Terms and Conditions

1. Acceptance of Terms

By accessing or using the BharatFincred website (www.bharatfincred.com) or any of our services, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Nature of Services

BharatFincred is a registered Direct Selling Agent (DSA). Our services include:

• Loan enquiry facilitation — connecting borrowers with partner lenders
• Financial calculators — EMI, balance transfer, eligibility, and other tools (indicative only)
• CIBIL score awareness and educational tools
• Loan product comparison and advisory

We do not: lend money, guarantee loan approval, guarantee interest rates shown on calculators, or guarantee any specific loan offer from any lender.

3. Calculator Disclaimer

All results produced by BharatFincred's financial calculators (EMI, balance transfer savings, loan eligibility, CIBIL impact, etc.) are indicative estimates only. They are based on the inputs you provide and simplified financial models. Actual loan terms — including interest rate, EMI, eligible amount, tenure, and total cost — are determined by the lender after credit assessment and are subject to change. Do not make financial decisions based solely on calculator results.

4. User Obligations

By using our services, you agree to:

• Provide accurate, truthful, and complete information in all forms and enquiries
• Not misrepresent your income, identity, employment, or financial status
• Not use our platform for any fraudulent, illegal, or unauthorised purpose
• Not attempt to scrape, crawl, or reverse-engineer our tools or data
• Ensure you are 18 years or older and legally competent to enter into a financial agreement

5. Consent and Lead Sharing

When you submit your details through any form on our website (loan enquiry, calculator lead gate, CIBIL check, partner registration, or contact form), you explicitly consent to:

• BharatFincred contacting you via phone, email, WhatsApp, and SMS regarding your enquiry
• BharatFincred sharing your name, contact details, and loan requirements with partner lenders for the purpose of loan processing
• Partner lenders contacting you directly regarding loan offers

You may withdraw your consent at any time by emailing privacy@bharatfincred.com.

6. Intellectual Property

All content on this website — including text, graphics, logos, calculator tools, and code — is the intellectual property of BharatFincred or its licensors. You may not reproduce, distribute, or create derivative works without prior written consent.

7. Third-Party Links and Lenders

Our website may contain links to third-party websites (partner lenders, comparison platforms, etc.). We are not responsible for the content, accuracy, or privacy practices of those sites. The availability of a lender on our platform does not constitute an endorsement of that lender.

8. Limitation of Liability

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

• Loan application rejections by any lender
• Inaccuracies in calculator outputs or CIBIL score estimates
• Financial losses arising from decisions made based on our tools or advisory
• Delays in loan processing by lenders
• Any indirect, incidental, or consequential damages arising from use of our platform

9. Governing Law and Disputes

These Terms are governed by the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in [City], India. In the event of a dispute, parties shall first attempt resolution through negotiation, and then through mediation, before initiating legal proceedings.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting on this page. Your continued use of our services after any modification constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.

11. Contact