Terms & Conditions

Last Updated: 5-12-2025

Welcome to the official website of EMKAY CONSULTANTS LIMITED. By accessing or using our website, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree, please refrain from using our website.

1. General Information

EMKAY CONSULTANTS LIMITED provides financial services including:

  • • Gold Loan
  • • Silver Loan
  • • Loan Against Mutual Funds
  • • Safe Locker Facility

All services are subject to individual eligibility, documentation, verification, and internal approval processes.

2. Eligibility

By using our website, you confirm that:

  • • You are at least 18 years old.
  • • You are legally capable of entering into a binding agreement.
  • • You will use the website for lawful purposes only.

3. No Guarantee of Loan Approval

Applying through the website does not guarantee approval of any loan.

Loan approval is based on the company's internal policies, risk assessment, KYC verification, creditworthiness, and compliance checks.

4. Accuracy of Information

You agree to provide accurate, complete, and updated information while using any form or service on the website.

EMKAY CONSULTANTS LIMITED is not responsible for any consequences arising from incorrect or incomplete information provided by you.

5. Interest Rates & Charges

Interest rates, processing fees, penalties, locker rent, and other service-related charges are subject to change without prior notice.

Users are advised to confirm the latest charges with the company before availing any service.

6. Security & Confidentiality

  • • We take reasonable measures to protect your data.
  • • However, transmission over the internet is not completely secure.

By using our website, you acknowledge that you share information at your own risk.

7. Safe Locker Facility

  • • Locker allotment is subject to availability.
  • • The company is not responsible for the contents kept inside the locker.
  • • Customers must follow all operational guidelines and pay locker rent on time.

8. Intellectual Property

All content on this website—including text, logos, images, designs, graphics, and software—is the property of EMKAY CONSULTANTS LIMITED.

Unauthorized use, copying, or distribution is strictly prohibited.

9. Restrictions on Use

You agree not to:

  • • Use the website for fraudulent, illegal, or harmful activities.
  • • Attempt to hack, disrupt, or interfere with website operations.
  • • Copy or extract website content without permission.

10. Third-Party Links

Our website may contain links to third-party sites.

We are not responsible for the content, privacy practices, or accuracy of information on external websites.

11. Limitation of Liability

EMKAY CONSULTANTS LIMITED will not be liable for:

  • • Any loss or damage arising from website use.
  • • Technical issues, downtime, or errors.
  • • Any decisions made based on website information.

All services are provided "as is" and are subject to change without notice.

12. Indemnification

You agree to indemnify and hold EMKAY CONSULTANTS LIMITED harmless from any claims, damages, or losses arising from improper use of the website or violation of these Terms.

13. Changes to Terms

The company reserves the right to modify or update these Terms & Conditions at any time.

Users are encouraged to review them periodically.

14. Governing Law

These Terms are governed by the laws of India.

Any dispute shall be subject to the jurisdiction of courts in Kolkata, West Bengal.

15. Contact Information

For any queries related to these Terms & Conditions or services offered, please contact:

EMKAY CONSULTANTS LIMITED

Kolkata Branch:
123 Park Street, Kolkata - 700016
West Bengal, India

Email: info@emkayconsultants.com
Mobile: +91 98765 43210

Thank you for choosing EMKAY CONSULTANTS LIMITED. Please read these terms carefully before using our services.