Terms and conditions for using our services.

By accessing this website, submitting an application, or using our services, you confirm that you are at least 18 years of age, legally capable of entering into binding contracts under Indian law, and agree to abide by these Terms and Conditions in full.

Laksh India Loan Services acts solely as an independent loan consultancy and facilitation partner. We assist customers with eligibility check, documentation review, and application coordination with bank partners. We are not a licensed bank, NBFC, or direct lender, and we do not issue credit, disburse loans, or make lending decisions.

Submitting an enquiry or application through our website does not guarantee loan approval or credit offers. The final approval, loan amount, interest rate, processing fees, and tenure depend entirely on the respective lending bank or NBFC's policy, credit assessment, and verification of documents.

You are solely responsible for the authenticity, accuracy, and completeness of all personal information, financial data, and documents (such as PAN, Aadhaar, salary slips, bank statements) you submit. Providing false, misleading, or incorrect information may lead to the rejection of your application and potential legal consequences.

All content on this website (including text, graphics, logos, brand names, page layouts, design system, and custom code) is the intellectual property of Laksh India Loan Services and is protected by Indian copyright, trademark, and intellectual property laws. Unauthorized reproduction, copying, or commercial distribution of this material is strictly prohibited.

When using this website, you agree not to:

• Fraudulent Submissions: Submit fraudulent documents, impersonate others, or provide false financial declarations.
• System Probing: Attempt unauthorized access to our CRM databases, servers, hosting systems, or networks.
• Data Scraping: Use automated scripts, bots, scrapers, or tools to extract data from our site.
• Malicious Code: Introduce viruses, malware, or malicious code designed to disrupt our CRM operations.

Laksh India Loan Services, its employees, and advisors shall not be liable for any direct, indirect, or consequential damages, losses, or expenses arising from the rejection of any loan application by a bank, delays in loan processing, errors in documentation, or your inability to use this website.

Our website may contain links to external third-party websites or services (such as banking portals, credit bureau tools, or Google Maps). We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

Your use of our website and submission of applications are also governed by our Privacy Policy, which outlines how we collect, handle, and secure your personal data.

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes, legal actions, or claims arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Ludhiana, Punjab, India.

We reserve the right to modify, suspend, or update these terms, website content, or loan facilitation advisory services at any time without prior notice. Your continued use of the website following any changes signifies your acceptance of the updated terms.

If you have any questions or require legal clarifications regarding these Terms and Conditions, please contact us at:

• Email Support: info@lakshindia.com
• Office Address: Cabin 18, Madhok Complex, Opp. Silver Arc Mall, Ferozpur Road, Ludhiana, Punjab - 141001, India