Terms & Conditions

Welcome to ST. XAVIER'S CAPITAL. By accessing or using our website and services, you agree to comply with the following Terms & Conditions.

1. Acceptance of Terms

By using this website, you confirm that you have read, understood, and agreed to these Terms & Conditions.

2. Services Offered

ST. XAVIER'S CAPITAL provides financial consultancy services including:

• Financial Health Reports (FHR)
• Loan guidance and consultation
• Financial awareness and education
• Credit score counselling
• Goal-based financial planning

The services provided are advisory in nature and intended to support informed financial decision-making.

3. User Responsibilities

Users agree to:

• Provide accurate and truthful information
• Use the website only for lawful purposes
• Avoid misuse, fraudulent activity, or unauthorized access
• Maintain confidentiality of any login or account credentials

4. No Financial Guarantee

We provide guidance and consultancy based on the information shared by users. Approval of loans, financial products, or services depends entirely on the policies and decisions of banks or financial institutions. We do not guarantee loan approvals or financial outcomes.

5. Intellectual Property

All website content including text, design, graphics, logos, images, and information belongs to ST. XAVIER'S CAPITAL and may not be copied, reproduced, or distributed without written permission.

6. Limitation of Liability

ST. XAVIER'S CAPITAL shall not be held liable for:

• Financial losses arising from user decisions
• Delays or failures caused by third-party institutions
• Website interruptions, technical issues, or unauthorized access
• Any indirect or consequential damages related to service usage

7. Third-Party Services

Our website may contain references or links to third-party services and institutions. We are not responsible for their policies, actions, or services.

8. Service Modifications

We reserve the right to modify, suspend, or discontinue any service or content on the website without prior notice.

9. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of the appropriate courts.

10. Contact Us

For any queries related to these Terms & Conditions, users may contact us through the official contact details provided on the website.