if not agreed). Seat: Coimbatore. Language: English. Award is final and binding

Force Majeure

Dhanam is not liable for disruptions caused by Force Majeure events including natural disasters, technical failures, strikes, pandemics, government actions, or any event beyond the Company's reasonable control.

Miscellaneous

Users must not engage in illegal activities and cannot assign rights under these Terms. Dhanam may modify or discontinue website facilities anytime without liability. If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force.