Terms of Service & Terms and Conditions

Last Updated: 25th September 2026

Welcome to ScaleX MSME (“ScaleX MSME”, “we”, “us”, or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, services, consultations, funding facilitation, financial advisory, strategic consulting, and related business support services.

By accessing our website or engaging our services, you acknowledge that you have read, understood, and agreed to these Terms.

1. About Our Services

ScaleX MSME provides business and financial support services designed primarily for Micro, Small and Medium Enterprises (MSMEs).

Our services may include:

• MSME funding facilitation
• Working capital funding assistance
• CGTMSE-related funding facilitation
• Unsecured bridge financing assistance
• Project funding assistance
• Agri Infrastructure Fund (AIF) funding assistance
• Government scheme and subsidy facilitation
• Structured capital and corporate debt syndication
• Financial restructuring and risk-mitigation support
• Balance-sheet improvement and financial readiness
• SME-IPO and capital-market readiness advisory
• Business strategy and growth consulting
• Management and implementation support
• Other financial, strategic, or business advisory services agreed with the client

The exact scope of services provided to a client will depend on the engagement agreed between the client and ScaleX MSME.

2. No Guarantee of Funding or Approval

ScaleX MSME may assist clients in identifying, preparing for, structuring, and facilitating funding opportunities.

However, we do not guarantee the approval, sanction, disbursement, amount, interest rate, tenure, subsidy, grant, investment, or any other outcome of a funding application.

Final decisions are made by the relevant:

• Bank
• NBFC
• Financial institution
• Government authority
• Investor
• Fund
• Stock exchange
• Other applicable funding or regulatory institution

Approval may depend on factors including financial performance, credit history, collateral, banking relationships, eligibility, documentation, regulatory requirements, lender policies, and other factors beyond our control.

3. Client Eligibility & Information

Clients are responsible for providing complete, accurate, current, and authentic information.

Depending on the service, we may request:

• Financial statements
• Bank statements
• Income-tax and GST information
• Company registration documents
• Existing loan details
• Credit information
• Project reports
• Business plans
• Promoter/director information
• Statutory and regulatory documents
• Other documents reasonably required for evaluation

You agree not to knowingly provide false, misleading, incomplete, forged, or fraudulent information.

Any decision or recommendation made based on inaccurate information may be affected by such information.

4. Client Responsibilities

The client agrees to:

1. Provide accurate and complete information.
2. Provide requested documents within reasonable timelines.
3. Cooperate with our team and relevant institutions.
4. Respond to queries relating to funding or advisory requirements.
5. Ensure that information and documents supplied are legally obtained and authorized for sharing.
6. Disclose material changes in financial or business circumstances.
7. Comply with applicable laws and regulations.
8. Make payments for agreed professional services within the agreed timelines.

Delays or failure to provide required information may affect the delivery of services.

5. Professional & Advisory Services

Our strategic, financial, management, restructuring, and business recommendations are based on the information and circumstances available to us at the time of providing the advice.

Business decisions ultimately remain the responsibility of the client.

Our services should not be interpreted as a guarantee of:

• Business growth
• Profitability
• Funding approval
• Investment returns
• Debt reduction
• Revenue growth
• IPO listing
• Valuation increase
• Government subsidy approval
• Any particular commercial outcome

6. Government Schemes & Subsidies

ScaleX MSME may assist clients in understanding or accessing applicable government schemes, grants, subsidies, and financing programs.

Eligibility, benefits, documentation, approval, subsidy amount, timelines, and applicable conditions are determined by the relevant government authority or implementing institution.

We do not guarantee approval or receipt of any government benefit.

7. SME-IPO & Capital Market Advisory

Where applicable, ScaleX MSME may assist businesses in preparing for potential SME-IPO or capital-market opportunities.

Such services may include strategic planning, financial readiness, business structuring, documentation support, and coordination with relevant professionals.

An IPO or listing is not guaranteed. Any listing or capital-market transaction remains subject to applicable laws, regulatory requirements, eligibility criteria, due diligence, market conditions, professional advisors, and approval by the relevant authorities and institutions.

8. Fees & Payments

Fees for our services will be communicated to the client before or during engagement.

Depending on the engagement, fees may include:

• Consulting fees
• Professional fees
• Advisory fees
• Project fees
• Retainer fees
• Success-based or facilitation fees, where legally permissible and contractually agreed
• Applicable taxes and statutory charges

Unless otherwise agreed in writing, invoices are payable within the agreed payment period.

Third-party costs, government fees, professional charges, statutory fees, banking charges, legal fees, valuation fees, or other external expenses may be payable separately by the client where applicable.

9. No Unauthorized Representation

Clients must not represent themselves as employees, agents, partners, representatives, or authorized officials of ScaleX MSME unless expressly authorized in writing.

Similarly, no employee, consultant, representative, or third party is authorized to make commitments on behalf of ScaleX MSME beyond their stated authority.

10. Confidentiality

We recognize that clients may provide confidential financial, commercial, operational, and strategic information.

We will take reasonable measures to maintain confidentiality and use such information primarily for providing the agreed services, subject to:

• Client authorization
• Legal requirements
• Regulatory requirements
• Requirements of relevant financial institutions
• Professional and service-provider obligations

Information may be shared with relevant banks, NBFCs, investors, advisors, consultants, government authorities, or other institutions where reasonably necessary for delivering the requested service and/or where authorized by the client.

11. Third-Party Services

Our services may involve coordination with third parties such as:

• Banks
• NBFCs
• Investors
• Government agencies
• Chartered accountants
• Company secretaries
• Lawyers
• Merchant bankers
• Valuers
• Credit-rating agencies
• Technology providers
• Other professional or financial institutions

ScaleX MSME is not responsible for independent decisions, actions, delays, policies, fees, or services provided by such third parties.

12. Website Content

Information published on our website is intended for general informational purposes.

While we aim to keep information accurate and useful, we do not warrant that all website content will always be:

• Complete
• Current
• Accurate
• Error-free
• Applicable to every business

Specific financial or business decisions should be based on the client’s individual circumstances and appropriate professional advice.

13. Intellectual Property

Unless otherwise stated, the website and its content, including:

• Text
• Graphics
• Branding
• Logos
• Designs
• Documents
• Frameworks
• Original materials
• Website layout

are owned by or licensed to ScaleX MSME and are protected by applicable intellectual-property laws.

You may not reproduce, modify, distribute, republish, sell, or commercially exploit our proprietary materials without prior written permission.

14. Prohibited Use

You agree not to use our website or services to:

• Provide fraudulent information
• Submit forged or manipulated documents
• Misrepresent financial or business information
• Engage in unlawful activities
• Attempt unauthorized access to our systems
• Introduce malicious software
• Interfere with website functionality
• Misuse our brand or intellectual property
• Use our services for activities prohibited by applicable law

We reserve the right to refuse or discontinue services where we reasonably believe there has been misuse or unlawful activity.

15. Limitation of Liability

To the extent permitted by applicable law, ScaleX MSME shall not be liable for indirect, incidental, consequential, special, or commercial losses arising from:

• Funding rejection
• Loan delays
• Changes in lender policies
• Government policy changes
• Market conditions
• Business losses
• Investment losses
• Loss of anticipated profits
• Actions of third-party institutions
• Client-provided inaccurate information
• Events beyond our reasonable control

Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.

16. Indemnification

You agree to indemnify and hold ScaleX MSME, its partners, employees, consultants, and representatives harmless from claims, losses, liabilities, damages, costs, or expenses arising from:

• False or misleading information supplied by you
• Fraudulent or unlawful activities
• Breach of these Terms
• Unauthorized use of our services
• Violation of third-party rights
• Misuse of documents or information supplied by us

17. Termination

Either party may terminate an engagement subject to the terms of the applicable service agreement.

ScaleX MSME may suspend or terminate services where:

• Required information is not provided
• Payments remain overdue
• False or fraudulent information is identified
• The engagement becomes unlawful or impractical
• The client breaches these Terms
• Continued engagement creates legal, regulatory, or reputational concerns

Termination does not automatically eliminate payment obligations already incurred.

18. Force Majeure

We shall not be responsible for delays or failure to perform obligations caused by circumstances beyond our reasonable control, including:

• Natural disasters
• Government actions
• Regulatory changes
• Banking disruptions
• Technology failures
• Cyber incidents
• Strikes
• Civil disturbances
• Pandemics
• Internet or telecommunications failures
• Other unforeseen events

19. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, store, and protect personal and business information.

20. Changes to These Terms

ScaleX MSME may modify these Terms from time to time to reflect changes in our services, business practices, technology, or applicable laws.

Your continued use of our website after changes are published constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

21. Governing Law & Jurisdiction

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

Subject to any applicable dispute-resolution provisions contained in a separate written engagement or service agreement, disputes shall be subject to the jurisdiction of the competent courts having jurisdiction over [Bengaluru, Karnataka, India].

22. Contact Us

For questions regarding these Terms, our services, or your engagement with ScaleX MSME, please contact:

ScaleX MSME
Email: hello @ scalexmame.com
Phone: +91 96064 79193
Address: Bengaluru, Karnataka, India
Website: https://scalexmsme.com/

Important Note

These Terms are a general website/service Terms & Conditions template for ScaleX MSME. Before publishing, replace the placeholders and have an Indian lawyer review the final version—particularly the clauses covering funding facilitation fees, financial advisory activities, liability, jurisdiction, data protection, and regulatory compliance.