Terms & Conditions

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Komma Consultancy

www.kommaconsultancy.com

This policy is created specifically for Komma Consultancy and may not be reproduced, copied, or reused without prior written permission.

1. Introduction

Komma Consultancy provides study abroad consultancy, admission assistance, English proficiency guidance, visa support, education loan assistance, insurance facilitation, and tourism & travel-related services. By accessing this website or availing services, you agree to these Terms & Conditions.

2. Eligibility

Users must be 18 years or older. Minors must act through a parent or legal guardian.

3. Scope of Services

Komma Consultancy acts solely as a facilitator and advisor. Final decisions rest with universities, examination bodies, embassies, immigration authorities, financial institutions, insurance companies, airlines, and other service providers.

4. English Proficiency Exams

Komma Consultancy may provide guidance or referral support for exams such as IELTS, PTE, TOEFL, Duolingo, or similar tests. We do not guarantee scores, results, or certifications. Exams are conducted by independent authorities.

5. Education Loan Assistance

Loan assistance is limited to guidance or referrals. Loan approval, terms, interest rates, and disbursement are solely decided by banks or NBFCs. Komma Consultancy does not guarantee loan approval.

6. Insurance Assistance

Insurance facilitation is provided through third-party insurers. Policy issuance, coverage, and claims are governed solely by the insurer. Komma Consultancy does not guarantee claim approval.

7. No Guarantee

We do not guarantee admissions, visas, scholarships, employment, exam results, loans, insurance coverage, or travel outcomes.

8. Client Responsibilities

Clients must provide accurate and genuine documents. Any misrepresentation may result in termination without refund.

9. Fees & Payments

Consultancy fees, success-based fees, and service charges may apply. All fees are non-refundable unless explicitly stated otherwise in writing.

10. Travel & Tourism Services

Komma Consultancy acts only as a booking facilitator. Prices may change due to third-party factors.

11. Cancellation & Refunds

Refunds are governed by Komma Consultancy's Refund Policy and applicable third-party rules.

12. Limitation of Liability

Liability is limited to fees paid to Komma Consultancy only.

13. Indemnity

Clients agree to indemnify Komma Consultancy against losses arising from false information or legal violations.

14. Termination

Services may be terminated for non-compliance, misconduct, or fraud.

15. Intellectual Property

All website content belongs to Komma Consultancy.

16. Governing Law & Jurisdiction

Governed by Indian law with jurisdiction in Vadodara, Gujarat.

17. Updates

Terms may be updated anytime.

Contact Information

If you have any questions about these Terms & Conditions, please contact us at:

  • Email: care@kommaconsultancy.com
  • Phone: +91 84601 00014
  • Address: TF-23, Phoenix Resicom, Vaikunth Circle, Waghodia Main road, Vadodara-390019

Last Updated: January 2026

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