1. Introduction
Welcome to Dhan Shakti Microfinance. By accessing or using our website and services, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use our website.
2. Eligibility
- You must be at least 18 years old to use our services.
- You must provide accurate and complete information during registration or loan application.
- You must be legally capable of entering into a binding contract under Indian law.
3. Services Offered
We provide:
- Joint Liability Group (JLG) Loans
- Small Business Loans
- Personal Loans
All loan approvals are subject to internal verification, eligibility checks, and documentation.
4. Loan Terms
- Interest rates, tenure, and repayment schedules will be clearly communicated before loan disbursement.
- Borrowers must repay loans as per agreed terms.
- Late payments may attract penalties, additional interest, or legal action.
- The company reserves the right to reject any loan application without providing a reason.
5. User Responsibilities
By using our website, you agree:
- Not to provide false or misleading information
- Not to misuse or attempt to hack the website
- Not to use the platform for illegal activities
- To maintain confidentiality of your login details
6. KYC & Compliance
- Users must complete KYC (Know Your Customer) as per applicable laws.
- We may verify your identity through Aadhaar, PAN, or other documents.
- Failure to comply may result in rejection or termination of services.
7. Data Privacy
- Your personal information is handled as per our Privacy Policy.
- We may share data with:
- Credit bureaus (e.g., CIBIL, Equifax)
- Regulatory authorities
- Banking/NBFC partners
- We ensure reasonable protection of your data but do not guarantee absolute security.
8. Credit Bureau Reporting
- All loans may be reported to credit bureaus.
- Late or missed payments can negatively impact your credit score.
9. Fees & Charges
- Processing fees, service charges, and penalties (if applicable) will be disclosed upfront.
- All charges are non-refundable unless stated otherwise.
10. Website Usage
- Content on this website is for informational purposes only.
- We do not guarantee that the website will always be:
- Error-free
- Uninterrupted
- We may update or discontinue services without prior notice.
11. Intellectual Property
- All content (logo, text, design) belongs to Dhan Shakti Microfinance.
- Unauthorized use, copying, or reproduction is strictly prohibited.
12. Limitation of Liability
- We are not liable for:
- Any indirect or consequential losses
- Loss due to incorrect user information
- Technical issues beyond our control
13. Third-Party Links
- Our website may contain links to third-party websites.
- We are not responsible for their content or privacy practices.
14. Termination of Services
We reserve the right to:
- Suspend or terminate access if:
- Terms are violated
- Fraud or suspicious activity is detected
15. Governing Law
- These terms are governed by the laws of India.
- Any disputes shall be subject to jurisdiction of courts in Indore, Madhya Pradesh.
16. Changes to Terms
- We may update these Terms at any time.
- Continued use of the website means you accept the updated Terms.
17. Contact Information
For any queries or complaints, contact:
- Email: dhanshaktiinfo@gmail.com
- Phone: +91 7089388033
- Address: Wb 64A, Scheme no. 94, Ring Road Indore, M.P, 452010