Terms of Use

STRATOCAP Consultancy Services LLP  |  Last Updated: April 2026

1. Introduction

This document is an electronic record under the Information Technology Act, 2000 and the rules made thereunder. This electronic record is generated by a computer system and does not require any physical or digital signature.

These Terms of Use govern your access to and use of the website www.stratocap.com, including any related webpages, enquiry forms, calculators, tools, content, and services made available through the website.

By accessing, browsing, or using this website, you agree to be bound by these Terms of Use. If you do not agree with these Terms of Use, you should not access or use this website.

2. About STRATOCAP

STRATOCAP CONSULTANCY SERVICES LLP, referred to as "STRATOCAP", "we", "us", or "our", is a financial advisory and credit facilitation firm. We assist individuals, professionals, businesses, and entities in evaluating, structuring, and facilitating access to financial products offered by banks, NBFCs, housing finance companies, and other financial institutions.

STRATOCAP is not a bank, NBFC, lender, credit bureau, or financial institution. STRATOCAP does not lend funds directly and does not independently sanction, approve, reject, disburse, or service any loan.

3. Services Offered

STRATOCAP may assist users in relation to financial products and services including, but not limited to home loans, loan against property, business loans, working capital finance, balance transfer, education loans, NRI home loans, project finance, equipment finance, credit profile review, loan structuring, and documentation support.

The availability, eligibility, pricing, approval, sanction, disbursement, tenure, interest rate, processing fee, charges, terms, and conditions of any financial product are determined solely by the respective bank, NBFC, housing finance company, or financial institution.

4. No Guarantee of Approval

Use of this website, submission of an enquiry, use of any calculator, or engagement with STRATOCAP does not guarantee loan approval, sanction, disbursement, rate concession, waiver of charges, or favourable terms.

All lending decisions are made solely by the concerned financial institution based on its internal credit policy, documentation requirements, risk assessment, legal checks, technical checks, valuation, credit score, repayment capacity, banking conduct, and applicable regulations.

5. Website Content and Calculators

The content, calculators, illustrations, eligibility estimates, EMI estimates, savings estimates, and other tools available on this website are provided for general informational and indicative purposes only.

Such information should not be treated as a binding offer, commitment, approval, quotation, sanction, or financial advice. Actual figures, eligibility, rates, charges, and terms may differ based on lender policy, applicant profile, market conditions, and documentation.

Users should independently verify all figures and terms with the respective lender before making any financial decision.

6. User Responsibility

By using this website or submitting any information, you confirm that you are legally competent to enter into binding arrangements under applicable law, you are using this website for lawful purposes only, all information provided by you is true, accurate, current, complete, and not misleading, you are authorized to provide any information submitted by you, and you will promptly update STRATOCAP if any information provided by you changes.

STRATOCAP shall not be responsible for any loss, rejection, delay, dispute, or adverse consequence arising from incorrect, incomplete, misleading, outdated, or fraudulent information provided by the user.

7. Consent to Contact

By submitting your details through this website, enquiry form, calculator, contact form, phone call, WhatsApp, email, or any other communication channel, you authorize STRATOCAP and its representatives to contact you through phone, SMS, WhatsApp, email, or other lawful communication channels for the purpose of understanding your requirements, processing your enquiry, providing updates, assisting with documentation, and facilitating relevant financial solutions.

8. Sharing of Information

You authorize STRATOCAP to share information provided by you with banks, NBFCs, housing finance companies, financial institutions, credit processing partners, legal or technical agencies, verification agencies, and other relevant service providers where such sharing is necessary or appropriate for evaluating, processing, facilitating, or servicing your financial requirement.

9. No Professional Advice

The information available on this website is for general awareness and assistance. It should not be considered legal, tax, investment, accounting, or independent financial advice.

Users should consult appropriate professionals before making financial, legal, tax, or investment decisions.

10. Third-Party Products and Institutions

Financial products referred to on this website are offered by third-party banks, NBFCs, housing finance companies, and financial institutions. STRATOCAP may assist in coordination and facilitation but does not control the policies, decisions, systems, processing timelines, documentation requirements, terms, charges, or conduct of such third parties.

STRATOCAP shall not be liable for any act, omission, delay, rejection, sanction condition, policy change, rate change, charge, communication, or decision of any third-party institution.

11. Intellectual Property

All content, text, design, layout, graphics, icons, branding, logos, service descriptions, calculators, and other materials on this website are owned by or licensed to STRATOCAP, unless otherwise stated.

No material from this website may be copied, reproduced, modified, republished, uploaded, transmitted, distributed, mirrored, framed, or used for commercial purposes without prior written permission from STRATOCAP.

12. Restricted Use

Users shall not use the website for unlawful, fraudulent, harmful, or misleading purposes; attempt unauthorized access to the website, server, database, systems, or networks; use bots, scrapers, crawlers, or automated tools to access or extract data without permission; interfere with or disrupt website functionality or security; upload or transmit viruses, malware, or harmful code; misrepresent identity; or submit information on behalf of another person without authority.

13. Website Availability

STRATOCAP does not guarantee uninterrupted, error-free, secure, or continuous access to the website. The website may be unavailable due to maintenance, technical issues, hosting interruptions, cyber incidents, third-party service disruptions, or circumstances beyond our control.

14. External Links

This website may contain links to third-party websites, tools, platforms, or resources. Such links are provided for convenience only. STRATOCAP does not control, endorse, or assume responsibility for third-party websites, their content, security, privacy practices, accuracy, or services.

15. Privacy and Data Protection

Use of personal information is governed by our Privacy Policy. By using this website and submitting information, you consent to the collection, use, processing, storage, and sharing of information as described in the Privacy Policy and these Terms of Use.

16. Limitation of Liability

To the maximum extent permitted under applicable law, STRATOCAP, its partners, designated partners, employees, consultants, representatives, associates, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, financial, business, reputational, or other loss arising from use of the website, reliance on website content, calculators or estimates, loan rejection, delay, non-sanction, non-disbursement, change in terms, actions of lenders, incorrect information provided by users, technical errors, website downtime, cyber incidents, or third-party failures.

17. Indemnity

You agree to indemnify and hold harmless STRATOCAP, its partners, designated partners, employees, consultants, representatives, associates, and service providers from and against any claims, losses, liabilities, damages, costs, penalties, expenses, or proceedings arising out of your use or misuse of the website, breach of these Terms of Use, submission of false or unauthorized information, violation of applicable law, infringement of third-party rights, or any action taken by a financial institution based on information provided by you.

18. Modification of Terms

STRATOCAP reserves the right to amend, update, modify, or replace these Terms of Use at any time without prior notice. Continued use of the website after any modification shall constitute acceptance of the revised Terms of Use.

19. Severability

If any provision of these Terms of Use is held to be invalid, unlawful, or unenforceable, the remaining provisions shall continue to remain valid and enforceable to the fullest extent permitted by law.

20. Governing Law and Jurisdiction

These Terms of Use shall be governed by and interpreted in accordance with the laws of India. Subject to applicable law, the courts at Pune, Maharashtra shall have exclusive jurisdiction over disputes arising out of or in connection with these Terms of Use, use of the website, or services facilitated by STRATOCAP.

21. Grievance Redressal

For any concern, complaint, or grievance relating to this website or these Terms of Use, you may contact: