Terms of Use

Please read these terms carefully before using our loan services

Last updated: January 2, 2025

Welcome to Karimnagar Loans

These Terms of Use govern your use of our website and loan facilitation services. By accessing our website or using our services, you agree to be bound by these terms.

1. Definitions

"We," "Us," "Our"

Refers to Karimnagar Loans, a loan facilitation service provider operating in Karimnagar, Telangana, and surrounding areas.

"You," "Your," "User"

Refers to any individual or entity accessing our website or using our services.

"Services"

Refers to loan facilitation, advisory services, and related financial assistance provided through our platform.

"Partners"

Banks, NBFCs, and other financial institutions we work with to provide loan products.

2. Service Description

Karimnagar Loans acts as a loan facilitator and advisor. We do not lend money directly but help connect borrowers with appropriate lenders including banks and NBFCs.

Our Services Include:

  • Loan consultation and advisory services
  • Document preparation assistance
  • Application processing support
  • Comparison of loan products from multiple lenders
  • Follow-up on loan applications
  • Post-approval assistance

Important: We are facilitators only. Final loan approval, terms, and disbursement are at the sole discretion of the lending institutions.

3. User Responsibilities

You agree to:

  • Provide accurate and complete information
  • Submit genuine documents and financial information
  • Comply with all applicable laws and regulations
  • Pay our service fees as agreed upon
  • Cooperate in the loan application process
  • Inform us of any changes in your financial situation
  • Use our services only for legitimate purposes

You agree NOT to:

  • Provide false or misleading information
  • Submit forged or fabricated documents
  • Use our services for fraudulent activities
  • Interfere with our website or services
  • Violate any applicable laws or regulations

4. Fees and Charges

Our service fees are clearly communicated before engaging our services. Fees may include:

  • Consultation and advisory fees
  • Document processing charges
  • Application processing fees
  • Success fees (upon loan approval)

No Hidden Charges: All fees are transparently disclosed upfront. We do not charge any hidden fees.

5. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

Data Sharing:

Your information may be shared with our partner banks and NBFCs solely for the purpose of loan processing. We ensure all partners maintain strict confidentiality standards.

6. Disclaimers

Important Disclaimers:

  • We do not guarantee loan approval from any lender
  • Interest rates and terms are determined by lenders, not us
  • Loan approval is subject to lender's policies and criteria
  • We are not responsible for lender decisions or policies
  • Market conditions may affect loan availability and terms

7. Limitation of Liability

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

  • Loan rejection by any lender
  • Changes in interest rates or loan terms by lenders
  • Delays in loan processing by lenders
  • Any indirect, incidental, or consequential damages
  • Loss of income or business opportunities

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without written permission.

9. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without notice, if you violate these terms or engage in any fraudulent or illegal activities.

You may discontinue using our services at any time. However, any ongoing loan applications will continue to be processed unless specifically cancelled.

10. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of India and the state of Telangana. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts in Karimnagar, Telangana.

11. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

We recommend reviewing these terms periodically to stay informed of any updates.

Contact Us

If you have any questions about these Terms of Use, please contact us:

Email: loans@cgclt.com
Phone: +91 9966044344
Address: 1st Floor, Above Airtel Store, IB Chowrastha, Karimnagar, Telangana - 505001