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Terms and Conditions

In short: We are not a bank/NBFC and do not guarantee approval. Self-apply is free from us; paid consultation fees are shared upfront. You must give correct information. Law: India; courts: Surat.

Last updated: 4 November 2026

These terms apply to your use of finaxyworld.com and the services of Kotadiya Enterprise. By using the website or our services, you agree to these terms.

About our services

Kotadiya Enterprise provides loan-related information, referral services and optional paid consultation. We are not a bank, NBFC or RBI-regulated lender. We do not sanction, approve or disburse loans or credit cards.

No guarantee

Approval, loan amount, interest rate, fees, tenure and disbursement are decided solely by the lender based on its eligibility criteria, credit assessment and policies. We do not guarantee any outcome.

Self-apply and referral links

When you use a partner link, you apply directly with that partner under its terms. We may receive referral compensation. We are not responsible for a partner’s decisions, products or services.

Paid consultation

Consultation is optional. The fee, scope and refund terms are shown before payment and set out in the Consultation Fee Disclosure. Paying the fee does not guarantee approval.

Your responsibilities

Provide true, complete and current information
Do not submit forged or altered documents
Make your own borrowing decision after reading the lender’s terms and Key Facts Statement
Keep your OTP, PIN and passwords private

Website content

Information on this website is general in nature and may change. Product details are subject to the lender’s current terms. It is not financial, legal or tax advice.

Intellectual property

Website text, design and original graphics belong to Kotadiya Enterprise. Third-party names and trademarks belong to their owners and are used only for identification.

Limitation of liability

To the extent permitted by law, Kotadiya Enterprise is not liable for decisions made by lenders or partners, or for losses from relying on general information on this website.

Governing law

These terms are governed by the laws of India. Courts at Surat, Gujarat will have jurisdiction, subject to applicable consumer protection laws.

Contact

Kotadiya Enterprise, 215/A, Sky View, Opp. Swaminarayan Bus Parking, Sarthana Jakatnaka, Varachha, Surat, Gujarat 395010
Email: mdexim61@gmail.com · Phone: +91 81405 26761