Terms of Service

1. Acceptance of Terms

Welcome to the website of Pristine Finserve ("we", "our", "us", or the "Company"). These Terms and Conditions ("Terms") govern your access to and use of our website, including all content, tools, and services available through it. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website or services.

2. About Our Services

Pristine Finserve is a financial services consultancy that provides loan advisory, loan facilitation, financial planning, and related assistance. We help customers connect with banks, NBFCs, and other financial institutions for products such as home loans, personal loans, business loans, loan against property, auto loans, and education loans.

We act as an intermediary and advisor. We are not a lending institution and do not sanction or disburse loans directly. All loan approvals, interest rates, terms, and conditions are determined solely by the respective lending institutions based on their policies and your eligibility.

3. Eligibility to Use Our Services

You may use our website and services only if you are at least 18 years of age and legally capable of entering into a binding contract in India. By using our services, you represent and warrant that:

• You are at least 18 years of age.
• All information you provide to us is true, accurate, current, and complete.
• You will promptly update any information that changes so that we can maintain accurate records.
• Your use of our services does not violate any applicable law or regulation.

4. Use of the Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use of the website by, any third party. You specifically agree not to:

• Use the website in any way that could damage, disable, overburden, or impair the website or interfere with any other party's use of the website.
• Attempt to gain unauthorised access to any part of the website, its servers, or connected systems.
• Upload or transmit any malicious code, viruses, or harmful software.
• Scrape, copy, or reproduce any content from the website without our prior written consent.
• Use the website to send unsolicited communications or engage in any fraudulent activity.
• Misrepresent your identity, eligibility, or financial information.

We reserve the right to restrict, suspend, or terminate your access to the website at any time, with or without notice, for any reason, including a breach of these Terms.

5. Loan Application Process

When you submit a loan enquiry or application through our website:

• We will collect the information required to assess your eligibility, including your personal, financial, and employment details.
• We may share your information with one or more partner financial institutions for the purpose of evaluating your application.
• We will communicate the offers available to you, including indicative interest rates, loan amounts, and tenures, based on information received from lenders.
• The final decision to sanction a loan, along with the applicable terms, rests exclusively with the lending institution.
• You are responsible for providing accurate and complete information. Misrepresentation may lead to rejection of your application or cancellation of an approved loan.

Submission of an application does not guarantee loan approval. We do not make any representation or warranty that your loan application will be approved by any lender.

6. Fees and Payments

Our fee structure is transparent and is communicated to you before any service is rendered. Unless otherwise agreed in writing:

• Initial consultation and loan eligibility checks are provided free of charge.
• Fees for dedicated advisory services, where applicable, are disclosed in advance and are payable as agreed.
• We do not charge any fee for the mere submission of a loan application.

All payments, if any, shall be made through the modes specified by us. Any taxes, duties, or levies applicable shall be borne by you unless otherwise stated.

7. Intellectual Property

All content on our website, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Pristine Finserve or its content suppliers and is protected by Indian and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from our website without our prior written permission.

8. Third-Party Services and Links

Our website may include links to third-party websites, tools, or services. These links are provided for your convenience only. We do not control, endorse, or assume any responsibility for the content, products, or services offered by third parties. Your use of third-party services is subject to their own terms and conditions and privacy policies.

9. Calculators and Tools

Any calculators, tools, or estimators available on our website (such as EMI calculators) are provided for general informational purposes only. They provide approximate figures based on the inputs you provide and the assumptions built into the tool. They are not financial advice and should not be the sole basis for any financial decision. Actual loan amounts, interest rates, and EMIs will be determined by the lending institution.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Pristine Finserve, its directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of the website or services, even if we have been advised of the possibility of such damages.

Our total aggregate liability arising out of or in connection with these Terms or your use of the website shall not exceed the amount, if any, paid by you to us in connection with the relevant service during the three (3) months preceding the event giving rise to the liability.

11. Disclaimers

The website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

12. Indemnification

You agree to indemnify, defend, and hold harmless Pristine Finserve, its directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of the website or services.
• Your violation of these Terms.
• Your violation of any rights of a third party.
• Any inaccurate or false information you provide to us.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms or your use of the website shall be subject to the exclusive jurisdiction of the courts located in New Delhi, India, and you irrevocably consent to such jurisdiction.

14. Modifications to the Website and Terms

We reserve the right to modify, suspend, or discontinue any part of the website at any time, with or without notice. We also reserve the right to update these Terms from time to time. Any changes will be effective immediately upon posting on this page. Your continued use of the website after any such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Waiver

Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or of our right to enforce it at any time thereafter. A waiver of any provision shall be effective only if in writing and signed by us.

17. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Pristine Finserve regarding your use of the website and services, and supersede all prior agreements and understandings, whether written or oral.

18. Contact Information

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

Pristine Finserve
RT-89 & 104, Tower C, Urbtech Trade Center, B Block, Sector 132, Noida, Uttar Pradesh-201304
Email: info@pristinefinserve.com
Phone: +91 9899360744