Welcome to Global Salaha & Financial Services (“Global Salaha”, “we”, “us” or “our”). By accessing this website, submitting an enquiry, requesting a consultation or using our services, you agree to these Terms & Conditions. If you do not agree with these terms, please do not use the website or services.
1. Nature of Our Services
Global Salaha & Financial Services provides support, facilitation, documentation assistance, financial consulting and general advisory services across areas such as:
- Loan and funding assistance.
- Tax planning and compliance support.
- Business registrations and documentation support.
- Wealth and investment planning support.
- Retirement planning.
- Insurance-related guidance and support.
- CIBIL and credit-report support.
- Business advisory and financial documentation support.
Where a service involves a regulated product, statutory filing, legal matter, investment product, insurance product, tax certification or other regulated activity, the service may be coordinated through appropriately authorised or qualified professionals or institutions as required by applicable law.
2. No Guarantee of Approval or Outcome
We do not guarantee any loan sanction, interest rate, credit limit, disbursement timeline, insurance issuance, claim approval, CIBIL score increase, tax outcome, registration approval, investment return, business profit or other specific result.
3. Accuracy of Information Provided by You
You agree that all information, documents and declarations provided to us will be accurate, genuine, complete and not misleading.
- You must not submit forged, altered, false or fraudulent documents.
- You must not conceal material information that may affect an application or service.
- You are responsible for verifying names, dates, account details and other information before submission.
4. Loan and Funding Services
Loan eligibility, interest rate, tenure, processing fees, collateral requirements, documentation and approval are determined by the relevant lender.
We may assist with documentation, application coordination and lender communication, but we do not represent that any particular lender will approve an application.
5. Banks, NBFCs and Third-Party Institutions
Our website may mention banks, NBFCs, insurers, financial institutions, government bodies, credit bureaus or other third parties. Unless expressly confirmed in writing, such references do not automatically create or imply an official partnership, endorsement, agency, employment or exclusive relationship.
6. Tax, Compliance and Registration Services
Tax, GST, ROC, company registration, trademark, MSME/Udyam, FSSAI, Startup India and similar services are subject to applicable laws, authority requirements, government portals, documentation and professional review where necessary.
Government fees, statutory fees, penalties, filing dates and processing timelines may change and are outside our direct control.
7. Investment and Wealth Planning
Investments involve risk and returns are not guaranteed. Any information provided on our website regarding investments, asset allocation, wealth management or retirement planning is general in nature unless otherwise clearly stated.
Where personalised regulated investment advice or product distribution requires specific registration or authorisation, such activity should be undertaken only by appropriately authorised or registered persons or entities.
8. Insurance Services
Insurance products are subject to underwriting, policy wording, exclusions, waiting periods, premiums, insurer rules and applicable law. We do not guarantee policy issuance or claim settlement.
Customers should carefully review the policy wording, benefit illustration, exclusions and applicable terms before purchasing any insurance product.
9. CIBIL and Credit Support
Global Salaha & Financial Services is not TransUnion CIBIL or another credit bureau. We cannot directly alter, delete or manipulate a credit score or genuine credit history.
We may assist with credit-report understanding, documentation and dispute guidance where a genuine reporting discrepancy may exist.
10. Fees and Charges
Where professional or service fees apply, they will be communicated separately. Government fees, lender charges, processing fees, insurance premiums, statutory fees, taxes and third-party charges are separate unless explicitly stated otherwise.
Payment of our service fee does not guarantee successful approval or completion by a third party.
11. Refunds
Refund eligibility, if any, will depend on the nature of the service, work already completed, third-party fees incurred and the applicable refund policy. Government fees, statutory fees, lender fees and other non-refundable third-party charges are generally outside our control.
12. Website Information
We make reasonable efforts to keep website information accurate and current, but financial products, regulatory requirements, interest rates, eligibility criteria, government rules and third-party terms can change without notice.
You should verify material information directly with the relevant institution before making a financial or legal decision.
13. Prohibited Use
You must not use our website or services to:
- Commit fraud or misrepresentation.
- Create or submit fake documents.
- Attempt to manipulate genuine credit history.
- Misuse another person's identity or financial information.
- Interfere with the website, systems or security.
- Engage in unlawful or prohibited financial activity.
14. Intellectual Property
The website design, brand name, logo, text, graphics and original content associated with Global Salaha & Financial Services may be protected by applicable intellectual-property laws. You may not reproduce or commercially use our proprietary content without permission.
15. Privacy
Your use of the website is also subject to our Privacy Policy, which explains how we collect, use and protect personal information.
16. Third-Party Links
Our website may contain links to third-party websites, portals or services. We are not responsible for the content, availability, security or privacy practices of third-party websites.
17. Limitation of Liability
To the extent permitted by applicable law, Global Salaha & Financial Services will not be responsible for indirect, incidental, consequential or third-party losses arising from:
- Rejection or delay of a loan, insurance, tax, registration or other application.
- Changes in lender, insurer, government or regulatory policies.
- Investment or market losses.
- Third-party website failures or service interruptions.
- Inaccurate or incomplete information provided by the user.
18. Indemnity
You agree to be responsible for losses or claims arising from fraudulent, unlawful, inaccurate or unauthorised information or documents submitted by you through our services, subject to applicable law.
19. Suspension or Refusal of Service
We may refuse, suspend or discontinue service where:
- Required information is not provided.
- Information appears false, inconsistent or suspicious.
- The requested service appears unlawful or inappropriate.
- We are unable to provide the service due to legal, regulatory or operational reasons.
20. Changes to Terms
We may update these Terms & Conditions periodically. The revised version will be posted on this page with an updated date. Continued use of the website after changes are published constitutes acceptance of the revised terms to the extent permitted by law.
21. Governing Law and Jurisdiction
These Terms & Conditions will be governed by the laws of India. Subject to applicable law and any mandatory consumer or regulatory forum, disputes may be subject to the jurisdiction of competent courts having territorial jurisdiction over our place of business in Odisha.
22. Contact Us
For questions regarding these Terms & Conditions, you may contact:
Global Salaha & Financial Services
SB319, 3rd Floor, Grand Bazar,
Cuttack - Bhubaneswar Road,
Phulnakhara, Odisha 754001
Phone: +91 62902 15478
Email: info@globalsalaha.com