Disclaimer

Last Updated: January 2026

Please read this disclaimer carefully before using DigiFinSrv's website and services. This disclaimer governs your use of our website and services and clarifies our role, responsibilities, and limitations.

1. Nature of Services

1.1 Intermediary Role

DigiFinSrv is a Direct Selling Agent (DSA) and loan facilitator. We are NOT:

• A bank or financial institution
• A Non-Banking Financial Company (NBFC)
• A money lender
• A credit provider
• A guarantor of loan approval

1.2 Our Role

We act as an intermediary between loan seekers and various banks/financial institutions. We:

• Facilitate loan applications
• Provide information about loan products
• Assist with documentation
• Connect customers with appropriate lenders
• Offer guidance on loan eligibility

We do not make lending decisions, set interest rates, or disburse loans.

2. No Guarantee of Loan Approval

IMPORTANT: Submission of a loan application through DigiFinSrv does not guarantee:

• Loan approval
• Approval of the requested loan amount
• Specific interest rates or terms
• Approval within a specific timeframe
• Approval from any particular lender

All loan decisions are made solely by the lending institution based on their internal credit policies, underwriting guidelines, and regulatory requirements. We have no control over or influence on these decisions.

3. Information Accuracy

3.1 Website Information

While we strive to provide accurate and up-to-date information on our website, we cannot guarantee that all information is:

• Completely accurate at all times
• Comprehensive or exhaustive
• Applicable to your specific situation
• Free from errors or omissions

3.2 Loan Products and Terms

Information about loan products, interest rates, fees, and terms displayed on our website is:

• Subject to change without notice
• Indicative and not binding
• Based on information provided by lenders
• May vary based on individual eligibility
• Subject to lender's final terms and conditions

Always verify all terms directly with the lender before making any commitments.

4. Lender-Specific Disclaimers

4.1 Independent Lenders

Each lending institution we work with is an independent entity with its own:

• Credit policies and procedures
• Eligibility criteria
• Documentation requirements
• Processing times
• Terms and conditions
• Fees and charges

4.2 Lender Decisions

We are not responsible for:

• Lender's acceptance or rejection of applications
• Changes in lender's policies or products
• Delays in lender's processing
• Errors or omissions by the lender
• Lender's customer service or support
• Disputes between you and the lender

5. Estimated Timelines

5.1 Processing Time

References to "48-hour approval" or similar timelines are:

• Indicative only and not guaranteed
• Subject to complete and accurate documentation
• Dependent on lender's internal processes
• May vary based on loan type and amount
• Referring to in-principle approval, not final disbursement

5.2 Actual Processing

Actual loan processing and disbursement times depend on multiple factors:

• Completeness of documentation
• Verification requirements
• Property valuation (for home/mortgage loans)
• Legal checks and clearances
• Lender's workload and processes
• Holidays and weekends

6. Eligibility and Assessment

6.1 Eligibility Calculator

Our EMI calculator and eligibility assessment tools provide:

• Estimates based on information you provide
• General guidance, not definitive approval
• Calculations that may differ from actual lender offers

These tools do not constitute a binding offer or guarantee of loan approval.

6.2 Credit Assessment

Actual loan eligibility depends on factors including but not limited to:

• Credit score (CIBIL/credit bureau scores)
• Income and employment stability
• Existing financial obligations
• Age and residency status
• Property valuation (for secured loans)
• Lender's specific criteria

7. Fees and Charges

7.1 Our Fees

While our consultation services are generally free, please note:

• We receive commission from lenders upon successful loan disbursement
• Any service fees (if applicable) will be communicated in advance
• We do not charge hidden fees

7.2 Lender Charges

Lenders may charge various fees including:

• Processing fees
• Documentation charges
• Valuation fees
• Legal and technical fees
• Prepayment or foreclosure charges
• Penal charges for late payment

These charges are set by lenders and are not controlled by DigiFinSrv.

8. Credit Score Impact

Important Notice: Applying for a loan may impact your credit score. When you apply:

• Lenders may perform a "hard inquiry" on your credit report
• Multiple loan applications may negatively affect your credit score
• Loan rejections may impact your creditworthiness
• We recommend applying only when you are ready and eligible

9. Third-Party Content and Links

Our website may contain links to third-party websites or content from external sources. We:

• Do not endorse or control third-party content
• Are not responsible for third-party websites or their content
• Do not guarantee the accuracy of third-party information
• Are not liable for any damages arising from third-party interactions

You access third-party websites at your own risk.

10. Professional Advice Disclaimer

10.1 Not Financial Advice

Information provided on our website and through our services:

• Is for general informational purposes only
• Should not be considered as financial, legal, or tax advice
• Is not a substitute for professional advice
• May not be suitable for your specific circumstances

10.2 Independent Professional Advice

We strongly recommend consulting with qualified professionals:

• Financial Advisors for investment and loan decisions
• Legal Advisors for contract review and legal implications
• Tax Consultants for tax-related matters
• Real Estate Experts for property transactions

11. Limitation of Liability

11.1 No Liability For

To the maximum extent permitted by law, DigiFinSrv shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Loan rejection or unfavorable terms
• Delays in loan processing or disbursement
• Errors or inaccuracies in information provided
• Technical issues or website downtime
• Actions or omissions of third parties (including lenders)
• Loss or theft of data
• Unauthorized access to your information

11.2 Use at Your Own Risk

You acknowledge that use of our services is at your sole risk. Our services are provided "as is" without warranties of any kind.

12. Market Conditions

Loan products, interest rates, and terms are subject to:

• Market conditions and economic factors
• Reserve Bank of India (RBI) policies
• Government regulations and guidelines
• Individual lender policies
• Your credit profile and eligibility

Rates and terms mentioned on our website may change without prior notice.

13. Regulatory Compliance

While we strive to comply with all applicable regulations:

• We cannot guarantee that our services comply with laws in all jurisdictions
• You are responsible for ensuring your loan application complies with local laws
• We are not responsible for any legal consequences arising from your loan application

14. Customer Responsibilities

You are solely responsible for:

• Providing accurate and complete information
• Understanding loan terms before accepting
• Repaying loans as per the agreed schedule
• Maintaining confidentiality of your information
• Verifying all information provided to you
• Making informed financial decisions

15. Disputes and Resolution

15.1 With Lenders

Any disputes regarding loan terms, disbursement, repayment, or other loan-related matters must be resolved directly with the lender. We are not a party to your loan agreement.

15.2 With DigiFinSrv

For any concerns about our services, please contact us first. We will make reasonable efforts to resolve your concerns.

16. Changes to Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of the modified disclaimer.

17. Governing Law and Jurisdiction

This disclaimer and the use of this website shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of Chennai, Tamil Nadu.

18. Contact Information

For questions or clarifications regarding this disclaimer, please contact us: