About these terms
These terms apply when you use meritloan.in or take any service from Merit, a brand of AT Consultancy and Fintech Management Services Pvt Ltd ("AFMSYS", "we", "us"), Vaduj, Dist. Satara, Maharashtra. By using the website or asking us to start work, you agree to them.
What we do, and what we don't
- We give guidance on loans and government schemes, prepare and submit applications, and provide tax, registration, accounting-support and property-document services, directly or through partner professionals.
- We are not a bank, NBFC, lender, government office or sanctioning authority. We do not lend money and cannot promise that any loan, subsidy, registration or refund will be approved.
- Approval, loan amount, interest rate, fees, margin and subsidy amount are decided only by the bank, NBFC or government department, under their own rules.
- Rates, schemes and figures on this website are for general information. They were checked on the dates shown and may change without notice. Calculator results are estimates, not offers.
- Nothing on this website is investment, legal or tax advice for your particular situation until we have reviewed your details and confirmed in writing.
Fees
- Loan guidance: we do not charge any advance fee to help you get a loan. Any payment we receive from a lender for a sourced loan is disclosed to you on request.
- Other services (ITR, GST, Udyam, Shop Act, project reports, property reports and similar) are charged as shown on our price list or as agreed in writing before work starts. Prices exclude GST unless stated.
- Government, registration, stamp-duty and third-party fees are extra and are paid as actuals.
- For subsidy applications, any success fee is payable only after the subsidy is sanctioned, as agreed in writing.
- Pay only to the company's bank account or at the office, and always ask for a receipt. Never pay anyone personally in Merit's name.
Your responsibilities
- Give true, complete and current information and genuine documents. Wrong or hidden information can lead to rejection or legal action, and we are not responsible for that.
- Check every form and return before you sign or approve it.
- Keep your OTPs, passwords, PINs and net-banking logins private. We will never ask for them.
- Do not spend money on a project, machinery or property on the expectation of a subsidy or loan until you have the written sanction.
Refunds and cancellation
- You can cancel a service before we start work for a full refund of our service fee.
- Once work has started, we refund only the part of the fee for work not yet done.
- Government and third-party fees already paid cannot be refunded by us.
- A rejection by a bank or government office is not by itself a ground for refund of completed work, unless the rejection was caused by our mistake.
Limits of our responsibility
We do our work with reasonable care and skill. We are not responsible for decisions, delays or errors of banks, government portals or offices, for losses caused by incorrect information you gave us, or for indirect losses. If we make a mistake in our own work, our responsibility is limited to redoing that work or refunding the fee paid for it.
Privacy
How we handle your personal information is explained in our Privacy Policy.
Website content
The Merit name, logo, text and design of this website belong to AFMSYS. You may share links to the website but may not copy its content for commercial use without our permission.
Complaints and disputes
Please contact us first: WhatsApp 9006700601 or call 9665674813. We aim to resolve complaints within 7 days. These terms are governed by the laws of India, and courts at Satara, Maharashtra have jurisdiction.
Changes
We may update these terms. The date at the top shows the latest version. Work already agreed in writing follows the terms that applied at that time.