1. Company Information

These Terms & Conditions govern the use of services and website of:

2. Definitions

For the purpose of these Terms & Conditions, the following definitions shall apply:

• "Company" / "We" / "Us" / "Our" refers to Nihal Fintech Pvt. Ltd., its directors, employees, agents, and authorised representatives.
• "User" / "You" / "Client" refers to any individual, firm, business entity, or NRI accessing this website or availing the services of Nihal Fintech Pvt. Ltd.
• "Website" refers to www.nihalfintech.com including all its pages, sub-pages, forms, and associated content.
• "Services" refers to loan consultancy, financial advisory, loan facilitation, document assistance, and related services offered by the Company.
• "Financial Institution" / "Lender" refers to any bank, Non-Banking Financial Company (NBFC), or Housing Finance Company (HFC) with whom the Company has a DSA or referral arrangement.
• "Loan Products" refers to Home Loans, Loan Against Property (LAP), Loan Against Securities, Project Funding, Unsecured Personal & Business Loans, Working Capital Loans, and Business Loans facilitated by the Company.
• "Application" refers to any loan inquiry, loan application form, or request for financial services submitted by you through the website, email, phone, or in person.

3. Nature of Services

3.1 Role as a Loan Facilitator / DSA

Nihal Fintech Pvt. Ltd. is a private loan consultancy and financial solutions provider. We act as an intermediary / Direct Selling Agent (DSA) between borrowers and financial institutions including banks and NBFCs. We do not directly lend money, disburse loans, or take deposits from any individual or entity.

3.2 Services Offered

Our services include, but are not limited to:

• Consultation and advisory on loan eligibility, documentation, and selection of suitable loan products
• Facilitation of Home Loans for residential purchase, construction, and renovation
• Facilitation of Loan Against Property (LAP) / Mortgage Loans
• Facilitation of Loan Against Securities (shares, mutual funds, bonds)
• Project Funding advisory and facilitation for commercial and industrial projects
• Unsecured Personal & Business Loans
• Working Capital Loans and Cash Credit facilities
• Business Loan facilitation for MSME and corporate clients
• Special services for NRI (Non-Resident Indian) clients seeking loans in India — see Section 14

3.3 No Guarantee of Loan Approval

The Company facilitates loan applications on a best-effort basis. Submission of an application or payment of any processing fees to a financial institution does not guarantee loan sanction or disbursal. The final decision on loan approval rests solely with the lending institution. Nihal Fintech Pvt. Ltd. bears no liability for rejection of loan applications.

4. Use of Website

4.1 Eligibility

This website is intended for use by individuals who are 18 years of age or older and are residents or citizens of India, or NRIs seeking loan products in India. By accessing this website, you confirm that you meet these eligibility criteria.

4.2 Permitted Use

You may use this website for:

• Browsing information about our services
• Submitting loan inquiries or applications
• Using the EMI calculator tool for informational purposes
• Contacting our team for consultation
• Downloading our brochure for personal reference

4.3 Prohibited Use

You agree not to use this website for any of the following:

• Any unlawful purpose or in violation of any applicable Indian or international law
• Submitting false, misleading, or fraudulent information
• Attempting to gain unauthorised access to any portion of the website or its underlying systems
• Uploading or transmitting viruses, malware, or any other harmful code
• Scraping, crawling, or harvesting content from this website without written permission
• Impersonating any person or entity, or misrepresenting your affiliation
• Engaging in any activity that disrupts or interferes with website functionality

5. Accuracy of Information

5.1 Information Provided by You

You agree to provide accurate, current, and complete information when submitting loan inquiries, filling forms, or communicating with our team. Any false or inaccurate information may result in immediate termination of services and may expose you to legal consequences under applicable law. Nihal Fintech Pvt. Ltd. shall not be liable for any loss arising from inaccurate information provided by you.

5.2 Information on the Website

While we strive to ensure that all information on this website is accurate and up to date, interest rates, eligibility criteria, loan terms, and partner bank offerings are subject to change without prior notice. The content on this website is for informational purposes only and does not constitute financial, legal, or investment advice. We strongly recommend consulting our financial planners directly for personalised guidance.

5.3 EMI Calculator

The EMI calculator provided on this website is a general indicative tool only. Results generated are approximate and may vary from the actual EMI charged by a lending institution. Nihal Fintech Pvt. Ltd. makes no warranty as to the accuracy of calculated values.

6. Privacy & Data Protection

6.1 Data Collection

When you submit an inquiry, contact form, or loan application through our website, we collect personal information including but not limited to your name, phone number, email address, financial details, employment information, and property details. This information is collected solely for the purpose of providing our services to you.

6.2 Use of Your Data

Your personal and financial information may be used to:

• Process and evaluate your loan application
• Share with relevant partner financial institutions (banks and NBFCs) strictly for loan processing purposes
• Contact you with updates on your application status
• Provide you with relevant financial product information and offers
• Comply with regulatory obligations under RBI guidelines

6.3 Data Sharing

Nihal Fintech Pvt. Ltd. will not sell, rent, or lease your personal information to third parties for marketing purposes. Your data may be shared with our network of partnered banks, NBFCs, and housing finance companies solely for the purpose of processing your loan application. Such sharing is done in compliance with applicable data protection laws and RBI guidelines. For a list of our current banking partners, please refer to Section 10.

6.4 Data Security

We implement reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, or disclosure. However, no data transmission over the internet can be guaranteed to be completely secure. By using our website, you acknowledge and accept this inherent risk.

6.5 Consent

By submitting any form or inquiry on this website, you expressly consent to the collection, use, and sharing of your personal information as described in these Terms & Conditions and our Privacy Policy.

6.6 Credit Bureau / CIBIL Consent

By submitting your application and financial details to Nihal Fintech Pvt. Ltd., you explicitly authorise Nihal Fintech Pvt. Ltd. and its partner Financial Institutions to fetch, access, and review your Credit Information Report from licensed credit bureaus (including but not limited to CIBIL, Experian, Equifax, and CRIF High Mark) for the purpose of assessing your loan eligibility. You acknowledge that such credit enquiries may be recorded in your credit report. This consent remains valid for the duration of your loan application process.

7. Fees, Charges & Payments

7.1 Consultancy Fees

Nihal Fintech Pvt. Ltd. may charge a consultancy or service fee for facilitation of certain loan products. Any applicable fees will be communicated to you clearly in writing prior to commencement of services. No hidden charges will be levied without your prior written consent.

7.2 Refund Policy for Consultancy Fees

Any consultancy or service fees paid directly to Nihal Fintech Pvt. Ltd. are strictly non-refundable once the loan file has been logged in or processed with a lending institution, regardless of the final sanction or rejection outcome by that institution. A refund of consultancy fees may only be considered if explicitly agreed upon in writing by an authorised representative of Nihal Fintech Pvt. Ltd. prior to the commencement of services. In case of any dispute regarding fees, please refer to our Grievance Redressal process in Section 17.

7.3 Third-Party Charges

Any fees, charges, or costs levied by lending institutions such as processing fees, legal charges, valuation fees, stamp duty, or pre-payment charges are the responsibility of the borrower and are payable directly to the relevant financial institution. The Company has no control over such charges and cannot guarantee their waiver.

7.4 No Refund of Lender Processing Fees

Processing fees paid directly to lending institutions are governed by the respective bank's or NBFC's terms and conditions. Nihal Fintech Pvt. Ltd. is not responsible for the refund of any such fees in case of loan rejection or withdrawal of application. For details on our partner institutions, see Section 10.

8. Confidentiality

All information shared by you with Nihal Fintech Pvt. Ltd. in connection with your loan application including personal, financial, property-related, and business-related details shall be treated as confidential. Our team is bound by strict internal confidentiality obligations. Such information will not be disclosed to any party other than the relevant lending institutions and as required by law.

9. Intellectual Property Rights

All content on this website including but not limited to the Nihal Fintech logo, brand name, text, images, graphics, layout, and the EMI calculator tool is the exclusive property of Nihal Fintech Pvt. Ltd. and is protected under applicable intellectual property laws of India. You may not reproduce, distribute, modify, or create derivative works from any content on this website without the prior written consent of the Company.

10. Third-Party Links & Partners

This website may contain links to third-party websites or references to partner financial institutions including ICICI Bank, Axis Bank, Kotak Mahindra Bank, PNB Housing Finance, and IDBI Bank. These links are provided for your convenience only. Nihal Fintech Pvt. Ltd. does not endorse, control, or take responsibility for the content, privacy practices, or terms of any third-party website. Access to third-party websites is at your own risk.

11. Disclaimer of Warranties

This website and the information contained herein are provided on an "as is" and "as available" basis without any express or implied warranty of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Nihal Fintech Pvt. Ltd. does not warrant that:

• The website will be uninterrupted, error-free, or free of viruses or harmful components
• The information provided on this website is complete, accurate, or current at all times
• Any specific loan product will be available or approved for any particular user
• Interest rates or loan terms quoted verbally or on the website will remain unchanged

12. Limitation of Liability

To the maximum extent permitted by applicable law, Nihal Fintech Pvt. Ltd., its directors, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Your reliance on information provided on this website (see also Section 5 – Accuracy of Information)
• Any interruption, delay, or failure of the website
• Rejection of your loan application by any financial institution (see Section 3.3)
• Loss of data, business, or profits arising from the use of our services
• Any actions or omissions of our partner financial institutions

Our total aggregate liability under any circumstances shall be limited to the consultancy fee, if any, paid to the Company by the user for the specific service in question. See also Section 13 – Indemnification.

13. Indemnification

You agree to indemnify, defend, and hold harmless Nihal Fintech Pvt. Ltd., its directors, officers, employees, agents, and authorised representatives from and against any and all claims, losses, damages, liabilities, costs, or expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of this website or our services
• Your violation of any provision of these Terms & Conditions
• Your submission of fraudulent, forged, fabricated, or misleading documents or information to us or to any of our partner financial institutions
• Any misrepresentation of your identity, financial status, property ownership, or purpose of loan
• Any third-party claim arising from your actions or omissions in connection with our services

This indemnification obligation shall survive the termination of your engagement with Nihal Fintech Pvt. Ltd. This clause works in conjunction with Section 12 (Limitation of Liability) and Section 19 (Termination of Services).

14. Special Terms for NRI Clients

Nihal Fintech Pvt. Ltd. offers specialised loan facilitation services to Non-Resident Indians (NRIs) seeking Home Loans, Loan Against Property, and other financial products in India. NRI clients acknowledge and agree to the following additional terms:

• Loan eligibility, documentation requirements, and applicable regulations for NRIs are governed by RBI guidelines and FEMA (Foreign Exchange Management Act) regulations. You are responsible for ensuring compliance with all such regulations in your country of residence. See Section 16 – Regulatory Compliance.
• Nihal Fintech Pvt. Ltd. acts solely as a facilitator and does not provide legal or tax advice for cross-border transactions. We recommend consulting a qualified legal and tax advisor in your country of residence.
• All communication with NRI clients may be carried out via email, phone, or video conference. You authorise us to contact you through the contact details provided, including international calls, emails, and messaging platforms.
• Power of Attorney (PoA) arrangements for NRI loan applications must be executed as per the guidelines of the lending institution and applicable Indian law.
• By submitting your application, NRI clients provide the same CIBIL and credit bureau consent as described in Section 6.6.

15. Partner / Referral Program

Individuals or entities wishing to partner with Nihal Fintech Pvt. Ltd. as referral agents or business associates are subject to a separate Partner Agreement. By joining our Partner Program, you additionally agree to:

• Represent the Company's services truthfully and in accordance with applicable RBI guidelines for DSAs
• Not engage in any form of mis-selling, misrepresentation, or collection of fees from clients on behalf of the Company without written authorisation (see Section 13 – Indemnification)
• Maintain confidentiality of all client information accessed in the course of your work with the Company (see Section 8 – Confidentiality)
• Commission and payout terms are governed by the terms of the individual Partner Agreement executed with the Company

16. Regulatory Compliance

Nihal Fintech Pvt. Ltd. operates in compliance with applicable Indian laws and regulations, including but not limited to:

• The Companies Act, 2013
• Reserve Bank of India (RBI) guidelines applicable to loan facilitators and Direct Selling Agents
• The Information Technology Act, 2000 and its amendments
• The Foreign Exchange Management Act (FEMA), 1999 for NRI-related transactions
• The Indian Contract Act, 1872
• Prevention of Money Laundering Act (PMLA), 2002

Users are equally required to comply with all applicable laws and regulations when availing our services.

17. Grievance Redressal

We are committed to providing a transparent and satisfactory experience to all clients. In the event of any complaint, grievance, or dispute, we encourage you to contact us through the following channels:

We will endeavour to respond to all complaints within 7 business days. Disputes that cannot be resolved amicably shall be subject to the jurisdiction of courts in Mumbai, Maharashtra.

18. Modifications to These Terms

Nihal Fintech Pvt. Ltd. reserves the right to modify, amend, or update these Terms & Conditions at any time without prior notice. The revised Terms will be effective immediately upon posting on this website with an updated "Last Updated" date. Continued use of this website or our services following any such modification constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

19. Termination of Services

Nihal Fintech Pvt. Ltd. reserves the right to suspend or terminate services to any user at its sole discretion in the event of:

• Submission of false or fraudulent information (see also Section 13 – Indemnification)
• Violation of these Terms & Conditions
• Conduct that is harmful, abusive, or disruptive
• Any legal or regulatory requirement to do so (see Section 16 – Regulatory Compliance)

Termination shall not affect any rights or obligations that have arisen prior to the date of termination.

20. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Mumbai, Maharashtra, India.

21. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any additional terms applicable to specific services (such as the Partner Agreement referenced in Section 15), constitute the entire agreement between you and Nihal Fintech Pvt. Ltd. with respect to the use of this website and our services, and supersede all prior or contemporaneous communications and proposals.