Last Updated: January 28, 2026

Welcome to our financial services platform. These Terms and Conditions ("Terms") govern your access to and use of our website, mobile applications, and services. By accessing or using our platform, you agree to be bound by these Terms. Please read them carefully before proceeding.

1. Definitions and Interpretation

"Platform" refers to our website, mobile applications, and all related services provided by us.

"User" or "You" refers to any individual or entity accessing or using our Platform.

"Services" include loan facilitation, insurance comparison, financial advisory, and related financial products and services.

"Lender" refers to banks, NBFCs (Non-Banking Financial Companies), and other financial institutions whose products are listed on our Platform.

"Personal Information" means any information that identifies or can be used to identify you.

2. Acceptance of Terms

By registering, browsing, or using any service on our Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must immediately cease using our Platform.

We reserve the right to modify, update, or change these Terms at any time without prior notice. Your continued use of the Platform after such changes constitutes your acceptance of the modified Terms. We recommend reviewing these Terms periodically.

3. Eligibility and Registration

To use our Services, you must:

• Be at least 18 years of age (21 years for certain loan products).
• Be a resident of India with valid KYC (Know Your Customer) documents.
• Have the legal capacity to enter into a binding contract.
• Provide accurate, complete, and current information during registration.
• Maintain the confidentiality of your account credentials.

You are responsible for all activities that occur under your account. You must immediately notify us of any unauthorized access or security breach.

4. Services Offered

We act as an intermediary platform connecting borrowers with lenders and insurance seekers with insurance providers. Our Platform offers:

1. Loan Facilitation Services: Personal loans, home loans, business loans, car loans, education loans, loan against property, construction loans, and other credit products.
2. Insurance Services: Health insurance, life insurance, term insurance, vehicle insurance, and other insurance products.
3. Comparison Services: Tools to compare interest rates, premiums, terms, and features across multiple lenders and insurers.
4. Application Processing: Assistance in completing and submitting loan/insurance applications to partner institutions.
5. Document Management: Secure upload, storage, and verification of required documents.

Important Note: We are a facilitator and do not directly lend money or provide insurance. All loan approvals and insurance policy issuances are subject to the terms and conditions of the respective lenders and insurance companies.

5. Application Process and Approval

When you submit a loan or insurance application through our Platform:

• We will forward your application to one or more partner lenders/insurers based on your profile and requirements.
• Approval, rejection, loan amount, interest rates, tenure, and premium amounts are determined solely by the lender/insurer.
• We do not guarantee approval of any application or specific terms.
• Processing times vary by lender/insurer and product type (typically 2-15 business days).
• Additional documents or information may be requested during the verification process.
• Credit checks may be performed by lenders, which may impact your credit score.

6. Fees and Charges

Our Platform charges may include:

• Service Fee: A nominal fee for facilitating loan applications (typically 0.5% - 2% of loan amount or as disclosed).
• Processing Support: Assistance fees for documentation, technical evaluation, or legal verification (if applicable).
• Insurance Premium: As determined by the insurance provider (we may earn commission from insurers).

All fees will be clearly disclosed before you proceed with any transaction. Lender charges (processing fees, prepayment charges, late payment fees, etc.) are separate and governed by the lender's terms.

7. Loan Terms and Repayment

If your loan application is approved:

• You will receive a loan agreement directly from the lender detailing interest rates, EMI amount, tenure, repayment schedule, and other terms.
• You must carefully review and sign the loan agreement before disbursement.
• Loan disbursement is subject to satisfactory verification of documents and property (for secured loans).
• EMI payments must be made on time as per the schedule. Late payments may attract penalties and affect your credit score.
• Prepayment and foreclosure options are subject to the lender's policy and may involve charges.

8. Insurance Terms

For insurance products facilitated through our Platform:

• All policy terms, coverage details, exclusions, and claim procedures are governed by the insurance company's policy document.
• Premium payment schedules and renewal terms are determined by the insurer.
• Free-look period: Most insurance policies offer a 15-30 day free-look period for cancellation and refund (as per IRDAI guidelines).
• Claims must be filed directly with the insurance company as per their claim process.
• We may assist with claim filing but are not responsible for claim approval or rejection decisions.

9. User Obligations and Representations

By using our Platform, you agree to:

1. Provide accurate, truthful, and complete information in all applications and communications.
2. Submit genuine, unaltered, and valid documents for verification.
3. Not misrepresent your financial status, employment, income, or any other material information.
4. Use the Platform only for lawful purposes and in compliance with all applicable laws.
5. Not engage in fraudulent activities, identity theft, or misuse of the Platform.
6. Maintain confidentiality of your login credentials and OTPs (One-Time Passwords).
7. Not share your account access with unauthorized persons.
8. Inform us immediately of any changes in your contact information, employment, or financial circumstances.

Warning: Providing false or misleading information is a criminal offense and may result in legal action, application rejection, and being blacklisted from our Platform and partner institutions.

10. Privacy and Data Protection

Your privacy is important to us. We collect, use, store, and share your Personal Information in accordance with our Privacy Policy and applicable data protection laws including:

• Information Technology Act, 2000 and rules thereunder
• Digital Personal Data Protection Act, 2023 (when enforced)
• Reserve Bank of India (RBI) guidelines on data security and privacy

By using our Platform, you consent to:

• Collection of personal, financial, and KYC information.
• Sharing your information with partner lenders, insurers, credit bureaus, and service providers for processing your applications.
• Storage of your information on secure servers in India or approved international locations.
• Communication via SMS, email, WhatsApp, or phone regarding your applications, offers, and updates.

We implement industry-standard security measures to protect your data. However, no system is completely secure, and we cannot guarantee absolute security.

11. Credit Bureau Reporting

You acknowledge and authorize that:

• Lenders may access your credit reports from credit information companies (CIBIL, Experian, Equifax, CRIF High Mark).
• Your loan application, approval, disbursement, and repayment history will be reported to credit bureaus.
• Late payments, defaults, or loan settlement will negatively impact your credit score.
• We may access your credit information to assess eligibility and recommend suitable products.

12. Intellectual Property Rights

All content on our Platform including text, graphics, logos, images, software, and design are owned by us or our licensors and are protected by:

• Copyright Act, 1957
• Trademarks Act, 1999
• Information Technology Act, 2000

You may not copy, reproduce, distribute, modify, create derivative works, reverse engineer, or exploit any content without our prior written permission.

13. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for loan rejections, unfavorable interest rates, or insurance policy terms offered by lenders/insurers.
• We do not guarantee loan approval, specific loan amounts, interest rates, or insurance coverage.
• We are not responsible for delays, errors, or failures by third-party lenders, insurers, payment gateways, or service providers.
• We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Platform.
• Our total liability in any matter shall not exceed the fees paid by you in the last 6 months.

The Platform is provided "as is" without warranties of any kind, express or implied.

14. Indemnification

You agree to indemnify, defend, and hold harmless our company, directors, officers, employees, agents, and affiliates from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising from:

• Your violation of these Terms.
• Your breach of any representation or warranty.
• Provision of false, inaccurate, or misleading information.
• Your violation of any applicable law or third-party rights.
• Unauthorized use of the Platform under your account.

15. Termination and Account Suspension

We reserve the right to:

• Suspend or terminate your account immediately without notice if you violate these Terms.
• Refuse service to anyone at our sole discretion.
• Remove or disable access to any content at any time.
• Report fraudulent activities to law enforcement authorities.

Upon termination, your right to use the Platform ceases immediately, but these Terms shall continue to apply to prior use.

16. Grievance Redressal

If you have any complaints, concerns, or queries, please contact our Grievance Officer:

Grievance Officer Name: [Name]
Email: grievance@yourcompany.com
Phone: +91-XXXXXXXXXX
Address: [Complete Address]
Working Hours: Monday to Friday, 10:00 AM - 6:00 PM IST

We will acknowledge your complaint within 48 hours and aim to resolve it within 15 working days.

17. Dispute Resolution and Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of courts located in [Your City], India.

Before initiating legal proceedings, parties agree to attempt resolution through good-faith negotiations and mediation.

18. Regulatory Compliance

Our Platform and services comply with:

• Reserve Bank of India (RBI) guidelines for loan facilitation and digital lending.
• Insurance Regulatory and Development Authority of India (IRDAI) regulations for insurance intermediaries.
• Prevention of Money Laundering Act (PMLA), 2002 and related rules.
• Information Technology Act, 2000 and intermediary guidelines.
• Consumer Protection Act, 2019.

19. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control including natural disasters, acts of God, war, terrorism, riots, government actions, pandemics, internet failures, or technical malfunctions.

20. Severability

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

21. Contact Information

For any questions, concerns, or feedback regarding these Terms or our services, please contact us:

Email: support@realtyfinserv.com
Phone: +91 88104 06446
Address: 4th, Cloud-9, 422, Sector-1, Vaishali, Ghaziabad, Uttar Pradesh
Website: www.realtyfinserv.com

Acknowledgment: By clicking "I Agree" or by continuing to use our Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.