Disclosure
Last Updated: April 2026
At Pranamya Financial Services, transparency and trust are at the core of everything we do. We believe that every individual should have clear, honest, and accurate information before making any financial decision. This Disclosure Statement explains the nature of our services, our role in financial facilitation, associated risks, and the responsibilities of users engaging with pranamya.in.
1. Our Role and Services
Pranamya Financial Services provides financial consultation, guidance, and assistance in accessing various financial products, including loans, insurance, and investment-related solutions.
We act as a facilitator between clients and financial institutions. Our role is to simplify the process, provide relevant options, and assist in documentation and application procedures. However, we do not act as a lender, insurer, or direct financial product provider.
All financial products are offered by third-party institutions such as banks, NBFCs, and insurance companies.
2. No Guarantee of Approval
While we strive to match clients with suitable financial solutions, Pranamya Financial Services does not guarantee:
Approval of any loan or financial product
Specific interest rates, returns, or financial outcomes
Processing timelines or disbursement schedules
All approvals, terms, and conditions are solely determined by the respective financial institution based on their internal policies, eligibility criteria, and verification processes.
3. Third-Party Associations
We collaborate with multiple financial institutions, including banks, NBFCs, and insurance providers, to offer a wide range of options.
Pranamya Financial Services does not control or influence the final decision-making process of these institutions. Any agreement entered into is strictly between the client and the respective financial provider.
We encourage all users to carefully review the terms and conditions provided by third-party institutions before proceeding.
4. Financial Risk Disclosure
All financial products carry inherent risks. These may include, but are not limited to:
Changes in interest rates
Market fluctuations affecting investment performance
Repayment obligations and penalties in case of default
Policy exclusions and limitations in insurance products
Users are advised to evaluate their financial situation, obligations, and risk tolerance before making any commitment.
5. Accuracy of Information
We aim to provide accurate and up-to-date information on our website and during consultations. However:
Information related to third-party products may change without prior notice
We do not guarantee the completeness or accuracy of external data
Users should independently verify all financial details before taking action
Pranamya Financial Services is not responsible for any discrepancies in third-party information.
6. User Responsibility
By using pranamya.in and our services, users agree that:
All information provided by them is true, complete, and accurate
They understand the terms and obligations of the financial products they choose
They are solely responsible for their financial decisions and outcomes
We strongly recommend seeking independent financial advice where necessary.
7. Fees and Charges
Pranamya Financial Services may charge service fees for consultation, processing, or facilitation. These charges, if applicable, will always be communicated clearly before proceeding.
Additional charges, including processing fees, interest rates, penalties, or other costs, may be applied by third-party financial institutions and are governed by their policies.
8. Limitation of Liability
Pranamya Financial Services shall not be held liable for:
Rejection of applications by financial institutions
Delays in processing, approval, or disbursement
Any financial loss, direct or indirect, arising from user decisions
Changes in terms, policies, or offers by third-party providers
All decisions made based on our guidance are at the sole discretion of the user.
9. Data Usage and Sharing
We collect and use personal information strictly for service-related purposes, such as processing applications and providing financial assistance.
User data may be shared with partner institutions only when necessary to facilitate financial services, in compliance with applicable data protection laws.
We take reasonable measures to protect user data, but users are also advised to exercise caution when sharing sensitive information online.
10. Updates to This Disclosure
This Disclosure Statement may be updated periodically to reflect changes in regulations, services, or business practices.
We encourage users to review this page regularly to stay informed about how we operate and any updates that may affect them.
11. Contact Us
If you have any questions regarding this Disclosure Statement or require clarification on any aspect of our services, please contact us:
Pranamya Financial Services
Regus Building, 310, K10 Corporate, Plot No. 10
Nagpur, Maharashtra 440015
Email: hrushikesh@pranamya.in
Phone: +91 9370007770
Website: https://pranamya.in
This Disclosure Statement was last reviewed and updated in April 2026. We review this page periodically to ensure it reflects our current practices and regulatory requirements.