Welcome to Gaven Services Pvt. Ltd. (“Company”, “we”, “our”, or “us”). By accessing our website, applying for a loan, or using our financial services, you (“you”, “your”, “customer”, or “user”) agree to abide by the following Terms & Conditions. Please read them carefully before proceeding.
1. General
- Gaven Services Pvt. Ltd. is a financial services provider offering home loans, business loans, loans against property, and related financial products in collaboration with banks, NBFCs, and lending partners.
- By using our services, you agree to provide accurate, complete, and truthful information. Any misrepresentation may lead to cancellation or rejection of your loan application.
- These Terms & Conditions are subject to Indian laws and regulations, including RBI guidelines.
2. Loan Application & Approval
- Submitting a loan application does not guarantee approval. The sanctioning of loans is at the sole discretion of the lender.
- Loan eligibility depends on factors such as income, credit history, CIBIL score, employment/business stability, and property valuation.
- You may be required to provide additional documents, income proof, or business proof as requested by lenders.
- Gaven Services Pvt. Ltd. only facilitates the application process. The final loan approval, amount, interest rate, and tenure are decided by the respective lending partner.
3. Eligibility
To apply for a loan through Gaven Services Pvt. Ltd., you must:
- Be an Indian resident.
- Be within the age group specified for the respective loan product.
- Meet the minimum income, CIBIL score, and business/professional requirements.
- Provide valid KYC documents, financial proof, and property documents as required.
4. Interest Rates, Fees & Charges
- Interest rates are determined by lending partners and may vary based on your profile.
- Processing fees, login fees, prepayment charges, or foreclosure fees (if applicable) will be clearly communicated before loan disbursal.
- Gaven Services Pvt. Ltd. does not levy hidden charges. All applicable fees will be disclosed transparently.
5. Data Privacy & Security
- By applying for a loan, you consent to share your personal and financial information with Gaven Services Pvt. Ltd. and its lending partners for verification and processing.
- We follow strict privacy and security protocols as outlined in our Privacy Policy.
- However, we are not responsible for data handling by third-party lenders or partners beyond our control.
6. Responsibilities of the User
- You agree to use our services only for lawful purposes.
- You must not misuse, copy, or distribute any content, forms, or loan offers available on our website.
- You are responsible for ensuring timely repayment of loans sanctioned to you. Defaulting on repayments may lead to legal action and impact your credit score.
7. Disclaimer
- Gaven Services Pvt. Ltd. is not a bank or NBFC. We act as an intermediary between customers and lending partners.
- Loan offers, approval timelines, interest rates, and disbursal are entirely controlled by the respective lenders.
- We do not guarantee that every application will be approved.
8. Limitation of Liability
- Gaven Services Pvt. Ltd. shall not be liable for any losses, delays, or damages arising out of loan processing, rejection, or disbursal by lenders.
- We are not responsible for any financial decisions made by you based on loan offers or advice.
- Our liability is limited to providing assistance in the loan application process.
9. Termination of Services
- We reserve the right to suspend or terminate your access to our services in case of fraudulent activity, misrepresentation, or violation of these Terms & Conditions.
10. Governing Law & Jurisdiction
- These Terms & Conditions are governed by the laws of India.
- Any disputes will be subject to the jurisdiction of the courts located in [Insert City, India].
11. Contact Us
For any queries, clarifications, or complaints, please contact us:
Gaven Services Pvt. Ltd.
Email: [Insert Email Address]
Phone: [Insert Contact Number]
Address: [Insert Office Address]