1. Introduction

Building Trust Through Transparent Financial Services

Welcome to RJ Finserv Solutions Private Limited, a trusted and professionally managed Corporate DSA (Direct Selling Associate) committed to helping individuals, salaried professionals, self-employed persons, and business owners access suitable financial solutions through leading Banks and NBFCs across India.

RJ Finserv Solutions Private Limited acts as a bridge between customers and financial institutions by assisting in the loan application process, documentation support, eligibility assessment, and coordination with lending partners. Our objective is to provide a smooth, transparent, and customer-focused experience while maintaining professional standards and compliance with financial industry regulations.

We specialize in multiple financial products including: • Personal Loans

• Business Loans

• Home Loans

• Loan Against Property (LAP)

• Working Capital Loans

• Balance Transfer Services

• Credit Card Assistance

• Other financial and banking products offered by partner institutions

By accessing our services, website, social media platforms, WhatsApp communication channels, marketing campaigns, or by submitting any inquiry/application through RJ Finserv Solutions Private Limited, you acknowledge that you have read, understood, and agreed to comply with these Terms & Conditions, Privacy Policies, and all applicable laws and regulations.

RJ Finserv Solutions Private Limited believes in maintaining:

• Transparency in services

• Ethical business practices

• Customer data confidentiality

• Professional communication

• Responsible financial assistance

The company reserves the right to update, modify, or revise these Terms & Conditions at any time without prior notice in order to comply with business requirements, regulatory changes, or operational improvements.

Customers are advised to review these Terms & Conditions periodically before availing any service offered by the company.

2. Definitions

Understanding Key Terms & Financial Terminology

“Company” shall refer to RJ Finserv Solutions Private Limited including its management, employees, representatives, agents, associates, channel partners, and authorized personnel operating under the brand name RJ Finserv Solutions Private Limited.

“Customer” or “Applicant” means any individual, salaried employee, self-employed professional, business owner, proprietor, partnership firm, company, or legal entity who applies for any financial product or service through the company.

“Financial Products” include Personal Loans, Business Loans, Home Loans, Loan Against Property (LAP), Working Capital Loans, Balance Transfer Services, Credit Cards, and other banking or financial products facilitated through Banks and NBFCs.

“Lending Partner” refers to any Bank, NBFC, Housing Finance Company, Financial Institution, or authorized lending organization associated with the company.

“Services” means loan consultation, eligibility assessment, documentation support, application assistance, coordination with lenders, and related financial facilitation services provided by the company.

“KYC Documents” refers to customer identity and verification documents including PAN Card, Aadhaar Card, Passport, Driving License, Bank Statements, Income Proof, Business Proof, and related documents.

“Disbursement” means the release of approved loan amount by the lending partner to the customer’s registered bank account.

“EMI” means the Equated Monthly Installment payable by the customer toward repayment of the sanctioned loan amount along with applicable interest and charges.

3. Nature of Services

Professional Loan Assistance & Financial Facilitation Services

RJ Finserv Solutions Private Limited operates as a Corporate DSA (Direct Selling Associate) and financial service facilitator assisting customers in applying for financial products offered by Banks and NBFCs across India.

The company provides assistance related to:

• Loan consultation

• Eligibility assessment

• Documentation support

• Application processing assistance

• Verification coordination

• Customer support during the loan process

RJ Finserv Solutions Private Limited does not directly provide loans and does not independently approve or sanction any financial product.

Final approval regarding:

• Loan sanction

• Interest rates

• Processing fees

• Loan tenure

• Disbursement

shall remain solely at the discretion of the respective Bank or NBFC.

The company may work with third-party service providers, technology platforms, verification agencies, and lending institutions for operational and processing purposes.

By availing services from the company, customers acknowledge that RJ Finserv Solutions Private Limited acts only as a facilitator between customers and lending institutions.

4. Eligibility Criteria

Basic Requirements & Customer Eligibility Standards

Applicants applying for financial products through RJ Finserv Solutions Private Limited must fulfill eligibility requirements prescribed by Banks, NBFCs, and regulatory authorities.

Basic eligibility conditions may include:

• Minimum age requirement

• Indian citizenship or valid residency

• Stable source of income

• Valid KYC documents

• Acceptable banking and credit history

Salaried applicants may be required to provide employment proof and salary documents, while self-employed applicants may need to submit business proof, GST documents, ITRs, or related financial records.

Loan eligibility may vary depending on:

• Customer profile

• Credit score

• Income level

• Existing liabilities

• Lender policies

• Loan type

The company reserves the right to reject incomplete, suspicious, or non-compliant applications.

5. Required Documents

Documentation Requirements For Smooth Loan Processing

Customers are required to submit genuine and complete documents for processing financial applications.

Required documents may include:

• PAN Card

• Aadhaar Card

• Address Proof

• Bank Statements

• Salary Slips

• ITR Documents

• GST Certificates

• Business Proof

• Passport Size Photographs

• Property Documents (where applicable)

All documents submitted by customers must be:

• Genuine

• Legally valid

• Clear and readable

• Updated and accurate

Submission of fake or manipulated documents including edited bank statements, forged salary slips, false ITRs, or fraudulent property papers is strictly prohibited and may result in rejection or legal action.

The company and lending partners reserve the right to request additional documents whenever required for verification or compliance purposes.

6. Customer Responsibilities

Customer Obligations & Responsible Financial Conduct

Customers are responsible for providing accurate, genuine, and updated information during the loan application and verification process.

Customers agree to:

• Submit authentic documents

• Cooperate during verification

• Maintain professional communication

• Provide correct banking and financial information

• Respond to verification calls honestly

Customers shall be solely responsible for timely repayment of EMIs after loan disbursement.

Any fraudulent activity, fake documentation, misrepresentation of income, or false information may result in rejection, blacklisting, or legal action.

7. Loan Approval Disclaimer

Loan Approval Subject To Lender Policies & Verification

RJ Finserv Solutions Private Limited acts only as a financial facilitator and does not guarantee loan approval, disbursement, or specific loan terms.

Loan approval depends entirely upon:

• Credit score

• Income profile

• Banking history

• Existing liabilities

• Verification results

• Internal lender policies

The company has no authority over final approval decisions taken by Banks or NBFCs.

Submission of documents or payment of fees does not guarantee loan approval under any circumstances.

8. Processing Fees & Charges

Transparent Information Regarding Applicable Charges & Fees

Banks and NBFCs may charge processing fees, legal charges, technical fees, insurance charges, and other applicable expenses as per their policies.

RJ Finserv Solutions Private Limited may also charge consultation or service fees wherever applicable and customers shall be informed in advance.

Certain charges may remain non-refundable even if:

• Loan is rejected

• Customer cancels the application

• Processing is discontinued

Customers are advised to verify all applicable fees before proceeding with any financial product application.

9. Credit Score & Verification

Credit Evaluation & Verification Process Guidelines

Customers authorize RJ Finserv Solutions Private Limited and lending partners to conduct:

• Credit bureau checks

• CIBIL verification

• Employment verification

• Residence verification

• Banking verification

• Business verification

Credit score and repayment history may significantly impact loan eligibility and approval chances.

Any mismatch or false information detected during verification may lead to rejection or cancellation of the application.

10. Data Privacy Policy

Protecting Customer Information & Data Confidentiality

RJ Finserv Solutions Private Limited respects customer privacy and takes reasonable measures to protect personal and financial information.

Customer data may be collected for:

• Loan processing

• Verification procedures

• Compliance requirements

• Service communication

• Operational purposes

Customer information may be shared with:

• Banks and NBFCs

• Verification agencies

• Technology service providers

• Regulatory authorities where legally required

The company shall make reasonable efforts to maintain confidentiality of customer data.

11. Communication Consent

Consent For Official Communication & Service Updates

By submitting an inquiry or application, customers authorize RJ Finserv Solutions Private Limited to contact them through:

• Calls

• SMS

• WhatsApp

• Emails

• Digital communication platforms

Communication may include:

• Application updates

• Verification calls

• EMI reminders

• Promotional offers

• Service-related notifications

Customers consent to receive communication even if their number is registered under DND/NDNC, subject to applicable laws.

12. Fraud Prevention Policy

Commitment Towards Safe, Secure & Fraud-Free Services

RJ Finserv Solutions Private Limited follows a strict zero-tolerance policy against fraud, forgery, identity theft, and financial misrepresentation.

The following activities are strictly prohibited:

• Fake salary slips

• Edited bank statements

• Forged documents

• False income declarations

• Identity fraud

• Manipulated financial records

If fraudulent activity is detected, the company reserves the right to:

• Reject the application

• Blacklist the applicant

• Report the matter to authorities

• Initiate legal proceedings

Customers are advised not to share OTPs or confidential banking information with unauthorized persons.

13. Disbursement Policy

Loan Disbursement Process & Banking Coordination

Loan disbursement is handled solely by the respective Bank or NBFC after successful verification and approval.

RJ Finserv Solutions Private Limited does not directly disburse loan amounts and shall not be responsible for delays caused due to:

• Banking procedures

• Technical issues

• Compliance verification

• Incomplete documentation

• Operational delays by lending institutions

Disbursement timelines may vary depending on lender policies and customer profile.

14. EMI & Repayment Responsibility

Customer Repayment Obligations & EMI Responsibilities

After loan disbursement, customers shall be fully responsible for timely repayment of EMIs, interest, penalties, and other applicable charges.

Late payment or default may result in:

• Penal charges

• Recovery actions

• Negative CIBIL impact

• Legal proceedings

RJ Finserv Solutions Private Limited shall not be liable for repayment defaults or financial losses arising from customer non-payment.

15. Cancellation & Refund Policy

Application Cancellation & Refund Related Guidelines

Customers may request cancellation of applications before final disbursement subject to lender policies and processing stage.

Processing fees, legal charges, technical charges, or consultation fees may remain non-refundable depending upon:

• Nature of service

• Stage of processing

• Lender policies

Refund decisions shall be subject to applicable operational and legal conditions.

16. Intellectual Property Rights

Protection Of Company Brand & Business Materials

All company materials including:

• Company name

• Logo

• Website content

• Marketing creatives

• Social media content

• Business documents

• Training materials

are the intellectual property of RJ Finserv Solutions Private Limited.

Unauthorized copying, reproduction, modification, or misuse of company materials without written permission is strictly prohibited.

17. Limitation of Liability

Scope Of Company Responsibility & Liability Limitations

RJ Finserv Solutions Private Limited shall not be responsible for:

• Loan rejection

• Delay in approval or disbursement

• Banking system failures

• Technical issues

• Credit score impact

• Financial losses caused by lender decisions

• Third-party operational failures

The company acts only as a facilitator and shall not be held liable for decisions independently made by Banks or NBFCs.

18. Third-Party Services

Association With Banks, NBFCs & Service Partners

The company may work with:

• Banks

• NBFCs

• CRM providers

• Verification agencies

• Technical service providers

• Communication platforms

RJ Finserv Solutions Private Limited shall not be responsible for delays, interruptions, or failures arising from third-party systems or operational issues beyond reasonable control.

19. Compliance with Laws & RBI Guidelines

Regulatory Compliance & Financial Industry Standards

Customers agree to comply with:

• RBI guidelines

• KYC regulations

• Anti-money laundering laws

• Indian financial regulations

• Applicable banking rules and compliance requirements

The company reserves the right to reject or discontinue applications violating legal, compliance, or regulatory standards.

20. Force Majeure

Uncontrollable Events & Operational Limitations

RJ Finserv Solutions Private Limited shall not be liable for delays or service interruptions caused by events beyond reasonable control including:

• Natural disasters

• Government restrictions

• Banking outages

• Technical failures

• Internet/network disruptions

• Pandemic situations

• Cyber incidents

• Operational emergencies

Such events may affect communication, processing timelines, and service availability.

21. Modification of Terms & Conditions

Right To Update Policies & Service Conditions

RJ Finserv Solutions Private Limited reserves the right to:

• Modify policies

• Update Terms & Conditions

• Revise operational procedures

• Change services or lender partnerships

at any time without prior notice.

Updated Terms & Conditions shall become effective immediately upon publication or implementation.

22. Governing Law & Jurisdiction

Legal Jurisdiction & Applicable Indian Laws

These Terms & Conditions shall be governed and interpreted in accordance with the laws of India.

Any disputes, legal proceedings, or claims arising from company services shall be subject to the jurisdiction of competent courts and legal authorities in India.

23. Contact Information

Official Company Communication & Support Details

RJ FINSERV SOLUTIONS PRIVATE LIMITED

📞 Helpline: 080-62177299

📱 Call / WhatsApp: 8458993136

📧 Email: info@rjfinservsolutions.com

Customers are advised to communicate only through official company contact channels for secure and authorized assistance.

24. Customer Declaration

Customer Confirmation & Acceptance Of Terms

By submitting any application, inquiry, document, or by using services of RJ Finserv Solutions Private Limited, the customer confirms that: • All information provided is true and genuine

• Submitted documents are legally valid

• Terms & Conditions have been read and understood

• The customer voluntarily agrees to comply with all applicable policies and regulations

• Financial obligations associated with loan products are fully understood

25. Important Customer Notice

Important Financial Awareness & Security Information

⚠ Loan approval is subject to lender eligibility and internal policies.

⚠ Do not share OTPs, passwords, or confidential banking information with unauthorized persons.

⚠ EMI defaults may negatively affect credit score/CIBIL history.

⚠ Customers should carefully read sanction letters and lender conditions before accepting loan offers.

⚠ Beware of fake approvals, fraudulent calls, or unauthorized payment requests.

⚠ Always communicate through official company channels only.