Terms & Conditions

Last updated: 1 January 2026

These Terms & Conditions (“Terms”) govern your use of the Siya Ram Finance & Properties website and services. By accessing our website or submitting an enquiry, you agree to these Terms. If you do not agree, please do not use our website or services.

1. About Our Services

Siya Ram Finance & Properties acts as a loan and property consultancy. We help customers explore loan options across our network of banking partners and browse residential, commercial and plot listings. We are a facilitator between customers and lenders/property owners — final loan approval, interest rates and terms are always decided solely by the respective bank or lending institution, and property transactions are subject to independent verification and agreement between the buyer and seller.

2. Eligibility Tool & Indicative Information

Any eligibility calculator, indicative interest rate, EMI estimate or loan amount shown on our website is for general guidance only and does not constitute a loan offer or guarantee of approval. Actual eligibility, interest rate and loan amount are determined by the lender based on their own credit policy, documentation and verification.

3. Property Listings

Property listings on our website are provided for informational purposes. Prices, availability and specifications shown are indicative and subject to change without prior notice. We recommend verifying all details directly with our team, and completing independent legal and title verification, before entering into any property transaction.

4. Enquiries & Communication

By submitting an enquiry form on our website (for a loan, property, or eligibility check), you consent to being contacted by our team via phone call, SMS, WhatsApp or email regarding your enquiry. You confirm that the information you provide is accurate and belongs to you.

5. No Guarantee of Outcome

While we make every effort to match you with a suitable lender or property, we do not guarantee loan approval, a specific interest rate, disbursement timeline, or the successful completion of any property transaction. Outcomes depend on factors outside our control, including the lender’s policies and your documentation.

6. Fees

Any service fee, processing fee or brokerage applicable to a loan or property transaction will be communicated to you transparently before you proceed. We do not charge hidden fees.

7. Intellectual Property

All content on this website — including text, logos, graphics and images — is the property of Siya Ram Finance & Properties or used with permission, and may not be copied, reproduced or used without our prior written consent.

8. Limitation of Liability

Siya Ram Finance & Properties shall not be liable for any direct or indirect loss arising from your use of this website, reliance on indicative information shown here, or the actions/decisions of any third party (including banks, lenders or property sellers) that we introduce you to.

9. Governing Law

These Terms are governed by the laws of India, and any disputes arising from your use of our website or services shall be subject to the jurisdiction of the courts in Bhopal, Madhya Pradesh.

10. Changes to These Terms

We may revise these Terms from time to time. Continued use of our website after any changes constitutes your acceptance of the revised Terms.

11. Contact Us

For any questions about these Terms, please contact us at info@siyaraminfo.in or call +91 72240 14443.