KS Finance Services (KSF) - Website Policies & Legal Terms
By accessing or using the KS Finance Services website, you agree to comply with these Terms and Conditions. These terms govern the relationship between the user and KS Finance Services. Continued use of the website indicates acceptance of these conditions.
KS Finance Services operates as a financial service facilitator and Direct Selling Agent (DSA) working with banks and NBFCs. We assist users in identifying suitable loan and financial products. KS Finance Services does not directly lend money or approve loans.
Users must provide accurate, complete, and truthful information when submitting applications or inquiries. Providing false or misleading details may lead to rejection of services. KS Finance Services reserves the right to verify user information when required.
KS Finance Services reserves the right to update or modify these Terms and Conditions at any time. Changes will be effective once published on the website. Users are encouraged to review the terms periodically.
KS Finance Services may collect personal information such as name, phone number, email address, income details, employment information, PAN, and other KYC data. This information is collected when users apply for services or communicate with our team.
The collected information is used to assess loan eligibility, process applications, and connect users with partner banks or NBFCs. It may also be used for customer service and communication regarding financial services.
KS Finance Services takes reasonable steps to protect user data from unauthorized access or misuse. Security practices are implemented to safeguard personal information during storage and transmission. However, complete security of online data cannot be guaranteed.
User information may be shared with partner banks, NBFCs, and financial institutions for processing loan applications. Data is shared only for service-related purposes and not for unauthorized commercial use.
Information provided on the KS Finance Services website is for general informational purposes only. While we aim to provide accurate and updated information, we do not guarantee completeness or accuracy.
KS Finance Services does not provide legal, investment, or financial advisory services. Users should independently evaluate financial decisions before applying for loans or financial products.
Loan approvals, interest rates, and loan terms are determined solely by banks or NBFCs. KS Finance Services cannot influence or guarantee these decisions.
KS Finance Services may charge service or processing fees for consultation, documentation assistance, and application processing. These fees cover administrative and service-related costs.
Important: All fees paid to KS Finance Services are strictly non-refundable once services are initiated. Payment of service fees does not guarantee loan approval or disbursal.
Users should review all details before making payment. Once payment is completed, it confirms acceptance of the service terms and refund policy.
Loan eligibility depends on factors such as credit score, income level, employment stability, and existing financial obligations. Each bank or NBFC follows its own approval guidelines.
KS Finance Services does not control the approval process or loan conditions set by financial institutions. Approval or rejection decisions are solely determined by the respective lender.
Any loan eligibility calculators or examples displayed on the website are indicative only. Actual loan offers may vary based on lender evaluation.
By submitting your information on our website or forms, you consent to KS Finance Services contacting you regarding financial services. This includes communication related to loan applications and offers.
Users may receive communication via phone calls, SMS, WhatsApp messages, or email from KS Finance Services or partner institutions.
Users may request to stop promotional communication at any time by contacting our support team. However, service-related communication may still be necessary for ongoing applications.
KS Finance Services may offer different processing options such as basic processing, standard processing, or priority service assistance. Each service level may carry a different fee.
Service charges may be subject to applicable GST or government taxes as per Indian tax regulations.
Processing fees are charged for consultation, document verification, and administrative assistance. These fees are independent of the loan approval process.
To comply with financial regulations, users may be required to submit KYC documents such as PAN, Aadhaar, address proof, income proof, and bank statements.
Important: Users must ensure that all submitted documents are genuine and valid. Submission of fraudulent or forged documents may result in service termination and legal action.
All KYC documents are handled securely and used only for verification and loan processing purposes.
KS Finance Services works with multiple banks, NBFCs, and financial service providers. These institutions independently evaluate loan applications and determine approval terms.
Users applying for loans through our platform may also be subject to the policies and terms of the respective financial institutions.
KS Finance Services is not responsible for delays, policy changes, or service disruptions caused by third-party institutions.
KS Finance Services acts only as a facilitator between users and financial institutions. Our role is limited to assisting with applications and documentation.
KS Finance Services shall not be held responsible for loan rejection, delays in approval, or changes in loan terms made by banks or NBFCs.
KS Finance Services is not liable for technical errors, temporary website interruptions, or inaccuracies caused by external systems or data providers.
These policies, terms, and all services provided by KS Finance Services (KSF) shall be governed by and interpreted in accordance with the laws of India. All transactions and service activities conducted through the website are subject to applicable Indian legal and regulatory frameworks.
Any disputes, claims, or legal matters arising from the use of this website or services provided by KS Finance Services shall be subject to the exclusive jurisdiction of the courts located in Maharashtra, India.
Users agree that any disputes related to services, payments, or website usage should first be attempted to be resolved through mutual communication with KS Finance Services. If resolution cannot be achieved, the matter may be pursued through the appropriate legal channels under Indian law.
Last Updated: March 2025
For any questions regarding these terms, please contact us at connect@ksfinanceservices.com