Terms & Conditions
The basis on which this website and the information on it are provided to you.
Last updated: · Applies to vidhaiuzhavan.com and vidhaiuzhavan.in.
By accessing or using this website you agree to these terms. If you do not agree with them, please do not use the site.
1. About us
This website is operated by Vidhai Uzhavan Micro Finance Solutions Pvt Ltd, a micro finance company with its head office at Tiruvarur, Tamil Nadu, India. References to "we", "us" and "our" are to that company.
2. Information is indicative, not an offer
Product descriptions, eligibility guidance, document lists, tenures, interest rates and charges shown on this website are indicative and are provided for general information. They may change without prior notice.
Nothing on this website constitutes an offer, a commitment or a sanction of credit, and nothing on it creates any obligation on us to lend. Every loan is subject to eligibility, documentation, credit appraisal and our internal approval policy, as per prevailing Government norms. Your binding terms are those set out in the sanction letter and loan agreement you sign.
3. The EMI calculator
The calculator on this website applies the standard equated monthly instalment formula on a reducing-balance basis to the three figures you enter. It is a planning tool only.
- It does not include processing fees, documentation, legal, valuation, statutory or insurance charges.
- It does not assess your eligibility, and its output is not a quotation.
- Your actual instalment depends on the amount sanctioned, the rate applicable to your profile and the disbursal date.
4. Enquiries submitted through this website
Submitting an enquiry form creates an enquiry, not an application for credit, and does not oblige either party to proceed. You confirm that the information you provide is true and complete to the best of your knowledge, and you authorise us to contact you in connection with that enquiry as described in our Privacy Policy.
Do not submit Aadhaar numbers, full bank account numbers, OTPs, passwords or scanned documents through the website forms. Those are collected securely at the branch when your application proceeds.
5. Insurance products
Insurance products referred to on this website are underwritten and issued by licensed insurance companies. Our role is limited to assisting you in choosing, applying for and servicing a policy. The contract of insurance is between you and the insurer, and the policy document issued by the insurer governs cover, exclusions and claims.
6. Acceptable use
- Use this website only for lawful purposes and only for genuine enquiries.
- Do not submit false information or impersonate another person.
- Do not attempt to gain unauthorised access to the site, its server or any connected system.
- Do not use automated means to scrape, overload or disrupt the site.
- Do not copy, reproduce or republish the content of this site for commercial purposes without our written permission.
7. Intellectual property
The name, logo, trade marks, text, graphics, layout and code of this website are owned by or licensed to us and are protected by applicable law. You may view and print pages for your own personal, non-commercial use. All other rights are reserved.
8. Third-party links and embedded content
This website may link to or embed content from third parties, such as a map service. We do not control those services and are not responsible for their content, availability or practices. Following an external link is at your own risk.
9. Availability
We aim to keep this website available and accurate, but we do not guarantee uninterrupted access. The site may be unavailable during maintenance or for reasons beyond our control, and we may change or withdraw any part of it without notice.
10. Limitation of liability
To the extent permitted by law, we are not liable for any loss arising from reliance on indicative information, calculator estimates or general guidance on this website, or from any interruption in its availability. Nothing in these terms limits any liability that cannot lawfully be limited, including liability arising from our obligations to you under a loan or insurance contract you have actually entered into.
11. Fraud warning
We never ask for advance cash payments, OTPs or passwords over telephone, e-mail or WhatsApp, and we never collect money into a personal account. We are not responsible for losses arising from dealings with any person or website falsely claiming to represent us. Report any such approach immediately on 62 62 47 47 53 or uzhavaninsurance@gmail.com.
12. Grievances
If you have a complaint about our service, our Grievance Redressal page sets out how to raise it and what response you can expect.
13. Governing law
These terms are governed by the laws of India. Courts at Tiruvarur, Tamil Nadu shall have jurisdiction in respect of any dispute arising from the use of this website.
14. Changes to these terms
We may revise these terms from time to time. The current version is always the one published on this page, with the date shown above.
15. Contact
Vidhai Uzhavan Micro Finance Solutions Pvt Ltd
Head Office: Tiruvarur, Tamil Nadu, India
E-mail: uzhavaninsurance@gmail.com
Telephone: 62 62 47 47 53
Note for the company: these terms are a working draft prepared for the website. Have them reviewed by your legal adviser before publication, and insert the registered office address, CIN and any registration or licence numbers you are required to display.