Terms & Conditions

1. Definitions & Platform Status

“NB Capital”, “we”, “us”, or “our” refers to the financial services, loan distribution, and referral desk operating from Ahmedabad, Gujarat, India.

“User”, “Applicant”, “Borrower”, or “You” refers to any individual, self-employed professional, business entity, partnership, LLP, private limited company, or representative who browses the platform or submits details for financial distribution facilitation.

“Lending Partners” refers to commercial banks, Non-Banking Financial Companies (NBFCs), Housing Finance Companies (HFCs), and institutional financiers regulated by the Reserve Bank of India (RBI) with whom NB Capital may liaise as a channel partner or direct selling agent.

2. User Eligibility

By accessing this Platform or submitting an enquiry, you warrant and represent that:

• You are at least 18 (eighteen) years of age.
• You are a citizen of India, a Non-Resident Indian (NRI) eligible for Indian property/retail loans, or an authorized representative of a legally registered Indian business entity.
• You possess the legal competence and capacity to enter into legally enforceable contracts under the Indian Contract Act, 1872.
• You are not barred or legally incapacitated from obtaining credit under applicable Indian laws, bankruptcy statutes, or RBI wilful defaulter lists.

3. Nature of Enquiries & Non-Guarantee of Credit

No Guarantee of Sanction or Terms: Submission of an enquiry form, contact form, calculator result, or preliminary profile evaluation does not constitute a loan application, formal sanction, or legal promise of credit.

All credit approvals, sanctions, loan tenures, loan-to-value (LTV) limits, floating/fixed interest rates, processing charges, legal scrutiny fees, and disbursement schedules remain at the sole and unfettered discretion of the respective Lending Partners. NB Capital does not guarantee, warranty, or represent that:

• Your requirement will be sanctioned or accepted by any lender.
• A specific interest rate, pricing discount, or processing fee waiver will be provided.
• Processing will be completed within any fixed timeframe.

4. User Covenants & Document Authenticity

In utilizing our services, you strictly covenant and agree that:

• Truthfulness and Authenticity: All personal details, KYC credentials (PAN, Aadhaar), employment information, income statements, ITR filings, audited financial statements, property titles, and collateral records submitted are genuine, accurate, authentic, and complete.
• Zero Tolerance for Forgery: Submitting fabricated, counterfeit, forged, or stolen documents is an offence under Indian law. Any discovered falsification will lead to immediate cancellation of service, cancellation of lender processing, blacklisting, and potential reporting to law enforcement agencies and credit information bureaus.
• No Unlawful Use: You will not use this platform to fund illegal activities, money laundering, fraud, or actions prohibited by the Prevention of Money Laundering Act (PMLA), 2002.

5. Consent for Credit Verification & Communication (DND Override)

By submitting an enquiry or registering your mobile number and email on this Platform, you expressly and unconditionally:

• Authorize NB Capital and its verified Lending Partners to contact you via telephone calls, SMS messages, WhatsApp, and emails regarding loan solutions, application follow-ups, and documentation requests.
• Confirm that this authorization constitutes an explicit request under Telecom Regulatory Authority of India (TRAI) regulations and shall override any registration of your number on the National Customer Preference Register (NCPR) or Do Not Call (DND) registries.
• Authorize our partner institutions to verify submitted documents, conduct field verification, contact references or employers where required for underwriting, and pull credit information reports from authorized Credit Information Companies (CIBIL, Equifax, Experian, CRIF High Mark) in compliance with the Credit Information Companies (Regulation) Act, 2005.

6. Direct Selling Agents (DSA) & Channel Partners

Individuals or commercial entities registering as DSA partners or channel partners agree to conduct business with the utmost integrity, adhering to RBI fair practices codes, data protection norms, and anti-bribery standards.

Payouts, referral fees, and commissions are contingent exclusively upon successful loan disbursements confirmed by Lending Partners and are governed by dedicated channel partner agreements, subject to TDS deductions under the Income Tax Act, 1961. DSAs shall never solicit or accept cash payments from borrowers.

7. Intellectual Property Rights

All content, layout, design, software, calculators, brand logos, marks, scripts, typography, text, and artwork on this Platform are the proprietary property of NB Capital or its licensors and are protected under Indian copyright, trademark, and intellectual property laws.

No user may scrape, duplicate, distribute, reverse-engineer, frame, reproduce, or commercially exploit any material from this website without the express prior written consent of NB Capital.

8. Indemnification

You agree to defend, indemnify, and hold harmless NB Capital, its proprietors, partners, directors, executives, employees, agents, representatives, licensors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal and attorney fees) arising out of or related to:

• Your breach or violation of any provision of these Terms & Conditions.
• Any misrepresentation, fraudulent document submission, or inaccurate information provided by you.
• Your default, dispute, or non-compliance regarding any loan agreement entered into with a Lending Partner.
• Your infringement of any third-party intellectual property, privacy, or legal rights.

9. Limitation of Liability

To the fullest extent permitted by Indian law, NB Capital disclaims all liability for any indirect, punitive, special, incidental, or consequential damages resulting from platform access, lender decisions, loan rejections, system downtime, technical glitches, or reliance on informational calculators.

In all events, the total aggregate liability of NB Capital for any direct claim arising under these Terms shall not exceed ₹1,000 (Rupees One Thousand Only).

10. Governing Law & Exclusive Ahmedabad Jurisdiction

These Terms & Conditions, and any claim, controversy, or dispute arising out of or relating to your use of this platform, services, or communications with NB Capital, shall be governed by, interpreted, and construed in accordance with the substantive laws of India.

11. Modifications & Updates

NB Capital reserves the right to amend, revise, or modify these Terms & Conditions at any time to reflect operational, regulatory, or legal changes. Continued use of the platform after updates are posted constitutes acceptance of the modified Terms.

12. Grievance Redressal & Communication

For complaints, grievances, or legal communications regarding these Terms, please contact: