1. Introduction
Welcome to KAVCO. By accessing or using this website/platform, you agree to comply with and be bound by these Terms & Conditions.
KAVCO operates as a multi-service platform and facilitates various services directly and through its registered Co-operative Society, Sister Concern Companies, Associates, Franchisees, Partners, and third-party service providers.
2. Nature of Services
KAVCO provides services across multiple sectors including financial facilitation, business support, compliance, and digital services.
2.1 Co-operative Society Based Services
KAVCO provides certain services through its registered Co-operative Society, which are strictly limited to its members and governed by applicable co-operative laws.
- Opening of Member Savings Accounts
- Fixed Deposit (FD) Schemes for members
- Recurring Deposits / Pigmy (Daily Collection) Schemes
- Minor Accounts (as per applicable rules)
- Member-based deposit and savings programs
- Facilitation of microfinance / small-value loans (subject to eligibility & approval)
These services are not equivalent to banking services and are offered strictly within the legal framework of co-operative societies.
2.2 Financial & Investment Facilitation
- Loans & microfinance assistance
- Insurance services
- SIP (Mutual Fund) facilitation
- Financial documentation & advisory support
KAVCO acts as a facilitator and does not guarantee approvals.
2.3 Government & Compliance Services
- MSME registration
- Government scheme assistance
- Licenses & regulatory compliance
- E-Stamping services
2.4 Business & Startup Services
- Business consultancy
- Startup guidance
- Company registration assistance
- Documentation & operational support
2.5 Digital & Utility Services
- PAN card (new & corrections)
- Bill payments
- IT & digital solutions
- Online application processing
2.6 HR & Support Services
- Recruitment & staffing solutions
- HR support
- Business operational assistance
3. Membership & Eligibility
Certain services, especially financial services under the co-operative structure, are available only to registered members.
- Provide accurate and complete information
- Comply with membership rules where applicable
4. User Responsibilities
- Not to misuse the platform
- Not to engage in illegal or fraudulent activities
- Provide genuine documents and information
5. Payments & Fees
- All fees are non-refundable unless stated otherwise
- Charges may vary depending on service requirements
- KAVCO may revise pricing without prior notice
6. No Guarantee of Results
- Loan approvals
- Government scheme benefits
- Business success outcomes
7. Third-Party Services
KAVCO may involve third-party providers. We are not responsible for:
- Delays
- Service failures
- Rejections by third parties
8. Limitation of Liability
- Financial loss or business loss
- Rejection of applications
- Errors due to incorrect user information
9. Intellectual Property
All website content is owned by KAVCO and cannot be copied or reused without permission.
10. Termination
- Suspend or terminate access
- Deny services for violation of terms
11. Governing Law
These Terms are governed by the laws of India.