Terms of Use – Kistwala.com
These Terms and Conditions govern your access to and use of the website Kistwala.com and the services offered through it. By visiting, browsing, registering, submitting information, or making any payment on this website, you acknowledge that you have read, understood, and agreed to be legally bound by the terms set forth below. If you do not agree with any part of these Terms and Conditions, you must refrain from using the website and its services.
Kistwala.com operates strictly as a Direct Selling Agent (DSA), Direct Marketing Agent (DMA), and Referral or Channel Partner for various banks, Non-Banking Financial Companies (NBFCs), and insurance providers in India. The company does not function as a bank, financial institution, NBFC, or insurance company. It does not directly provide loans, issue credit cards, underwrite insurance policies, or guarantee approval of any financial product. All financial products displayed, promoted, or facilitated through the website are offered exclusively by third-party institutions, and all final decisions regarding approval, sanction, disbursement, interest rate, tenure, or rejection are made solely by those institutions in accordance with their independent policies and regulatory requirements.
By using the website, you confirm that you are at least eighteen (18) years of age and legally competent to enter into a binding agreement under applicable Indian law. You further confirm that all information provided by you during registration or application submission is true, accurate, complete, and up to date. Submission of false, misleading, incomplete, or fraudulent information may result in immediate rejection of your application, suspension of services, and possible legal consequences.
Kistwala.com provides consultation, documentation guidance, preliminary eligibility assessment, and forwarding of applications to partner financial institutions. In consideration of these services, the company may charge a one-time service fee. This service charge is strictly non-refundable under any circumstances. The service fee is charged for professional assistance and processing support and does not constitute a fee for guaranteed loan approval or credit sanction. Even if your application is rejected by the bank or NBFC for any reason, including low CIBIL score, EMI bounce history, internal policy mismatch, or verification failure, the service charge shall remain non-refundable.
You understand and agree that loan approval and credit card issuance depend primarily on your creditworthiness, repayment history, income eligibility, documentation accuracy, employment or business stability, and compliance with the internal policies of the concerned bank or NBFC. If you have a low CIBIL score, prior loan settlement, written-off account, overdue payments, or irregular EMI record, your chances of approval may be reduced. Kistwala.com does not guarantee approval under any circumstances and does not influence or override the credit decision taken by a financial institution.
In addition to the service charge payable to Kistwala.com, partner banks or NBFCs may levy their own processing fees, administrative charges, documentation fees, or insurance premiums. These charges are governed entirely by the policies of the respective financial institution. In many cases, such processing fees are non-refundable even if the application is declined. Kistwala.com has no authority or control over these charges and shall not be held responsible for refunding or disputing any amount paid directly to a bank or NBFC.
By submitting an application through the website, you consent to credit bureau inquiries that may be conducted by partner institutions. Such inquiries may be recorded in your credit report and could temporarily impact your CIBIL score. Kistwala.com shall not be liable for any impact on your credit score resulting from such inquiries or application processing.
The content, design, layout, logos, text, graphics, and other materials available on Kistwala.com are the intellectual property of the company and are protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, transmit, reuse, or otherwise exploit any content without prior written consent from the company.
You agree not to misuse the website or engage in unlawful activities including but not limited to submitting false documents, attempting unauthorized access, hacking, spamming, or interfering with website functionality. Any such misuse may result in immediate termination of access and possible legal action.
Kistwala.com shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of its services. This includes financial loss, opportunity loss, delay in sanction, rejection of application, change in interest rate, change in sanctioned amount, or cancellation of any financial product by a third-party institution. All financial decisions are taken solely by the respective bank, NBFC, or insurance provider.
The website may contain links to third-party websites for convenience. Kistwala.com does not control or endorse the content, policies, or practices of such third-party websites and shall not be responsible for any loss or damage arising from their use.
Kistwala.com reserves the right to modify, suspend, or discontinue any part of its services at any time without prior notice. The company may also update or amend these Terms and Conditions periodically. Continued use of the website after such updates constitutes acceptance of the revised terms.
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of India. Any dispute arising out of or relating to the use of the website or services shall be subject to the exclusive jurisdiction of the competent courts located in Narsinghpur, M.P., India.
For any questions, clarifications, or concerns regarding these Terms and Conditions, you may contact:
Kistwala.com
Narsinghpur, M.P., India
Email: support@kistwala.com