Welcome to Retail Sales Team. By using our website and services, you agree to comply with the following Terms & Conditions. Please read them carefully before proceeding.
1. General Terms & Conditions
1.1 Acceptance of Terms
By accessing and using our website, you agree to abide by these terms and any modifications made from time to time.
1.2 Use of Services
- Our platform provides information about various loan products, financial services, and the Partner Program.
- You must use the services only for lawful purposes and in accordance with the applicable regulations.
1.3 Accuracy of Information
- We strive to provide accurate and updated information, but we do not guarantee the completeness, accuracy, or reliability of any data on this website.
- Users are responsible for verifying the terms and conditions of loans directly with the respective banks or NBFCs.
1.4 Privacy Policy
- Your personal information is collected, stored, and used as per our Privacy Policy.
- We do not share your data with third parties except for loan processing and partner verification purposes.
2. Loan Services Terms & Conditions
2.1 Eligibility & Documentation
- Loan approval is subject to the lender’s eligibility criteria.
- Customers must submit valid KYC documents, income proof, and any additional paperwork requested by the lending institution.
- Loan disbursal timelines may vary depending on the lender and applicant’s profile.
2.2 Interest Rates & Repayment
- Interest rates and loan repayment terms are set by banks & NBFCs and are subject to change.
- Users are responsible for repaying their loans as per the agreed terms.
2.3 Processing Fees & Charges
- Some loans may involve processing fees, administrative charges, or penalties for late payment.
- These charges are solely determined by the lender, and we are not liable for any disputes regarding the same.
2.4 Disclaimer
- We act as facilitators and do not provide loans directly. Loan approvals and disbursements are at the sole discretion of banks and NBFCs.
- We do not guarantee loan approvals or interest rates, as these are subject to the applicant’s creditworthiness and the lender’s policies.
3. Partner Program Terms & Conditions
3.1 Eligibility & Registration
- Individuals or businesses can join our Partner Program to refer loan applicants.
- Partners must provide valid personal and professional details at the time of registration.
- We reserve the right to reject any partnership application without assigning a reason.
3.2 Commission & Payouts
- Partners earn commissions on every successful loan disbursal referred through their network.
- The commission structure will be disclosed upon onboarding and may vary based on loan type, lender, and business volume.
- Payouts are processed on a monthly basis after verifying loan disbursal reports.
- Any fraudulent activities, such as false referrals or misrepresentation, will lead to cancellation of commissions and account termination.
3.3 Obligations of Partners
- Partners must ensure that all loan referrals are genuine and not misleading or fraudulent.
- No partner is allowed to guarantee loan approval to applicants.
- Partners must not misuse our brand name or misrepresent loan offerings.
3.4 Termination & Compliance
- We reserve the right to terminate a partner’s account in case of non-compliance, fraud, or unethical business practices.
- Partners must comply with all applicable laws, including data protection and fair lending practices.
4. Intellectual Property Rights
4.1 All website content, including text, logos, graphics, and branding, is the exclusive property of Retail Sales Team.
4.2 Unauthorized use, reproduction, or distribution of our content is strictly prohibited.
5. Limitation of Liability
5.1 We are not responsible for any financial losses, loan rejections, interest rate fluctuations, or penalties imposed by lenders.
5.2 Any disputes related to loans must be addressed directly with the respective lender.
6. Modifications & Updates
6.1 We reserve the right to update these Terms & Conditions at any time. It is the user’s responsibility to review the latest terms periodically.
7. Contact Us
For any queries regarding our Terms & Conditions, you can contact us at retailsalesteam01@gmail.com.
