Terms & Conditions

Welcome to SB Loans. By accessing or using our website, you agree to comply with the following Terms & Conditions. Please read them carefully before using our website or submitting any enquiry.

1. About Our Services

SB Loans provides information, assistance, and consultancy related to various financial products, including:

• Home Loans

• Car Loans

• Personal Loans

• Business Loans

• Loan Against Property

• Insurance Services

SB Loans may assist customers in connecting with appropriate banks, NBFCs, financial institutions, insurance companies, or other service providers.

SB Loans does not guarantee approval, sanction, disbursement, interest rate, loan amount, or any other terms of a loan. Final approval and terms are solely determined by the concerned bank, NBFC, financial institution, or service provider based on its eligibility criteria and policies.

2. Eligibility

By using this website and submitting an enquiry, you confirm that:

• You are at least 18 years of age.

• The information provided by you is true and accurate.

• You have the legal authority to enter into an agreement with the relevant financial institution or service provider.

• You will provide genuine and valid information and documents when requested.

3. Information Provided by Users

You are responsible for ensuring that all information submitted through our website, enquiry forms, phone calls, WhatsApp, email, or other communication channels is accurate and complete.

SB Loans shall not be responsible for any delay, rejection, loss, or other consequences resulting from incorrect, incomplete, misleading, or outdated information provided by the user.

4. Loan Approval

Submission of a loan enquiry does not constitute approval or a guarantee of a loan.

Loan approval depends on factors including, but not limited to:

• Credit history and credit score

• Income and employment/business profile

• Existing financial obligations

• Documentation

• Property or vehicle details, where applicable

• Internal policies of the concerned lender

• Applicable laws and regulations

The final decision remains with the concerned lender.

5. Interest Rates and Charges

Interest rates, processing fees, documentation charges, insurance charges, penalties, and other applicable charges may vary depending on the lender, product, applicant profile, and prevailing policies.

Users should verify all applicable charges and terms directly with the concerned lender before accepting any loan or financial product.

6. No Guarantee

SB Loans makes reasonable efforts to provide accurate information and assistance; however, we do not guarantee:

• Loan approval

• Specific interest rates

• Specific loan amounts

• Processing or approval timelines

• Disbursement of funds

• Acceptance by any particular lender

Any estimated information provided on the website is for general guidance only.

7. Third-Party Services

Our website may contain information, links, or references relating to third-party banks, NBFCs, insurance companies, financial institutions, or other service providers.

SB Loans is not responsible for the policies, services, decisions, terms, or actions of third-party service providers.

Users should carefully review the terms and conditions of the concerned provider before proceeding with any financial product.

8. Website Content

We make reasonable efforts to keep the information on our website accurate and up to date. However, information relating to financial products, interest rates, eligibility criteria, offers, and services may change without prior notice.

The content provided on this website is for general informational purposes only and should not be considered financial, legal, or investment advice.

9. User Responsibilities

Users agree not to:

• Provide false or misleading information

• Submit fraudulent documents

• Use the website for unlawful purposes

• Attempt to gain unauthorized access to the website

• Interfere with the website’s operation or security

• Use another person’s information without authorization

• Misuse any information obtained through the website

10. Communication Consent

By submitting your contact details through our website, you consent to being contacted by SB Loans and/or relevant service providers regarding your enquiry.

Communication may take place through:

• Phone calls

• SMS

• WhatsApp

• Email

You may request to stop promotional communications at any time.

11. Intellectual Property

All content on this website, including text, logos, graphics, images, designs, and other materials, is owned by or licensed to SB Loans unless otherwise stated.

You may not reproduce, copy, modify, distribute, or use website content for commercial purposes without prior written permission.

12. Limitation of Liability

To the extent permitted by applicable law, SB Loans shall not be liable for any direct, indirect, incidental, consequential, or other loss arising from:

• Loan rejection

• Delay in loan processing

• Changes in interest rates

• Actions or decisions of third-party lenders

• Incorrect information supplied by users

• Technical problems or temporary unavailability of the website

• Use of third-party websites or services

13. Privacy

Your use of our website is also subject to our Privacy Policy, which explains how we collect and use personal information.

14. Changes to Terms

SB Loans reserves the right to modify, update, or change these Terms & Conditions at any time without prior notice.

Updated terms will be published on this page along with the revised “Last Updated” date.

15. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.

Any disputes arising in connection with these Terms & Conditions shall be subject to the jurisdiction of the appropriate courts in India.

16. Contact Us

For questions regarding these Terms & Conditions, please contact:

SB Loans
Email: sbloans.info@gmail.com
Phone: +91 93190 18522