Terms and Conditions

These Terms and Conditions ("Terms") govern your use of services provided by Moneymart Consultancy Services ("Company", "we", "us", or "our"), a firm engaged in offering loan consultancy and related advisory services.

By accessing or using our website, submitting your personal data via our online form, or engaging with us for consultancy purposes, you ("user", "client", or "customer") agree to be legally bound by these Terms. If you do not agree with these Terms, you should refrain from using our services.

1. Nature of Services

Moneymart Consultancy Services acts as an intermediary and advisor, offering non-binding consultancy services to individuals or entities seeking financial products such as:

Personal Loans
Business Loans
Home Loans
Loan Against Property (LAP)
Credit Card-based funding
Other finance-related guidance

We do not offer loans or extend credit directly. We facilitate connections between clients and licensed financial institutions, banks, NBFCs (Non-Banking Financial Companies), or other lending partners.

Our service includes:

Assessing client financial needs and eligibility
Recommending suitable lending products based on market availability
Assisting in documentation and loan application submission
Liaising with third-party lenders on your behalf (with consent)

2. User Obligations

By filling out our online form or otherwise submitting your information, you agree to the following:

All information provided by you is accurate, current, and complete.
You are legally competent to enter into a binding agreement.
You grant Moneymart Consultancy Services the right to use, process, store, and share your data solely for the purposes mentioned in these Terms.
You understand that submission of information does not guarantee loan approval or commitment from any lender.

You also confirm that you are the rightful owner of the data being submitted and are not impersonating another individual or entity.

3. Consent to Data Collection and Processing

By submitting your information via our online form or any other medium, you expressly consent to the collection, processing, and sharing of the following types of data:

Personal Information: Full name, date of birth, address, contact details, identification documents (e.g., PAN, Aadhaar)
Financial Information: Monthly income, employment details, bank statements, existing liabilities
Other Relevant Information: Credit score, loan requirements, property or asset details

Your data will be used for:

Internal assessment of your financial needs and loan eligibility
Matching with appropriate financial products
Contacting you for updates, support, or offers related to your financial interests
Submitting your information to our verified lending partners, with your consent, to process loan applications

We do not collect or store sensitive financial credentials such as internet banking passwords or debit card PINs.

4. Sharing of Information

Your data may be shared with:

Registered banks, NBFCs, and financial institutions
Verification agencies (for document validation)
Technology partners involved in processing your request

We ensure that all third-party partners are bound by confidentiality agreements and data protection obligations. Your information will never be sold to unaffiliated third parties for marketing purposes.

5. Data Security and Privacy Policy

Moneymart Consultancy Services adheres to industry-standard security practices to protect your data from unauthorized access, loss, or misuse. This includes encryption, firewalls, and restricted access to personal information.

However, no digital transmission or storage is 100% secure. You acknowledge and accept the inherent risks associated with digital data sharing and waive us from liability for breaches arising from third-party attacks or technical failures beyond our control.

We comply with applicable laws and regulations.

6. No Guarantees or Endorsements

Moneymart Consultancy Services does not guarantee:

Approval of loans or financing
Specific terms, interest rates, or conditions of any loan product
Timeframes for application processing

All decisions rest solely with the respective banks or NBFCs, subject to their internal credit policies and risk assessment.

7. Limitation of Liability

To the maximum extent permitted under applicable law, Moneymart Consultancy Services and its representatives shall not be liable for:

Any denial of a loan or adverse decision made by a third-party financial institution
Financial losses, damages, or disputes arising from the terms of loans offered by third parties
Errors in submitted data or delays in processing caused by the user or third parties
Technical glitches, downtime, or cyber attacks that affect data processing or form submission

Our liability, in any case, shall be limited to the amount paid (if any) for the services availed.

8. Modification of Terms

Moneymart Consultancy Services reserves the right to modify or update these Terms at any time without prior notice. Continued use of the services following any changes constitutes acceptance of the new Terms.

We recommend reviewing these Terms periodically for any updates.

9. Termination of Services

We reserve the right to terminate or restrict access to our services if:

You breach any of the terms outlined herein
You provide false or misleading information
There is suspected misuse of our platform or services

10. Governing Law and Jurisdiction

These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of [Insert State/Country], without regard to its conflict of law principles.

Any disputes shall be subject to the exclusive jurisdiction of the competent courts located in [Insert City/State].

11. Contact Information

For any queries, concerns, or legal notices, please contact:

Moneymart Consultancy Services
Email: officialmail.mcs@gmail.com
Phone: 6001221166
Website: https://www.finmcs.com
Address: Silchar, Assam