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Welcome to Everlight Holdings Pvt Ltd. These Terms & Conditions govern your use of our website, services, and interactions with us, whether through our website, in-person visits, email, or phone. By accessing our website, engaging with our services, or interacting with us in any manner, you agree to be bound by these Terms & Conditions. We strongly recommend that you read this document carefully to understand your rights, obligations, and the legal framework governing our relationship. If you do not agree with any part of these Terms & Conditions, you should refrain from using our website or services.
Everlight Holdings Pvt Ltd is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI) under the ICC classification (Base Layer). 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. Our registered office is located at 6 Brabourne Road, 4th Floor, Kolkata, West Bengal 700001. We hold the Corporate Identification Number (CIN) U65993WB1989PTC046526, reflecting our legal status as a private limited company incorporated in India. We do not accept public deposits, as we do not hold a Certificate of Registration (CoR) for accepting public deposits, and we operate in strict compliance with RBI guidelines. You can reach us at everlightnbfc@gmail.com or +91 78388 01660, Monday to Saturday, 9:45 AM to 6:30 PM.
These Terms & Conditions outline the rules, responsibilities, and legal boundaries for using our website and services. They are designed to protect both you, the user, and Everlight Holdings Pvt Ltd by ensuring clarity and transparency in our interactions. This document applies to all users of our website, clients availing our financial services (such as business loans, credit lines, or investment trading), and individuals who interact with us through email, phone, or in-person visits to our Kolkata office. These terms also ensure that we comply with applicable laws, including RBI regulations, and meet the requirements for running Google Ads on our website. By agreeing to these Terms & Conditions, you confirm that you understand the scope of our services, the risks involved, and the legal framework governing our operations.
To ensure clarity, the following terms used in this document have the meanings outlined below:
By accessing our website, submitting an application for a service (such as a business loan or credit line), or interacting with us through email, phone, or in person, you agree to be legally bound by these Terms & Conditions. This agreement forms a binding contract between you and Everlight Holdings Pvt Ltd. If you do not agree to these terms, you must immediately stop using our website and refrain from engaging with our services. For example, if you apply for a business loan through our website, you are agreeing to these terms as part of the application process. We may update these Terms & Conditions from time to time, and your continued use of our website or services after such updates constitutes your acceptance of the revised terms.
To use our website and services, you must meet the following eligibility criteria:
If you do not meet these criteria, you are not eligible to use our services. For example, if you are under 21 years of age, you cannot apply for a business loan with us. We reserve the right to refuse service to any individual or entity at our discretion, in compliance with applicable laws.
Everlight Holdings Pvt Ltd offers the following financial services to eligible clients:
These services are provided on an “as-is” basis, meaning we do not guarantee specific outcomes or results. For example, applying for a business loan does not guarantee approval, as it depends on your eligibility, financial profile, and compliance with our internal policies. All services are subject to the risks outlined in this document, and you are responsible for assessing those risks before proceeding.
To avail our services, such as a business loan or credit line, you must follow our application process:
We reserve the right to reject any application at our discretion, based on factors such as creditworthiness, incomplete documentation, or non-compliance with eligibility criteria. For example, if your business turnover does not meet our minimum requirement, we may decline your loan application.
Our services may involve fees and charges, which will be clearly communicated to you before you agree to the service. These may include:
All fees and charges will be outlined in the agreement you sign before availing the service. We do not charge hidden fees, and we ensure transparency in our pricing. For example, if you apply for a business loan of ₹5 lakh, the processing fee and interest rate will be clearly stated in your loan agreement. You are responsible for paying all applicable fees and charges as per the agreed terms.
If you avail a loan or credit line from Everlight Holdings Pvt Ltd, you are obligated to repay the borrowed amount as per the terms outlined in your agreement. This includes:
For example, if you borrow ₹3 lakh through a business loan with a 12-month repayment term, you must pay the monthly installments on time to avoid penalties. We encourage you to contact us immediately if you face difficulties in making payments, as we may be able to offer solutions, such as restructuring your repayment plan, subject to our discretion.
All financial products offered by Everlight Holdings Pvt Ltd, including business loans, credit lines, and investment trading, involve inherent risks that you should understand:
We do not guarantee specific outcomes or results from using our services. For example, engaging in investment trading does not guarantee profits, as market conditions can lead to losses. You are responsible for assessing these risks and consulting with a financial advisor if needed before proceeding with our services.
All content on our website, including text, images, logos, trademarks, designs, and other materials, is the intellectual property of Everlight Holdings Pvt Ltd or its licensors. This content is protected by Indian copyright laws, trademark 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. However, you are permitted to share links to our website or content for non-commercial purposes, provided you give appropriate credit to Everlight Holdings Pvt Ltd. Unauthorized use of our intellectual property may result in legal action to protect our rights.
You agree to use our website in a lawful and responsible manner, in compliance with these Terms & Conditions and applicable laws. The following activities are strictly prohibited:
For example, attempting to scrape loan interest rates from our website without permission is prohibited and may result in legal consequences. We reserve the right to suspend or terminate your access to our website if you violate these usage rules.
Our website may contain links to third-party websites, such as the RBI website, financial tools, or partner services, for your convenience. Everlight Holdings Pvt Ltd does not endorse, control, or take responsibility for the content, accuracy, or practices of these third-party sites. For example, if we link to a credit bureau’s website, we are not responsible for any changes to their services or policies. Accessing third-party websites is at your own risk, and we recommend reviewing their terms and privacy policies before use. Additionally, 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.
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 damages for loss of profits, business opportunities, data, or any other financial loss. For example, if you apply for a credit line and your application is delayed due to technical issues, 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, such as an incorrect loan eligibility criterion, we shall not be held accountable for any decisions you make based on such content. We do not warrant that our website or services will be error-free, uninterrupted, or free from viruses or other harmful components. You agree to use our website and services at your own risk.
You agree to indemnify, defend, and hold harmless Everlight Holdings Pvt Ltd, its directors, employees, affiliates, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of our website, services, or violation of these Terms & Conditions. For example, if you provide false information in a loan application and we incur legal costs as a result, you will be responsible for reimbursing us for those costs. This indemnification obligation survives the termination of your relationship with us.
We are committed to maintaining the confidentiality of your personal and financial information, as outlined in our Privacy Policy. However, you also have a responsibility to keep your account details, passwords, and other sensitive information confidential. For example, if you share your loan application login credentials with a third party and they misuse the information, we are not responsible for any resulting damages. You agree not to disclose any confidential information provided by us, such as loan terms or financial analysis reports, to third parties without our prior written consent, except as required by law.
Everlight Holdings Pvt Ltd reserves the right to suspend or terminate your access to our website or services at our discretion, with or without notice, under the following circumstances:
Upon termination, you must immediately cease using our website and services, and you remain liable for any outstanding obligations, such as unpaid loan amounts. For example, if your access to our credit line is terminated due to non-payment, you must still repay the outstanding balance as per the agreed terms.
Everlight Holdings Pvt Ltd shall not be liable for any failure or delay in performing our obligations under these Terms & Conditions due to events beyond our reasonable control, including but not limited to natural disasters, pandemics, wars, strikes, government actions, or technical failures. For example, if a nationwide lockdown prevents us from disbursing a loan on time, we are not responsible for the delay. We will make reasonable efforts to resume normal operations as soon as possible and will notify you of any significant disruptions.
These Terms & Conditions 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 repayment 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 these terms.
In the event of a dispute arising from these Terms & Conditions or your use of our services, we encourage you to first contact us to resolve the issue amicably. You can reach us at everlightnbfc@gmail.com or +91 78388 01660 during our business hours. If the dispute cannot be resolved through mutual discussion, it may be escalated to mediation or arbitration, as per the Arbitration and Conciliation Act, 1996, if both parties agree. If mediation or arbitration is not feasible, the dispute will be resolved through the courts in Kolkata, as outlined in the Governing Law and Jurisdiction section. For example, if you dispute a late payment fee on your loan, we will work with you to resolve the issue before escalating to legal proceedings.
Everlight Holdings Pvt Ltd reserves the right to update or modify these Terms & Conditions at any time to reflect changes in our services, legal requirements, or business practices. We encourage you to review these Terms & Conditions periodically to stay informed about our policies. Your continued use of our website or services after any changes constitutes your acceptance of the updated terms. For example, if we update our repayment policies, your continued use of a credit line will indicate your agreement to the new terms.
By using our website or services, you agree to receive communications from us electronically, such as via email or notices posted on our website. These communications may include updates about your application, loan disbursal, repayment schedules, or changes to our policies. For example, we may email you to confirm the approval of your business loan application. You agree that electronic communications fulfill any legal requirement for written communication. If you do not wish to receive electronic communications, you may opt out by contacting us, but this may limit your ability to use certain services.
If any provision of these Terms & Conditions is found to be invalid, illegal, or unenforceable under Indian law, that provision shall be severed, and the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law. For example, if a court determines that a specific limitation of liability clause is unenforceable, the rest of these terms will still apply, and we will work to replace the invalid provision with a valid one that reflects our original intent.
Our failure to enforce any provision of these Terms & Conditions at any time does not constitute a waiver of that provision or any other provision. For example, if we do not immediately charge a late payment fee for a delayed loan installment, this does not mean we waive our right to charge such fees in the future. Any waiver of our rights must be explicitly stated in writing and signed by an authorized representative of Everlight Holdings Pvt Ltd.
These Terms & Conditions, along with our Privacy Policy, Disclaimer, and Disclosure, constitute the entire agreement between you and Everlight Holdings Pvt Ltd regarding your use of our website and services. They supersede any prior agreements, understandings, or communications, whether written or oral, relating to the same subject matter. For example, if you had a verbal discussion with our staff about loan terms, the written agreement you sign will take precedence over that discussion. Any additional terms specific to a service, such as a loan agreement, will be provided to you separately and will form part of our overall agreement.
If you have any questions, concerns, or need clarification about these Terms & Conditions, please feel free to reach out to us:
We are committed to addressing your inquiries and ensuring transparency in our operations as your trusted financial partner.