Disclaimer & Legal Notice | Srikara Financial Services

⚠️ Important — Please Read Before Proceeding

Srikara Financial Services is an independent financial guidance and assistance platform only. We are not a bank, not a Non-Banking Financial Company (NBFC), not an insurance company, and not a registered insurance agent of any specific insurer. We do not lend money, we do not underwrite insurance policies, and we do not make any credit or risk decisions on behalf of any financial institution.

1. What We Are

✅ We Are — Financial Guidance & Facilitation Platform

Srikara Financial Services is an independent financial guidance platform that assists individuals and families in understanding and accessing loan and insurance products. We help you navigate the financial products market by providing information, guidance, and assistance in connecting with leading banks, housing finance companies, and insurance providers in India.

Our role is that of a facilitator and advisor — we help you identify suitable products, understand eligibility criteria, prepare documentation, and submit your application to the appropriate financial institution. We work across multiple leading banks and insurance companies simultaneously and represent your interests as a client, not the interests of any particular institution.

❌ We Are Not — What We Explicitly Are Not

We are NOT a bank or NBFC. We do not accept deposits, we do not lend money from our own funds, and we are not regulated as a lending institution by the Reserve Bank of India.

We are NOT a direct insurance company. We do not underwrite insurance risk, we do not issue insurance policies from our own balance sheet, and we are not an insurance company regulated by IRDAI.

We are NOT an exclusive agent of any specific bank or insurance company. We work with multiple leading institutions simultaneously and do not exclusively represent any single bank or insurer.

We do NOT guarantee loan approval, insurance issuance, or any specific financial outcome. All approvals and rejections are made solely by the respective financial institutions based on their own internal policies and criteria.

2. Limitation of Liability

⚠️ Financial Outcomes — No Liability

Srikara Financial Services, its founder, employees, representatives, and associates are not responsible or liable for any of the following outcomes:

• Loan application rejection by any financial institution
• Insurance policy rejection or non-issuance due to underwriting decisions
• Insurance claim rejection, partial claim, or delayed settlement by any insurer
• Loan default, EMI delays, or any resulting penalties or legal action by a lender
• Loss of premium paid if a policy is cancelled, lapsed, or not renewed
• Any financial loss arising from a financial product accessed through our guidance
• Investment-related losses in ULIPs or market-linked insurance products
• Errors or omissions in information provided by the client during application

All financial decisions and commitments are the sole responsibility of the customer. We strongly recommend reading all product brochures, key information documents, policy wordings, and loan sanction letters carefully before signing any agreement.

⚠️ Insurance Specific — Important Notice

Insurance is the subject matter of solicitation. All insurance products are offered by their respective registered insurance companies. Srikara Financial Services does not promise, guarantee, or warrant any specific insurance coverage, claim outcome, or policy benefit. Insurance coverage is subject to the terms and conditions of the policy issued by the insurer. We assist only in facilitating the application and connection with insurance providers — the contractual relationship for insurance is between the customer and the insurance company directly.

⚠️ Loans Specific — Important Notice

All loan products are offered by their respective banks and registered financial institutions. Srikara Financial Services does not promise, guarantee, or warrant any loan approval, specific interest rate, or loan amount. Interest rates, processing fees, tenures, and terms are determined solely by the lending institution based on the applicant's credit profile at the time of application. We assist only in the application facilitation process — the credit relationship is between the customer and the financial institution directly.

3. Accuracy of Information

ℹ️ Information Provided for General Guidance Only

All information, interest rates, premium estimates, eligibility criteria, and tax benefit details provided on this website and by our team are for general guidance and informational purposes only. They are not legally binding offers or commitments by any financial institution.

Interest rates and insurance premiums change frequently and are subject to the policies of the respective institutions at the time of application. Tax benefits mentioned are based on prevailing Income Tax Act provisions and are subject to change by the government without notice. NRI tax obligations vary significantly by country of residence — please consult a qualified chartered accountant or tax advisor for personalised guidance.

This website does not constitute financial advice, legal advice, or investment advice. The information here is general in nature and may not apply to your specific personal circumstances.

4. Your Data & Privacy

🔒 How We Use Your Information

Any personal information submitted through this website (name, mobile number, email address, location, documents) is used solely for the purpose of providing you with the financial guidance and application assistance you have requested.

We do not sell, rent, or share your personal information with any third party for marketing purposes. Your information is shared only with the specific financial institution(s) processing your loan or insurance application — and only with your knowledge and consent.

Documents uploaded through the website are used only for the specific application you have requested and are handled with strict confidentiality. We comply with applicable Indian data protection laws and guidelines.

5. Contact & Grievance

📞 Questions or Concerns

If you have any questions about this disclaimer, or if you believe any information on this website is inaccurate or misleading, please contact us directly:

Akula Naveenkumar — Founder, Srikara Financial Services
📧 info@srikarafinancialservices.com
💬 WhatsApp: +91 80967 12222
📍 Regus, SLN Terminus, 8th Floor, Gachibowli, Hyderabad – 500032

This disclaimer is governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Hyderabad, Telangana.

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Disclaimer &Legal Notice

1. What We Are

2. Limitation of Liability

3. Accuracy of Information

4. Your Data & Privacy

5. Contact & Grievance

Disclaimer &
Legal Notice