Please read this document carefully. It explains how we operate and what you can expect when using our website and services.
About our services
Dharya Smart Consultancy Private Limited operates Dharya Finance as a financial services and distribution platform. We assist customers and finance partners with enquiries, document collection, application organisation and submission to banks, NBFCs, fintech companies and other financial institutions. We are not a lender or an NBFC.
Eligibility and lender decisions
Loan approval, rejection, sanctioned amount, interest rate, tenure, charges and documentation are decided solely by the relevant lender under its current policies and verification process. Information shown about a lender is indicative and may change. Using our service does not guarantee approval or any particular terms.
Accurate information and authority
You agree to provide complete, current and accurate information. A finance partner submitting a borrower’s information confirms that the borrower has authorised the submission and related communication. You must not upload false, altered, unlawful or unauthorised information or documents.
Applications and external lender links
Selecting “Apply Now” may save the selected lender and open the application address configured for that lender. The external website is operated by the lender or another third party. Dharya Finance does not control its availability, content, security or separate terms, and you should review those terms before continuing.
Fees and communications
Any lender fee, processing charge, tax or other cost should be disclosed by the relevant institution or authorised representative. By submitting an enquiry or application, you permit service-related contact by phone, email or other provided channel. Never make a payment to an unverified account or person claiming guaranteed approval.
Partner responsibilities
Partners must protect portal access, keep borrower information confidential, use documents only for authorised business purposes, follow applicable law and avoid misleading promises. A partner may access only its own permitted applications and records. Misuse may result in access being restricted or withdrawn.
Acceptable use and intellectual property
You may not attempt unauthorised access, interfere with the platform, introduce harmful code, copy protected content for commercial misuse or impersonate another person. Dharya Finance branding, website content and platform materials remain the property of their respective owners unless stated otherwise.
Limitation and changes
To the extent permitted by law, Dharya Finance is not responsible for a lender’s independent decision, a third-party website, or loss caused by inaccurate information supplied by a user. We may update these terms or the service when needed. The latest version and effective date will be published on this page.
Governing law
These terms are governed by the laws of India. Any dispute will be subject to the applicable courts in Agra, Uttar Pradesh, unless mandatory law requires otherwise.
Questions