Terms and Conditions

These Terms and Conditions govern the use of services offered by Radhakrishna Finance Pvt. Ltd. ("the Company"). By availing any product or service, the customer acknowledges and agrees to the following:

1. Applicability

These terms apply to all financial products and services offered by Radhakrishna Finance including but not limited to loans, insurance facilitation, investments, digital products, and customer support services.

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2. Loan Sanction and Disbursement

• Loan sanction is subject to eligibility, internal credit assessment, and verification of documents.
• The company reserves the right to accept or reject any loan application without providing reasons.
• Loan amounts, tenure, and interest rates are decided based on customer profile and risk assessment.

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3. Repayment Obligations

• Repayment must be made as per the agreed EMI schedule using approved payment modes.
• Delays or defaults will incur penal interest and recovery actions.
• The borrower is responsible for ensuring sufficient balance for ECS/NACH mandates.

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4. Interest, Fees, and Charges

• All applicable interest rates, processing fees, and other charges will be disclosed upfront.
• Charges are subject to change with prior notice and will be reflected in the updated terms.

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5. Insurance Facilitation

• For loans bundled with insurance, the customer will be informed of the insurer, policy details, premium, and coverage.
• Radhakrishna Finance acts only as a facilitator and is not liable for claim settlement decisions made by the insurer.

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6. Data Privacy and Security

• Customer data is handled with strict confidentiality and in compliance with applicable laws.
• Personal information will not be shared with third parties without consent, except as required for service delivery or by law.

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7. Digital Platform Use

• Customers accessing services through our mobile app or website must ensure the confidentiality of their login credentials.
• Radhakrishna Finance is not liable for losses due to unauthorized access resulting from user negligence.

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8. Communication

• All official communication will be made via SMS, email, or calls to the registered contact details.
• Customers are responsible for updating any change in contact information promptly.

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9. Dispute Resolution

• In case of disputes, the company will attempt to resolve them through its customer grievance redressal mechanism.
• Unresolved matters will be subject to the jurisdiction of courts in [Head Office Location – e.g., Thrissur, Kerala].

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10. Right to Amend Terms

• Radhakrishna Finance reserves the right to revise these Terms and Conditions at any time.
• Updated terms will be made available on the official website and deemed accepted upon continued use of services.

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11. Compliance and Regulatory

• All products and services comply with guidelines issued by the Reserve Bank of India (RBI) and other relevant authorities.
• Customers are expected to comply with KYC and AML (Anti-Money Laundering) norms as required.