## Terms and Conditions

### 1. Introduction

Welcome to Sriramulu Chitfunds Pltd. These Terms and Conditions govern your use of our website and services. By accessing or using our services, you agree to be bound by these terms.

### 2. Eligibility

To participate in our chit schemes, you must be a resident of India and at least 18 years of old. You must provide accurate and complete information during registration.

### 3. Chit Fund Operations

All chit fund operations are conducted in accordance with the Chit Funds Act, 1982. We ensure transparency in all auctions and dividend distributions.

### 4. Payments and Defaults

Subscribers must pay their monthly installments on or before the due date. Failure to do so may attract penalty interest as per company policy. Repeated defaults may lead to removal from the chit group.

### 5. Auctions and Prizes

Auctions are conducted monthly at our registered office or designated time. The successful bidder must provide necessary sureties and documentation to claim the prize money.

### 6. Privacy

Your personal information is handled in accordance with our Privacy Policy. We do not sell your data to third parties.

### 7. Limitation of Liability

Sriramulu Chitfunds Pltd shall not be liable for any indirect, incidental, or consequential damages arising out of the use of our services.

### 8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on the website.

### 9. Contact Information

For any queries regarding these terms, please contact us at sriramuluchitfundspltd@gmail.com.