Terms & Conditions

1. Agreement to Terms

These Terms and Conditions constitute a legally binding agreement between you (whether individually or representing an industrial enterprise, partnership, LLP, private limited company, or proprietary firm) and Bhura Consultancy ("we", "us", "our"), governing your access to and use of our website (bhuraconsultancy.com) as well as all consulting and advisory engagements executed with our firm.

By accessing our website, booking an advisory consultation, or executing an engagement mandate with our team, you confirm that you have read, understood, and agreed to be bound by these terms.

2. Scope of Advisory Services

Established in 2010 and led by three brothers, Bhura Consultancy offers professional financial consultancy across four core verticals:

3. Disclaimers: Loan Approvals & Government Sanctions

Bhura Consultancy operates with absolute transparency. Clients must take note of the following express terms:

• Sole Discretion of Lenders: All loan sanctions, credit limits, interest rates, collateral requirements, and disbursements remain under the sole, unfettered discretion of the financing banks, financial institutions, or NBFCs. Bhura Consultancy does not approve or disburse credit.
• Sole Discretion of Government Bodies: All capital subsidies, interest subsidies, and fiscal incentives are granted and disbursed at the sole discretion of the respective central or state government departments (such as MSME, DIC, or Ministry of Finance) based on budget availability and statutory scrutiny.
• No Guarantee of Sanction or Quantum: While Bhura Consultancy applies 15+ years of domain expertise and a 2,500+ client track record to optimize documentation, we make no representation, guarantee, or warranty regarding guaranteed loan approval or subsidy release.

4. Client Responsibilities & Documentation Integrity

To ensure compliant and expeditious financial advisory processing, the client agrees to:

• Provide genuine, accurate, authentic, and complete information, books of accounts, tax returns, machinery quotation invoices, and statutory licenses.
• Explicitly refrain from submitting fraudulent, forged, altered, or misleading documentation. Submission of falsified records is strictly prohibited under Indian law.
• Promptly provide supplementary records or clarifications requested by bank credit committees or government subsidy verification officers.
• Acknowledge that Bhura Consultancy shall bear zero liability for application rejections, delays, blacklisting, or penalties resulting from incorrect, fraudulent, or delayed data submitted by the client.

5. Professional Fees & Retainer Terms

Our advisory engagements are structured under agreed professional fee arrangements:

• Engagement Retainers: Upfront retainer fees and report preparation charges (such as DPR or CMA fees) compensate the research, modeling, and documentation labor invested by our team. These fees are non-refundable once work commences.
• Milestone & Processing Fees: Success-linked advisory or liaison fees become due upon achievement of the milestone specified in the signed service mandate.
• External Charges: Government portal statutory fees, stamp duties, franking charges, valuation surveyor fees, and chartered engineer certificate charges are directly payable by the client.

6. Intellectual Property & Deliverables

All proprietary DPR templates, financial models, subsidy evaluation algorithms, website text, graphics, and trademarks (including "Bhura Consultancy — The Financial Advisor") are the exclusive intellectual property of Bhura Consultancy.

Detailed Project Reports and CMA data prepared for a specific client are licensed solely for the client's stated loan/subsidy proposal with the designated financial institution, and may not be resold or repurposed for third parties without prior written consent.

7. Limitation of Liability

To the maximum extent permitted by applicable Indian law:

• Bhura Consultancy, its founding partners, directors, employees, and associates shall not be liable for any indirect, incidental, special, or consequential damages, including loss of business profit, loss of subsidy opportunity, or production downtime.
• Our aggregate liability for any direct claim arising out of or related to our advisory services shall not exceed the actual professional consulting fee received by us for that specific engagement mandate.

8. Force Majeure & Regulatory Amendments

Bhura Consultancy is not liable for performance delays or failures caused by events beyond reasonable control, including alterations in state or central industrial subsidy schemes, sudden gazette notifications, government budgetary freezes, portal downtime, or natural calamities.

9. Governing Law & Jurisdiction

These Terms & Conditions and any advisory contracts between Bhura Consultancy and its clients shall be governed by, interpreted, and construed in accordance with the substantive laws of India.

Any dispute, claim, or legal action arising out of or relating to our services or website shall be subject to the exclusive jurisdiction of the competent courts of Surat, Gujarat, India.

10. Contact & Clarifications

For questions, legal notices, or engagement inquiries regarding these terms, please contact: