Last updated: July 2026

1. About This Website

This website (dineshkotadiya.in) is operated by Dinesh Kotadiya, an AMFI-registered Mutual Fund Distributor (ARN-307238) operating under MD Financial Services. It is provided for educational and informational purposes and to help visitors understand loan and investment options available through Dinesh Kotadiya’s referral and distribution services.

2. Not Investment or Legal Advice

Content on this website, including videos, articles, calculators, and blog posts, is for general educational purposes only and does not constitute investment, legal, tax, or financial advisory advice specific to your situation. Any calculators provided (SIP, EMI) produce illustrative estimates only, based on assumptions you enter, and are not guarantees of actual returns or repayment terms.

3. Mutual Fund Distribution

Dinesh Kotadiya (ARN-307238) acts as a distributor of mutual fund schemes and is compensated by way of commission from the respective Asset Management Companies (AMCs). Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.

4. Loan Referral Services

Where this website refers you to a lending partner (bank or NBFC), Dinesh Kotadiya / MD Financial Services acts as a Direct Selling Agent (DSA) or referral facilitator only. Loan approval, sanctioned amount, interest rate, and tenure are determined solely by the respective lending partner, at their discretion, based on their own credit policies. We do not guarantee approval of any loan application.

5. Use of This Website

• You agree to use this website only for lawful purposes and not to misuse any form, calculator, or contact channel provided here.
• Content, design, and calculators on this site are the property of Dinesh Kotadiya / MD Financial Services and may not be copied or reproduced without permission.
• We may update, modify, or remove content on this website at any time without prior notice.

6. Third-Party Links

This website links to third-party platforms including YouTube, Instagram, Facebook, LinkedIn, X, and WhatsApp. We are not responsible for the content, policies, or practices of these third-party platforms once you leave this website.

7. Limitation of Liability

Dinesh Kotadiya and MD Financial Services shall not be liable for any direct, indirect, or consequential loss arising from decisions made based on information provided on this website, including but not limited to investment or borrowing decisions. Always verify current rates, terms, and eligibility directly with the concerned AMC or lending partner before proceeding.

8. Governing Law

These Terms of Service are governed by the laws of India. Any disputes arising from the use of this website shall be subject to the jurisdiction of the courts in Surat, Gujarat.

9. Contact

For questions about these terms, write to info@dineshkotadiya.in.