Your Money,
Your Best Deal.
Guaranteed.

1. Information We Collect

We collect the following categories of personal information:

• Identity Data: Full name, date of birth, PAN card number, Aadhaar number (where required by lenders).
• Contact Data: Mobile number, email address, residential and office address.
• Financial Data: Income details, employment type, existing loan obligations, credit score information, and bank statements (shared voluntarily for loan processing).
• Technical Data: IP address, browser type, device information, pages visited, and time spent on this website (collected via standard web analytics).
• Communication Data: Records of calls, WhatsApp messages, emails, and form submissions made to us.

2. How We Use Your Information

Your personal data is used exclusively for the following purposes:

• To contact you in response to a loan or insurance enquiry submitted via our website or phone.
• To assess your eligibility and match you with appropriate lenders or insurance providers.
• To process and forward your loan or insurance application to relevant financial institutions on your behalf.
• To comply with regulatory and legal obligations under applicable Indian laws.
• To improve our website experience and services.

3. Sharing of Your Information

We do not sell, rent, or trade your personal information. Your data may be shared only with:

• Banks, Non-Banking Financial Companies (NBFCs), and insurance providers as part of your loan or insurance application process.
• Credit bureaus (such as CIBIL, Experian) where required for loan processing.
• Regulatory authorities (RBI, IRDAI, Income Tax Department) when mandated by law.

All third parties with whom we share data are bound by their own privacy and data protection obligations.

4. Data Retention

We retain your personal data for as long as necessary to fulfil the purpose for which it was collected, or as required by applicable law. Typically, records related to financial transactions are retained for a minimum of 8 years in compliance with Indian financial regulations.

5. Data Security

We implement appropriate technical and organisational measures to safeguard your personal information against unauthorised access, disclosure, alteration, or destruction. However, no method of internet transmission is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

Under applicable Indian law and the Digital Personal Data Protection Act, 2023, you have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Withdraw consent for processing, where applicable.
• Raise a grievance with respect to the handling of your data.

To exercise any of these rights, please contact us at loanguru@gurufinancials.com or call +91 94836 51212.

7. Cookies

Our website may use cookies and similar technologies to enhance your browsing experience. You may disable cookies through your browser settings; however, some features of the website may not function correctly as a result.

8. Third-Party Links

Our website may contain links to third-party websites (e.g., bank or NBFC portals). We are not responsible for the privacy practices of those websites and encourage you to read their privacy policies independently.

9. Changes to this Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with a revised effective date. Continued use of our services after any changes constitutes your acceptance of the revised policy.

10. Contact & Grievance Officer

Guru Financial Services
No 15, Sri Sheshadri Nilaya, 1st Cross, Veeranjaneya Layout,
Near Thurahalli Forest, Bengaluru – 560062, Karnataka, India.
📞 +91 94836 51212  |  ✉ loanguru@gurufinancials.com

1. Nature of Services

Guru Financial Services is an independent financial advisory and loan facilitation firm. We are not a bank, Non-Banking Financial Company (NBFC), or insurance company. We act as an intermediary between borrowers/insurance seekers and financial institutions.

We do not directly lend money or underwrite insurance policies. All loans and insurance products are provided by the respective banks, NBFCs, or insurance companies.

2. Interest Rates & Product Information

All interest rates, loan amounts, EMI figures, and product features mentioned on this website are indicative only and are subject to change without prior notice. Actual rates offered will depend on:

• The applicant's creditworthiness and CIBIL score.
• The lender's internal credit assessment and policies at the time of application.
• Prevailing market conditions, RBI repo rate changes, and regulatory guidelines.
• The nature, value, and location of the collateral (for secured loans).

3. No Guarantee of Approval

Submitting an enquiry or application through this website does not guarantee loan or insurance approval. All approvals are at the sole discretion of the respective financial institution.

4. EMI Calculator

The EMI calculator available on this website is provided for general illustrative purposes only. The results are approximate and may differ from actual loan repayment amounts due to processing fees, taxes, insurance charges, and other costs levied by lenders.

5. Third-Party Information

Information about banks, NBFCs, and insurance companies mentioned on this website is sourced from publicly available data and is believed to be accurate at the time of publication. We do not warrant the accuracy, completeness, or timeliness of such third-party information.

6. No Financial Advice

Content on this website is for general informational purposes only and does not constitute personalised financial, legal, tax, or investment advice. We recommend consulting a qualified financial advisor before making any financial decisions.

7. Liability

To the fullest extent permitted by applicable law, Guru Financial Services shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of this website or reliance on any information provided herein.

8. Regulatory Compliance

Guru Financial Services operates in compliance with applicable guidelines issued by the Reserve Bank of India (RBI) and the Insurance Regulatory and Development Authority of India (IRDAI). We are committed to ethical business practices and transparent client relationships.

1. Business Identity

Guru Financial Services is a proprietary concern registered and operating under the laws of India. Our principal place of business is:

No 15, Sri Sheshadri Nilaya, 1st Cross, Veeranjaneya Layout,
Near Thurahalli Forest, Bengaluru – 560062,
Karnataka, India.
📞 +91 94836 51212  |  ✉ loanguru@gurufinancials.com

2. Intellectual Property

All content on this Website — including but not limited to text, graphics, logos, icons, layouts, design elements, and software — is the exclusive intellectual property of Guru Financial Services unless otherwise stated.

Unauthorised reproduction, distribution, modification, or use of any content from this Website without our prior written consent is strictly prohibited and may constitute infringement under the Copyright Act, 1957, and other applicable Indian laws.

3. Permitted Use

You may access and use this Website solely for lawful, personal, and non-commercial purposes. You must not:

• Use this Website in any manner that could damage, disable, overburden, or impair it.
• Attempt to gain unauthorised access to any part of the Website or its related systems.
• Use automated tools, bots, or scrapers to extract data from this Website.
• Publish, transmit, or distribute any content that is defamatory, obscene, or in violation of any applicable law.

4. Governing Law & Jurisdiction

This Website and all matters arising out of or relating to it shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes arising in connection with this Website shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India.

5. Regulatory Information

Guru Financial Services operates as a loan and insurance advisory intermediary. Our activities are guided by:

• Reserve Bank of India (RBI) guidelines for loan facilitation and direct sales agents.
• Insurance Regulatory and Development Authority of India (IRDAI) guidelines for insurance intermediaries.
• Information Technology Act, 2000 and its amendments.
• Digital Personal Data Protection Act, 2023.
• Prevention of Money Laundering Act, 2002 (PMLA) — KYC norms applicable.

6. No Solicitation

Nothing on this Website constitutes a solicitation, recommendation, or offer to buy or sell any financial product. All enquiries submitted through this Website are voluntary and do not create any obligation on either party.

7. Force Majeure

Guru Financial Services shall not be held liable for any failure or delay in performance arising out of causes beyond our reasonable control, including acts of God, government restrictions, natural disasters, or technical failures of the internet infrastructure.

8. Amendments

We reserve the right to amend this Legal Notice at any time without prior notice. It is your responsibility to review this page periodically. Your continued use of this Website following any amendments constitutes your acceptance of the revised Legal Notice.

9. Contact for Legal Matters

For any legal queries, notices, or correspondence, please contact us in writing at:

Guru Financial Services
No 15, Sri Sheshadri Nilaya, 1st Cross, Veeranjaneya Layout,
Near Thurahalli Forest, Bengaluru – 560062, Karnataka, India.
✉ loanguru@gurufinancials.com

What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help the website remember your preferences, improve performance, and enable certain features.

Types of Cookies We Use

• Essential Cookies: Required for the website to function correctly. These cannot be disabled. Examples: session management, form submission handling.
• Analytics Cookies: Help us understand how visitors interact with our website (e.g., pages visited, time spent). We may use Google Analytics for this purpose. Data collected is anonymised.
• Preference Cookies: Remember your choices such as language or display settings to personalise your experience.
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements (e.g., Google Ads, Facebook Pixel). These are only activated with your consent.

Third-Party Cookies

Some pages may embed content from third parties (e.g., Google Maps, YouTube). These third parties may set their own cookies subject to their respective privacy policies.

Managing Cookies

You can control and delete cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of the website. For guidance on managing cookies, visit www.aboutcookies.org.

Consent

By continuing to use our website, you consent to the use of cookies as described in this policy. You may withdraw consent at any time by clearing cookies from your browser and adjusting your settings accordingly.

Contact

For questions about our use of cookies, contact us at loanguru@gurufinancials.com.

How to Raise a Complaint

You may raise a grievance through any of the following channels:

• 📞 Phone: +91 94836 51212 (Mon–Sat, 9 AM – 7 PM)
• ✉ Email: loanguru@gurufinancials.com (Subject: "Grievance – [Your Name]")
• 📍 In Person: No 15, Sri Sheshadri Nilaya, 1st Cross, Veeranjaneya Layout, Near Thurahalli Forest, Bengaluru – 560062

Grievance Officer

Name: Guruprasad (Proprietor)
Designation: Grievance Officer
Email: loanguru@gurufinancials.com
Phone: +91 94836 51212

Resolution Timelines

• Acknowledgement: Within 2 business days of receiving your complaint.
• Resolution: Within 15 business days of acknowledgement.
• Complex cases: Up to 30 business days, with regular updates provided.

Escalation

If your grievance remains unresolved to your satisfaction after 30 days, you may escalate to the relevant regulatory authority:

• Loan-related: RBI Integrated Ombudsman Scheme — www.rbi.org.in
• Insurance-related: IRDAI Bima Bharosa Portal — bimabharosa.irdai.gov.in
• Cyber/Data: Ministry of Electronics & IT — www.meity.gov.in

Fair Treatment Commitment

We are committed to treating all clients fairly, without discrimination, and in accordance with the principles of natural justice. All grievances are handled confidentially and without prejudice.

Our Accessibility Features

• Keyboard Navigation: All interactive elements on this website can be accessed using a keyboard alone.
• Screen Reader Compatible: We use semantic HTML, ARIA labels, and descriptive alt text to support screen readers.
• Colour Contrast: Text and background colours meet WCAG 2.1 Level AA contrast ratio requirements.
• Responsive Design: The website is fully responsive and usable on all device sizes including smartphones and tablets.
• Font Scaling: Text can be resized up to 200% without loss of content or functionality.
• No Seizure-Triggering Content: We avoid content that flashes more than 3 times per second.
• Reduced Motion: Animations are suppressed for users who have enabled the "prefers-reduced-motion" setting on their device.
• Touch Targets: All interactive elements meet the minimum 44×44px touch target size recommended by WCAG.

Known Limitations

While we strive for full accessibility, some third-party content (such as embedded maps) may not fully meet accessibility standards. We are actively working to improve these areas.

Assistive Technology Support

This website is designed to work with the following assistive technologies:

• Screen readers: NVDA, JAWS, VoiceOver (iOS/macOS), TalkBack (Android)
• Voice control: Dragon NaturallySpeaking, Voice Control (macOS/iOS)
• Zoom tools: Browser zoom, Windows Magnifier, ZoomText

Feedback & Contact

If you experience any difficulty accessing content on our website or wish to provide feedback on accessibility, please contact us:

📞 +91 94836 51212  |  ✉ loanguru@gurufinancials.com

We aim to respond to accessibility feedback within 5 business days.

Compliance Status

This website is partially conformant with WCAG 2.1 Level AA. We are committed to ongoing improvements and conduct periodic accessibility reviews.

Main Sections

• 🏠 Home — Hero, key stats, and quick enquiry form
• 💼 Our Products — All loan types and financial products
• 🧮 EMI Calculator — Interactive loan EMI estimation tool
• 📋 How It Works — 4-step loan process guide
• ⭐ Why Us — Our track record and key differentiators
• 🛡️ Insurance — Life, Health and Motor Insurance
• 💬 Testimonials — Client reviews and success stories
• 📞 Contact Us — Consultation form, map, and contact details

Loan Products

• Home Loan — From 7.10% p.a.
• Personal Loan — From 9.9% p.a.
• Business Loan — From 11% p.a.
• Loan Against Property — From 8.75% p.a.
• Car / Vehicle Loan — From 7.5% p.a.
• Education Loan — From 8% p.a.
• SME Loans — From 9% p.a.
• MSME Loans (CGTMSE) — From 11.25% p.a.
• Plot / Site Loan — From 7.75% p.a.
• Site Purchase & Construction — From 7.10% p.a.
• Commercial Purchase Loan — From 8.5% p.a.
• Balance Transfer & Top Up — From 7.5% p.a.
• Overdraft (OD) & Cash Credit (CC) — From 8.25% p.a.
• Working Capital — From 8.25% p.a.

Insurance Products

• Life Insurance
• Health Insurance
• Motor Insurance

Legal & Compliance

• Privacy Policy
• Disclaimer
• Legal Notice
• Cookie Policy
• Grievance Redressal
• Accessibility Statement