TERMS & CONDITIONS

Ganpati Finance

1. Role of Ganpati Finance
   Ganpati Finance is a financial consultancy and facilitation service provider. We assist customers in loan processing with NBFCs. Final approval, sanction amount, interest rate, and tenure are solely at the discretion of the respective NBFC company.

2. Loan Approval
   Loan approval is subject to eligibility, credit score (CIBIL), income assessment, document verification, and bank policies. Ganpati Finance does not guarantee loan sanction without eligibility.

3. Documents Responsibility
   The applicant must provide complete, genuine, and correct documents. Any discrepancy, fake document, or misrepresentation may result in loan rejection and legal action by the company.

4. Processing & Service Charges
   Processing fees, service charges, GST, or any other charges (if applicable) are non-refundable once the file is submitted to the company.

5. Interest Rate & EMI
   Interest rates, EMI amount, prepayment charges, and foreclosure rules are governed by the lending institution and may change as per their policies.

6. Rejection / Delay
   Ganpati Finance is not responsible for loan rejection or delay due to:

   • Poor credit history

   • Incomplete documents

   • Bank/NBFC internal policies

   • Customer behavior or non-cooperation

7. Customer Conduct
   Any misbehavior, abuse, or unethical conduct with staff or bank officials may lead to immediate cancellation of the loan application.

8. Refund Policy
   Fees paid for consultancy, documentation, or processing are non-refundable once work has started or the case is logged with the bank.

9. Data Privacy
   Customer data will be used only for loan processing and shared with company as required. We do not sell customer data to third parties.

10. Jurisdiction
    All disputes shall be subject to the jurisdiction of the local courts only.