TERMS & CONDITIONS

Welcome to Gowth Loans

Welcome to Gowth Loans ("Gowth Loans," "we," "our," or "us"). By accessing or using https://gowthloans.in/, submitting an enquiry, applying for financial products, or using any services offered through our platform, you agree to comply with these Terms & Conditions.

If you do not agree with these Terms, kindly refrain from using our services.

1. About Gowth Loans

Gowth Loans is a digital loan facilitation platform that assists users in exploring and applying for financial products offered by lending partners.

Our objective is to simplify the borrowing journey through technology and customer support while connecting eligible users with suitable financial opportunities.

Registered Office:

Second Floor, C-92,
Tagore Garden,
New Delhi – 110027

Email:
help@gowthloans.in

Phone:
+91 7678546990

Website:
https://gowthloans.in

2. Eligibility

By using Gowth Loans, you confirm that:

• You are eligible to use our platform.

• All information submitted is true and accurate.

• You are an Indian resident.

• You will not use our platform for unlawful purposes.

Providing false, misleading, incomplete, or fraudulent information may result in immediate rejection or termination of services.

3. Nature of Services

Gowth Loans acts as a loan facilitation and financial assistance platform.

Our services include:

• Loan enquiry assistance.

• Customer support.

• Application facilitation.

• Connecting customers with suitable financial opportunities.

Using Gowth Loans does not automatically create any obligation to provide financing.

4. Loan Applications

Users may submit loan applications through our platform.

Information requested may include:

• Full Name.

• Mobile Number.

• PAN Number.

• Aadhaar Information.

• Employment Details.

• Income Information.

• Other relevant information required for processing.

Users agree that all information submitted is correct and belongs to them.

Providing incorrect information may lead to cancellation of the application and permanent restriction from future use.

5. Processing Fee

Certain services offered through Gowth Loans may require payment of a processing fee.

Current processing fee:

Rs. 199.

The processing fee is payable only when a customer chooses to proceed with the applicable service.

The processing fee is strictly non-refundable.

No refunds shall be provided under any circumstances, including but not limited to:

• Customer cancellation.

• Change of mind.

• Incomplete application.

• Incorrect information submitted.

• Customer dissatisfaction.

• Delay in processing.

• Customer becoming ineligible.

Payment of the processing fee indicates acceptance of this policy.

6. Loan Features

Certain promotional features may be available through Gowth Loans.

These may include:

• 1% Plan.

• Zero Interest First Loan offers.

• Flexible repayment options.

• Support for customers with limited credit history.

• Simplified documentation.

• Fast application review.

Availability of any offer depends upon applicable requirements and operational policies.

Individual results may vary.

7. Low Credit Score Applications

Gowth Loans understands that financial history does not define an individual's future.

Applications from customers with lower credit scores may be considered.

However, acceptance remains subject to applicable review processes.

Submission of an application does not guarantee approval.

8. Salary Proof

Certain services may not require traditional salary documentation.

Documentation requirements may vary depending upon the financial product and individual circumstances.

Additional verification may be requested whenever necessary.

9. Communications Consent

By using Gowth Loans, users consent to receiving communications through:

Phone Calls.

SMS.

WhatsApp.

Email.

Promotional Messages.

Service Notifications.

Application Updates.

Customers may request to opt out of promotional communications where applicable.

Important service-related communications may continue.

10. Identity Verification

Users agree that Gowth Loans may verify information submitted during the application process.

Users shall not:

Submit forged documents.

Impersonate another person.

Provide fake identities.

Misrepresent financial information.

Fraudulent activity may result in permanent suspension and legal action where appropriate.

11. User Responsibilities

Users agree to:

Provide truthful information.

Maintain confidentiality of personal information.

Use the platform lawfully.

Cooperate during verification.

Avoid abusive or fraudulent conduct.

Not interfere with platform operations.

12. Privacy

Gowth Loans respects customer privacy.

We may collect:

Personal information.

Application details.

Website analytics.

Communication records.

Technical information required for improving services.

Information may be used for:

Application processing.

Customer support.

Communication.

Service improvement.

Fraud prevention.

Legal compliance.

13. Intellectual Property

All content available on Gowth Loans including:

Logo.

Branding.

Designs.

Graphics.

Images.

Text.

Website layout.

Software.

Icons.

Trademarks.

are exclusive property of Gowth Loans.

Copying, reproducing, distributing, modifying, or commercially exploiting any material without written permission is prohibited.

14. Prohibited Activities

Users shall not:

Use fake identities.

Submit forged documents.

Attempt unauthorized access.

Disrupt platform operations.

Violate applicable laws.

Misuse promotional offers.

Engage in fraudulent activity.

Gowth Loans reserves the right to suspend or terminate access immediately.

15. Suspension And Termination

Gowth Loans may:

Suspend accounts.

Reject applications.

Limit services.

Terminate platform access.

Remove information.

Cancel transactions.

without prior notice if misuse, fraud, suspicious activity, or violation of these Terms is detected.

16. Disclaimer

Gowth Loans aims to provide efficient financial assistance services.

Platform availability, promotional features, application timelines, and service outcomes may vary depending on operational circumstances.

Information provided on the platform is for general informational purposes.

Users should independently review any financial commitments before proceeding.

17. Limitation Of Liability

To the maximum extent permitted by law, Gowth Loans shall not be responsible for:

Indirect losses.

Business losses.

Loss of profits.

Loss of opportunities.

Technical interruptions.

Third-party actions.

Service delays.

User negligence.

Unauthorized access resulting from circumstances beyond reasonable control.

18. Indemnity

Users agree to indemnify and hold harmless Gowth Loans, its management, employees, representatives, and affiliates against any claims, damages, liabilities, losses, expenses, or legal costs arising from:

Violation of these Terms.

Fraudulent activity.

False information.

Misuse of the platform.

Violation of applicable laws.

19. Platform Updates

Gowth Loans reserves the right to:

Modify services.

Change features.

Update offers.

Improve functionality.

Suspend services.

Change platform content.

Update these Terms & Conditions at any time.

Continued use constitutes acceptance of such updates.

20. Governing Law

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

21. Jurisdiction

Any disputes arising from use of Gowth Loans shall be subject to the exclusive jurisdiction of the competent courts of Delhi.

22. Contact Us

For any questions, concerns, or assistance, please contact:

Gowth Loans