ViliKolo.com comprises three distinct business groups, each with its own unique mode of operation and delivery methods.

1. Grace Nursery & Garden:

   • Local Pickup: Customers have the option to pick up their purchases directly from our location. This service is convenient and ensures that your plants and garden products are received in pristine condition.
   • Delivery Service: We also offer a delivery service for our products. Delivery fees are calculated based on our standard delivery rates. Please refer to our website for detailed rate information and to schedule a delivery that suits your needs.

2. V. Konsultancy:

   • Digital Document Delivery: As a consultancy business, we primarily operate online. All necessary documents, reports, and consultative materials are sent electronically via email and Dropbox. This method ensures a swift and secure transfer of information tailored to your specific requirements.

3. MOM Finance:

   • Online Loan Processing and Money Transfer: Our loan scheme business operates entirely online. We process all loan applications and subsequent money transfers digitally. Once approved, funds are transferred directly to your bank account.
   • Consultation on Loan Payout Process: For detailed information on the loan payout process, including timelines and requirements, please consult the ‘Loan Payout Process’ section on our website. We ensure a transparent and efficient process for all our clients.

For more information on shipping and delivery details for each of our business groups, please contact our customer service team. We are committed to providing you with convenient and efficient services tailored to meet your specific needs.