Terms & Conditions

Selvam Associates provides professional consultancy, compliance, and facilitation services including:

• Auditing — Statutory, internal, and compliance audits for businesses and firms.
• Accounting & Bookkeeping — Complete computerized financial records, ledgers, and reporting.
• GST Services — Registrations, monthly/quarterly filings, annual returns, and audit reconciliation.
• Income Tax Consultancy — Individual & corporate ITR preparation, advance tax calculations, and appeals.
• TDS Compliance — Tax deducted at source computations, quarterly e-TDS returns, and Form 16/16A generation.
• Business Registration & Compliance — MSME, Partnership, Company, and Trade registrations.
• Insurance Advisory and Facilitation — Comprehensive General and Life insurance solutions through authorized insurers.
• Loan Consultancy and Loan Facilitation (DSA) — Debt syndication, project report preparation, and institutional bank loan facilitation.

• Any information available on this website does not create a professional-client relationship between you and Selvam Associates.
• Formal professional advice and binding consultancy will be provided only after reviewing your specific financial requirements, examining your supporting documentation, and formal acceptance of the professional engagement.

Selvam Associates acts solely as a loan facilitator and Direct Selling Agent (DSA) for eligible banks and Non-Banking Financial Companies (NBFCs) wherever applicable:

• Sole Underwriting Discretion: Loan approval is solely and strictly at the discretion of the respective lending bank or financial institution.
• No Approvals Guarantee: We do not guarantee loan approval, final approved loan amount, sanction rate, interest rate, or processing timeline.
• Institutional Decisions: All credit evaluations, risk appraisals, and final lending decisions are independently made by the concerned financial institution under their respective credit policies.

Insurance products and quotations are offered through authorized insurance partner companies:

• Underwriting Guidelines: Policy issuance and coverage terms are subject to the respective insurance company’s underwriting guidelines and risk acceptance criteria.
• Policy Terms Govern: Premiums, benefits, inclusions, exclusions, endorsements, and claim settlements are strictly governed by the insurer’s official policy contract.
• Claims Disclaimer: Selvam Associates does not guarantee claim approval or settlement values, as claim adjudication rests solely with the insurer.

As a user of this website and our digital client portals, you agree to:

• Provide true, accurate, current, and complete information in all application forms and document submissions.
• Use the website and portals exclusively for lawful, legitimate financial and compliance purposes.
• Not attempt unauthorized access to our systems, databases, server infrastructure, or other user accounts.
• Not upload, transmit, or distribute malicious software, viruses, corrupted files, or harmful content.

• All website content, including text, graphics, logos, brand elements, calculators, documents, templates, and digital designs, belongs to Selvam Associates unless otherwise stated.
• No content from this website may be copied, reproduced, distributed, republished, or downloaded without prior written permission from Selvam Associates.

While reasonable efforts are made to ensure accuracy and timely updates, Selvam Associates shall not be held liable for any direct, indirect, incidental, special, or consequential loss or damage arising from:

• Use of, or inability to use, this website or associated client portals.
• Reliance on any information, calculators, or estimates published on the website.
• Service interruptions, network outages, server maintenance, or transmission delays.
• Third-party websites, financial institutions, or external platforms linked from this website.

• This website may contain links to external third-party websites for regulatory reference or loan/insurance coordination.
• We have no control over and are not responsible for the content, privacy policies, terms, or services of any third-party websites.

• We reserve the right to modify, amend, or update these Terms & Conditions at any time without prior individual notice.
• Your continued use of the website following any changes constitutes full acceptance of the revised Terms & Conditions.

• These Terms & Conditions shall be governed by and construed in accordance with the laws of the Republic of India.
• Any disputes arising out of or in connection with the use of this website or our professional services shall be subject to the exclusive jurisdiction of the competent courts where Selvam Associates carries on business (Coimbatore, Tamil Nadu, India).