Terms of Use

Welcome to Dhanjyoti Capital (hereinafter referred to as “we”, “us”, “our”, or “Company”). These Terms of Use (“Terms”) govern your access to and use of our website, platform, products, and services, including but not limited to loan offerings, credit facilities, and financial consultation (collectively referred to as “Services”). By accessing or using our Site or Services, you agree to be legally bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our Site or Services.

1. Acceptance and Eligibility

By using our Site and applying for our financial products or Services, you affirm that you:

• Are a natural person legally capable of entering into binding contracts under Indian law;
• Are at least 21 years old and not more than 60 years of age;
• Are an Indian resident with valid identification and KYC documents;
• Will provide true, accurate, and complete information to us during registration and loan applications;
• Agree to comply with these Terms and all applicable laws and regulations.

2. Use of Services and Restrictions

You agree to use our Services strictly for lawful purposes and in compliance with these Terms. You shall not:

• Use the Services for any fraudulent, unlawful, or malicious purposes;
• Attempt to manipulate or disrupt the functioning or security of the Site;
• Share or misuse any login credentials or sensitive data;
• Copy, reproduce, distribute, or exploit any content or intellectual property without our express permission;
• Engage in behavior that harms our reputation or other users.

3. Loan Application, Processing, and Approval

Submitting a loan application via our Site is an expression of interest and does not guarantee loan approval. All loan applications undergo rigorous evaluation based on your creditworthiness, eligibility criteria, and internal risk assessment. We reserve the right to:

• Request additional documents or information;
• Accept or reject any loan application at our sole discretion without providing reasons;
• Set applicable interest rates, processing fees, tenure, and other terms based on RBI guidelines and market conditions;
• Adhere strictly to all regulatory and compliance mandates issued by the Reserve Bank of India (RBI) and other authorities.

4. Interest Rates, Fees, and Repayment

Details related to interest rates, fees (processing, prepayment, penalties), taxes, and repayment schedules (including EMI options) will be clearly communicated prior to loan disbursal. Failure to repay on time may lead to penalties, affect your credit score, and impact your future loan eligibility.

5. Privacy and Data Security

Your privacy is paramount to us. We collect, store, and process your personal data in accordance with the Information Technology Act, 2000, and our Privacy Policy. By using our Services, you consent to sharing your data with authorized credit bureaus, third-party verifiers, and financial partners for purposes including credit assessment, fraud prevention, and regulatory compliance.

6. Intellectual Property Rights

All content on our Site including logos, trademarks, software, graphics, and text is owned by or licensed to Dhanjyoti Capital. You agree not to copy, alter, distribute, or create derivative works without explicit written consent.

7. Third-Party Websites and Links

Our Site may contain links to external websites for your convenience. We do not endorse or assume responsibility for the content, privacy policies, or practices of these third-party sites. Use them at your own discretion and risk.

8. Disclaimer of Warranties

Our Site and Services are provided "as is" without any express or implied warranties, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. While we strive for accuracy and reliability, we do not guarantee the completeness or timeliness of any information.

9. Limitation of Liability

To the fullest extent permitted by law, Dhanjyoti Capital shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from your use or inability to use the Site or Services, including loss of profits, data, or goodwill. This limitation does not apply in cases of death or personal injury caused by our negligence.

10. Indemnification

You agree to indemnify and hold harmless Dhanjyoti Capital, its officers, employees, agents, and affiliates from and against any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of or relating to your violation of these Terms or misuse of our Site or Services.

11. Termination and Suspension

We reserve the right to suspend or terminate your access to the Site and Services without notice if you breach these Terms or engage in fraudulent or illegal activities.

12. Changes to Terms

Dhanjyoti Capital reserves the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Site or Services after changes indicates your acceptance of the updated Terms. We recommend reviewing these Terms periodically.

13. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India. Any disputes arising from or related to these Terms or Services shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.

14. Contact Us

Dhanjyoti Capital
Diamond House, 9 Vatchagandhi Road, Gamdevi,
Mumbai, Maharashtra, India
Email: info@dhanjyoticapital.com
Phone: +91 9153887109

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About Dhanjyoti Finance

Dhanjyoti Finance is operated by Beautiful Securities Ltd., a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). CIN: U67120MH1994PLC076468.
Registered Office: 123, Business Plaza, Sector 15, Vashi, Navi Mumbai, Maharashtra, India - 400703.
Contact: +91 9153887109 | Email: info@dhanjyoticapital.com