Terms & Conditions

Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "Borrower", or "Applicant") and Capital Finstech Pvt. Ltd. ("Company", "we", "us", or "our"), governing your use of our website capitalfinstech.com and all related financial services.

By accessing our website, submitting a loan application, or using any of our services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of our services immediately.

Eligibility Criteria

To apply for any loan or financial product offered by Capital Finstech, you must meet the following eligibility requirements:

• Must be a citizen or resident of India
• Must be at least 21 years of age and not more than 60 years at the time of loan maturity
• Must have a valid government-issued photo ID (Aadhaar, PAN, Passport, or Voter ID)
• Must have a regular and verifiable source of income (salaried or self-employed)
• Must have an active bank account in India
• Must meet our minimum credit score requirements as assessed internally

We reserve the right to modify eligibility criteria at any time without prior notice.

Loan Products & Terms

Capital Finstech offers various loan products including Personal Loans, Home Loans, and Business Loans. The following general terms apply to all loan products:

• Loan Amount: As determined based on your eligibility and credit assessment
• Interest Rate: Communicated clearly before disbursement; subject to change per RBI guidelines
• Repayment Tenure: As agreed in the Loan Agreement at the time of sanction
• Processing Fee: Non-refundable fee applicable at the time of loan processing
• Prepayment: Allowed subject to applicable prepayment charges as per loan agreement
• Late Payment: Penal interest will be charged on overdue amounts as specified in the Loan Agreement

Loan Application & Approval

By submitting a loan application, you authorize Capital Finstech to:

• Collect, verify, and process your personal and financial information
• Access your credit bureau report from CIBIL, Equifax, or other bureaus
• Contact your employer or references for verification purposes
• Approve, modify, or reject your application at our sole discretion
• Disburse the loan amount directly to your bank account upon approval

Submission of an application does not guarantee approval. All decisions are subject to our internal credit assessment policies.

Repayment Obligations

As a borrower, you are obligated to:

• Repay the loan as per the EMI schedule outlined in your Loan Agreement
• Maintain sufficient funds in your registered bank account on EMI due dates
• Inform us immediately of any change in employment, income, or contact details
• Not use the loan amount for any illegal, speculative, or prohibited activities

KYC Requirements

As per RBI guidelines, we are required to perform Know Your Customer (KYC) verification before processing any loan. You agree to:

• Provide accurate, complete, and authentic documents as requested
• Submit valid proof of identity, address, and income
• Consent to video KYC or in-person verification if required
• Update your KYC information periodically as per regulatory requirements

Providing false or misleading information is a criminal offence under applicable Indian laws and will result in immediate rejection or cancellation of the loan.

Use of Our Website

You agree to use our website only for lawful purposes. The following actions are strictly prohibited:

• Attempting to hack, disrupt, or gain unauthorized access to our systems
• Submitting false information through any form on our website
• Using automated tools, bots, or scripts to access our website
• Reproducing, copying, or distributing our content without written permission
• Engaging in any activity that violates applicable Indian laws

We reserve the right to block access to users who violate these terms without prior notice.

Limitation of Liability

Capital Finstech shall not be liable for:

• Any indirect, incidental, or consequential damages arising from use of our services
• Loss of data, profits, or business opportunity due to service interruptions
• Third-party websites or services linked from our website
• Errors or inaccuracies in information provided by the applicant
• Technical failures beyond our reasonable control

Our total liability in any circumstance shall not exceed the loan processing fee paid by you.

Intellectual Property Rights

All content on this website including text, graphics, logos, images, and software is the exclusive property of Capital Finstech Pvt. Ltd. and is protected by Indian and international copyright laws.

You may not copy, reproduce, distribute, or create derivative works from our content without our explicit written consent. Unauthorized use may result in legal action.

Grievance Redressal

We are committed to resolving customer grievances promptly. If you have any complaint or concern:

1. Contact our customer support at capitalfinstech90@gmail.com
2. We will acknowledge your complaint within 3 business days
3. Resolution will be provided within 15 business days of receipt
4. If unsatisfied, you may escalate to the RBI Ombudsman Scheme

Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in India.

Any disputes shall first be attempted to be resolved through mutual negotiation. If unresolved, the matter may be referred to arbitration under the Arbitration and Conciliation Act, 1996.

Changes to These Terms

Capital Finstech reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. We will notify registered users via email for significant changes.

Your continued use of our services after any changes constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically.