Terms & Conditions

1. Acceptance of Terms

Welcome to Dev Kripa Fincrop. By accessing or using our website and services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legally binding agreement between you and Dev Kripa Fincrop regarding your use of our website and services.

2. Services Description

Dev Kripa Fincrop acts as a loan distribution agent (DSA) and provides the following services:

• Personal Loan assistance and processing
• Business Loan facilitation
• Car Loan and Vehicle Loan services
• Credit Card application assistance
• EMI Card services
• Insurance product facilitation
• Bank Account opening assistance

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Have a valid identity and address proof
• Have legal capacity to enter into binding contracts
• Provide accurate and truthful information

4. User Obligations

By using our services, you agree to:

• Provide accurate, current, and complete information
• Submit genuine documents for verification
• Not misrepresent your identity or financial status
• Not use our services for any unlawful purpose
• Maintain confidentiality of any login credentials
• Promptly update any changes to your information
• Comply with all applicable laws and regulations

5. Loan Application Process

When you apply for a loan through our platform:

• Your application will be forwarded to our partner banks/NBFCs
• Approval is solely at the discretion of the lending institution
• We do not guarantee loan approval or specific interest rates
• Processing time varies based on documentation and lender policies
• Additional documents may be requested during processing

Dev Kripa Fincrop is not responsible for any loan rejection or delays caused by incomplete documentation or lender policies.

6. Fees and Charges

Regarding fees and charges:

• Processing fees may be applicable as per lender policies
• Any applicable charges will be disclosed before processing
• Interest rates are determined by the lending institution
• Late payment charges and penalties are as per lender terms

We recommend carefully reviewing all terms and conditions of the loan agreement before acceptance.

7. Intellectual Property

All content on this website, including but not limited to:

• Text, graphics, logos, and images
• Website design and layout
• Software and code
• Trademarks and service marks

are the property of Dev Kripa Fincrop or its licensors and are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

8. Disclaimer of Warranties

Our services are provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties, express or implied, regarding:

• The accuracy or completeness of information on our website
• Uninterrupted or error-free access to our services
• The results of using our services
• Loan approval or specific terms from lenders

9. Limitation of Liability

To the maximum extent permitted by law, Dev Kripa Fincrop shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from loan rejection or lender decisions
• Actions or omissions of third-party lenders or service providers
• Unauthorized access to your information due to factors beyond our control

10. Indemnification

You agree to indemnify and hold harmless Dev Kripa Fincrop, its directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your breach of these Terms
• Your violation of any applicable laws
• Your provision of false or misleading information
• Any third-party claims related to your use of our services

11. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for:

• The content or practices of third-party websites
• Any transactions you conduct with third parties
• The privacy practices of external sites

12. Modifications to Terms

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

We encourage you to review these Terms periodically for any changes.

13. Termination

We reserve the right to:

• Suspend or terminate your access to our services at any time
• Refuse service to anyone for any reason
• Remove or edit content at our sole discretion

Termination does not affect any rights or obligations that accrued prior to termination.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Madhya Pradesh, India.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Dev Kripa Fincrop regarding your use of our services and supersede all prior agreements and understandings.