Terms and Conditions

These terms apply to your use of the HAP Solutions website. By using the website you agree to them. If you do not agree, please do not use the website.

1. Website content

The content on this website gives general information about the services HAP Solutions offers. It is not professional, legal, tax or financial advice, and you should not act on it without discussing your specific circumstances with us or another suitable professional.

2. Services and engagements

Submitting an inquiry does not create a client relationship. Any service is provided only after its scope, required documents, fees and timelines have been agreed with you [in writing / in an engagement letter]. Services that by law require specific professional qualifications or authorisation are provided only where applicable requirements are met.

3. No guarantees

We do not guarantee any particular outcome, including loan approval, tax savings, financial returns or business growth. Decisions on loans — including eligibility, approval, interest rates and disbursement — are made solely by the relevant lender. Decisions of government or regulatory authorities are outside our control.

4. Fees

Fees depend on the service and its scope and are quoted on request. No fees are charged for submitting an inquiry.

5. Your responsibilities

• Provide accurate information in your inquiry.
• Do not submit passwords, bank or card details through the website.
• Do not misuse the website, including by sending spam or attempting to disrupt it.

6. Third-party links

The website links to third-party services such as Google Maps and WhatsApp. We are not responsible for their content or practices, and their own terms apply.

7. Intellectual property

The HAP Solutions name, logo and website content belong to HAP Solutions unless stated otherwise and may not be reused without permission.

8. Liability

We try to keep the website accurate and available but do not promise that it will always be complete, current or uninterrupted. [Limitation of liability wording to be reviewed by a legal professional.]

9. Governing law

These terms are governed by the laws of India. [Confirm jurisdiction, e.g. the courts at Kozhikode, Kerala.]

10. Contact

Questions about these terms can be sent to hapsolutions2026@gmail.com. See also our Privacy Policy.