Terms of Use

Last updated: 17 August 2026

These Terms of Use govern your access to and use of ridhaassociates.com (the "Site"), operated by Ridha Associates ("we", "us", "our"). By using the Site, you agree to these terms. If you do not agree, please do not use the Site.

1. About This Website

This Site is provided to give banks, NBFCs, financial institutions, and prospective employees information about Ridha Associates and its debt collection and recovery services, and to let visitors submit enquiries or job applications. Nothing on this Site constitutes a binding offer of services; any actual engagement is governed by a separate written agreement between Ridha Associates and the client.

2. Use of the Site

You agree to use the Site only for lawful purposes. You must not:

• Attempt to gain unauthorized access to the Site, its systems, or related networks
• Submit false, misleading, or fraudulent information through any form on the Site
• Use automated means (bots, scrapers) to extract content from the Site without our consent
• Interfere with the Site's normal operation or security features

3. Intellectual Property

All content on this Site — including text, graphics, logos, and design — is owned by or licensed to Ridha Associates and is protected by applicable intellectual property laws. You may view and print pages of the Site for personal, non-commercial reference, but may not reproduce, distribute, or create derivative works from Site content without our prior written permission.

4. No Professional or Financial Advice

Content on this Site is provided for general informational purposes about our services and does not constitute legal, financial, or professional advice. You should not rely on it as a substitute for consultation with qualified professionals regarding your specific circumstances.

5. Accuracy of Information

We aim to keep information on this Site accurate and current but make no warranty, express or implied, as to its completeness or accuracy. Service descriptions, figures, and case examples are illustrative and do not guarantee particular outcomes for any engagement.

6. Third-Party Services

This Site uses third-party services to operate certain features, including Formspree (form submission handling), Google Analytics (usage analytics, only after cookie consent), and WhatsApp (external chat link). These services are governed by their own terms and privacy policies, and we are not responsible for their availability or practices.

7. Careers Applications

Submitting an application through our careers form does not create any employment relationship, guarantee an interview, or guarantee an offer of employment. We review applications at our discretion and will contact you only if there is a potential match.

8. Limitation of Liability

To the fullest extent permitted by law, Ridha Associates shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site, including reliance on any information presented on it.

9. Indemnification

You agree to indemnify and hold Ridha Associates harmless from any claims, losses, or damages arising from your misuse of the Site or your violation of these Terms.

10. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes arising from your use of this Site shall be subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra.

11. Changes to These Terms

We may revise these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. The "Last updated" date above reflects the most recent revision.

12. Contact Us

Questions about these Terms can be directed to: