Legal Disclaimer – Kistwala.com
This Legal Disclaimer governs the use of the website Kistwala.com and explains the limitations of responsibility, scope of services, and legal boundaries under which the company operates. By accessing, browsing, registering, submitting information, or availing any service through Kistwala.com, the user acknowledges that they have read, understood, and agreed to the terms outlined in this Legal Disclaimer.
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 operating in India. The company is not a bank, is not a Non-Banking Financial Company, and is not an insurance company. It does not directly sanction loans, issue credit cards, provide credit facilities, underwrite insurance policies, or make any independent financial approval decisions. All financial products displayed, marketed, or facilitated through the website are offered exclusively by third-party financial institutions, and all final decisions regarding approval, rejection, sanction amount, disbursement, interest rate, tenure, credit limit, or policy issuance are made solely by those institutions.
The role of Kistwala.com is limited to consultation, documentation guidance, eligibility discussion, and forwarding of applications to partner institutions. The company does not guarantee loan approval, credit card issuance, insurance acceptance, or any specific financial outcome. Any statements made on the website or by representatives of the company are for informational and assistance purposes only and shall not be interpreted as financial guarantees or binding commitments.
Users must understand that financial institutions evaluate applications based on multiple factors including credit score (CIBIL), repayment history, EMI bounce records, income eligibility, employment stability, debt-to-income ratio, documentation accuracy, internal risk assessment policies, and regulatory compliance standards. If an applicant has a low credit score, history of loan settlement, written-off account, irregular EMI payments, past defaults, or adverse credit remarks, the chances of approval may be reduced or eliminated. Kistwala.com has no authority or control over the underwriting process and cannot influence the credit decision taken by a bank or NBFC.
Any reliance placed on information provided through the website is strictly at the user’s own risk. While the company makes reasonable efforts to provide accurate and updated information, financial products, interest rates, eligibility criteria, and processing requirements may change without prior notice as per the policies of the respective financial institutions. Kistwala.com does not warrant that all information displayed on the website is always complete, accurate, or up to date.
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, but is not limited to, financial loss, loss of opportunity, delay in processing, rejection of application, modification of sanctioned amount, change in interest rate, cancellation of application, or any other decision made by a third-party financial institution. Users acknowledge that financial approvals are subject to independent assessment and that the company cannot guarantee specific outcomes.
The company shall also not be responsible for any impact on the applicant’s CIBIL score or credit report resulting from submission of an application or credit bureau inquiries conducted by partner banks or NBFCs. Credit inquiries performed during the evaluation process may be recorded in the applicant’s credit report, and Kistwala.com shall not be held liable for any temporary or permanent changes in credit score.
Kistwala.com may charge a one-time service fee for consultation and processing assistance. This service fee is non-refundable under all circumstances and is charged solely for professional assistance provided during the application process. The service fee does not represent a guarantee of approval. Any processing fee, administrative charge, insurance premium, or additional cost levied by the bank or NBFC is governed by their respective policies, and Kistwala.com shall not be responsible for refunding or disputing such charges.
The website may contain links to third-party websites or external platforms. These links are provided for convenience only. Kistwala.com does not control, endorse, or assume responsibility for the content, policies, or practices of any third-party websites. Users accessing such websites do so at their own discretion and risk.
Users agree not to misuse the website, engage in fraudulent activities, submit false information, attempt unauthorized access, or violate any applicable law while using the services. In case of misuse or violation, the company reserves the right to terminate access and pursue legal remedies as permitted under law.
The company does not provide legal, financial planning, tax, or investment advisory services. Any financial decision taken by the user based on information obtained through the platform is at the user’s sole discretion and responsibility. Users are advised to independently verify terms and consult appropriate professionals before making financial commitments.
This Legal Disclaimer shall be governed by and interpreted in accordance with the laws of India. Any dispute arising out of or in connection with the use of the website or services shall be subject to the exclusive jurisdiction of the competent courts located in Narsinghpur, M.P., India.
Kistwala.com reserves the right to update, modify, or amend this Legal Disclaimer at any time without prior notice. Continued use of the website following any changes constitutes acceptance of the revised disclaimer.
For any legal concerns, clarifications, or queries, users may contact:
Kistwala.com
Narsinghpur, M.P., India
Email: support@kistwala.com