Terms & Conditions

1. Introduction

These Terms & Conditions (“Terms”) apply to your use of the website lotusfs.com and all services provided by Lotus Financial Services (“we”, “our”, “us”). By accessing our website, you agree to comply with these Terms.

2. Eligibility

You must meet the following criteria:

• Be at least 18 years of age
• Have legal competence to enter binding agreements

3. Use of Our Website & Services

You agree not to engage in the following activities:

• Submitting false or misleading information
• Attempting to hack, damage, or disrupt our website
• Participating in unauthorized scraping or data mining
• Using the website for illegal activities

4. Investment & Advisory Disclaimer

Lotus Financial Services provides financial guidance and research, but investment decisions are solely your responsibility.

• We do not guarantee returns
• Past performance does not guarantee future results
• All investments involve risk

5. Loan Services Terms

Our loan services are advisory and facilitation-based:

• Loan approvals are based on bank/NBFC criteria
• We do not influence lender decisions
• Interest rates and eligibility vary by lender

6. Insurance Services

We help clients with selecting insurance products. Claim approvals, underwriting, and policy terms are controlled by the insurer, not Lotus Financial Services.

7. Tax Filing & GST Services

By using our tax services, you acknowledge that:

• You are responsible for the accuracy of data submitted
• We are not liable for penalties caused by incorrect user data
• Government processing timelines may vary

8. Accuracy of Information

While we try to provide accurate and updated information, LotusFS does not guarantee the completeness or accuracy of all content on the website.

9. Limitation of Liability

Lotus Financial Services will not be responsible for:

• Investment losses
• Loan rejections or delays
• Errors resulting from incorrect user information
• Downtime, errors, or interruptions on the website

10. Modifications to Terms

We may revise these Terms at any time. Continued use of the website after changes means you accept the updated Terms.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be handled exclusively in courts located in Noida, Uttar Pradesh.

12. Contact Information

If you have any questions, please contact:

Lotus Financial Services
Email: support@lotusfs.com
Phone: +91 72106 26364
Offices: Noida & Faridabad