Terms & Conditions

Effective Date: July 1, 2026

Welcome to Nibeditas Finance. By accessing or using our website and services, you agree to be bound by the following Terms & Conditions. If you do not agree with these terms, please do not use our services.

1. Acceptance of Terms

By using our website or submitting a loan application, you confirm that you have read, understood, and accepted these Terms & Conditions.

2. Eligibility

Applicants must:

• Be at least 18 years of age.

• Provide valid identity and address proof.

• Submit accurate and complete information.

• Meet the eligibility criteria applicable to the requested financial product.

3. Loan Applications

Submitting a loan application does not guarantee approval. All applications are subject to document verification, eligibility checks, credit assessment, and internal policies.

4. Information Accuracy

You agree that all information and documents submitted are true, complete, and accurate. Providing false or misleading information may result in rejection of the application or legal action where applicable.

5. Interest Rates & Charges

Interest rates, processing fees, service charges, and other applicable fees will be disclosed before loan disbursement or service confirmation. These may vary depending on the applicant's profile and the selected financial product.

6. Repayment Obligations

Borrowers are responsible for making repayments on or before the due dates according to the agreed repayment schedule. Late payments may result in additional charges and other consequences permitted by law.

7. Privacy

Customer information is collected and processed in accordance with our Privacy Policy. We take reasonable measures to protect personal information.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Nibeditas Finance or its licensors and may not be copied, reproduced, or distributed without prior written permission.

9. Prohibited Activities

Users must not:

• Submit fraudulent or forged documents.

• Attempt unauthorized access to our systems.

• Use the website for illegal or fraudulent activities.

• Interfere with the website's security or functionality.

10. Limitation of Liability

Nibeditas Finance shall not be liable for any indirect, incidental, or consequential damages arising from the use of our website or services, except where required by applicable law.

11. Third-Party Services

Our website may contain links to third-party websites or payment gateways. We are not responsible for their content, security, or privacy practices.

12. Modification of Terms

We reserve the right to modify these Terms & Conditions at any time. Updated terms will be published on our website and become effective upon publication.

13. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of the competent courts in the applicable location.

14. Contact Us

For any questions regarding these Terms & Conditions, please contact our customer support team through the contact details provided on our official website.