Welcome to HKR Finserv (“us”, “we”, or “our”)! Before you access or use our website (“site”), please carefully review these Terms and Conditions (“Terms”), as they govern your use of our services. You acknowledge your acceptance of these Terms by accessing and using our site. If you disagree with any part of these Terms, please refrain from using our site.

1. Introduction – The website www.hkrfinserv.com (“Site”) is operated and maintained by HKR Finserv, a division of HKR FINSERV (“we”, “us”, or “our”). By accessing and using this site, you agree to comply with these Terms and Conditions and our Privacy Policy. If you disagree with these terms, please do not use the site.
   
   
2. Acceptance of Terms – Your use of the site constitutes your acceptance of these Terms. If you do not agree to these Terms, please discontinue use of the area immediately. We reserve the right to modify, amend, or replace these Terms at any time, and your continued use of the site following any changes signifies your acceptance of the modified Terms.
   
   
3. Use of the Site – We grant you a limited, non-exclusive, non-transferable license to access and use the site for informational purposes only. You may not reproduce, distribute, modify, or create derivative works from the content on this site without our prior written consent.
   
   
4. Eligibility – Using the site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter these Terms. If you are using the site on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
   
   
5. Privacy Policy – Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and safeguard your personal information when you use our site.
   
   
6. User Conduct – You agree not to use the site for any unlawful or unauthorized purposes. You must not transmit any viruses, malware, or any code of a destructive nature. You also agree not to interfere with or disrupt the integrity or performance of the site or its content.
   
   
7. Disclaimer of Liability – The information on this site is for general informational purposes only and should not be considered professional advice. We make no representations or warranties of any kind, whether express or implied, regarding the content’s accuracy, completeness, or reliability. Your use of the information is at your own risk.
   
   
8. Intellectual Property – All content on the site, including text, graphics, logos, images, and software, is the property of HKR Finserv or its licensors and is protected by copyright and other intellectual property laws. You may not use, reproduce, distribute, or modify any content without our prior written consent.
   
   
9. Limitation of Liability – To the fullest extent permitted by law, HKR Finserv and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages or any loss of profits or revenues, directly or indirectly.
   
   
10. Links to Third-Party Websites – Our site may contain links to third-party websites. We are not responsible for any third-party sites’ content, privacy policies, or practices. Your use of third-party websites is at your own risk.
    
    
11. Governing Law – These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.
    
    
12. Contact Us – If you have any questions about these terms and conditions, please contact us at [customercare@hkrfinserv.com]. We are here to assist you.