Policies and company information

1. About us

Fastrack Financial Solutions LLP (LLPIN: ACW-7725; GSTIN: 19AALFF2427R1ZR) is a limited liability partnership with its registered office at Poddar Court, Rabindra Sarani, Kolkata, West Bengal. It carries on its MSME advisory business under the brand name "Badho MSME".

"Badho MSME" is a brand name only. It is not a separate legal entity. Every agreement, invoice, payment and obligation relating to the services described on this website is with Fastrack Financial Solutions LLP.

The advisory desk is led by CA Binit Kandoi, a Chartered Accountant with 25+ years of experience in finance, credit and MSME advisory.

Services

• Working capital advisory: structuring cash credit, overdraft, term loan, invoice discounting and supply chain finance proposals, and preparing the file for the lender.
• MSME schemes: identifying central and West Bengal schemes and subsidies and supporting the application.
• Virtual CFO: monthly MIS, cash-flow and credit-readiness support.
• Project reports and registrations: project reports, CMA data and MSME-related registrations.
• Consultations: a free Guruship consultation and paid one-to-one online advisory calls of 15, 30 and 45 minutes. See consultation plans.

What we are not

We provide advisory and documentation services only. We are not a bank, a non-banking financial company, a lender or a government body. We do not lend money, accept deposits, sanction or disburse loans, or take credit decisions. We do not guarantee that any loan, scheme, subsidy or registration will be approved.

3. Pricing details

All fees are in Indian Rupees (INR). All fees shown on this website are exclusive of GST. GST at 18% is charged in addition. The total amount payable, including GST, is shown on the payment page or in the engagement letter before you pay. A tax invoice or receipt is issued for each payment.

• Online payments are processed by Razorpay (UPI, cards, net banking, wallets). We do not see or store your card, UPI PIN or bank login details.
• Third-party and government charges, where any, are told to you in advance.
• Fees may change from time to time. The fee shown when you pay, or stated in your engagement letter, is the fee that applies to you.
• The current price of each service is shown on its card on this website and again at checkout, before you pay. If it differs from the table above, the price shown at checkout applies.
• Paid plans (where offered) give access to the resources and benefits described at checkout for the period shown there. They do not renew automatically.
• “Working days” on this page means Monday to Saturday, excluding public holidays observed by our office in Kolkata.

4. Terms and conditions

Please read these terms carefully. By accessing this website, booking a session, making a payment or using any service, you agree to be bound by them. If you do not agree, do not use the website or the services.

1. Parties and meaning of "we". The services are provided by Fastrack Financial Solutions LLP (LLPIN ACW-7725), Kolkata ("Fastrack", "we", "us"), which carries on business under the brand name "Badho MSME". Badho MSME is a brand name only and not a separate legal entity. "You" means the person or business that uses the website or buys a service, and any person acting on its behalf. You confirm that you are at least 18 years old and, if you act for a business, that you are authorised to bind it.
2. Scope of services. We provide advisory, documentation and compliance-support services only, limited to what is expressly agreed in writing (the booking confirmation, payment page, invoice or engagement letter). We have no duty to do anything outside that scope. Where an engagement letter is signed, it prevails over these terms to the extent of any conflict.
3. No guarantee of outcome. We do not promise, assure or guarantee that any loan, credit limit, interest rate, scheme, subsidy, registration, licence or other benefit will be sanctioned, approved, released or renewed, or that any particular timeline, amount or result will be achieved. All such decisions are taken independently by the lender, authority or other third party concerned, and we have no control over them. Statements, figures, track-record claims and testimonials on the website relate to past engagements, are for general information only, and are not a representation or guarantee of future results.
4. Not a regulated financial institution. We are not a bank, NBFC, lender, deposit-taker, investment adviser or government body. We do not lend money, accept deposits, take credit decisions or collect loan repayments. Unless expressly stated in a signed written agreement, we do not act as your agent, representative, guarantor or fiduciary, and you must not treat any communication from us as such.
5. Not audit, legal, tax or investment advice. Unless you have separately engaged us in writing for that purpose, nothing on the website or said in a call, session, message or calculator is an audit, attestation, legal opinion, formal tax opinion, or investment advice. You should take independent professional advice on your specific facts before acting. Laws, scheme terms, thresholds, rates and due dates change often, and you are responsible for verifying them with the official source.
6. Your information and documents. Our work depends entirely on what you tell us and the documents you give us. You warrant that all information and documents you provide are true, complete, accurate, genuine, current and lawfully obtained, and that you have the right to share them. We do not audit or independently verify them, and we are not responsible for any outcome arising from information that is false, incomplete, outdated or forged. We may refuse or stop work, without refund of fees for work already done, if we suspect any misstatement, illegality or non-cooperation.
7. Your decisions and responsibility. You alone decide whether to apply for, accept, sign or act on any loan, facility, scheme, registration or advice. You must read and understand every application, agreement, sanction letter, declaration and filing before you sign or submit it, and you are solely responsible for what you sign, submit, repay, comply with and disclose. Submissions are made in your name, and you remain responsible for their contents and for all dealings with lenders and authorities.
8. Legal compliance. You will use the services only for lawful purposes and in compliance with applicable law, including laws on anti-money laundering, KYC, taxation, banking and fair dealing with lenders. We may decline, suspend or end any engagement, and share information with authorities, where we believe it is required by law or necessary to prevent fraud or illegality.
9. Fees, payment and taxes. Fees are as described under Pricing details, payable in advance for fixed-fee sessions or as set out in the engagement letter. Fees are exclusive of GST and other taxes unless stated otherwise. Unless stated otherwise in writing, fees are payable for our work regardless of the outcome of any application, and are not conditional on any sanction or approval. You must pay without set-off or deduction. Online payments are made through Razorpay and are also subject to Razorpay's terms. We may suspend work for non-payment.
10. Cancellation and refunds. These are governed exclusively by the Cancellation and refund policy on this page, which forms part of these terms.
11. Third-party fees. If we receive any fee or commission from a lender or other third party in connection with your matter, we will tell you before you proceed.
12. Confidentiality and consent to share. We keep your business and financial information confidential. You authorise us to share it with the lenders, banks, authorities and service providers that you ask us to approach or that are reasonably necessary to carry out the agreed work, and we may also disclose it where required by law. You are responsible for obtaining any consent needed from other individuals whose information you give us. Our Privacy policy also applies.
13. Calculators, tools and website content. The calculators, quizzes, checklists, scanners, guides and other content on the website give indicative results only, are provided "as is" and "as available", and are not an offer, sanction, quote or advice on your specific case. We do not warrant that the website will be uninterrupted, secure, error-free or current. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose and non-infringement.
14. Intellectual property. The website, its content, design, tools, trade names and brand, and the reports and documents we prepare, are owned by us or our licensors. Documents prepared for you are for your own internal business use for the purpose for which they were prepared. You may not copy, resell, republish, scrape, reverse engineer or commercially exploit any of it without our prior written permission.
15. Acceptable use. You must not misuse the website, interfere with its operation, attempt unauthorised access, submit false or unlawful content, or use it in any manner that infringes the rights of others.
16. Accounts. You may create a free account on badhomsme.com with your email and a password, or with your Google account. You must give true details, keep your password private and not share your account, and you are responsible for activity under it. Accounts for advisory clients may be created by our team; you then set your own password through a one-time link, and our staff never see your password. We may suspend or close an account that is misused, shared, or used to copy or redistribute our material. You may delete your account at any time from My Account > Profile & security.
17. Buying without an account. You may buy a service on this website without logging in. You must give a correct name, email and mobile number, because we use them to confirm the payment and deliver the service. If you later create an account with the same email, the purchase is added to it.
18. Paid plans and member resources. Where we offer a paid plan, it gives access to the resources and benefits described at checkout for the period purchased. Paid plans do not renew automatically; we remind you before they end. Resources are general information for your own business use and may not be shared, resold or published.
19. Work with a delivery period. For project reports, Virtual CFO assignments and registrations, the delivery period stated for that service starts on the day we receive your completed details form and the documents asked for, and is counted in working days. Finished work is sent to you on WhatsApp or by email. Delays caused by missing information, third-party portals or authorities do not count towards the delivery period.
20. Files you upload. Files you upload to your account must be your own or ones you are authorised to share, no larger than 20 MB each, and free of malware.
21. Reports in your account. Reports prepared for a client are confidential to that client. After an engagement ends, they stay available in your account for 30 days and are then archived; copies can be requested from your advisor.
22. Booking a consultation. After payment you choose your slot on badhomsme.com from the times shown (at least 24 hours ahead and up to 30 days ahead). The call happens on Google Meet; the link and calendar invite are emailed to you, with reminders one day and one hour before. You can reschedule or cancel from the link in your email up to 12 hours before the slot. A free consultation (Guruship) is limited to one open booking per mobile number.
23. The MSME Club (the Badho MSME Membership). Membership of The MSME Club is sold as an annual plan or a 30-day pass and starts on the day of payment. It does not renew automatically; we remind you before it ends. Benefits are those listed in My Account at the time of purchase and may include: a monthly Members Live session, one 1:1 consultation (15 minutes) in each calendar quarter, which lapses if not used in that quarter, filing-date reminders, schemes matched to your profile, a CC/OD rate review and priority WhatsApp support. Reminders are a convenience: statutory deadlines remain your responsibility, and you should verify any date extension on the official portal. An early-bird price applies only while early-bird seats are available and before the early-bird end date shown; if you renew before your membership ends, the price you paid continues for that renewal. Membership is personal to the account holder and its sessions and resources may not be shared or recorded.
24. Loan enquiries and our role. Badho MSME is not a bank, NBFC or lender, and does not take deposits or lend money. For loans, we act as a Direct Selling Agent (DSA) / loan facilitator with banks and NBFCs and may receive a commission from the lender on loans they sanction; we will tell you which lender your file goes to before we submit it. Any professional fee for preparing your file is agreed with you in writing before work starts and is payable only on sanction. The lender alone decides whether to lend, how much, the interest rate, fees and security, and we do not guarantee any sanction, amount or rate. Estimates shown on our loan page are indicative and are not an offer. We will never ask for your OTP, UPI PIN, card details or net-banking password, and no one from Badho MSME will ask you to pay money to a personal account to “get a loan approved”.
25. Indemnity. To the fullest extent permitted by law, you will indemnify and hold harmless Fastrack, its partners, designated partners, employees, associates and representatives from and against all claims, demands, proceedings, losses, liabilities, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: (a) any information or document you supply; (b) your breach of these terms or of any law; (c) your acts or omissions, or your dealings with any lender, authority or third party; or (d) any claim by a third party relating to your use of the services.
26. Limitation of liability. To the fullest extent permitted by law: (a) we are not liable for any indirect, incidental, special, punitive or consequential loss, or for any loss of profit, revenue, business, goodwill, opportunity, credit facility, subsidy or anticipated savings, however arising; (b) we are not liable for any act, omission, delay, rejection, charge, penalty, recall, rate change or decision of any lender, authority, bank, payment provider or other third party, or for failure of any third-party system or service; and (c) our total aggregate liability for all claims arising out of or relating to a service, whether in contract, tort (including negligence), statute or otherwise, will not exceed the fees actually received by us for that specific service. Nothing in these terms excludes or limits liability for fraud or wilful misconduct, or any liability that cannot lawfully be excluded or limited.
27. No partnership or agency. Nothing in these terms or our dealings creates a partnership, joint venture, agency, employment or fiduciary relationship between you and us.
28. Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disaster, epidemic, fire, strike, war, riot, government or regulatory action or change in law, bank, portal or network outage, power or internet failure, or failure of third-party systems (including GST, MCA, Udyam and lender portals, Razorpay, Google and WhatsApp).
29. Notice of claim and opportunity to remedy. Before starting any legal proceeding against us, you must send us a written notice describing the claim in reasonable detail within 30 days of becoming aware of it, and give us at least 30 days from receipt to remedy it.
30. Dispute resolution and arbitration. The parties will first try in good faith to settle any dispute through discussion for 30 days from the written notice. Any dispute that is not settled will be finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by mutual consent (or, failing agreement within 15 days, by the court of competent jurisdiction). The seat and venue of arbitration will be Kolkata, the language will be English, and the award will be final and binding. Subject to this, the courts at Kolkata, West Bengal have exclusive jurisdiction over any matter that goes to court, including interim relief and enforcement. This clause does not take away any right or remedy that applicable law (including the Consumer Protection Act, 2019) gives you and that cannot be waived by agreement.
31. Governing law. These terms and all dealings between you and us are governed by the laws of India.
32. Electronic communication and records. You consent to our contacting you by phone, SMS, email and WhatsApp about your enquiry or engagement. Electronic records, messages, call logs, booking and payment records maintained by us or our service providers are valid evidence of the dealings between us.
33. Subcontracting and assignment. We may engage associates, professionals and service providers to deliver the services, and we remain responsible for the engagement to the extent stated in these terms. You may not assign or transfer your rights or obligations without our written consent. We may assign these terms to a successor of our business.
34. General. These terms, together with the Privacy policy, the Cancellation and refund policy and any engagement letter, are the entire agreement between you and us on the subject. If any provision is held invalid or unenforceable, the rest remains in force and the provision will be enforced to the maximum extent permitted. Our failure to enforce any right is not a waiver. Clauses that by their nature should survive termination (including those on fees, indemnity, limitation of liability, confidentiality, intellectual property and dispute resolution) will survive.
35. Changes. We may revise these terms at any time by posting the updated version on this page with a new "last updated" date. Your continued use of the website or services after that date means you accept the revised terms. The version in force on the date you book or pay applies to that purchase.
36. Notices. Notices to us must be sent in writing to Fastrack Financial Solutions LLP, Flat No. 18, Poddar Court, Rabindra Sarani, Kolkata – 700001, West Bengal, with a copy to contact@badhomsme.com.

5. Privacy policy

Fastrack Financial Solutions LLP ("we") is the data fiduciary for the personal data described below. We handle it in line with the Digital Personal Data Protection Act, 2023 and, as applicable, the Information Technology Act, 2000 and the rules under it. By using the website or giving us your information, you consent to its use as described here.

What we collect

• Contact details: name, mobile number and email address, when you message us, book a session or pay.
• Business details: business name, turnover range and what you need help with.
• Documents: financial statements, returns, KYC and similar papers, only when you engage us and share them.
• Payment details: Razorpay processes your payment. We receive your name, contact details, payment ID, amount and payment status. We do not receive or store your card number, UPI PIN or bank credentials.
• Messages: the content of WhatsApp messages, emails and calls with us.
• Booking data: your name, email, mobile number and chosen slot. Bookings are made on badhomsme.com and the event is created in our Google Calendar (contact@badhomsme.com) with a Google Meet link; you are added as a guest.
• Loan enquiries: the answers you give on our loan page (purpose, amount, turnover, business details, collateral, credit score band, repayment record, name, mobile, city and email). Your answers are saved from the step where you give your mobile number and agree to be contacted, even if you do not finish the form.
• Collaboration requests: your name, organisation, social media handle and link, audience size, your proposal, mobile number, email and city, used only to reply to your request.
• Membership: the filing details you choose to give (GST filing type, TDS, company or LLP, audit) and your own reminder dates, used only to send you reminders.
• Account details: if you create an account, your name, username, email, mobile number, business name and, if you choose, sector, state and turnover band. If you sign in with Google, we receive your name, email and profile photo from Google, never your Google password. Passwords are handled by Google Firebase; we never see them.
• Account activity: tools and results you save, your purchases, the date of your last visit, and when you open a report or view a document request from us, so our team knows what you have seen and can follow up.
• Uploads and reports: documents you upload for your advisor, and reports and file status prepared by our team.
• Advisory client records: with your agreement, your bank facilities (lender, limit, rate, renewal and stock-statement dates, and account status such as SMA classification) and your compliance due dates, so we can remind you and plan renewals. You can see these in My Account.
• Details forms: when you buy a project report, Virtual CFO service or registration, we ask you to fill a details form (Google Forms). Your answers and files are held in our Google account.
• Referral source: if you reach us through a partner’s link (for example your CA), the partner’s code.

The contact form on our home page does not store anything on this website. It opens a ready-to-send WhatsApp message that you choose whether to send.

Why we use it

• To reply to you and provide the service you asked for.
• To confirm bookings, take payments, issue invoices and send reminders.
• To send service emails (welcome, email verification, password reset, payment receipts, renewal and due-date reminders) and WhatsApp messages about your account, purchase or file, including a welcome message when you create an account.
• If you start a booking but the payment does not go through, our team may contact you once on WhatsApp or phone to help complete it. Tell us if you would rather not be contacted.
• To keep a referring partner informed of the status of your enquiry and to settle any referral fee.
• For loan enquiries: to call you about your enquiry, assess which lenders may suit you, and, only with your consent, share your file with the lender you choose.
• To meet legal duties such as GST, income tax and accounting record-keeping, and to prevent fraud.
• To improve our services and keep our systems secure.

Who we share it with

• Service providers (data processors), only as needed to run the service: Google (Firebase and Google Cloud for login, database and file storage, with account and client data stored in Mumbai, India; Google Workspace for email; Google Calendar, Meet and Forms; reCAPTCHA for spam protection; and Google Translate if you choose Hindi or Bengali), Razorpay (payments) and WhatsApp (messaging).
• Referral partners: if you came through a partner’s link, we share only the status of your enquiry with that partner, never your documents or reports.
• Lenders, banks and authorities: with your authorisation for your matter, or where the law requires.
• Our partners, staff and associates working on your file, who are bound by confidentiality.

We do not sell your personal data.

How long we keep it

• Account data: while your account is active. If you delete your account, your login, profile, saved results and reports are removed from the portal.
• Documents you upload: deleted automatically one year after your engagement ends. Please keep your own copies.
• Client reports: available in your account for 30 days after an engagement ends, then archived.
• Payment, invoice and accounting records: kept for the periods required under GST, income-tax and other laws, even if you delete your account.
• Loan enquiries you did not finish: deleted automatically after 90 days.
• Collaboration requests (from our “Want to collab?” form): deleted 180 days after we close them.
• Loan enquiries and files: for as long as needed to process your loan and for the period required by our agreements with lenders and applicable law.
• Everything else: for as long as needed to provide the service and for our records, after which we delete it or make it anonymous.

Security

We use reasonable safeguards, such as access limited to people who need it and the secure systems of the providers named above. Access to client data in our portal is limited to authorised staff, and staff actions are logged. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Cookies and tracking

This website does not use advertising or analytics trackers. Your browser stores a small amount of data (local storage and cookies) to keep you logged in, remember your language choice, keep a result you asked to save until you log in, and remember a partner’s referral code for 60 days. Our login and sign-up pages use Google reCAPTCHA, which checks that requests come from a real browser; Google’s Privacy Policy and Terms apply to it. The website loads fonts from Google Fonts, and if you choose Hindi or Bengali, page text is translated by Google Translate; Google may receive your IP address and browser details. The Razorpay checkout and the Google booking page are run by those providers under their own policies.

Your rights

Under the DPDP Act you may ask us what personal data we hold about you, ask us to correct or update it, ask us to erase it (where we have no legal duty to keep it), withdraw your consent, and have your grievance addressed. If you have an account, you can see and edit most of your details yourself in My Account > Profile & security, and delete your account there. Email contact@badhomsme.com with the subject "Privacy request". If you are not satisfied with our response, you may approach the Data Protection Board of India as provided under the Act. Withdrawing consent may mean we can no longer provide a service.

Children

Our services are meant for business owners and are not directed at anyone under 18.

Changes

We may update this policy. The version on this page, with its "last updated" date, applies.

6. Cancellation and refund policy

Our services are professional services delivered online, so the rules depend on whether the session or work has already been delivered.

How to ask for a refund or cancellation

1. Email contact@badhomsme.com or message us on WhatsApp with your name, mobile number, payment ID and the reason.
2. We confirm whether the request is accepted within 2 business days.
3. Approved refunds are made to the original payment method within 5 to 7 business days of approval. Your bank may take a few more days to show the credit.

Refunds are made only through the original payment method. We do not refund in cash, and we never ask you to share card or bank details to receive a refund.

7. Shipping and delivery policy

Fastrack Financial Solutions LLP (Badho MSME) provides digital, online services only. Nothing is physically shipped, so there are no shipping charges.

• Consultation sessions: held online on Google Meet. The meeting link is sent to the email address you give when you book, and may also be shared on WhatsApp.
• Reports, sheets and documents: delivered electronically by email, WhatsApp or a shared folder, within the timeline stated when you buy or in your engagement letter. Timelines depend on the documents and information you provide and on third-party portals and offices.
• Service area: India, delivered online.
• Project reports, Virtual CFO work and registrations bought on this website: delivered within the delivery period shown for that service, counted in working days from the day we receive your completed details form and documents. Finished files are sent on WhatsApp or by email.
• Paid plans and resources: available in My Account as soon as the payment is confirmed.
• Hard copies: only on request, with courier charges paid by you at actuals.
• If you have not received something, check your spam folder first, then contact us and we will resend it.

8. Disclaimer

The information and tools on this website are for general guidance. They are not a loan offer, a sanction, or a substitute for professional advice on your specific facts. Scheme terms, eligibility, rates, fees and due dates are set by the authorities concerned and change often, so confirm them with the official source before you act.

Fastrack Financial Solutions LLP and its brand Badho MSME are not a bank, NBFC or government body, and are not affiliated with any government department, bank or lender. References to schemes such as CGTMSE, MUDRA, PMEGP and others describe publicly available programmes run by their respective authorities. Names and logos of third parties, if any, belong to their owners.