Terms & Conditions

1. Who you are contracting with

This website and the Bharat Kist brand are operated by LAST FLIGHT SOLUTION LIMITED ("we", "us", "our"), a Public Limited Company incorporated in India on 14 February 2026 under the Companies Act, 2013, bearing CIN U96090UT2026PLC020874 and GSTIN 05AAGCL7359E1ZF, with its registered office at Dhakia Gulaboo Road, Dhakia No. 1, Near Utkarsh Bank, Tanda Ujjain, Kashipur, Udham Singh Nagar, Uttarakhand 244713, India.

"You" means the person accessing this website or purchasing a service from us. By using this website or purchasing a service, you agree to these terms. If you do not agree with them, please do not use the website or purchase anything.

2. Who may use the service

You may use our services if you are at least 18 years old, resident in India, and legally capable of entering into a binding contract under the Indian Contract Act, 1872. We do not knowingly provide services to minors.

You are responsible for the accuracy of the information you give us. Our consulting is only as useful as the picture you give us of your circumstances; materially inaccurate or incomplete information will produce a plan that does not fit your situation.

3. What we sell — and what we are not

We sell consulting services and financial-literacy education. Specifically: scheduled consulting sessions, and the written plans and materials produced from those sessions.

Bharat Kist operates as a marketplace. We set the standards, verify and list the consultants ("Experts"), take your payment, schedule the session, handle support and complaints, and pay the Expert afterwards. The session itself is delivered by an independent Expert, not by an employee of ours. Section 4 explains what that means for you.

To be unambiguous, and because this sector contains a great deal that is not what it appears:

• We are not a bank, a non-banking financial company (NBFC), or any other regulated financial institution.
• We do not lend money, provide credit, or offer any credit facility.
• We do not accept deposits, hold client funds, or operate a wallet, an escrow or any balance on your behalf.
• We are not a loan broker, direct selling agent, aggregator or referral partner, and we receive no commission, referral fee or revenue share from any lender or financial product provider.
• We are not a credit information company or credit bureau. We have no access to your credit file and cannot add to, alter, dispute or remove anything on it.
• We do not sell insurance, securities, mutual funds or any other financial product, and we are not registered as an investment adviser.

Nothing we provide constitutes investment advice, tax advice, legal advice, or a recommendation to enter into any particular financial product or transaction.

4. Who delivers your session

Sessions are delivered by independent Experts — consultants with experience in retail lending, credit, banking, financial counselling or accountancy — who provide their services through the platform. They are not our employees or agents.

What we are responsible for. We verify every Expert before listing them; we publish their name, qualification and experience so you know who you are speaking to before you book; we set the standards they must meet; we take your payment and issue your invoice; we handle scheduling, support, complaints and refunds; and we remove Experts who fall below the standard. If something goes wrong with a session, your route is to us, not to the Expert.

How every Expert is verified. Before an Expert is listed, their mobile number, PAN and identity are verified, and a penny-drop confirms the bank account they are paid into is theirs. These checks are run through Cashfree's regulated verification suite. A person then reviews their qualification and experience by hand.

What Experts are contractually forbidden from doing. Under the Expert Partner Terms, an Expert must never recommend a specific lender or financial product, never accept a commission or referral fee from a lender, never promise you a credit score or a loan approval, and never ask you for a password, PIN, CVV, OTP or account access. If an Expert does any of these, tell us at support@bharatkist.com — it is grounds for immediate removal.

The advice itself. An Expert's guidance is their professional judgement. We select carefully and set standards, but we do not review each individual piece of advice before it reaches you, and the limits in section 9 apply.

5. No guaranteed outcomes

Your credit score is calculated by credit information companies from data reported to them by your lenders. Loan approvals, credit limits and interest rates are decided by lenders on their own criteria. Both are outside our control.

Accordingly, we make no guarantee that your credit score will improve by any amount or at all, that any loan or credit facility will be approved, that any particular interest rate will be offered, or that any specific financial outcome will result from our consulting. Any figures, calculators, simulators or examples on this website are illustrative teaching models, not quotations, valuations, credit scores, or offers of credit.

If any person offers you a guaranteed credit score, guaranteed loan approval, or the removal of accurate information from your credit report — whether or not they claim to represent us — treat it as a fraud.

6. Fees, payment and taxes

Current prices are published on our Pricing page. As at the effective date of these terms, one-off consultations are priced at ₹199 (Never Miss an EMI), ₹299 (Credit Score Consulting), ₹499 (Loan Readiness), and monthly memberships at ₹49 (Plan 49) and ₹99 (Plan 99).

All prices are in Indian Rupees (INR) and are inclusive of applicable taxes. A tax invoice is issued to you by email after every successful payment.

Payment is taken in advance, through a third-party payment gateway. We do not receive, see or store your full card details, UPI credentials or net-banking credentials; those are handled by the payment gateway under its own PCI-DSS obligations.

You pay Bharat Kist, not the Expert. We collect the fee, retain a platform fee, and pay the Expert their share after the session has been delivered and your cancellation window has closed. Your contract for payment, invoicing and refunds is with us alone. An Expert who asks you to pay them directly, or outside the platform, is breaching their agreement — please report it.

Never pay anyone in cash or to a personal account. Every legitimate payment to Bharat Kist goes through the payment gateway on this website or in our app, and every legitimate refund goes back to the method you paid with.

Memberships are billed monthly in advance from the date you join and renew automatically until cancelled. We will give you at least 30 days' notice by email before any change to your recurring fee, and you may cancel before it takes effect.

7. How services are delivered

Consulting sessions are delivered remotely by a verified Expert, over a scheduled telephone or video call, in English or Hindi. A session lasts approximately 45–60 minutes. The written plan arising from a session is sent by email, normally within two working days of the session.

We will tell you which Expert you are booked with, along with their qualification and experience, before the session. If an Expert becomes unavailable we will offer you another Expert or a new time; if neither suits you, you may have a full refund.

Services are delivered digitally. Nothing is shipped, and there is no physical delivery component.

Sessions may be rescheduled by either side with at least 24 hours' notice. If we have to reschedule at shorter notice, you may choose a new time or a full refund of that session.

8. Your responsibilities

You agree to:

• give us accurate information about your commitments, and tell us when they change;
• make your own decisions about borrowing and repayment — our role is to inform them, not to make them;
• pay your lenders directly. We never handle instalment money, and we cannot pay a lender on your behalf;
• never share a password, PIN, CVV, OTP or net-banking credential with us or anyone claiming to represent us. We will never ask for these, and we have no legitimate use for them;
• use the website and materials for your own personal purposes, and not resell, republish or redistribute our written plans or materials.

9. Intellectual property

The website, its design, text, graphics, calculators, and the written plans and materials we produce are owned by Last Flight Solution Limited or licensed to us, and are protected by Indian and international copyright law.

The written plan produced from your session is provided for your own personal use. You may keep it, print it and share it within your household. You may not resell it, publish it, or use it to provide a competing service.

10. Limitation of liability

Our services are provided in good faith and with reasonable professional care, but they are educational and advisory in nature. Decisions about your money remain yours.

To the maximum extent permitted by law, our total aggregate liability to you arising out of or in connection with the services — whether in contract, tort, or otherwise — is limited to the total fees you have actually paid us in the twelve months preceding the event giving rise to the claim.

We are not liable for indirect or consequential loss, for loss arising from a lender's decision, from a credit information company's calculation, from information you gave us that was inaccurate or incomplete, or from your decision not to follow a plan we provided.

As a marketplace, we are responsible for verifying and standard-setting for the Experts we list, for taking your money and refunding it where this contract requires, and for handling your complaint properly. We are not liable for an Expert's independent professional judgement beyond that. This does not limit your rights under the Consumer Protection Act, 2019, and it does not let us avoid dealing with a complaint about a session sold through our platform — that remains ours to resolve.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or for death or personal injury caused by negligence.

11. Suspension and termination

You may stop using the website at any time and cancel a membership as described in our Refund & Cancellation Policy.

We may suspend or terminate your access, with notice where reasonably practicable, if you breach these terms, if you abuse or threaten our staff, if you use the service for an unlawful purpose, or if a payment is charged back or reversed without cause. Where we terminate without fault on your part, we will refund the unused portion of any prepaid period.

12. Changes to these terms

We may update these terms from time to time. The effective date at the top of this page always reflects the current version. Where a change materially affects your rights, we will tell you by email at least 30 days before it takes effect, and you may cancel before it does.

13. Governing law and jurisdiction

These terms are governed by the laws of India. Subject to the grievance process described below, the courts at Kashipur, Uttarakhand have exclusive jurisdiction over any dispute arising out of them.

We would much rather resolve a problem than litigate one. Please raise it with support first, and escalate to our Grievance Officer if support has not resolved it.

Contact

Questions about this document should go to support@bharatkist.com, or by post to Last Flight Solution Limited, Dhakia Gulaboo Road, Dhakia No. 1, Near Utkarsh Bank, Tanda Ujjain, Kashipur, Uttarakhand 244713, India. You can also call +91 96399 09965 during Monday to Saturday, 10:00 AM – 7:00 PM IST.

Unresolved complaints may be escalated to Saurabh Chaudhary, Grievance Officer & Managing Director, at support@bharatkist.com. Grievances are acknowledged within 48 hours and we aim to resolve them within 15 working days.