Please read these terms and conditions carefully before using the Apply.FinanceDragon.com Loan Application Website (hereinafter referred to as the “Website”). By accessing or using the Website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms and conditions, please do not use the Website.
Part A: General Terms and Conditions
1. User Eligibility
1.1. Users must be at least 18 years of age and legally eligible to apply for loans in India.
1.2. Users must provide accurate and complete personal and financial information during the application process.
2. Use of Website
2.1. Users may use our website to apply for loans from banks and financial institutions.
2.2. Users may not use our website for any other purpose, including but not limited to:
2.2.1. To engage in any illegal or fraudulent activity.
2.2.2. To violate the rights of any other person.
2.2.3. To damage or disrupt our website.
2.2.4. To collect or store personal information about other users without their consent.
3. Accuracy of Information
3.1. Users are responsible for the accuracy of all information that they provide to us through the Website.
3.2. Any false or misleading information may result in the loan application being rejected or user’s account being suspended or terminated.
4. Loan Application Process
4.1. The Website acts as a platform to facilitate loan applications by connecting users with banks and financial institutions.
4.2. Users must provide accurate and up-to-date personal and financial information and submit required documentary proofs as per the instructions provided on the Website.
4.3. Users understand that the final approval of loan applications rests with the respective banks or financial institutions. The Website does not guarantee loan approval.
4.4. Users may be required to undergo a credit check, and their credit history may be checked by banks or financial institutions as part of the application process.
5. User Responsibilities
5.1. Users are responsible for maintaining the confidentiality of their login credentials and are liable for any activities performed using their account.
5.2. Users agree to use the Website for lawful purposes and not engage in any fraudulent or illegal activities.
6. Privacy and Data Security
7. Fees and Charges
7.1. The use of the Website’s services is generally free for users.
7.2. Users may be subject to fees or charges imposed by the banks or financial institutions during the loan application process. Users are responsible for reviewing and understanding these fees.
8. Intellectual Property
8.1. The content of the Website, including but not limited to text, images, and code, is protected by copyright and other intellectual property laws.
8.2. Users may not reproduce, distribute, or publicly display any content from the Website without our prior written consent.
9.1. The Website provides services to connect users with partner banks and financial institutions but does not endorse or recommend any specific loan product or institution.
9.2. The Website is not responsible for the accuracy, completeness, or timeliness of the information provided by users or the banks and financial institutions.
9.3. Users acknowledge that loan terms, interest rates, and eligibility criteria are subject to change and may vary among different banks and financial institutions.
10. Limitation of Liability
10.1. The Website shall not be liable for any direct or indirect damages, including but not limited to financial losses, arising from the use of the Website or any services provided herein.
11. Governing Law and Jurisdiction
11.1. These terms and conditions are governed by the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the courts in Haryana, India.
12. Additional Terms and Conditions for Loan Applications
12.1. By submitting a loan application through the website, users agree to the following additional terms and conditions:
12.2. Users agree that we may share their personal and financial information with banks and financial institutions in order to process their loan application.
12.3. Users agree that they may verify the accuracy of any information with third-party credit bureaus and other sources, if needed or if directed by banks or statutes, rules or regulations to do so.
12.4. Users acknowledge that their loan application is subject to the approval of the bank or financial institution to which the Website forwards the application.
12.5. Users agree to repay the loan in accordance with the terms and conditions of the loan agreement.
13. Additional Terms and Conditions for Documentary Proofs
13.1. All documentary proofs submitted to the Website must be clear, legible, and authentic. We may reject any loan application if the documentary proofs are not satisfactory.
13.2. We reserve the right to request additional documentary proofs at any time.
13.3. Users agree that we may retain copies of their documentary proofs for our records at least for a period of three months.
14. Changes to Terms and Conditions
14.1. The Website reserves the right to modify or update these terms and conditions at any time. Users are responsible for regularly reviewing these terms and conditions for changes.
15. Contact Information
15.1. For any inquiries or concerns related to these terms and conditions or the Website’s services, users can contact us at hello[at]financedragon.com.
By using the Website, you acknowledge that you have read, understood, and agree to these terms and conditions. These terms and conditions constitute a legally binding agreement between you and the Website.
Part B: Terms and Conditions for Opening Savings and Securities Trading Accounts
By applying for a loan through the Apply.FinanceDragon.com Loan Application Website, you agree to the following terms and conditions regarding the opening of savings and securities trading accounts:
1. Account Opening Services
1.1. We may offer the option to open a savings account and/or a securities trading account (hereinafter referred to as “Accounts”) for loan applicants.
1.2. We may open these Accounts ourselves or provide links to users from partner institutions that offer these services.
2. Applicant Consent
2.1. You understand that the opening of savings and/or securities trading accounts is optional and requires your explicit consent.
2.2. You authorise us to share your personal and financial information with partner institutions for the purpose of opening these Accounts.
3. Account Terms and Conditions
3.1. The terms and conditions for the savings and securities trading accounts will be determined by the respective financial institutions offering these services.
3.2. It is your responsibility to review and agree to the terms and conditions of the Accounts before proceeding.
4. Responsibility and Liability
4.1. You understand that the savings and securities trading accounts are separate from the loan application process and involve different financial products.
4.2. You are solely responsible for managing and maintaining these Accounts, including compliance with all legal and regulatory requirements.
5. Investment Risks
5.1. Investing in securities involves inherent risks, and the value of investments can fluctuate. You acknowledge that the value of your investments can go up or down.
5.2. We do not provide investment advice or guarantee investment returns. You are responsible for making informed investment decisions.
6. Third-Party Partners
6.1. We may partner with third-party financial institutions to provide savings and securities trading account services. You agree to the terms and conditions of these institutions when opening such accounts.
7. Information Sharing
7.1. To facilitate the opening of these Accounts, we may share your personal and financial information with partner institutions.
8. Account Maintenance
8.1. You are responsible for keeping your account information up-to-date, including contact details and beneficiary information.
8.2. Failure to maintain accurate account information may result in the suspension or closure of your accounts by the respective financial institutions.
9.1. You have the right to terminate or close your savings and securities trading accounts at any time by following the procedures established by the respective financial institutions.
9.2. We reserve the right to discontinue or modify the option to open these accounts at our discretion.
10. Governing Law and Jurisdiction
10.1. These terms and conditions are governed by the laws of India, and the Governing Law and Jurisdiction terms under Section A, Point 11 will apply to the terms under Section B.
11. All Other Terms
11.1. All other terms shall apply as mentioned under Section A, and shall be read in addition to all terms and conditions mentioned in the primary website, https://financedragon.com.
11.2. Any terms and conditions that seem to be in conflict with each other across these and the terms and conditions of the primary website and its sub-domains shall be interpreted in the most broad manner possible, such that it does not hamper any rights of https://financedragon.com, its sub-domains, related services, its owners, employees, or all other people who may be associated with the website in any capacity.
By applying for a loan through the Website and choosing to open savings and securities trading accounts, you acknowledge that you have read, understood, and agree to these terms and conditions. These terms and conditions constitute a legally binding agreement between you and the Website.