Legal

Terms and Conditions

Last updated: 22 September 2026

Note: This page is a template prepared for review. It should be checked and approved by the client's legal adviser before publication.

These Terms and Conditions govern your use of this website and your enquiries with Cine Craft Advisory. The website is operated on behalf of Cine Craft Advisory LLP and Kalpita Credit Capital Private Limited (together referred to as "we", "us" or "our"). Please read these terms carefully. By using this website, you agree to them. If you do not agree, please do not use the website.

About our services

Cine Craft Advisory provides professional facilitation and compliance support for matters such as tax filing, GST, accounting, business registration and licensing in India. We help you understand requirements, prepare documents and submit applications or returns on your behalf where you authorise us to do so.

We are not a bank, NBFC, lender, investment adviser, government body or law firm. We do not offer loans, deposits, credit or investment products through this website, and nothing on this website should be read as an offer of any such product.

Use of the website

You agree to use this website only for lawful purposes. You must not:

submit false, misleading or another person's information without their permission;
attempt to gain unauthorised access to the website, its server or any data stored on it;
send spam, malicious code or automated requests that interfere with the website; or
copy or reuse website content for commercial purposes without our written permission.

Website content

The content on this website is general information only. It is not legal, tax or financial advice for your specific situation and should not be relied on as a substitute for individual professional advice. Tax rules, thresholds, fees and due dates change from time to time. While we try to keep content accurate and current, we do not promise that it is complete, accurate or up to date at all times. Please confirm current requirements before acting.

Enquiries and quotations

Submitting an enquiry form does not create a client relationship or oblige either party to proceed. After an enquiry, we may contact you to understand your requirements and share a quotation. A quotation is based on the information you provide and may change if your requirements or circumstances turn out to be different.

An engagement begins only when you accept our quotation or engagement terms and make any agreed advance payment. Specific terms for an engagement, including scope, deliverables and fees, will be shared with you at that time and will apply alongside these terms.

Fees and government charges

Our quotations show professional fees separately from government fees, stamp duty and other statutory charges. Government charges are set by the relevant authority and are payable in addition to our professional fee unless the quotation clearly states otherwise. Applicable taxes on our professional fee will be charged as required by law.

Refunds and cancellations are handled as described in our Refund and Cancellation Policy.

Your responsibilities

To help us deliver the service, you agree to:

provide complete, accurate and genuine information and documents;
respond to requests for information or clarification within a reasonable time;
review drafts, applications and returns before they are filed and tell us promptly about any errors;
share OTPs, portal access or authorisations only through the process we agree with you, and only when needed for the agreed work; and
pay fees and government charges when due.

You remain responsible for the accuracy of the information you provide and for meeting your own statutory obligations. Delays or errors caused by incomplete or incorrect information may affect timelines and outcomes.

Approvals, timelines and outcomes

Registrations, licences, approvals and assessments are decided by the relevant government authority under the rules that apply at the time. We do not control those decisions and cannot guarantee any approval, outcome or refund from an authority. Any timelines we share are indicative only. Actual timelines depend on document verification, queries raised by officers, portal availability and government processing.

Independence

We are an independent service provider. We are not affiliated with, endorsed by or acting on behalf of any government department, ministry or regulator, unless expressly stated for a specific matter.

Confidentiality and data

We treat client information as confidential and use it only for the agreed work, except where disclosure is required by law or needed to file with an authority on your behalf. Our handling of personal information is explained in our Privacy Policy.

Intellectual property

The text, design, graphics and layout of this website belong to us or are used with permission. You may view and print pages for your personal, non-commercial use. Any other use requires our prior written permission.

Limitation of liability

To the extent permitted by law, we are not liable for any indirect or consequential loss arising from use of this website or reliance on its content. For services we provide under an engagement, our total liability is limited to the professional fee paid to us for the specific service giving rise to the claim, unless the engagement terms state otherwise or the law requires a different result. Nothing in these terms limits liability that cannot be limited under applicable law.

Third-party services

Some work involves government portals and third-party systems that we do not control. We are not responsible for their availability, errors, downtime or changes to their processes, although we will try to help you work around such issues where reasonably possible.

Governing law and disputes

These terms are governed by the laws of India. We encourage you to contact us first so that we can try to resolve any concern informally. Subject to that, the courts at Kolkata will have jurisdiction over any dispute arising from these terms or your use of this website.

Changes to these terms

We may update these terms from time to time. The updated version will be posted on this page with a revised "last updated" date. Continued use of the website after changes means you accept the updated terms.

Contact us

For questions about these terms, please call us on +91 89106 72572 (Mon–Sat, 10:00 am – 7:00 pm) or write to us at AH-93, 7 No. Digantika, Sector-2, Salt Lake, Kolkata, West Bengal, 700064.

Gold loan: customer declarations in simple words

When you take a gold loan, the written loan agreement governs. In simple words, you confirm and agree that:

the gold you pledge belongs to you and is not stolen or disputed;
the gold is returned only after the full loan, interest and charges are repaid;
you will give 7 days’ notice before collecting your gold;
if the loan is not repaid within the tenure and after notice, the pledged gold may be auctioned as per the agreement;
a fee of 1% of the amount applies on release and on top-up;
penal interest applies if monthly interest is not paid on time; and
where a personal loan (top-up) is given along with the gold loan, the gold is not released until the personal loan part is also repaid.