Terms and Conditions: www.PrestLoans.com (Lord Krishna Financial Services Ltd).

1. I/We confirm that we have carefully read and fully understood all the terms of use of availing financing that are listed on Prestloans.com website of Lord Krishna Financial Services Ltd at Terms and Conditions & Privacy Policy and applicable to any loan availed through the company’s website referred as the “Company’ or “Lender” or “prestloans.com”. I understand that www.prestloans.com or prestloans.com represent the non-banking finance company ‘Lord Krishna Financial services Ltd’.
2. I/We accept the terms & conditions unconditionally and agree that these terms and conditions may be amended or modified at any time and I/we will be bound by the amended terms & conditions that are in force. I/we shall keep myself/ ourselves updated on all such updates.
3. I/We understand that sanction of the loan(s) is at the sole discretion of the Company and is subject to my/our execution of necessary documents, providing any security (where applicable) and other closing formalities to the satisfaction of the Lender. I/We agree that the Company at its sole discretion may reject my application without providing any reasons, and that I/We reserve no right to appeal against this decision.
4. I/We understand that it is my/our responsibility to fully read and understand the terms and conditions of the loan documents and make ourselves fully aware of all the obligations that we will have as a borrower under the loan documents. It will be solely at our discretion and our informed decision to proceed or not proceed with availing of the loan from the Company basis the terms and conditions of the loan documents.
5. I agree that I shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Company website, except that which I may download for my own personal, non-commercial use
6. I understand and accept that all information submitted by me through prestloans.com shall be deemed the property of the Company, and the Company shall be free to use any ideas, concepts, know-how or techniques provided by me at prestloans.com, in any manner whatsoever. On initiating a contact through prestloans.com I agree to being contacted by the Company or any other entities with whom the Company has entered into an arrangement.
7. I/We declare that I am/we are citizens of/resident in India and I/we declare, warrant and represent that all the particulars and information and details given / filled in this application form and documents given by me/us to are true, correct and accurate and I/we and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered herein via prestloans.com and I/we have not withheld / suppressed any material information. I/We undertake to furnish any additional information/ documents that may be required by prestloans.com from time to time. The company reserves the right to retain the photograph & all the documents submitted with the applications & may not return the same to the applicant.
8. I/We confirm that there are no insolvency proceedings against me/us nor have I/we ever been adjudicated insolvent. I/We also undertake to inform the Company of changes in my/our occupation/employment and to provide any further information that the Company may require. I/We shall advise the Company on the change in my/our resident status.
9. I/We agree that my/our loan will not be used for any speculative or anti-social purpose.
10. As a pre-condition, relating to grant of the loans/advances/credit facilities by prestloans.com to me/us, I/We agree and give consent for the disclosure by prestlaons.com of: (I) information and data relating to me/us and our directors and group companies; (II) the information or data relating to any credit facility availed of/to be availed, by me/us; and (III) default, if any, committed by me/us, in discharge of any our obligations, to all or any third parties as may be deemed necessary at the sole discretion of prestlaons.com and/or as may be required under the applicable laws in force and/or upon the direction of statutory/ governmental authorities.
11. The Company may, as it reasonably deems appropriate and necessary, disclose and furnish information as set forth above to CIBIL and/or any other agency authorized in this behalf by the Reserve Bank of India. The Borrower hereby agrees that the Company shall be entitled to exchange information regarding our accounts with other financial institutions or banks, as and when required in accordance with Applicable Law and regulations.
12. I/We undertake and acknowledge that: (a) For the purpose of assessing our credit worthiness, the Company is authorized to pull from CIBIL and/or any other agency authorized by RBI, data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan application is made; (b) CIBIL and any other agency so authorized may use, process the said information and data disclosed by the Company in the manner as deemed fit by them; and (c) CIBIL, and any other agency so authorized may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors or registered users, as may be specified by the RBI in this behalf.
13. I/We further authorize the Company to keep me/us informed (vide telephone, SMS, mail, E-mail, notification on mobile app etc.) of all promotional schemes, application status, my account information, notices and/or activities etc.