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Terms and Conditions for Zet Banker

Effective Date: 01-01-2025

These Terms and Conditions ("Terms", "Terms and Conditions") govern your use of Zetbanker.com ("website", "we", "us", or "our"). By accessing or using our website, you agree to comply with these Terms. Please read these Terms carefully before using our services.

1. Introduction

At Zetbanker.com, we are a loan consultancy service provider. We provide consultancy services to help you find the best personal or business loan options based on your eligibility criteria. We work as a DSA (Direct Selling Agent) partner of financial institutions in India, including banks and NBFCs (Non-Banking Financial Companies).

Important Notice: We are not a lender. We do not lend money directly or indirectly to customers. We do not make financial decisions or provide loans ourselves. Our services are limited to providing consultancy and recommending lenders based on your eligibility for loans.

2. Services Provided

At Zetbanker.com, we offer comprehensive consultancy services designed to assist individuals and businesses in securing personal and business loans. As a Direct Selling Agent (DSA) partner of various financial institutions, including banks and Non-Banking Financial Companies (NBFCs) in India, we play a crucial role in connecting borrowers with lenders. Our services aim to streamline the loan application process by providing you with expert guidance, eligibility checks, and access to the best loan options based on your needs and financial standing.

Below is a detailed breakdown of the services we provide:

2.1 Eligibility Assessment

We begin by evaluating your eligibility for personal or business loans based on the information you provide. This process helps to determine the types of loan products you may qualify for and allows us to match you with the most suitable lenders. The eligibility assessment includes the following:

Personal Loan Eligibility: For individuals seeking personal loans, we assess key factors such as income, credit score, employment status, and existing financial liabilities to determine whether you meet the requirements of potential lenders.
Business Loan Eligibility: For businesses looking for financing, we evaluate the financial health of your business, including revenue, profitability, existing debts, and business history. This helps us recommend lenders that specialize in business loans and understand the specific requirements of your business.

2.2 Loan Recommendation

Based on the eligibility assessment, we recommend the best lending options suited to your financial profile and needs. Our team helps you understand the various loan products available in the market, such as:

Personal Loans: Unsecured loans for individuals, which do not require collateral. We recommend options based on your income, credit score, and personal financial situation.
Business Loans: Loans for small, medium, and large businesses. We recommend options based on the nature of your business, annual turnover, business type, and the amount of capital required.
Home Loans, Car Loans, and Other Specific Products: Depending on your specific requirements, we may also recommend other types of loans, such as home loans, car loans, and educational loans.

We work with a variety of financial institutions, ensuring that you have access to a broad spectrum of lending products that cater to different borrower needs.

2.3 Application Assistance

Once a suitable loan product is identified, we assist you in filling out the loan application forms accurately and completely. Our services include:

Documentation Guidance: We provide detailed instructions on the documents required for loan applications, such as proof of income, identity proof, address proof, business financials, etc. We ensure that you are fully prepared and your paperwork is in order before submission.
Application Submission: After gathering all the necessary documentation, we submit your application to the selected lenders on your behalf. Our team works closely with the financial institutions to ensure that your application is processed smoothly and without unnecessary delays.
Follow-up Support: After submitting your application, we continuously follow up with the lenders to track the progress of your application and keep you updated on any developments, approvals, or additional requirements.

2.4 Verification Services

To ensure that all submitted information is accurate and meets the criteria set by the lenders, we carry out a verification process. This step is crucial to prevent any discrepancies that could delay or derail the loan approval process. Our verification services include:

Document Verification: We check the authenticity and validity of the documents you provide, ensuring that they align with the lender's requirements.
Financial Verification: We verify your financial details, such as income, bank statements, and existing liabilities, to ensure they are correct and up-to-date.
Credit Score Verification: We may request access to your credit score to verify your creditworthiness. This helps us identify any potential issues with your credit history that may affect your loan approval.

2.5 Loan Processing Liaison

As a Direct Selling Agent (DSA) partner, we serve as an intermediary between you and the financial institutions. Our role in this process includes:

Communication with Lenders: We maintain regular communication with the financial institutions involved in your loan application. This ensures that the process moves forward smoothly and that any additional requirements are met promptly.
Providing Feedback: In case any issues or challenges arise during the loan processing, we communicate these to you and work to resolve them in a timely manner.
Coordinating Loan Sanctioning: Once your loan is approved, we assist in coordinating the final steps of the process, including loan disbursement, terms finalization, and the signing of agreements.

2.6 Loan Product Comparison

We provide you with detailed comparisons of different loan products, allowing you to make an informed decision. Our comparisons take into account:

Interest Rates: We help you understand the interest rates offered by various lenders, ensuring that you choose a product with favorable rates for your financial situation.
Repayment Terms: We compare loan tenure options, monthly EMI amounts, and other terms that may affect the overall cost of the loan.
Additional Fees and Charges: We highlight any additional fees or charges associated with the loan, such as processing fees, prepayment penalties, or late payment charges, so you can assess the true cost of the loan.

2.7 Post-Loan Assistance

Our services do not end once the loan is sanctioned. We also provide support after the loan has been disbursed, which includes:

Loan Repayment Guidance: We assist you in understanding the repayment schedule, EMI structure, and how to make timely payments to avoid penalties and maintain a good relationship with your lender.
Restructuring or Refinancing Support (if applicable): If you face challenges in repaying the loan, we may offer assistance in restructuring or refinancing the loan, helping you to negotiate better terms with the lender.
Future Loan Guidance: As your financial situation evolves, we can provide advice on future borrowing needs and help you navigate additional loan applications if required.

2.8 No Lending Services

It is important to note that while we assist in the loan application process, we do not lend money directly or indirectly to any customer. We are a consultancy service that helps you:

Assess eligibility for loans.
Provide recommendations for suitable lenders.
Assist in the loan application process.

We do not engage in any lending activities ourselves, and we do not charge any interest or provide loans.

3. Information Collected

In order to provide our consultancy services effectively and to assist you in applying for a personal or business loan, we collect the following types of information. This data is necessary to assess your eligibility, verify your application, and connect you with potential lenders.

We take your privacy seriously and handle all collected information with utmost care. Below are the key categories of information we collect:

3.1 Personal Information

We collect basic personal details to identify and communicate with you. This may include, but is not limited to:

Full Name: To identify you and process your loan application.
Contact Information: Such as phone number, email address, and residential address, for communication purposes and to share important updates regarding your loan application.
Date of Birth: To verify your age and assess your eligibility for loan products.
Gender: To help tailor loan recommendations and offers.
Identification Numbers: This may include government-issued IDs such as:
- Aadhaar Number (for Indian residents): To verify your identity and ensure compliance with KYC (Know Your Customer) norms.
- PAN (Permanent Account Number): For tax and financial verification, as it is often required by financial institutions for loan approval.
- Passport Number, Voter ID, or Driver's License (if applicable): For identity verification.

3.2 Financial Information

To assess your ability to repay a loan, we collect details related to your financial status. This helps us evaluate your eligibility for different loan products and recommend the best lenders based on your financial situation. The financial information we may collect includes:

Income Details: This may include your salary, business income, income from investments, or any other source of income. This helps determine your repayment capacity.
Tax Returns/ITR (Income Tax Returns): To verify your annual income and assess your financial profile.
Bank Statements: Typically required for the last 3 to 6 months to assess your cash flow, savings, and spending habits. These help lenders verify your financial standing.
Credit Score: We may collect your credit score (often through credit agencies like CIBIL, Experian, or others) to assess your creditworthiness. This is an important factor in loan approval.
Existing Loans and Liabilities: Information about any current debts, including personal loans, home loans, credit card balances, etc. This helps assess your debt-to-income ratio.
Assets and Property Ownership: If applicable, we may collect information on your property ownership, investments, or other assets to help lenders evaluate your financial stability and security.
Expenses/Financial Obligations: This may include monthly living expenses, loan EMIs (Equated Monthly Installments), and other ongoing financial commitments.

3.3 Professional Information

This section collects data related to your employment or business status, especially if you are applying for a business loan. The professional information helps lenders assess your stability and ability to repay the loan. This may include:

Employment Status: Whether you are employed, self-employed, a freelancer, or a business owner. This helps us recommend suitable loan options.
Employer Details: If you are employed, we may collect the name of your employer, designation, and the length of your employment. This helps lenders assess job stability.
Monthly/Annual Salary: For employed individuals, we may collect salary details (often backed by pay slips or employer declarations) to evaluate your loan eligibility.
Business Information (for business loans): If you are seeking a business loan, we will collect details about your business, including:
- Business Name and Type: This includes information about whether your business is a sole proprietorship, partnership, or private limited company.
- Years in Operation: The duration for which your business has been operating. Established businesses may be seen as less risky by lenders.
- Business Revenue/Profit: We may collect financial statements, income records, or profit and loss statements to understand your business's financial health.
- GST Registration Number (if applicable): For businesses registered under GST, this helps lenders verify your business operations.
- Business Expenses and Liabilities: We may also inquire about the operating costs of your business and any existing financial obligations or debts.
Professional Credentials/Experience: This may include your qualifications, years of experience, or any certifications that demonstrate your expertise in your field or business sector.

3.4 Other Information

In addition to the primary categories above, we may collect certain additional information as needed to ensure we provide the best service and to comply with regulatory requirements:

References: We may ask for the names and contact details of professional or personal references, if required by financial institutions for the loan application process.
Social Media or Online Presence: If relevant, we may gather details about your professional or business presence on platforms such as LinkedIn or your company’s website to verify your professional status or business credentials.
Loan Preferences: Information regarding the loan amount, tenure, and the type of loan you are seeking, which helps us connect you with the right lenders offering products that suit your needs.
Consent for Credit Check: If required by lenders, we may obtain your consent to run a credit check or report with authorized credit agencies to assess your creditworthiness.

3.5 Usage of Collected Data

The information you provide is used exclusively for the purpose of:

Assessing your eligibility for a personal or business loan.
Verifying your financial details to ensure that they meet the requirements of potential lenders.
Sharing your information with lenders (banks, NBFCs, etc.) as part of the loan application process.
Providing recommendations and consultancy services based on your financial profile.
Communicating with you about your loan application status and progress.
Ensuring compliance with applicable regulations, including KYC (Know Your Customer) and AML (Anti-Money Laundering) standards.

We will not use your information for any purposes other than those mentioned above unless required by law or with your express consent.

4. Use of Information

The information we collect from you, whether personal, financial, or professional, is crucial for providing the services we offer. It helps us assess your eligibility for personal or business loans, recommend suitable lenders, and facilitate the loan application process. The data is used in a responsible, secure, and compliant manner to ensure that you receive the best consultancy services tailored to your financial needs.

Below is a detailed description of how the information we collect is used:

4.1 Loan Eligibility Assessment

We use the personal, financial, and professional information you provide to assess your eligibility for various loan products. This includes:

Personal Information (e.g., name, age, gender, and contact details) to verify your identity and determine if you meet the basic eligibility criteria set by potential lenders.
Financial Information (e.g., income, bank statements, credit score, and existing liabilities) to evaluate your ability to repay a loan and to ensure that you are matched with the most appropriate loan products based on your financial health.
Professional Information (e.g., employment status, business income) to assess your job stability or the financial health of your business, which helps lenders make an informed decision about loan approval.

4.2 Loan Product Recommendations

Once we have assessed your eligibility, the collected information is used to recommend the best loan products for your needs. This includes:

Matching Loan Products: Based on your income, credit score, and financial situation, we recommend personal loans, business loans, or other types of loans that are suitable for you.
Identifying Suitable Lenders: We use your financial information to match you with the appropriate lenders, such as banks or NBFCs, who offer loan products that align with your needs and eligibility.

4.3 Application Processing and Submission

We use the information provided to complete and submit your loan application to lenders. This includes:

Filling Out Loan Applications: The personal, financial, and professional information you share helps us fill out your loan application forms correctly and accurately, ensuring that all required fields are completed.
Document Verification: The documents you provide (e.g., proof of identity, proof of income, and financial statements) are used to verify your details as part of the application process. We ensure that your application meets the requirements of the lenders to prevent delays.
Communicating with Lenders: Your information is shared with the financial institutions to facilitate the loan approval process. We may need to communicate with the lenders to clarify or provide additional information on your behalf.

4.4 Improving Our Services

The data collected is used to improve the services we provide. This includes:

Analyzing Trends and Patterns: We analyze the types of loan products that are most frequently requested and how we can better tailor our services to match customer needs. This helps us stay updated with the latest market trends and offer you the most relevant recommendations.
Feedback and Service Improvement: We may use your feedback and information to enhance our consultancy services, improve user experience, and provide more personalized loan recommendations in the future.
Customer Support and Assistance: We use your information to respond to any inquiries or issues you may have regarding your loan application, as well as to provide additional support throughout the loan process.

4.5 Communication and Updates

We use the information you provide to keep you informed throughout the loan process and beyond. This includes:

Status Updates: We communicate with you regarding the status of your loan application, any documents required, or additional steps to take.
Offers and Promotions: From time to time, we may send you information on loan products, promotional offers, or other services that may interest you based on the information we have gathered. You can opt-out of such communications at any time.
Important Notices: We may contact you for important updates, such as changes to our terms, privacy policy, or service updates.

4.6 Legal and Regulatory Compliance

We are committed to complying with all relevant laws and regulations regarding data protection, privacy, and financial services. Your information may be used for the following purposes:

KYC (Know Your Customer) Compliance: We may use your personal and financial details to verify your identity and ensure compliance with KYC requirements set by financial institutions and regulatory authorities.
AML (Anti-Money Laundering) Compliance: To meet regulatory obligations, we may use your information for anti-money laundering checks to detect and prevent fraud, money laundering, or any illegal financial activities.
Record Keeping: Your information may be stored for record-keeping purposes, ensuring that we comply with legal and regulatory requirements.

4.7 Sharing of Information with Third Parties

We may share your information with third parties under the following circumstances:

With Lenders: We share your details with financial institutions (banks, NBFCs, etc.) to process your loan application, verify your financial standing, and determine your loan eligibility.
With Service Providers: We may share your data with third-party service providers who help us process your loan application, such as verification agencies, credit bureaus, and document processing services.
With Legal Authorities: In certain cases, we may be required to share your information with legal authorities if mandated by law or to comply with regulatory requirements, such as KYC or AML obligations.
With Your Consent: We may share your information with other third parties only if you give explicit consent for such sharing.

4.8 Data Security

We take all necessary steps to safeguard your information and ensure it is used only for the purposes outlined in this agreement. We use secure technologies and procedures to protect your personal, financial, and professional information from unauthorized access, alteration, or disclosure. However, please note that no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

4.9 Retention of Information

We will retain your information for as long as it is necessary to fulfill the purposes outlined in this Privacy Policy and Terms of Service. We will keep your data in accordance with the applicable legal or regulatory requirements. If you choose to withdraw your consent or discontinue the loan application process, we may retain certain information for record-keeping purposes as required by law.

5. Data Sharing

We understand the importance of privacy and confidentiality when it comes to your personal, financial, and professional data. However, in order to fulfill the services we provide, it is necessary for us to share certain information with trusted third parties. This section explains the circumstances under which we share your data, how we protect your privacy, and the steps we take to ensure that your data is handled securely and responsibly.

5.1 Sharing with Lenders

As a Direct Selling Agent (DSA) partner, we share your information with financial institutions, including banks and Non-Banking Financial Companies (NBFCs), to process your loan application. This sharing of data allows lenders to assess your eligibility for loans and make decisions based on the information you have provided. The information shared may include:

Personal Information: Full name, contact details, identification proofs.
Financial Information: Income details, credit score, bank statements, and any other financial data necessary to assess your loan eligibility.
Professional Information: Employment details or business financials (in case of business loans).

We ensure that this sharing of data is in compliance with the privacy policies of the respective lenders, and we take reasonable steps to protect your information.

5.2 Third-Party Service Providers

We may share your information with third-party service providers who assist us in the delivery of our consultancy services. These providers may include:

Verification Agencies: To validate your personal, financial, and professional details and to conduct background checks (e.g., credit bureaus, income verification services).
Document Processing Services: Companies that help in collecting, storing, and transmitting the necessary documentation to lenders for loan processing.
Technology and Hosting Providers: To ensure that our website and services are hosted securely and function properly.

These third-party service providers are required to adhere to strict data protection and privacy standards to ensure that your information is handled with the utmost care.

5.3 Compliance with Legal and Regulatory Requirements

We may disclose your personal, financial, or professional information to regulatory bodies, law enforcement authorities, or other third parties if required to do so by law, regulation, or legal process. This may include:

KYC (Know Your Customer) Requirements: Financial institutions require KYC information for verification purposes. We may share necessary documents and details to help you meet these requirements.
AML (Anti-Money Laundering) Compliance: We may share your information to comply with Anti-Money Laundering regulations to prevent fraudulent activities or money laundering.
Court Orders or Legal Requests: In case we are required by law to disclose your data as part of a legal process, such as a subpoena, court order, or other legal request, we may share your data with the relevant authorities.

5.4 Data Sharing with Business Partners

We may share your information with selected business partners who are involved in the provision of financial products and services related to loans. These partners may include:

Financial Advisors: In case you request additional consultancy services from financial advisors, we may share certain information to provide tailored financial advice.
Insurance Providers: If you seek loans that require insurance coverage, we may share certain details with insurance companies to facilitate the necessary policies.
Other Partners for Promotional Offers: We may share your information with trusted partners for marketing or promotional offers that we believe may be of interest to you. However, we will always offer you the option to opt-out of such communications.

These partners are obligated to use your information solely for the purposes for which it was shared, and they must also adhere to appropriate privacy and security standards.

5.5 Consent-Based Sharing

In some cases, we may ask for your explicit consent before sharing your data with third parties. This may include:

Sharing for Marketing or Promotional Purposes: If we wish to share your information for marketing or promotional activities that are not directly related to your loan application, we will request your explicit consent.
Sharing with Other Financial Institutions or Lenders: In cases where you may be interested in exploring additional loan options, we may seek your consent to share your data with other lenders or financial institutions.

You have the right to withdraw your consent at any time, and we will respect your preferences regarding the sharing of your data.

5.6 Data Sharing Outside of India

In some cases, the service providers, partners, or lenders with whom we share your data may operate from locations outside of India. We ensure that any data shared internationally is protected by adequate data protection measures, and we comply with applicable data protection laws to safeguard your information.

5.7 Data Security and Confidentiality

When we share your data with third parties, we take steps to ensure that the data is handled securely. This includes:

Non-Disclosure Agreements (NDAs): We may enter into legal agreements with third parties to ensure that your data is kept confidential and is only used for the purposes outlined in this Terms of Service and Privacy Policy.
Encryption and Secure Data Transmission: We ensure that all data shared is transmitted securely using encryption technologies and secure communication protocols.

We also conduct regular audits to ensure that our partners and service providers are compliant with data protection standards.

5.8 Data Minimization

We strive to only share the minimum amount of information necessary for fulfilling the services you have requested. We ensure that third parties only have access to the information required to process your loan application and related services. This helps reduce the risk of unnecessary exposure of your personal and financial data.

5.9 Retention of Data by Third Parties

Once your data is shared with third parties, it is retained by them according to their respective privacy policies and retention periods. We encourage you to review the privacy policies of these third parties to understand how your data will be stored, used, and protected by them.

6. Your Responsibilities

As a user of our services, you have certain responsibilities to ensure that your loan application and other related processes proceed smoothly. It is important that you provide accurate, complete, and truthful information to avoid any delays or complications. By using our services, you agree to take on the following responsibilities:

6.1 Provide Accurate and Complete Information

You are responsible for ensuring that all the personal, financial, and professional information you provide is accurate, complete, and up-to-date. This includes, but is not limited to:

Personal Details: Full name, contact information, identification proofs, and address details.
Financial Details: Income, bank account details, existing liabilities, credit score, and other relevant financial information.
Professional Information: Employment status, business details (for business loans), and other related professional data.

Failure to provide accurate and complete information may result in delays, rejections, or difficulties in the loan application process. You should also promptly update us if any of your details change during the loan application process.

6.2 Keep Your Documents Up-to-Date

You are responsible for providing and maintaining valid and up-to-date documentation required for loan eligibility verification. This may include:

Proof of Identity: Passport, Aadhar Card, Voter ID, etc.
Proof of Income: Pay slips, bank statements, tax returns, or any other documents that confirm your income.
Credit Reports: If necessary, you must authorize credit bureaus to release your credit reports.
Proof of Address: Utility bills, rental agreements, etc.

If any of these documents become outdated or inaccurate, it could delay your loan application or cause complications in processing.

6.3 Comply with Lender’s Requirements

Once your loan application is submitted, it is your responsibility to comply with the specific requirements set by the lender (banks, NBFCs, etc.). This includes:

Responding to Lender Queries: If the lender requires additional documentation or information, you must respond promptly to avoid delays in the approval process.
Meeting Eligibility Criteria: You are responsible for ensuring that you meet the basic eligibility criteria for the loan you are applying for. We will assist you in evaluating your eligibility based on the information you provide.

If you fail to meet the lender’s requirements, your application may be rejected, and we are not responsible for any negative outcomes resulting from such issues.

6.4 Provide Timely and Honest Communication

Clear and timely communication is essential throughout the loan application process. You are responsible for:

Responding to Communication: Respond to any communication from us or the lender in a timely manner, whether by phone, email, or other communication channels.
Honesty in Communication: Provide honest and transparent communication at all stages. If there are any changes to your financial situation or personal circumstances, you must inform us immediately.
Non-Disclosure of Confidential Information: You should refrain from sharing any confidential information related to your loan application with unauthorized third parties.

Failure to communicate effectively or dishonestly providing information could lead to complications in processing or the denial of your loan application.

6.5 Maintain Privacy and Security of Your Account

If you have created an account on our website or use our services via any secure login system, you are responsible for:

Keeping Your Account Secure: Ensure that your account credentials, including passwords and login details, are kept secure and confidential. You are solely responsible for any actions taken on your account.
Not Sharing Your Login Information: Do not share your login credentials with anyone. If you suspect that your account has been compromised, inform us immediately.
Updating Your Details: Regularly update your contact and account details to keep your account secure and functioning properly.

Any unauthorized access or misuse of your account is your responsibility unless it is due to our negligence or a security breach on our part.

6.6 Understand the Loan Terms and Conditions

Before proceeding with any loan application, it is important that you carefully read and understand the loan terms and conditions provided by the lender. You are responsible for:

Reviewing Loan Terms: Ensure that you understand the interest rates, repayment schedule, fees, and other terms before accepting the loan offer.
Repayment Obligations: Make sure you are aware of the repayment terms and your ability to meet the loan repayment schedule.

We provide consultancy to help you select the most suitable loan, but the ultimate responsibility for understanding and agreeing to the loan terms lies with you.

6.7 Respect the Process and Timelines

Loan processing can involve multiple steps and third-party coordination. You are responsible for:

Adhering to Timelines: Ensure that you submit any required documents or information promptly and meet any deadlines provided by us or the lender.
Following Loan Procedures: Follow the necessary procedures as instructed by us or the lender, including document submissions, identity verification, and any other related steps.

Delays or failure to follow the process may result in the cancellation of your loan application or denial by the lender.

6.8 Acknowledge and Accept the Risks Involved

By applying for a loan through our consultancy services, you acknowledge and accept the risks involved, including:

Credit Risk: Understand that your loan application approval is subject to the lender’s decision, which depends on your creditworthiness and other financial factors.
Interest Rates and Fees: Recognize that interest rates, fees, and charges may vary based on the loan type, the lender’s policies, and your financial profile.
Default Consequences: You acknowledge that if you fail to repay the loan as agreed, it may lead to penalties, increased debt, or legal action by the lender.

You are responsible for understanding these risks and ensuring that you are capable of repaying the loan before applying.

6.9 Ensure the Authenticity of the Data Shared

You are responsible for ensuring that all the data you provide, whether personal, financial, or professional, is authentic and legally valid. Any attempt to falsify information or provide misleading data may result in the rejection of your loan application or legal consequences. We are not liable for any issues arising from the submission of fraudulent information.

6.10 Legal Compliance

It is your responsibility to comply with all applicable laws and regulations while using our services. This includes:

Adherence to Financial Regulations: Ensure that all financial transactions and the loan process comply with local, state, and national regulations.
Compliance with Data Protection Laws: Follow data protection laws and only share information that is legally required for processing your loan application.

7.Disclaimer

The information and services provided on this website are intended for general informational purposes only. While we strive to offer accurate and up-to-date content, we do not guarantee the accuracy, completeness, or reliability of any information presented. Our role is to assist you in connecting with potential lenders and providing consultancy services based on your eligibility. We do not provide direct loans or financial products. The decision to approve or deny any loan application rests solely with the lending institutions, and we are not responsible for any outcomes related to loan approvals, rejections, or terms set by the lenders. Users are encouraged to carefully review all terms and conditions of any loan before proceeding, and to seek independent financial advice as needed. We are not liable for any loss or damage arising from reliance on any information provided through this website.

8. Limitation of Liability

To the fullest extent permitted by law, [Your Company Name], its affiliates, officers, employees, or agents will not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

Your use of, or inability to use, our services.
Any errors, inaccuracies, or omissions in the information provided.
Any decisions made by you or financial institutions based on our consultancy services.

9. Indemnity

You agree to indemnify and hold [Your Company Name], its affiliates, officers, employees, and agents harmless from any claims, losses, damages, liabilities, and expenses arising from your breach of these Terms or any use of our services that violates any applicable law or regulation.

10. Changes to Terms

We reserve the right to modify or update these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website. Your continued use of our services after such changes will be deemed your acceptance of the updated Terms.

11. Termination

We may suspend or terminate your access to our services at our discretion, without notice, if you violate these Terms or for any other reason. Upon termination, all rights and licenses granted to you will cease.

12. Governing Law

These Terms and any disputes arising from your use of our services will be governed by the laws of India. Any legal action or proceeding related to these Terms shall be brought exclusively in the courts located in [Your Location], India.

13. Contact Us

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

Zet Banker
support@zetbanker.com