TERMS & CONDITIONS

KANAK GRIH PVT. LTD.

KANAK GRIH PVT. LTD. is a company incorporated under the Companies Act, 2013 and registered with the Registrar of Companies (ROC), Kanpur. By accessing our website, contacting our team, submitting enquiries, or using any consultancy or financial assistance-related services, you agree to be bound by these Terms & Conditions.

1. Company Nature & Services

KANAK GRIH PVT. LTD. provides financial consultancy, customer support, documentation assistance, loan guidance, and related financial service support to eligible customers.

The company may assist customers regarding:

• Personal Loans
• Government Employee Loans
• Business Loans
• House Loans
• Other financial assistance services as permitted under applicable laws

Applicable Law:

• Companies Act, 2013
• Indian Contract Act, 1872

2. No Guaranteed Loan Approval

Submitting an enquiry, application, consultation request, or document does not guarantee loan approval.

KANAK GRIH PVT. LTD. shall not be legally bound to approve, process, arrange, or facilitate any loan application.

Loan approval depends upon:

• Eligibility verification
• Customer profile
• Documentation
• Financial history
• Internal assessment
• Third-party lender requirements (if applicable)

The company reserves the absolute right to:

• Approve
• Reject
• Delay
• Hold
• Cancel

any application without assigning mandatory reasons.

Applicable Law:

• Indian Contract Act, 1872
• Freedom of Contract Principles under Indian Civil Law

3. Customer Information & Responsibility

Customers must provide:

• Accurate information
• Valid identification documents
• Genuine financial details
• Correct contact information

Providing false, forged, misleading, or fraudulent information may result in:

• Immediate rejection
• Service termination
• Reporting to authorities
• Civil or criminal proceedings

Applicable Law:

• Bharatiya Nyaya Sanhita, 2023 (Fraud & Cheating Provisions)
• Information Technology Act, 2000

4. Consultancy & Service Disclaimer

The company provides consultancy, support, guidance, coordination, and assistance services.

Final approval, processing, disbursement, and lending decisions may depend upon:

• External institutions
• Financial entities
• Eligibility criteria
• Internal reviews

KANAK GRIH PVT. LTD. does not guarantee approval timelines or financial outcomes.

Applicable Law:

• Consumer Protection Act, 2019
• Indian Contract Act, 1872

5. Payments, Charges & Penalty Interest

Where any payment, installment, consultancy fee, processing charge, service charge, or agreed amount becomes due and remains unpaid:

The company may apply:

• Additional charges
• Delay charges
• Penal interest
• Recovery-related expenses

The amount shall depend upon:

• Outstanding dues
• Delay duration
• Customer payment history
• Internal company assessment

Customers shall be informed regarding applicable penalties and revised dues.

Applicable Law:

• Indian Contract Act, 1872
• Civil Liability & Recovery Principles under Indian Law

6. Right To Refuse Service

KANAK GRIH PVT. LTD. reserves the right to refuse, discontinue, suspend, or terminate services where:

• Documents are incomplete
• Information appears inaccurate
• Fraud is suspected
• Internal policies are violated
• Legal concerns arise

Such decisions may be taken without prior notice wherever legally permissible.

Applicable Law:

• Companies Act, 2013
• Indian Contract Act, 1872

7. Customer Communication Consent

By submitting:

• Contact forms
• WhatsApp enquiries
• Phone enquiries
• Emails
• Website forms

the customer authorizes the company to contact them regarding:

• Service updates
• Documentation
• Financial assistance
• Verification processes
• Customer support

through:

• Phone calls
• SMS
• WhatsApp
• Email communication

Applicable Law:

• Information Technology Act, 2000
• Digital Personal Data Protection Act, 2023

8. Data Privacy & Confidentiality

Customer information collected by the company shall be treated as confidential.

The company takes reasonable efforts to:

• Protect customer information
• Prevent unauthorized access
• Maintain secure handling practices

Customer information shall not be sold to third parties for unrelated marketing purposes.

Applicable Law:

• Digital Personal Data Protection Act, 2023
• Information Technology Act, 2000

9. Data Update & Deletion Rights

Customers may request:

• Data correction
• Information updates
• Deletion requests (where legally permissible)

Requests may be submitted through:

• Official email
• Contact number
• Website contact form

The company will make reasonable efforts to review and process such requests.

Applicable Law:

• Digital Personal Data Protection Act, 2023

10. Website Usage Restrictions

Users shall not:

• Upload malicious content
• Attempt unauthorized access
• Misuse forms
• Submit fraudulent information
• Disrupt website operations

Any misuse may result in:

• Access restriction
• Legal action
• Reporting to authorities

Applicable Law:

• Information Technology Act, 2000

11. Limitation of Liability

KANAK GRIH PVT. LTD. shall not be responsible for:

• Rejected applications
• Third-party delays
• Financial losses
• Technical interruptions
• Internet failures
• External approval delays
• Incorrect customer information

The company provides services on a reasonable-efforts basis.

Applicable Law:

• Consumer Protection Act, 2019
• Indian Contract Act, 1872

12. Jurisdiction & Legal Proceedings

Any dispute, claim, complaint, or legal proceeding arising from company services, website usage, transactions, or customer interactions shall be subject exclusively to:

Lakhimpur Kheri, Uttar Pradesh, India

Only courts and authorities situated within Lakhimpur Kheri shall have jurisdiction.

Applicable Law:

• Code of Civil Procedure, 1908
• Indian Contract Law Jurisdiction Principles

13. Modification Of Terms

KANAK GRIH PVT. LTD. reserves the right to:

• Update policies
• Modify services
• Revise charges
• Amend procedures
• Introduce additional conditions

without prior notice whenever required.

Continued use of services shall constitute acceptance of revised terms.

Applicable Law:

• Indian Contract Act, 1872

14. Acceptance Of Terms

By:

• Accessing the website
• Contacting the company
• Submitting forms
• Requesting consultancy
• Applying for financial assistance

the customer confirms that they have read, understood, and accepted these Terms & Conditions.

COMPANY DETAILS