Applies To: www.raghavcapital.in and all related sub‑pages, microsites, lead‑gen forms, or digital touchpoints operated for or on behalf of Raghav Investment Private Limited (“Raghav Capital,” “we,” “us,” or “our”).

By accessing or using the Website; submitting an enquiry; requesting a call‑back; uploading a résumé on the Careers page; subscribing to updates; or otherwise interacting with any tools, content, downloads, data, calculators, or communication channels provided on or through the Website (collectively, the “Services”), you agree to be bound by these Terms & Conditions (the “Terms”). If you do not agree, do not use the Website.

The Website is operated for and on behalf of Raghav Investment Private Limited, a company incorporated under the Companies Act, 2013.

Corporate Identification Number (CIN): U65999RJ2019PTC065819

Registered Office: 501, 506 & 507B Crystal Mall, Sawai Man Singh High, Bani Park, Jaipur, Rajasthan, India, 302016

Operational / Correspondence Address (if different): 806, Floor-8, Plot-453, Lodha Supremus, Senapati Bapat Marg, Lower Parel, Delisle, Mumbai, Maharashtra, India, 400013

General Enquiries: support@raghavcapital.in, Ph.No. +0141-4002428.

Business / Client Services: info@raghavcapital.in

Legal Notices: nehajain@raghavcapital.in

Name: Hiitender Gahlyan

Email: hiitender@raghavcapital.in

Phone: +91-8826668887

Postal: 501, 506 & 507B Crystal Mall, Sawai Man Singh High, Bani Park, Jaipur, Rajasthan, India, 302016.

Response SLA: We aim to acknowledge within 3 working days and resolve within 30 days of receipt of a complete complaint.

You represent and warrant that:

• You are at least 18 years of age (or the age of majority in your jurisdiction) and competent to enter into a binding agreement; or you are a lawful parent/guardian acting on behalf of a minor for permitted use cases.
• Any information you submit is true, accurate, current, and complete to the best of your knowledge.
• You have the authority to submit information on behalf of the entity or individual you represent.

If you are a financial institution, distributor, or channel partner submitting data on behalf of clients, you are responsible for obtaining all required consents and authorizations.

All content on the Website is provided for general informational and educational purposes only. Nothing on the Website should be interpreted as:

• Investment advice or a recommendation to buy, sell, or subscribe to any securities or financial instruments;
• An offer, solicitation, commitment, or guarantee of funding, returns, or performance;
• Legal, tax, or accounting advice;
• A substitute for professional advice from a qualified, registered adviser, broker, or other regulated professional.

You should consult your own independent financial, legal, tax, or other professional advisers before acting on any information found here.

Raghav Capital is not registered as a SEBI Investment Adviser, Research Analyst, Portfolio Manager, Stock Broker, NBFC, Insurance Intermediary, or other regulated financial intermediary unless expressly stated elsewhere on this Website together with a valid registration number. Accordingly, we do not provide personalized securities recommendations or investment advice. Please consult a SEBI‑registered professional before making investment decisions.

You may be able to submit information without creating a user account (e.g., via contact or loan interest forms). Where an account, dashboard, or application tracking login is later provided:

• You are responsible for maintaining the confidentiality of login credentials.
• You agree to immediately notify us of any unauthorized use or security breach.
• We reserve the right to suspend or terminate accounts that are inactive, incomplete, fraudulent, or used in violation of law or these Terms.

You agree to keep all submitted information accurate and up to date. We may reject, disable, or delete submissions that appear false, misleading, abusive, or incomplete.

You agree not to:

• Use the Website for unlawful, fraudulent, or harmful purposes;
• Misrepresent identity, income, assets, collateral, authorization, or financial position;
• Submit data belonging to another person without lawful authority and proper consent;
• Attempt to probe, scan, or test the vulnerability of the Website or related systems;
• Introduce malware, scraping bots, automated scripts, or harmful code;
• Circumvent any access, rate limiting, security, or authentication measures;
• Copy, frame, mirror, or deep link to Website content for commercial use without prior written consent;
• Use information from the Website to create derivative databases, mailing lists, or competitive products.

We reserve the right to investigate and take appropriate legal action (including reporting to law enforcement or regulators) for any illegal or unauthorized use.

Unless otherwise indicated, the Website—including its design, layout, text, graphics, icons, process flows, product descriptions, downloadable resources, and all logos and marks associated with Raghav Capital—is owned by or licensed to Raghav Investment Private Limited and is protected under applicable copyright, trademark, and other intellectual property laws.

You are granted a limited, non exclusive, non transferable, revocable license to access and use the Website solely for personal, internal, informational purposes and to evaluate whether to engage with our Services. Except as expressly permitted by these Terms or under applicable copyright exceptions, you may not copy, reproduce, modify, adapt, distribute, publish, display, perform, transmit, create derivative works from, or commercially exploit any part of the Website without our prior written consent.

Third party trademarks, product names, bank logos, and brand materials that may appear in informational sections remain the property of their respective owners and are used for identification or descriptive purposes only.

Certain parts of the Website may allow you to upload, submit, or transmit content, including personal information, financial details, supporting documents, résumés, business plans, comments, or feedback (collectively, "User Content").

By submitting User Content, you:

• Grant us a worldwide, non exclusive, royalty free, sublicensable license to use, store, host, transmit, analyze, reproduce, and share such content solely for the purpose of providing the Services, responding to your request, fulfilling regulatory requirements, or connecting you with potential lending or financial partners; and
• Represent that you have all necessary rights, consents, and permissions to submit the content and to grant the above license.

We may remove or decline to process User Content that violates law, infringes intellectual property, endangers security, or is inconsistent with the purpose of the Services.
Use of personal data is further governed by our Privacy Policy (see Section 18).

The Website may reference, link to, or facilitate introductions to third party financial institutions (banks, NBFCs, housing finance companies), service providers, verification agencies, KYC partners, credit bureaus, background check vendors, analytics platforms, or government portals. These third parties are not under our control, and we are not responsible for their content, accuracy, policies, privacy practices, or product suitability.
If you choose to interact with a third party, you do so at your own risk and subject to that third party's own terms, privacy policy, eligibility criteria, and compliance processes. We encourage you to review those documents carefully.

Use of the informational portions of the Website is generally free to users. However:

• Lending partners may charge application, processing, legal, valuation, insurance, or documentation fees as per their own schedules.
• Raghav Capital may receive referral, marketing, or service fees from lending or channel partners where contractually agreed. Such commercial arrangements do not affect your statutory rights but may influence which partners we present first.
• We will disclose any direct fees payable by you to Raghav Capital (if introduced) at or before the point of collection.

The Website and all information, content, tools, and Services are provided on an "as is" and "as available" basis without warranties of any kind, express, implied, or statutory. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, accuracy, non infringement, uninterrupted access, error free operation, data completeness, or freedom from malware.
We do not warrant that: (a) loan eligibility tools, calculators, or indicative rates reflect actual offers; (b) submissions will lead to approval or funding; (c) Website content is always current, complete, or error free; or (d) electronic transmissions are secure or virus free.
Applicable law may not allow the exclusion of certain implied warranties; in such cases, the scope of our disclaimer will be the minimum permitted under law.

To the maximum extent permitted by applicable law, Raghav Capital, its directors, officers, employees, agents, affiliates, and partners shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or lost profit damages arising from or related to: (a) your use of or inability to use the Website or Services; (b) reliance on any information obtained from the Website; (c) delays, errors, or interruptions in transmission; (d) actions or omissions of third party partners; or (e) unauthorized access to or alteration of your submissions.
Where liability cannot be excluded but may be limited, our total aggregate liability to you for all claims arising out of or related to the Website or these Terms shall not exceed the greater of (i) INR 1,000 or (ii) the total amount you have paid directly to Raghav Capital for chargeable Services in the twelve (12) months preceding the claim.
Some jurisdictions do not allow limitations of liability for personal injury, gross negligence, willful misconduct, or statutory consumer rights; in such cases, the relevant limitation will apply only to the extent permitted by law.

You agree to defend, indemnify, and hold harmless Raghav Capital and its directors, officers, employees, consultants, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your access to or use of the Website or Services;
• Your breach of these Terms;
• Your violation of applicable law or regulation;
• Your infringement of any third party right (including intellectual property, privacy, or publicity rights);
• Any content or data you submit (accuracy, authorization, legality, or appropriateness).

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you must indemnify us; you agree to cooperate with such defense.

We may, with or without notice, suspend, restrict, or terminate access to all or part of the Website or Services (including deletion of submissions) if we believe you have violated these Terms, applicable law, data privacy requirements, intellectual property rights, or security standards; or if required by regulatory or law enforcement authorities.

Upon termination:

• Your right to use the Services ceases immediately.
• We may retain or archive information as required by law, for fraud prevention, regulatory audit, dispute resolution, or business continuity (see Privacy Policy for retention).

Your submission and our handling of personal information are governed by our [Privacy Policy]. The Privacy Policy explains what data we collect, how we use it, how long we retain it, rights available to individuals, and how to contact our Grievance Officer. By using the Website or submitting information, you acknowledge that personal data will be processed in accordance with that Policy.

When you submit a form, request a call back, email us, or provide a phone number, you consent to receiving communications from us (and, where applicable, from our lending partners) by email, phone, SMS, WhatsApp, or other electronic means for the purposes of responding to your enquiry, collecting additional information, providing status updates, marketing similar financial products (where permitted), or fulfilling regulatory obligations.
You may opt out of marketing communications at any time by following the unsubscribe instructions in an email or by writing to support@raghavcapital.in with the subject line “Opt Out.” Transactional, service, or legally required communications may continue even if you opt out of marketing.

Legal or contractual notices to Raghav Capital must be delivered by both (a) email to nehajain@raghavcapital.in and (b) hard copy courier/post to the Registered Office address in Section 2. Notices are deemed received: (i) when acknowledged by return email; or (ii) 5 business days after dispatch by registered post/courier with proof of delivery, whichever is earlier.

We may add, modify, suspend, or discontinue any feature, content element, tool, or Service at any time without prior notice. We are not liable to you or to any third party for any modification, suspension, or discontinuation of the Services.

We may revise these Terms from time to time to reflect changes in law, regulation, technology, business offerings, or user feedback. The “Last Updated” date at the top of this page indicates when changes last occurred.
If we make material changes that affect your rights or obligations, we will make reasonable efforts to notify you—such as by posting a prominent notice on the Website, sending an email (if you have provided one), or obtaining renewed consent where legally required. Your continued use of the Website after changes become effective constitutes acceptance of the revised Terms.

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Subject to Section 22.2 (Arbitration, if elected), the courts located in Jaipur, Rajasthan, India shall have exclusive jurisdiction over all disputes arising out of or relating to these Terms, the Website, or the Services.

If both parties agree in writing, disputes that can be submitted to arbitration under Indian law may be referred to arbitration under the Arbitration and Conciliation Act, 1996. The tribunal shall consist of a sole arbitrator mutually agreed by the parties (or appointed under the Act). Seat and venue: Jaipur, Rajasthan. Language: English. The arbitrator’s award shall be final and binding, subject to limited grounds of challenge under the Act.

You agree to use the Website only in compliance with all applicable laws, rules, and regulations, including but not limited to:

• Indian Contract Act, 1872;
• Information Technology Act, 2000 and rules thereunder (including Reasonable Security Practices and SPDI Rules);
• Digital Personal Data Protection Act, 2023 (as notified and in force from time to time);
• Anti money laundering (AML) and Know Your Customer (KYC) requirements applicable to financial institutions;
• Any sector specific regulations applicable to products you pursue through third party partners (e.g., RBI, SEBI, NHB, IRDAI guidelines).

The Website is intended for users located in India. Access from other jurisdictions is at your own initiative and risk. We do not represent that the Website or its content is appropriate or available for use in all locations. Users who access the Website from outside India are responsible for compliance with local laws to the extent they apply.

If any provision of these Terms is found to be unlawful, void, or unenforceable under applicable law, that provision shall be deemed severable and shall not affect the validity or enforceability of the remaining provisions.

No waiver of any term, condition, or right under these Terms shall be effective unless in writing and signed (including digital signature) by an authorized representative of Raghav Capital. Failure to enforce any provision shall not constitute a waiver of future enforcement.

You may not assign, transfer, delegate, or sublicense any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations (in whole or part) to an affiliate, successor, or purchaser of assets or business without notice, provided such successor assumes materially similar obligations.

We will not be liable for any delay or failure to perform resulting from events beyond our reasonable control, including but not limited to acts of God, natural disasters, fire, flood, epidemic, pandemic, war, civil unrest, terrorism, labor disputes, power failures, telecommunications outages, government action, or failure of third party services.

These Terms, together with any supplemental policies referenced herein (including the Privacy Policy and any product specific disclosures you may receive from third party partners), constitute the entire agreement between you and Raghav Capital relating to your access to and use of the Website and Services, and supersede all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between us with respect to the Website.

If you have questions about these Terms, please contact us at info@raghavcapital