Terms and Conditions

Last Updated: January 2025

Welcome to Nikdha Financial Services. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Definitions

• "Company" refers to Nikdha Financial Services
• "Services" refers to loan facilitation and financial advisory services
• "User" refers to any individual accessing our website or services
• "Website" refers to our online platform and all related pages

2. Service Description

Nikdha provides loan facilitation services including but not limited to:

• Personal loan assistance
• Business loan facilitation
• Home loan processing
• Vehicle loan assistance
• Educational loan support
• Loan against property services
• Business finance solutions

Important: We are facilitators and intermediaries. Final loan approval is subject to the lending institution's discretion and their terms and conditions.

3. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information
• Update your information promptly when changes occur
• Use our services for lawful purposes only
• Maintain confidentiality of your account credentials
• Comply with all applicable laws and regulations
• Not misuse or abuse our services

4. Privacy and Data Protection

Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy. By using our services, you consent to:

• Collection of necessary personal and financial information
• Sharing information with partner banks and financial institutions
• Use of information for loan processing and related services
• Communication regarding loan status and offers

5. Disclaimers

6. Fees and Charges

Our consultation and basic services are generally free. However:

• Specialized services may incur charges as disclosed upfront
• Third-party charges (bank fees, verification costs) may apply
• Any fees will be clearly communicated before service delivery
• Payment terms will be specified for chargeable services

7. Limitation of Liability

To the maximum extent permitted by law, Nikdha shall not be liable for:

• Loan rejection by financial institutions
• Changes in interest rates or loan terms by lenders
• Delays in loan processing due to external factors
• Any indirect, consequential, or punitive damages
• Third-party actions or decisions

8. Modification of Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Continued use of our services after modifications constitutes acceptance of the updated Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in [Your City/State].