Effective Date: April 2025

The website [www.eFinancialCity.com] (hereinafter referred to as the “Website”) is owned and operated by Mekay Consultants Group, a company duly incorporated under the provisions of the Companies Act, 2013, having its registered office at 217, Pkt-2, Paschim Puri, New Delhi-110063.

By accessing or using this Website on any compatible device—whether it be a mobile phone, tablet, laptop, desktop or any other device (collectively called “Device”)—you are agreeing to these Terms and Conditions (“T&C”). If you do not accept these T&C, we request you to refrain from using the Website or any of its services.

These T&C form a legally binding agreement between you (the user of the Website) and us (Mekay Consultants Group and/or its authorised service providers). These apply to all visitors, registered or unregistered and by using the Website, you are deemed to have read, understood and agreed to abide by them, along with all applicable laws and regulations.

1. Terms and Conditions

1.1. Mekay Consultants Group reserves the right to revise, update or modify these T&C at any time without prior written notice. Continued use of the Website after such changes shall mean your acceptance of the revised terms. Users are advised to regularly check the T&C before using the Website.

2. Purpose of the Website

2.1. Mekay Consultants Group acts as a Direct Selling Agent (DSA) for various reputed banks and Non-Banking Financial Companies (NBFCs) in India. Through eFinancialCity, users can apply for a wide range of financial products and services including, but not limited to:

  • Home Loans
  • Loans Against Property
  • Secured Loans
  • Unsecured Loans
  • Other related financial services and advisory

All offerings are subject to eligibility and approval by the respective financial institutions.

3. Eligibility to Use the Website

3.1. By using the Website, you declare and affirm that:

  • You are legally competent and eligible to enter into a valid and binding contract as per the Indian Contract Act, 1872.
  • You are not prohibited under any applicable law from using this Website

3.2. You also confirm that:

  • You are a citizen of India;
  • You are a tax resident in India;
  • You are not a tax resident or citizen of any other country.

3.3. Mekay Consultants Group reserves the right to offer services only to those Users who meet the internal eligibility criteria laid down by Mekay Consultants Group or its partner institutions. Mekay Consultants Group may change these criteria at its sole discretion, without any prior notice or obligation to inform the User.

3.4. Mekay Consultants Group reserves the right to reject or cancel any application or transaction on the Website, if it suspects that:

  • The transaction is unauthorised;
  • The user has provided false or misleading information;
  • The activity appears suspicious, fraudulent or non-compliant with applicable laws.

3.5. If you are acting on behalf of a company, firm or other business entity, you may only access and use the Website if:

  • You are duly authorised through formal corporate action;
  • You comply with any other eligibility requirements Mekay Consultants Group may specify from time to time.

4. Intellectual Property Rights

4.1. All content available on the Website—including but not limited to, text, graphics, design, layout, software, icons, images, audio clips, video clips, downloads and all other forms of content (collectively referred to as “Content”)—are the intellectual property of Mekay Consultants Group and/or its licensors. These are protected under applicable copyright, trademark and other intellectual property laws in India.

4.2. Users may access the Website and its content for personal and non-commercial use only. No part of the Website shall be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any form without prior written permission from Mekay Consultants Group

4.3. Any unauthorised use of the Website or its content may give rise to civil or criminal liability under Indian law.

5. User Responsibilities

5.1. You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of or restrict or inhibit the use of, this Website by any third party.

5.2. You shall not engage in any of the following activities:

  • Misrepresentation of identity;
  • Attempting to gain unauthorised access to any section or feature of the Website;
  • Using software tools or manual methods to “scrape” or download Website data without permission;
  • Introducing viruses, trojans or malicious codes;
  • Violating any laws applicable in India or elsewhere.

6. Third-Party Services

6.1. Mekay Consultants Group may tie up with third-party service providers to deliver some features or services on the Website. In such cases, those services may be governed by additional terms or policies as specified by the respective third party.

6.2. Mekay Consultants Group shall not be responsible for any loss or damage arising due to the use of third-party services accessed through the Website.

7. Disclaimer

7.1. Mekay Consultants Group does not guarantee that:

  • The Website will be continuously available or error-free;
  • The content is current because it will be updated from time to time only;
  • Any application submitted through the Website will be approved or acted upon in totality. It would be subject to legalities and complete paperwork only.

7.2. All decisions regarding loan or financial product approvals are solely at the discretion of the respective banks/NBFCs and Mekay Consultants Group does not influence or control their decision-making.

8. Limitation of Liability

8.1. Mekay Consultants Group shall not be liable for any direct, indirect, incidental, consequential or punitive damages arising out of your access or use of this Website.

8.2. Mekay Consultants Group assumes no liability for any delays, rejections, losses or technical errors caused by third parties including banks, NBFCs or internet service providers.

9. Indemnity

9.1. You agree to indemnify and hold Mekay Consultants Group, its FOUNDER, employees, agents and partners harmless from and against any claims, actions, demands, damages, liabilities, costs or expenses (including reasonable legal fees) arising from:

  • Your use of the Website;
  • Violation of these Terms;
  • Violation of any third-party rights.

10. Changes to Terms

10.1. Mekay Consultants Group reserves the right to modify or amend these Terms and Conditions at its discretion and such changes shall be effective immediately upon being posted on the Website.

10.2. It is your responsibility to review these Terms from time to time. Your continued use of the Website after changes means you agree to the updated terms.

11. Governing Law and Dispute Resolution

11.1. These Terms shall be governed by and interpreted in accordance with the laws of India.

11.2. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at New Delhi, India.

12. Contact Us

eFinancialCity

217, Pkt-2, Paschim Puri, New Delhi-110063
+91-9810725522 / +91-7835084159
[email protected]