CUSTOMER TERMS AND CONDITIONS:

1. The payment of Subscription fees is refundable only in accordance with the company's Cancellation & Refund Policy.

2. The company only takes the cost of the Subscription. No other tip of service is charged.

3. Customers can use the Subscription only for loan purposes with given benefits. Also, buying a Subscription lets you apply for a loan and it doesn’t guarantee loan approval as the final loan approval depends on the banks and the customer profile. If the loan is rejected, you can still avail other benefits of the Subscription.

4. If a customer is viewing any advertisement/promotional content of the company and then approaching the company thinking that he/she will get the loan approval based on the advertisement, then it must be noted that a loan application will only be submitted once the customer buys Indcapital’s Subscription. Even after buying the Subscription, the final loan approval depends on the bank(s) and customer profile. If the customer’s profile doesn’t match loan eligibility criteria, he/she won’t be able to get a loan. Still, they can avail other benefits of the Subscription.

5. Subscription can be used only by the persons who have purchased it and not by any other person(s), source or third party.

6. If a customer reference does payment through the customer's own referral link which is provided by the company and if that shows in the customer's portal then the only company will give the reference payout of that customer.

7. If the customer loan is approved in our company and he/she denies that loan approval then also Subscription payment would not be refundable.

8. The documents, cheques, and OTP that the company's employee asks the customer are for the processing of the loan only and the company never misuses them. Just for security, after completing the loan process, the customer can go to the concerned bank and cancel their cheque. The company is not responsible if any problems/disputes arise in the future.

9. If you do not give the OTP, documents, or document query for verification to the company's employee for the loan process, then your file will be rejected. (According to the criteria, if your file matches without OTP, your loan will be processed).

10. If our company's executive asks you for any payment transaction OTP, do not provide it. If the customer pays any charges other than the charge of the Subscription, the company won’t be responsible for the same.

11. If a customer has any queries regarding the loan process then he/she would have to contact the department where their files are in process.

12. We will verify your documents in multiple banks; so whatever documents are submitted by customers in our company that will match with any bank criteria, in that bank only we will proceed with the loan process. For example, if your file will match in 2 banks then our company's login department will login your document only in that 2 banks. The verification is done by the company's employee and there is no proof available for the same.

13. The document will be verified by the company in multiple banks. If your documents match the criteria of the bank, then the login process will be done in that bank. If your documents do not match the criteria of a bank, the company will give you a solution. You can take the solution and reapply after a certain period (as per Subscription) - and this will be shown on the customer portal.

14. It is not fixed that the customer file will be logged in only in the banks listed on the company website. It may be logged in/verified in other banks also, depending on the customer file.

15. Our company is not taking extra charges other than Subscription charges. If any third-party charges you then our company is not responsible for that.

16. There are no processing or file charges for customer loan approval. There is only one charge and that's only for the Subscription - validity as per Subscription.

17. Our company will log in customer files as per their requirements. (Example: If customer requirement is INR 1 lakh and if some bank criteria is up to INR 50,000 then we will not log in their file in that bank).

18. Wherever the customer file is logged in by the company, these details will not be given to any customer in written or digital form.

19. Loan offers and the pre-approval loans process depend only on the bank's rules and that type of loan is given only on customer behaviour. So, there is so much difference between that type of process and the company's process. If that loan is rejected in our company but gets approved by another company/source then the customer can't blame our company.

20. Loan approval depends on your profile so if your documents are perfect and as per the bank criteria then you will get a loan through our company

21. The loan information is only given to the person who has applied for the loan.

22. During the loan processing time, if any customer would not be in contact with us for 3 days, then that file will be rejected by our company.

23. If your file is rejected in our company, then the customer has to make sure that they have to re-submit their documents, with the implemented company-suggested solution, in our company after a certain period (as per Subscription).

24. The company is not responsible if the customer loan is rejected by any queries.

25. If the customer will apply for the first time but his/her loan is rejected in our company then the company will give them a reason and solution for that. So at re-applying time if the customer will not resubmit a file with the solution implemented then the file will be again rejected in our company for the same reason. Still, the final loan approval will depend on the customer profile and the bank's criteria and rules & regulations.

26. The company will provide only the reason for rejection to the customer and it would not be provided in the form of hard or soft copy - it will only be shown in the customer portal. Some banks only provide general reasons, they don't give us any specific reason so the customer should not complain about that.

27. The customer has to give correct information about their CIBIL SCORE and PROFILE. If the customer gives wrong information, then the company will not be responsible for loan rejection.

28. The company will not be providing any CIBIL REPORT in digital or hard copy to any customer in any situation.

29. Bank charges are applicable as per banks' rules and regulations.

30. The company will take legal action against the customer who submitted fake documents. And the company won’t take any responsibility for the loan process in this case.

31. After the customer’s file is logged in, the customer has to contact only the login department and coordinate with them – not any telecaller or other department of the company. The further process has to be done according to the login department.

32. During the loan process if the rules of any bank change, then we have to follow those new rules.

33. The customer has to give their registered phone number for being contacted by the login department.

34. During the loan processing time, if the company gets any queries and it is not solving that in the given time, then the company has the authority to take more time to address the query. So, the customer must not complain about the same.

35. If the customer wants to reapply in our company after file rejection or approval, then he/she has to re-submit their documents in the customer portal.

36. When you are applying for a loan on our website, we are showing you only your Eligibility for the loan. So whatever details you enter on the website are accepted by software only, and that only shows your pre-approval and not your final loan approval. Approval only depends on your documents and the banks' rules and regulations. We are not giving you any guarantee for the final loan approval.

37. All the detailed criteria, terms, and information behind any of the company’s concise promotional content (social media ads, banners, SMS, advertisements, emails, etc.) are stated in the Terms & Conditions and Privacy Policy sections of the website. Any concerned person (customer, employee, etc.) must check and accept all the rules and regulations before availing any of the company’s services. If any person has confusion, they can call on the company’s customer care number to gain clarity before availing company’s services.

38. The customer's payment is executed by third-party payment sources. So whenever payment would be received by the company then only a Subscription will be activated for the customer. If a customer's payment would be debited from his/her account but we don't receive any payment in the company's account then the company will not be responsible for that.

39. For any reference customer's payout, their account verification is compulsory. After verification, if the payout amount is debited from the company’s account and if it does not credit/reflect in the reference customer’s account – the company won’t be responsible for this issue.

40. Our company is a private limited company and we are tied up with banks and corporate DSA. We are providing loans through banks only.

41. Multiple partnered banks' logos are shown on our website and our promotional content across many mediums – these are shown only for our company's marketing purpose. It might be possible that certain banks, whose logos are shown on our website/promotional content, are not partnered with our company. Also, these should not be assumed as any bank's advertisement.

42. If anyone takes any legal action against the company then only our legal advisor would be dealing with that and Surat, India, will only remain the junction for any legal procedure. No one would be able to contact any employee or director of our company.

43. If any person has a doubt/question regarding any of the company’s terms and conditions, they can contact the company.

44. The eligibility age for buying a Subscription is 18 - 62 years. The persons in this age bracket can avail benefits of the Subscription.

45. For the Reference Customers who have given customer referrals to the company, it would be compulsory for them to submit their Payout Documents to the company within 30 days. If not submitted, all the payouts of the Reference Customer will be automatically cancelled. To get the cancelled payout, you can contact the company and discuss it.

46. Every reference payout will have a deduction of 5% TDS.

47. For the loan process, the company will only coordinate with the person who has purchased the Subscription and has an ongoing loan process – the company won’t coordinate with any third party.

48. Every bank payout will have tax deductions as per the bank’s rules and regulations.

49. The Company's authorized person can change any rules and regulations at any time; the concerned person must be regularly updated with the company’s terms and conditions and has to accept them unconditionally.

50. The company will provide the appropriate loan services but the responsibility of customer handling will be of the reference customer.

51. If any bank's rules or company's rules are changing during the processing time of the loan then the customer has to follow those new rules.

52. The office holidays and bank holidays will not be counted as working days/business days. The company’s office work will be done on working days only.

53. Our promotional content may communicate messages like 'Get Personal Loan in 30 mins' or 'Get Rs.5,00,000 in 5 mins' on our company’s social media, blogs/articles, ads, websites, emails, SMS, or any other medium – it must be carefully noted that these messages are only meant for marketing and promotional purposes. All the numerical values that depict time/number of steps/number of clicks – are for marketing and promotional purposes only. The final loan approval and process depend on the customer profile and the bank/NBFCs’ rules, regulations and criteria. If you have any sort of doubt before starting the process, you can call our customer care number (10 am to 5 pm – Monday to Saturday).

54. As per the details/information entered by the user, even if the actual pre-approved amount is lesser than 2 Lakhs, the pre-approved amount shown on the website will be Rs.2 Lakhs (minimum). And, even if the actual pre-approved amount is more than 8.5 Lakhs, the pre-approved amount shown on the website will be Rs.8.5 Lakhs (maximum). The pre-approved amount/pre-approved loan offers are tentative – the final loan approval, loan sanction, and disbursement depend on the customer profile and the NBFCs’ rules and regulations.

55. The first login of the customer’s file will be handled and executed by the company. To avail the reapplying option, the customer will have to perform the self-login(s).

The Customer clearly expresses and agrees that they have fully read and understood the Terms & Conditions mentioned in this Agreement – and they accept them unconditionally.