Effective Date: 17/10/2026
1. Introduction
Welcome to the website of Vivardhana Microfinance Limited (“Vivardhana”, “we”, “our” or “us”).
These Terms & Conditions govern your access to and use of our website. By accessing or using this website, you agree to these terms. If you do not agree, please discontinue use of the website.
These terms apply to website use and do not replace any separate loan agreement, sanction letter, or other document that may apply to a customer.
2. About Our Services
Vivardhana Microfinance Limited provides microfinance services intended to support underserved communities and financial inclusion.
Information about our company and services is provided for general informational purposes. The availability of any loan or financial product is subject to the company’s applicable policies, eligibility criteria, assessment procedures, and approval.
Submitting an enquiry through this website does not constitute a loan application approval, an offer of credit, or a guarantee that a loan will be granted.
3. Website Information
We make reasonable efforts to keep the information on this website accurate and up to date. However, we do not guarantee that all information is complete, current, or free from errors.
Service details, eligibility requirements, procedures, contact information, and other website content may be updated from time to time.
Please contact the company directly to verify important information before making a financial decision.
4. User Responsibilities
When using this website, you agree to:
- Provide accurate and truthful information in any enquiry or form you submit.
- Use the website only for lawful purposes.
- Avoid submitting false, misleading, fraudulent, or unauthorised information.
- Avoid attempting to disrupt, damage, or gain unauthorised access to the website or its systems.
- Respect the intellectual property rights of the company and other parties.
- Avoid using the website in any way that may compromise its security or availability.
5. Enquiries and Loan Requests
Information submitted through website forms or contact channels may be used to respond to your enquiry and, where applicable, to explain the company’s services or next steps.
An enquiry does not guarantee loan eligibility, approval, disbursement, or any particular loan amount or repayment arrangement.
Any loan, if approved, will be governed by the applicable sanction letter, loan agreement, terms of repayment, and other relevant documents provided by the company.
Customers should carefully review all applicable loan terms and charges before accepting a loan.
6. Interest Rates, Fees and Charges
Applicable interest rates, processing fees, taxes, insurance charges, repayment terms, and other charges, where relevant, will be communicated through the company’s approved disclosures and applicable loan documents.
Customers should review the terms applicable to their specific loan before accepting it.
For clarification regarding rates or charges, please contact Vivardhana Microfinance Limited through its official contact channels.
7. Intellectual Property
Unless otherwise stated, the content on this website, including text, logos, graphics, photographs, design elements, and other materials, belongs to Vivardhana Microfinance Limited or is used with appropriate permission.
You may access and view website content for personal and informational purposes. You must not reproduce, modify, distribute, publish, or commercially exploit website content without prior permission, except where permitted by applicable law.
8. Third-Party Links
This website may contain links to third-party websites or external resources for convenience or informational purposes.
Vivardhana Microfinance Limited does not control all third-party websites and is not responsible for their content, availability, security, or privacy practices.
Accessing third-party websites is at your own discretion. You should review the relevant third-party terms and privacy policies.
9. Website Availability and Security
We aim to maintain website availability and security but cannot guarantee uninterrupted or error-free access.
Access may occasionally be restricted or interrupted due to maintenance, technical problems, security measures, or circumstances beyond our reasonable control.
You must not attempt to introduce malicious code, interfere with website operations, or access restricted systems without authorisation.
10. Limitation of Liability
To the extent permitted by applicable law, Vivardhana Microfinance Limited shall not be liable for losses arising solely from reliance on general website information that is incomplete, outdated, or provided for informational purposes, or from temporary website unavailability.
Nothing in these terms excludes or limits any liability or right that cannot lawfully be excluded or limited under applicable law.
These terms do not override the rights or obligations established by an applicable loan agreement or mandatory legal or regulatory requirements.
11. Indemnity
To the extent permitted by applicable law, you may be responsible for losses or claims arising from your unlawful use of the website, your deliberate misuse of its systems, or your violation of these terms or the rights of another party.
This clause does not impose liability where applicable law does not permit it.
12. Privacy and Personal Information
Your use of this website is also subject to our Privacy Policy, which explains how personal information may be collected, used, and protected.
Please read the Privacy Policy before submitting personal information through the website.
13. Changes to These Terms
We may revise these Terms & Conditions from time to time to reflect changes in our website, services, business practices, or applicable legal requirements.
Updated terms will be published on this page with a revised effective date, where appropriate. Your continued use of the website after an update takes effect will be subject to the revised terms, to the extent permitted by applicable law.
14. Governing Law and Jurisdiction
These Terms & Conditions shall be governed by the laws of India.
Any dispute relating to the use of this website shall be subject to the jurisdiction of the competent courts, as determined under applicable law.
Nothing in this clause limits any rights or remedies available under applicable law or any mandatory dispute-resolution procedure.
15. Contact Us
If you have questions about these Terms & Conditions, please contact.