Terms & Conditions

RIRA CAPITAL

Powered by RJ Finserv Solutions Private Limited

Effective Date: 10 October 2026

1. Acceptance of Terms

By accessing our website or using our services, you agree to comply with these Terms & Conditions.

2. Company Introduction

RIRA CAPITAL is powered by RJ Finserv Solutions Private Limited and facilitates loan assistance services through lending partners.

3. Nature of Business

The Company operates as a loan assistance facilitator / Corporate Direct Selling Agent (DSA), as applicable. The Company is not itself a bank or NBFC unless separately authorized to operate in that capacity.

4. Eligibility

Loan applicants must meet the eligibility requirements established by the respective lender, including applicable age, income, employment, and credit criteria.

5. Accuracy of Information

Customers must provide accurate, complete, and current information in their applications.

6. False Information

Submitting false documents, incorrect income details, or misleading information may result in application rejection or further action under applicable law.

7. Loan Application Submission

Submitting an enquiry or application does not guarantee loan approval or disbursal.

8. Loan Approval

Final approval rests solely with the concerned bank, NBFC, or other authorized lending institution.

9. Loan Amount

The eligible loan amount depends on the lender’s assessment, the applicant’s income, credit profile, repayment capacity, and applicable policies.

10. Interest Rates

Interest rates are determined by the relevant lender and may vary according to the customer’s profile and selected loan product.

11. Processing Fees

Any applicable processing fee or other charge will be determined and disclosed by the relevant service provider or lender before the customer proceeds.

12. No Unauthorized Charges

Customers should verify all charges through official channels. No payment should be made to an individual’s personal account based on an unverified loan offer.

13. Loan Disbursal Timeline

Any advertised approval or disbursal time is indicative and is not a guarantee. Actual timelines depend on verification, lender procedures, and banking processes.

14. Credit Score

A customer’s credit score may influence eligibility, pricing, and approval. Meeting a stated credit-score threshold does not guarantee approval.

15. KYC Verification

Applicants may be required to complete identity, address, PAN, and other applicable KYC verification procedures.

16. Document Submission

Customers must provide genuine and valid documents requested through authorized channels.

17. Credit Bureau Authorization

Credit bureau access, where required, will be conducted by the authorized entity in accordance with applicable law and the consent obtained.

18. Customer Consent

By submitting an application, customers consent to being contacted about their enquiry and to the processing or sharing of their information as permitted by applicable law and the consent obtained.

19. Communication

The Company may communicate with customers through phone calls, SMS, email, WhatsApp, or other permitted channels for application-related purposes and other communications for which appropriate consent has been obtained.

20. Third-Party Lenders

Loan applications may be facilitated through banks, NBFCs, and other authorized lending partners. Each partner may have separate eligibility criteria and contractual terms.

21. Third-Party Websites

Our website may contain links to third-party websites or application platforms. The terms and privacy practices of those platforms are governed by their respective policies.

22. Customer Responsibility

Customers must read and understand the lender’s loan offer, Key Facts Statement (KFS), sanction letter, repayment schedule, and loan agreement before accepting a loan.

23. EMI and Repayment

Repayment amounts, instalment dates, tenure, and repayment methods are determined by the lender and stated in the applicable loan documents.

24. Late Payment

Late-payment charges, penal charges, and consequences of missed instalments are governed by the lender’s agreement and applicable law.

25. Loan Cancellation

Loan cancellation, withdrawal, or closure requests are subject to the relevant lender’s policies and the stage of the application or loan.

26. Application Rejection

A lender may reject an application based on its assessment, verification results, eligibility criteria, or internal policies.

27. No Guarantee of Financial Outcome

The Company does not guarantee loan approval, a specific interest rate, a particular loan amount, or a fixed disbursal timeline.

28. Privacy Policy

The collection, use, storage, and sharing of personal information are subject to our Privacy Policy and applicable data protection laws.

29. Data Security

The Company will take reasonable measures to protect personal information within its control. However, no electronic transmission or storage system can be guaranteed to be completely secure.

30. Data Sharing

Customer information may be shared with relevant lending partners, verification providers, or service providers where necessary and legally permitted, subject to applicable consent and legal requirements.

31. Prohibited Activities

Users must not use the website for fraud, impersonation, unlawful activities, unauthorized access, or submission of another person’s information without appropriate authorization.

32. Intellectual Property

Website content, branding, logos, text, and other materials may not be copied, reproduced, or commercially used without appropriate authorization.

33. Website Availability

The Company may modify, suspend, or discontinue website features for maintenance, security, operational, or other legitimate reasons.

34. Information Accuracy

Website content is provided for general information. Product details, eligibility criteria, and offers may change and should be confirmed with the relevant lender.

35. Limitation of Liability

To the extent permitted by law, the Company is not responsible for independent lending decisions, lender delays, or third-party service interruptions. This clause does not exclude liability that cannot legally be excluded.

36. Indemnity

Users may be responsible for losses or claims arising from their fraudulent conduct, unlawful use of the website, or material breach of these Terms, subject to applicable law.

37. Complaints and Grievances

Customers may contact the Company using the details below for assistance or complaints. Complaints concerning a lender’s regulated lending activities may also be directed to the relevant lender through its official grievance-redressal process.

38. Amendments to Terms

The Company may revise these Terms & Conditions from time to time. Updated terms will be published on the website with the applicable revision date.

39. Governing Law and Jurisdiction

These Terms & Conditions are governed by the laws of India. Disputes shall be subject to the jurisdiction of competent courts as determined under applicable law.

40. Contact Information

RIRA CAPITAL

Powered by RJ Finserv Solutions Private Limited

Website: https://www.rjfinservsolutions.com

Email: info@rjfinservsolutions.com

Location: Pithampur, District Dhar, Madhya Pradesh, India – 454775

For questions, feedback, or complaints regarding these Terms & Conditions, please contact us through the details above.

By using this website, you acknowledge that you have read and understood these Terms & Conditions, subject to applicable law.