Terms & Conditions

01 Use of the Website

The website is intended to provide information about Kirti Financial Services, its financial products, services, application facilities, customer support and other related information.

You agree to use the website only for lawful purposes and in accordance with these Terms & Conditions.

02 Information Provided on the Website

We make reasonable efforts to ensure that information published on the website is accurate and current. However, information relating to products, eligibility, interest rates, fees, charges, tenure, documentation and other conditions may be updated or changed from time to time.

Information displayed on the website should not be treated as a guarantee that a particular financial product or facility will be approved or made available to you.

03 Loan Applications

Submission of a loan application, enquiry or request through the website does not constitute approval or sanction of a loan.

All loan applications are subject to applicable eligibility criteria, KYC requirements, verification, credit assessment, internal policies, applicable laws and other conditions prescribed by Kirti Financial.

The final sanction, loan amount, pricing, tenure and other applicable terms shall be communicated through the relevant loan documentation.

04 Product-Specific Terms

Kirti Financial may offer financial products including:

• Loan Against Property
• Gold Loan
• Professional Loan
• Commodity Pledge Loan

The specific terms, eligibility criteria, documentation, fees, charges, interest rates, tenure and other conditions applicable to each product may vary.

The applicable product-specific documentation and loan agreement shall govern the relevant financial facility.

05 Customer Information

Users are responsible for providing accurate, complete and updated information when submitting an enquiry or application.

Kirti Financial may require additional information or documents for customer identification, KYC, verification, credit assessment and other legally or operationally required purposes.

06 Electronic Communication

Where applicable, communications relating to enquiries or applications may be made through the contact details provided by the customer, including telephone, SMS, email or other permitted communication channels.

Customers are responsible for ensuring that their contact information remains accurate and updated.

07 EMI Calculator and Other Tools

Any EMI calculator or financial calculator available on the website is provided for indicative and informational purposes only.

Actual repayment obligations may differ based on the applicable loan amount, interest rate, tenure, fees, charges and other terms contained in the relevant loan documentation.

08 Website Content and Intellectual Property

All text, logos, trademarks, graphics, images, designs, software and other content available on the website are owned by or licensed to Kirti Financial Services, unless otherwise stated.

No content may be reproduced, modified, distributed or commercially used without appropriate authorization.

09 Prohibited Use

You must not use the website to:

• Submit false or misleading information
• Attempt unauthorized access
• Interfere with website functionality or security
• Introduce malicious software or harmful code
• Use the website for unlawful or fraudulent activities
• Misuse any online application or communication facility

10 Third-Party Websites

The website may contain links to third-party websites or services.

Such links are provided for convenience or reference. Kirti Financial Services does not assume responsibility for the content, availability, security or privacy practices of third-party websites.

11 Privacy

The collection and processing of personal information submitted through the website are governed by Kirti Financial Services' Privacy Policy.

12 Grievance Redressal

Customers may contact Kirti Financial Services for complaints, queries or feedback through the designated grievance redressal channels published on the website.

13 Changes to the Website and Terms

Kirti Financial Services may modify, update or discontinue any part of the website or its features from time to time.

These Terms & Conditions may also be updated to reflect changes in the Company's services, policies, applicable laws or regulatory requirements.

The updated version will be published on this page with the revised date.

14 Applicable Law

These Terms & Conditions shall be governed by the applicable laws of India.

Any dispute relating to the use of this website shall be subject to the jurisdiction of the courts having appropriate jurisdiction, subject to applicable law.

15 Relationship with Loan Documents

These website Terms & Conditions do not replace or override the specific terms contained in an application form, Key Facts Statement, sanction letter, loan agreement or other applicable financing documents.

Where a specific financial product or loan document contains terms applicable to that facility, those terms shall govern the relevant transaction.

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