Terms & Conditions
Last updated: January 2026 • Clear, fair, and transparent guidelines.
1. Nature of Services
Janakalyanalay is a consultancy, advisory, and digital facilitation centre. We provide independent assistance to individuals seeking help with credit report discrepancy identification, grievance drafting, and public digital application processes.
2. No Guarantee Policy
Janakalyanalay does not promise, guarantee, or claim to provide:
- Guaranteed credit score increases.
- Deletion or alteration of accurate, legitimate loan default records.
- Guaranteed loan or credit card approvals from any bank or NBFC.
- Assured issuance or approval of government certificates, passports, or social welfare grants.
All final decisions rest entirely with the authorized credit bureaus, lending institutions, and statutory government authorities.
3. Client Responsibilities
When seeking assistance from Janakalyanalay, you agree that:
- All documents, identity proofs, and personal declarations provided by you are authentic, true, and lawfully owned by you.
- You will not request illegal modifications, forged receipts, or misleading claims on any official grievance ticket.
- You remain solely responsible for your lawful debts and financial obligations to your lenders.
4. Advisory Fees & Payments
Any service charges for documentation assistance, typing, and consultation will be communicated upfront prior to commencing work. Official government statutory fees (e.g. passport application fees, PAN processing fees) must be paid directly to the respective portal or as per official receipt.
5. Limitation of Liability
Janakalyanalay shall not be held liable for delays caused by external portal server downtimes, credit bureau verification queues, changes in banking policy, or rejections due to false client submissions.