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This Disclaimer outlines the terms and conditions governing the use of the website and services provided by Everlight Holdings Pvt Ltd. By accessing our website, engaging with our services, or interacting with us in any manner, you acknowledge and agree to the terms set forth in this Disclaimer. We encourage you to read this document carefully to understand the limitations, exclusions, and legal boundaries of our services. This Disclaimer is intended to protect both you, the user, and Everlight Holdings Pvt Ltd, ensuring clarity and transparency in our operations.
Everlight Holdings Pvt Ltd is an RBI-registered Non-Banking Financial Company (NBFC) with ICC classification (Base Layer), headquartered at 6 Brabourne Road, 4th Floor, Kolkata, West Bengal 700001. Established in 1989, we have been a trusted financial partner for over 35 years, offering services such as business loans, credit lines, financial analysis, taxation planning, investment trading, and financial partnership solutions to both B2B and B2C clients. We do not accept public deposits and operate in strict compliance with the Reserve Bank of India (RBI) guidelines. Our Corporate Identification Number (CIN) is U65993WB1989PTC046526. You can reach us at everlightnbfc@gmail.com or via phone at +91 78388 01660, Monday to Saturday, 9:45 AM to 6:30 PM.
The purpose of this Disclaimer is to clarify the scope of information and services provided by Everlight Holdings Pvt Ltd through our website and business operations. It sets forth the limitations of liability, the nature of the content we provide, and the legal boundaries of our financial services. This Disclaimer applies to all users of our website, clients engaging with our services, and individuals who interact with us through email, phone, or in-person visits. It is designed to ensure that users understand the risks involved in financial decisions and the extent of our responsibility as an NBFC.
The information provided on our website, including but not limited to details about business loans, credit lines, taxation planning, investment trading, and financial analysis, is for general informational purposes only. It is not intended to constitute financial, legal, tax, or investment advice. While we strive to ensure that the information on our website is accurate and up to date, we do not guarantee its completeness, accuracy, or suitability for your specific circumstances. For example, a business loan interest rate mentioned on our site may change based on market conditions or your financial profile. You should not rely solely on this information to make financial decisions. Instead, we recommend consulting with a qualified financial advisor, accountant, or legal professional to assess your individual needs before proceeding with any financial product or service.
Everlight Holdings Pvt Ltd does not provide personalized financial advice through our website or general communications. The content we share, such as blog posts, service descriptions, or promotional materials, is intended to educate and inform you about our offerings. For instance, a blog post about the benefits of a credit line is meant to provide general knowledge, not a recommendation for your specific business. We do not take into account your personal financial situation, objectives, or risk tolerance when providing this information. If you require advice tailored to your circumstances, you should seek guidance from a licensed financial advisor or professional. Any financial decisions you make based on our website content are at your own risk, and Everlight Holdings Pvt Ltd shall not be held liable for any outcomes resulting from such decisions.
To the fullest extent permitted by law, Everlight Holdings Pvt Ltd, its directors, employees, affiliates, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website, services, or reliance on the information provided. This includes, but is not limited to, damages for loss of profits, business opportunities, data, or any other financial loss. For example, if you apply for a business loan based on information from our website and your application is denied, we are not responsible for any financial impact this may have on your business. Similarly, if there are errors, omissions, or outdated information on our website, we shall not be held accountable for any decisions you make based on such content. While we take reasonable steps to ensure the accuracy of our information, we do not warrant that our website or services will be error-free, uninterrupted, or free from viruses or other harmful components.
Everlight Holdings Pvt Ltd does not guarantee specific outcomes from using our services, such as business loans, credit lines, or financial analysis. The approval, terms, and conditions of our financial products are subject to your eligibility, financial profile, and compliance with our internal policies and RBI regulations. For instance, applying for a business loan does not guarantee approval, as it depends on factors like your credit history, business turnover, and repayment capacity. Additionally, the performance of investment trading or taxation planning services is subject to market risks and external factors beyond our control. We do not promise or guarantee that our services will result in specific financial gains, savings, or outcomes. You acknowledge that all financial decisions involve risks, and you assume full responsibility for those risks when engaging with our services.
Our website may contain links to third-party websites, such as regulatory bodies, financial tools, or partner services, for your convenience. Everlight Holdings Pvt Ltd does not endorse, control, or take responsibility for the content, accuracy, or privacy practices of these third-party sites. For example, if we link to the RBI website for regulatory information, we are not responsible for any changes to their content or policies. Accessing third-party websites is at your own risk, and we recommend reviewing their terms and privacy policies before use. Similarly, we may collaborate with third-party service providers, such as credit bureaus or payment processors, to facilitate our services. We are not liable for any actions, errors, or omissions by these third parties, including any impact on your data or financial transactions.
As an RBI-registered NBFC (ICC classification, Base Layer), Everlight Holdings Pvt Ltd operates in strict compliance with all applicable laws and regulations in India, including the Reserve Bank of India Act, 1934, and the Non-Banking Financial Company – Investment and Credit Company (NBFC-ICC) guidelines. We do not accept public deposits, as we do not hold a Certificate of Registration (CoR) for accepting public deposits. All our financial services, including business loans, credit lines, and investment trading, are provided in accordance with RBI regulations and other relevant laws, such as the Information Technology Act, 2000, for data protection. However, the information on our website is not a substitute for official regulatory guidance. If you have questions about NBFC regulations or compliance, we encourage you to consult the RBI website or seek legal advice. Everlight Holdings Pvt Ltd shall not be liable for any misinterpretation of regulatory information provided on our website.
All content on our website, including text, images, logos, trademarks, and design elements, is the intellectual property of Everlight Holdings Pvt Ltd or its licensors. This content is protected by Indian copyright laws and other intellectual property regulations. You may not reproduce, distribute, modify, or use our content for commercial purposes without our prior written consent. For example, you may not copy our logo or blog content to use on your own website without permission. Unauthorized use of our intellectual property may result in legal action. However, you are welcome to share links to our website or content for non-commercial purposes, provided you give appropriate credit to Everlight Holdings Pvt Ltd.
While we strive to ensure that our website is available 24/7, Everlight Holdings Pvt Ltd does not guarantee uninterrupted access. Our website may be temporarily unavailable due to maintenance, technical issues, or events beyond our control, such as server outages or cyberattacks. We are not liable for any damages or losses resulting from your inability to access our website or services during such periods. For example, if you cannot submit a loan application due to scheduled maintenance, we are not responsible for any delays this may cause to your business plans. We recommend contacting us directly at +91 78388 01660 or everlightnbfc@gmail.com if you encounter issues accessing our services.
We make every effort to ensure that the information on our website is accurate and up to date. However, financial markets, regulations, and our services may change over time. We do not guarantee that all information on our website will always reflect the most current conditions. For instance, interest rates for business loans mentioned on our site may change due to market fluctuations or RBI policy updates. It is your responsibility to verify the accuracy of information before making decisions. Everlight Holdings Pvt Ltd shall not be liable for any losses or damages arising from reliance on outdated or inaccurate information. If you need the most current details, please contact us directly during our business hours, Monday to Saturday, 9:45 AM to 6:30 PM.
All financial products and services offered by Everlight Holdings Pvt Ltd, including business loans, credit lines, and investment trading, involve inherent risks. These risks may include market volatility, interest rate fluctuations, credit risk, and economic uncertainties. For example, investments made through our investment trading services may result in financial losses due to market downturns. Similarly, failure to repay a business loan on time may impact your credit score and lead to additional fees or legal action. We encourage you to carefully assess these risks before engaging with our services. Everlight Holdings Pvt Ltd is not responsible for any financial losses or adverse outcomes resulting from your use of our services. We recommend consulting with a financial advisor to evaluate the risks associated with any financial product.
This Disclaimer and your use of our website and services are governed by the laws of India. Any disputes arising from your interaction with Everlight Holdings Pvt Ltd shall be subject to the exclusive jurisdiction of the courts in Kolkata, West Bengal. By using our website or services, you agree to submit to the jurisdiction of these courts for the resolution of any legal disputes. For example, if a disagreement arises regarding the terms of a business loan, it will be resolved through the courts in Kolkata, in accordance with Indian laws. We encourage you to seek legal advice if you have questions about your rights or obligations under this Disclaimer.
Everlight Holdings Pvt Ltd reserves the right to update or modify this Disclaimer at any time to reflect changes in our services, legal requirements, or business practices. We encourage you to review this Disclaimer periodically to stay informed about our terms. Your continued use of our website or services after any changes constitutes your acceptance of the updated Disclaimer. For example, if we update our liability terms, your continued engagement with our services will indicate your agreement to those changes.
If you have any questions, concerns, or need clarification about this Disclaimer, please feel free to reach out to us:
We are committed to addressing your inquiries and ensuring transparency in our operations.