Term and Condition
Terms and Conditions
Welcome to A.K Financial Services. These Terms and Conditions explain the rules for using our website and loan assistance services. By visiting our website, submitting an enquiry, or requesting assistance, you agree to these terms. Please read them carefully before proceeding.
Definitions
In these Terms and Conditions, the following words and phrases have the meanings described below:
- "Agreement" means these Terms and Conditions governing the use of our website and services.
- "A.K Financial Services", "we", "us" or "our" means A.K Financial Services, which provides loan information, application assistance, and referral support.
- "Services" means the loan-related information, customer assistance, application guidance, and referral services we provide.
- "Website" means www.akfinancialservices.com and its related pages.
- "User", "Customer", "you" or "your" means any person who visits our website, contacts us, or uses our services.
- "Lender" means a bank, Non-Banking Financial Company (NBFC), or other authorised financial institution that offers or processes a loan.
What A.K Financial Services Offers
A.K Financial Services provides loan assistance and guidance to individuals and businesses seeking suitable financial options. Depending on our active service arrangements, we may assist customers with Used Car Loans, New Car Loans, Personal Loans, Business Loans, Home Loans, Loans Against Property, and other loan products offered by our lending partners.
Our services may include explaining basic eligibility requirements, helping customers understand documentation, sharing relevant loan information, and guiding them through the application process.
Where we operate as a Direct Selling Agent (DSA), referral partner, or intermediary, our role is to assist customers and connect them with relevant lending partners. Unless specifically stated in a written agreement, A.K Financial Services is not the lender and does not independently approve or disburse loans.
All loan applications, interest rates, repayment terms, charges, approvals, and disbursements remain subject to the relevant lender's policies, verification procedures, and final decision.
Eligibility
To use our website and request loan assistance, you must meet the following conditions:
- You must be legally capable of entering into an agreement under the laws applicable to you.
- You must provide accurate, complete, and up-to-date information when submitting an enquiry or loan application.
- You must provide genuine documents and have the legal right to share any information submitted to us.
- You must meet the applicable age, income, credit, employment, business, property, or other eligibility requirements established by the relevant lender.
- If you submit information on behalf of a business or another person, you must have the necessary authority and consent to do so.
- You must provide any required consent before your information is shared with a lender or used for relevant verification activities.
Loan Approval and Financial Decisions
A.K Financial Services provides guidance to help customers understand loan options and application requirements. However, we do not guarantee loan approval, a specific loan amount, a particular interest rate, or a fixed approval or disbursement timeline.
The lender independently evaluates each application based on its eligibility criteria, credit assessment, documents, and applicable policies. Any initial discussion or eligibility estimate is indicative and does not constitute a final loan offer.
Before accepting a loan, you should carefully review the lender's offer, interest rate, repayment schedule, fees, applicable charges, and loan agreement.
Rules for Using Our Services
When using our website or requesting our services, you agree that you will not:
- Provide false, misleading, incomplete, or fraudulent information in connection with a loan enquiry or application.
- Submit forged documents or use another person's identity or financial information without proper authorisation.
- Use our website or services for unlawful activities, fraud, impersonation, or any purpose prohibited by applicable law.
- Attempt to gain unauthorised access to our website, systems, customer information, or related services.
- Interfere with the security, availability, or proper functioning of our website.
- Misuse contact forms, send spam, or submit enquiries intended to disrupt our services.
- Misrepresent A.K Financial Services or claim that we can guarantee loan approval or influence a lender's independent decision.
Customer Information and Document Verification
You are responsible for ensuring that the information and documents you provide are accurate and genuine. Depending on the loan product, the lender may request identity proof, address proof, income details, bank statements, employment or business records, vehicle documents, or property-related information.
You authorise the handling or sharing of your information only through the consents you provide or another lawful basis permitted under applicable law. Any credit checks or verification must be conducted by the relevant party in accordance with applicable requirements.
Fees, Charges and Payments
Any service fee charged by A.K Financial Services, if applicable, will be disclosed separately before the relevant service is provided. Lender fees, processing charges, interest, penalties, and other loan-related costs are governed by the relevant lender's disclosures and agreements.
Customers should verify the purpose and recipient of any payment before making a transfer. Do not pay an unauthorised person who claims to guarantee loan approval. No payment should be understood as a guarantee that a loan will be approved or disbursed.
Privacy and Information Sharing
We handle personal information in accordance with our Privacy Policy and applicable laws. Where authorised or otherwise legally permitted, relevant information may be shared with banks, NBFCs, or service providers involved in processing an enquiry or application.
Please read our Privacy Policy to understand how information may be collected, used, stored, and shared. You should also review the privacy notices and terms of any lender before proceeding with its application process.
Third-Party Websites and Lenders
Our website may contain links to third-party websites or refer customers to banks, NBFCs, and other financial service providers. These third parties may operate under their own terms, policies, and procedures.
A.K Financial Services does not control the independent lending decisions or website policies of third parties. Customers should verify all loan details directly through the relevant lender's official channels before accepting an offer.
Copyright and Website Content
Unless otherwise stated, the text, branding, graphics, design, and other materials published on the A.K Financial Services website are owned by us or used with appropriate permission. You may not reproduce, distribute, publish, modify, or commercially use these materials without prior written permission, except where permitted by law.
Any information you submit through our website must be information you are legally entitled to provide. You remain responsible for the content and documents you submit. We will handle submitted information in accordance with our Privacy Policy and applicable law.
Limitation of Liability
We make reasonable efforts to provide useful and accurate information, but website content may change and should not be treated as a guaranteed loan offer or financial outcome. To the extent permitted by law, A.K Financial Services is not responsible for a lender's independent approval or rejection decision, changes to lender policies, or interruptions caused by third-party services.
Nothing in these Terms and Conditions excludes or limits any liability or customer right that cannot lawfully be excluded or limited under applicable law.
Changes to These Terms
A.K Financial Services may update these Terms and Conditions when our services, website, business arrangements, or legal requirements change. The revised terms will be published on this page with an updated date. Please review this page periodically to remain informed.
Governing Law
These Terms and Conditions are governed by the applicable laws of India. Disputes will be addressed by the competent courts or other appropriate forums in accordance with applicable law. Nothing in this section limits any statutory right you may have to approach a competent consumer forum, regulator, or other authority.
Contact A.K Financial Services
If you have questions about these Terms and Conditions or need assistance with our services, please contact us using the details below:
- Company Name: A.K Financial Services
- Email: info@akfinancialservices.com
- Phone: +91-8882133743
- Website: www.akfinancialservices.com
- Address: D-166/487, 3rd Floor, Near Peera Garhi Metro Station, Paschim Vihar, New Delhi, Delhi, 110087
