Terms and Conditions

Welcome to PadmaPriya Finance. These terms and conditions outline the rules and regulations for the use of our services.

1. Services Offered

PadmaPriya Finance provides the following services:

• Personal loans
• Business loans
• Home loans
• Vehicle financing
• Investment advisory services

2. Eligibility Criteria

To be eligible for our services, customers must:

• Be at least 18 years of age
• Provide valid identification documents
• Meet our credit assessment criteria
• Have a verifiable source of income

3. Loan Application Process

• Applications must be complete and accurate
• We reserve the right to request additional documentation
• Approval is subject to our credit policies
• False information may lead to application rejection or legal action

4. Interest Rates and Fees

• Interest rates are determined based on risk assessment
• All applicable fees will be disclosed during application
• Rates are subject to change based on market conditions

5. Repayment Terms

• Repayment schedules will be provided upon loan approval
• Late payments may incur additional charges
• Default may lead to legal proceedings

6. Privacy Policy

We are committed to protecting your personal information. All data collected will be:

• Used only for the purpose of providing our services
• Stored securely
• Not shared with third parties without consent, except as required by law

7. Limitation of Liability

PadmaPriya Finance shall not be liable for:

• Any indirect, incidental or consequential damages
• Loss of profits or business opportunities
• Circumstances beyond our reasonable control

8. Amendments

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the new terms.

9. Governing Law

These terms shall be governed by and construed in accordance with the laws of India.