Terms & Conditions.

01. Nature of Services

Pahwa Financial Services operates as a loan facilitation and support service.

• • We are not a bank, NBFC, or financial institution.
• • We do not provide loans directly.
• • We assist users in exploring loan options by connecting them with regulated banks and NBFCs based on eligibility and requirements.
• • Our role is limited to guidance, documentation coordination, and application support.
• • All loan approvals, interest rates, fees, tenure, and terms are solely determined by the respective lending institutions.

02. User Eligibility

By using this website, you confirm that:

• ✓ You are at least 18 years of age
• ✓ The information provided by you is accurate and truthful
• ✓ You are legally capable of entering into binding agreements

03. No Guarantee of Loan Approval

Submission of any form, enquiry, or phone call does not guarantee loan approval. Loan eligibility, approval, interest rates, loan amount, and repayment terms depend on:

• Applicant profile
• Credit history
• Lender policies
• Regulatory norms

Final decisions are made exclusively by the lender.

04. Fees & Compensation

• • We do not charge any upfront or service fees from users for loan facilitation.
• • We may receive commission or referral fees from partner banks or NBFCs upon successful loan disbursal.
• • Any processing fees, interest, penalties, or charges imposed by lenders are disclosed directly by the lender to the applicant.

05. Preliminary Eligibility Assessment

Any eligibility checks or recommendations provided by us are indicative and preliminary only and do not constitute a final credit decision.

Final assessment and verification are conducted by the lending institution.

06. User Responsibilities

You agree to:

• ✓ Provide accurate and complete information
• ✓ Submit genuine documents
• ✓ Review all lender-issued documents carefully before acceptance

We are not responsible for losses arising from incorrect information provided by the user.

07. Advertising, Tracking & Communications

By using our website or services, you acknowledge and agree that:

• • We may use third-party tools for advertising, analytics, and call/conversion tracking
• • This may include services such as Google Ads, analytics platforms, and communication tools
• • You consent to being contacted via call, SMS, WhatsApp, or email for service-related communication

08. Data Use & Privacy

Your use of this website is subject to our Privacy Policy, which explains what data we collect, how it is used, and how it may be shared with lenders, partners, analytics, and advertising platforms. By using our services, you agree to the terms of our Privacy Policy.

09. Intellectual Property

All website content including text, logos, graphics, and layout are the property of Pahwa Financial Services unless otherwise stated. Unauthorized use, copying, or reproduction is prohibited.

10. Third-Party Links & Logos

• • Our website may contain links or references to third-party websites, banks, or NBFCs.
• • Display of logos or names is for informational purposes only and does not imply endorsement or exclusive partnership.
• • We are not responsible for third-party content or policies.

11. Limitation of Liability

Pahwa Financial Services shall not be liable for:

• • Loan rejections or delays
• • Changes in interest rates or loan terms
• • Actions or decisions of lenders
• • Any direct or indirect loss arising from reliance on lender-provided information

Users are advised to exercise due diligence before accepting any financial product.

12. Regulatory & Legal Compliance

We aim to operate in alignment with:

• RBI Fair Practices Code
• Applicable Indian laws
• Digital Personal Data Protection Act, 2023
• Google Financial Products & Services Advertising Policies

13. Modification of Terms

We reserve the right to modify these Terms & Conditions at any time. Updates will be posted on this page with a revised date. Continued use of the website constitutes acceptance of the updated terms.

14. Governing Law & Jurisdiction

• • These Terms shall be governed by and construed in accordance with the laws of India.
• • All disputes shall be subject to the exclusive jurisdiction of the courts of New Delhi, India.