This Disclaimer governs all usage of the Abrus Krishna Finance website, digital platforms, service information, and communication channels. By accessing or using this website, customers and visitors acknowledge and agree to all clauses stated below.

Abrus Krishna Finance is a Kerala Money-Lending Act, 1958 (KML) registered lending institution—not an NBFC and not governed by the Reserve Bank of India (RBI) for lending activities. All loans are issued strictly in accordance with the provisions of the Kerala Money-Lenders Act and the rules framed thereunder.

1. Regulatory Status & Legal Classification

• Abrus Krishna Finance operates exclusively under the Kerala Money-Lenders Act, 1958, with valid registration and licence renewal as mandated.
• The company does not accept public deposits, does not operate as a bank, NBFC, or financial intermediary under RBI Act, and does not engage in financial activities prohibited for money-lenders.
• All lending products, charges, recovery practices, agreements, and operational processes follow the norms permitted under the KML Act only.
• Any comparison with NBFCs or banks is purely indicative and not meant to imply equivalence or regulatory similarity.

2. Website Content & Information Accuracy

• All product descriptions (Gold Loan, Micro Loans, Finance Services, etc.) are intended for general understanding and do not constitute financial advice.
• While we strive to keep all details accurate and updated, the company:
  • may revise product features, charges, interest rates, or policies without prior notice;
  • does not guarantee uninterrupted access to website or digital systems;
  • is not liable for errors, omissions, or outdated information at any point.
• Product suitability depends on individual assessment, and customers must rely on the legally executed KML loan agreement, not the website summary, for binding terms.

3. No Liability for External Links

• This website may contain links to external third-party websites, partner pages, or informational resources.
• Abrus Krishna Finance does not control, endorse, or guarantee the content, security, accuracy, or policies of any external website.
• Accessing external websites is strictly at the user’s own risk.
• Inclusion of links does not imply partnership, recommendation, or legal association unless explicitly mentioned.

4. No Guarantee of Loan Sanction

• Loan application submission through website, WhatsApp, phone, or partner shops does not guarantee approval.
• Loan sanction is determined solely after:
  • KYC verification;
  • income assessment;
  • creditworthiness evaluation;
  • gold valuation (for gold loans);
  • risk assessment as per KML norms.
• The company reserves the right to reject applications without disclosure of internal assessment parameters.

5. Limitation of Liability

Abrus Krishna Finance shall not be liable for:

• Losses arising from website downtime, data unavailability, or technical failures.
• Financial losses incurred from customers’ own decisions, interpretations, or expectations.
• Damages caused by inaccurate data entry or misuse of services by customers.
• Loss, misuse, or compromise of login/OTP credentials resulting from customer negligence.
• Any indirect, incidental, consequential, or special damages of any type.

Where liability cannot be excluded by law, it shall be limited to the maximum extent permissible under the Kerala Money-Lenders Act.

6. Security, Data Usage & Privacy

• All customer data submitted via website or branches is processed in accordance with our Privacy Policy.
• The company employs secure systems, but:
  • absolute data security on the internet cannot be guaranteed;
  • the company is not responsible for breaches caused by third-party service providers, internet vulnerabilities, or customer negligence.
• Customers must use secure networks and keep OTPs, documents, and personal credentials confidential at all times.

7. Intellectual Property Rights

• All logos, designs, text content, icons, graphics, and brand elements of Abrus Krishna Finance are the company’s exclusive property.
• Unauthorised copying, reproduction, modification, or commercial use is prohibited.
• Quoting, referencing, or reproducing any portion of content requires prior written consent from the management.

8. No Assurance of Investment Value or Asset Appreciation

• Gold valuation and loan-to-value assessments depend on market conditions.
• Website information must not be interpreted as:
  • financial planning guidance;
  • investment advice;
  • assurance of gold value appreciation.
• The company is not responsible for market fluctuations affecting gold value or customer decisions.

9. Service Availability & Operational Discretion

• Doorstep services, consumer goods financing, micro finance services, or partnerships with shops are subject to:
  • internal policy approvals
  • geographical limitations
  • legal and KML compliance parameters.
• The company may modify or discontinue services at any time without prior notice.

10. Jurisdiction & Legal Applicability

• All disputes, claims, and legal matters arising from lending or website usage fall under:
  • Kerala Money-Lenders Act, 1958, and
  • jurisdiction of courts located within Kerala.
• No consumer may claim rights arising from regulations governing NBFCs or banks, as they do not apply to KML-registered entities.

11. User Acceptance of Disclaimer

By accessing any service, submitting applications, or browsing this website, the user confirms that:

• they have read, understood, and agreed to the terms of this Disclaimer;
• they acknowledge the regulatory status of Abrus Krishna Finance as a Kerala Money-Lending institution;
• they accept all limitations, conditions, and legal boundaries mentioned herein.