1. Acceptance of Terms
By applying for membership or using any services offered by CapIN Dhanvarsha Nidhi Ltd. (hereinafter "the Company"), you agree to be bound by these Terms and Conditions, which are subject to the provisions of the Companies Act, 2013, and the Nidhi Companies Rules, 2014.
2. Membership Eligibility

• Membership is open only to individuals, as per the Nidhi Rules.
• The Company reserves the right to accept or reject any membership application at its sole discretion in accordance with its internal policies and regulatory requirements.

3. Services Offered
The Company provides the following core services to its members:

• Acceptance of various types of deposits (Recurring, Fixed, Savings, etc.).
• Providing loans and advances to members against security.
• All financial transactions are strictly limited to members only.

4. Deposits and Loans

• All deposits and loans are governed by the rules and policies of the Company, which are framed in compliance with the Nidhi Rules, 2014.
• Interest rates, repayment schedules, and security requirements for loans will be explicitly stated in the respective agreement documents.
• Members are obligated to provide accurate information and valid security for all transactions.

5. Member Responsibilities

• Members must inform the Company immediately of any change in their contact or personal details.
• Members are responsible for maintaining the confidentiality of their account information.
• Any misuse of services or provision of false information may lead to termination of membership and legal action.

6. Limitation of Liability
The Company shall not be liable for any loss or damage arising directly or indirectly from:

• Any delay or failure in performance resulting from causes beyond its reasonable control.
• A member's failure to comply with the terms of the agreement.

7. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Prayagraj, Uttar Pradesh.
8. Amendments
The Company reserves the right to modify these Terms and Conditions, its policies, and interest rates at any time. Members will be notified of material changes as required by law.

9. Contact Information
For any queries or grievances related to these Terms and Conditions or our services, please contact:
CapIN Dhanvarsha Nidhi Ltd.
55-B, Lowther Rd, George Town, Prayagraj, Uttar Pradesh, India 211002.
Email: capinpvtltd@gmail.com
Phone: +91-9648344777