Terms & Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "Applicant", "Student", or "Co-Applicant") and Visionary Path Services ("VPS", "Company", "we", "us", or "our").

By accessing, browsing, or registering on our website (www.visionarypathservices.com), interacting with our advisory executives, using our financial calculators, or submitting loan documentation via WhatsApp, email, or physical submission, you acknowledge that you have read, understood, and agreed to be bound by these Terms in their entirety. If you do not agree to these Terms, you must immediately discontinue using our services.

2. Advisory & Intermediary Role (Non-Lender Status)

Visionary Path Services functions solely as an independent education finance consultancy, loan facilitator, and channel partner / Direct Selling Agent (DSA).

Our services are strictly confined to:

• Analyzing the student's academic and co-applicant's financial profile.
• Assisting in assembling, structuring, and optimizing the loan documentation file.
• Facilitating the submission of completed loan applications to RBI-regulated partner institutions (including SBI, Bank of Baroda, ICICI Bank, Axis Bank, HDFC Credila, Avanse, Auxilo, InCred, and international lenders like Prodigy Finance).
• Providing tracking, follow-ups, and liaison support until loan sanction and disbursement.

3. Bank Sole Discretion Clause & No Guarantee of Sanction

Visionary Path Services strives to secure the highest approval probability and favorable terms for every applicant. However, we do not and cannot guarantee loan approvals, specific sanctioned amounts, or interest rates.

• Underwriting Authority: The respective partner bank or NBFC holds the sole, final, and non-negotiable authority to accept, decline, conditionally approve, or revoke any loan application.
• Credit Assessment Factors: Lender credit committees make decisions independently based on the borrower’s CIBIL/credit score, FOIR (Fixed Obligation to Income Ratio), target university global ranking, academic standing, collateral legal clearance, and internal risk policies.
• Collateral Acceptability: For secured loans, property title clearance, non-agricultural status, municipal approval, and valuation ratios are determined solely by the bank's empanelled legal and technical evaluators.

4. Interest Rates, Fees & Market Policy Modifications

All interest rates, Annual Percentage Rates (APR), processing fee percentages, administrative charges, insurance requirements, and margin money quotas advertised on our website, promotional brochures, or shared by our representatives are indicative and benchmark-based.

Actual interest rates, loan tenure, EMI amortizations, and repayment terms will be explicitly specified only in the formal Sanction Letter and Loan Agreement issued directly by the financing bank or NBFC.

5. 100% Free Guidance Policy & Anti-Fraud Warning

In line with our student-first philosophy, standard loan advisory, eligibility evaluations, and profile matching services offered by Visionary Path Services to students are 100% free of charge.

6. User Document Warranties & Anti-Fraud Obligations

By submitting documents to Visionary Path Services, you represent, warrant, and covenant that:

1. All information, academic certificates, transcripts, test scorecards (IELTS, GRE, etc.), offer letters, salary slips, ITR filings, bank statements, and property deeds provided are 100% authentic, accurate, and unmanipulated.
2. You have obtained explicit consent from any co-applicant, parent, or guarantor whose personal and financial documents you upload or transmit to us.
3. You will not misrepresent your income, employment status, liabilities, or academic background.

Consequences of Misrepresentation: If any document is found to be forged, altered, fake, or misleading, Visionary Path Services reserves the right to immediately terminate advisory services, cancel ongoing applications, report the matter to partner bank fraud cells, and notify credit bureaus (CIBIL/Experian), which may permanently impair your credit score and future borrowing eligibility.

7. Communication & DND Registry Waiver

By submitting your telephone number, WhatsApp number, and email ID on our web forms or calculators, you expressly grant Visionary Path Services, our counselors, and our institutional banking partners permission to contact you through:

• Direct voice calls and telephonic consultations.
• WhatsApp text messages, document transfer chats, and status notifications.
• Automated SMS and transaction status alerts.
• Electronic mail detailing eligibility analyses and bank comparisons.

This consent overrides any registration of your mobile phone number on the National Customer Preference Register (NCPR) or National Do Not Disturb (DND) Registry maintained by TRAI. You may unsubscribe or withdraw consent by emailing us at Visionarypathservises@gmail.com.

8. Limitation of Liability

To the maximum extent permitted by applicable Indian law, Visionary Path Services, its proprietors, directors, employees, and consultants shall not be held liable for:

• Any rejection, cancellation, reduction in sanction amount, or delay in loan sanction caused by partner banks or NBFCs.
• Any loss of university admission, expiration of offer letter deadlines, loss of seat deposits, or cancellation of flight tickets resulting from banking processing timelines or credit underwriting decisions.
• Any rejection, delay, or denial of student visas by foreign embassies, consulates, or immigration authorities.
• Any fluctuations in foreign exchange rates (forex) or currency conversion fees charged by banks during international fee remittances.
• Any indirect, incidental, punitive, or consequential damages arising out of your use or inability to use our advisory services.

9. Intellectual Property & Third-Party Trademarks

The content, website design, text, financial calculator algorithms, graphics, and brand identity of Visionary Path Services are protected by copyright and intellectual property laws of India.

Third-Party Bank Logos: Logos, service marks, and brand trademarks of partner banks and NBFCs (such as State Bank of India, Bank of Baroda, ICICI Bank, Axis Bank, HDFC Credila, Avanse, Auxilo, InCred, and Prodigy Finance) displayed across our website belong strictly to their respective corporate owners. Their display signifies channel partnership, aggregator relationships, or factual service descriptions and does not imply exclusive ownership or direct sponsorship of Visionary Path Services by said institutions.

10. Termination & Blacklisting

Visionary Path Services reserves the unilateral right to suspend, terminate, or blacklist any user from receiving advisory services without prior notice if:

• The user breaches any provision of these Terms & Conditions.
• The user engages in abusive, threatening, or unprofessional conduct towards our staff or partner bank executives.
• Suspicious or fraudulent documentation is detected in the applicant’s loan file.

11. Governing Law, Dispute Resolution & Jurisdiction

These Terms and Conditions shall be governed by, construed, and enforced in accordance with the substantive laws of India, without regard to its conflict of law principles.

In the event of any dispute, claim, controversy, or difference arising out of or relating to these Terms or the services rendered by Visionary Path Services:

• The parties shall first endeavor to resolve the dispute amicably through good-faith mutual negotiations within thirty (30) business days.
• If unresolved, the dispute shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996 by a sole arbitrator mutually appointed by the parties. The seat and venue of arbitration shall be Hyderabad / Telangana, India, and proceedings shall be conducted in English.
• Subject to arbitration, the courts situated in Hyderabad, Telangana, India shall have exclusive territorial jurisdiction over all matters arising hereunder.