Terms

— TERMS & CONDITIONS —

(Full Content)

1. Introduction

Welcome to Loan Point, located at Shop No. 57, Alibhai Tower, Shivaji Nagar, Nanded, Maharashtra – 431602 (“Loan Point”, “Company”, “we”, “us”, or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, services, digital communication platforms including WhatsApp Official Business API and Rich Communication Services (RCS), and related financial facilitation services.

By accessing or using our services, you agree to be legally bound by these Terms. If you do not agree, you must refrain from using our services.

These Terms are drafted in compliance with the Indian Contract Act, 1872, the Information Technology Act, 2000 (as amended), RBI guidelines (where applicable), and Meta & telecom regulatory communication policies.

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2. Definitions

For the purpose of these Terms:

• “User” / “You” means any individual or entity accessing or using services of Loan Point.
• “Services” means loan facilitation, financial consultation, documentation support, customer communication via WhatsApp & RCS, and related services.
• “Platform” includes website, mobile communication channels, WhatsApp Business API, RCS, SMS, and email.
• “Applicable Law” refers to laws of India including IT Act 2000 and related regulations.
• “Third-Party Provider” means banks, NBFCs, financial institutions, Meta Platforms Inc., telecom providers, etc.

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3. Acceptance of Terms

By accessing Loan Point services, you:

• Confirm you have read and understood these Terms.
• Agree to comply with all applicable laws.
• Consent to communication via digital channels including WhatsApp and RCS.
• Confirm that information provided is accurate and lawful.

Continued use of services constitutes ongoing acceptance of these Terms.

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4. Description of Services

Loan Point operates as a loan facilitation and financial assistance service provider. We assist customers in:

• Identifying suitable loan products
• Connecting with partner banks/NBFCs
• Assisting in documentation
• Providing updates via digital communication channels
• Customer support via WhatsApp Business API & RCS

Loan Point does not act as a lender unless explicitly stated. Final loan approval rests solely with the respective bank or NBFC.

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5. Eligibility

To use Loan Point services, you must:

• Be at least 18 years old
• Be legally competent to contract under Indian law
• Provide valid identification and accurate information
• Not use services for unlawful or fraudulent purposes

We reserve the right to refuse service to anyone violating eligibility criteria.

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6. Account Registration

Some services may require:

• Submission of personal details
• KYC documentation
• Mobile verification via OTP
• Email confirmation

You agree to maintain confidentiality of login credentials and OTPs. Loan Point shall not be liable for unauthorized access resulting from your negligence.

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7. User Responsibilities

You agree:

• Not to submit false information
• Not to misuse communication channels
• Not to engage in spam, abusive, fraudulent, or illegal activity
• To comply with RBI and financial regulatory requirements
• To provide updated information when required

Misuse may result in suspension or legal action.

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8. Payment & Billing Terms

Loan Point may charge:

• Service fees
• Consultation charges
• Processing assistance fees

All charges will be transparently communicated before acceptance. Payments must be made via authorized payment channels.

Loan approval fees charged by banks/NBFCs are separate and not controlled by Loan Point.

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9. Subscription Renewal & Termination

If subscription-based services are offered:

• Fees may be recurring unless cancelled.
• Users may terminate services by written notice.
• Loan Point reserves the right to suspend services for breach.

Termination does not waive outstanding payment obligations.

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10. Use of WhatsApp Official API & RCS

Loan Point uses:

• Meta WhatsApp Business API
• Google RCS Messaging

By engaging with us, you consent to:

• Receiving transactional messages
• OTP verifications
• Loan updates
• Service notifications

We strictly follow:

• Meta Business Messaging Policy
• TRAI regulations
• Anti-spam compliance
• Opt-in/opt-out protocols

Users may opt out anytime by replying “STOP”.

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11. Message Delivery & Compliance Policy

Loan Point ensures:

• No unsolicited promotional spam
• Messages only after user consent
• Secure message transmission
• Transparent sender identification

Delivery may depend on:

• Network availability
• User device compatibility
• Third-party provider uptime

We are not liable for delays caused by telecom or Meta platform outages.

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12. Intellectual Property Rights

All content including:

• Logos
• Branding
• Website materials
• Communication templates
• Documentation formats

Are the intellectual property of Loan Point unless otherwise stated.

Unauthorized copying, distribution, or reproduction is prohibited.

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13. Confidentiality

Loan Point maintains confidentiality of:

• Financial documents
• Personal identification
• Communication data

Disclosure occurs only:

• With user consent
• To partner institutions
• When required by law

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14. Disclaimer of Warranties

Loan Point provides services on an “as-is” and “as-available” basis.

We do not guarantee:

• Loan approval
• Specific interest rates
• Platform uptime without interruption
• Error-free communications

Financial decisions remain the sole responsibility of the user.

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15. Limitation of Liability

To the maximum extent permitted under Indian law:

Loan Point shall not be liable for:

• Loan rejection
• Financial loss
• Indirect damages
• Data transmission errors beyond our control
• Third-party service interruptions

Total liability shall not exceed service fees paid to Loan Point.

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16. Indemnification

You agree to indemnify Loan Point against:

• Legal claims arising from false information
• Regulatory violations
• Fraudulent conduct
• Breach of these Terms

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17. Governing Law (India)

These Terms shall be governed by laws of India.

Jurisdiction: Courts of Nanded, Maharashtra shall have exclusive jurisdiction.

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18. Changes to Terms

Loan Point may update these Terms periodically.

Revised Terms will be published on the website.

Continued usage implies acceptance of revised Terms.

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19. Contact Information

Loan Point
Shop No. 57, Alibhai Tower
Shivaji Nagar, Nanded
Maharashtra – 431602
Email: Arvindpatil555999@gmail.com
Contact: 9545555999