TERMS & CONDITIONS
Effective Date: 12/02/2026
Website: www.loannivaran.com
Company Name: Loan Nivaran
1. Acceptance of Terms
By accessing or using this website and our services, you agree to comply with these Terms & Conditions.
If you do not agree, please do not use the website.
2. Nature of Services
Loan Nivaran provides:
• Loan resolution advisory
• Negotiation guidance support
• Borrower rights education
• Strategic financial consultation
We are not a bank, NBFC, financial institution, or legal court authority.
We do not provide guaranteed settlement outcomes.
3. User Responsibilities
You agree:
• To provide accurate and truthful information
• Not to misuse our website
• Not to engage in fraudulent activities
• Not to impersonate another individual
Providing false financial details may result in service termination.
4. No Guarantee Clause
Settlement decisions are made solely by lenders.
Loan Nivaran does not guarantee:
• Specific settlement percentages
• CIBIL score outcomes
• Legal case dismissal
We provide advisory and structured guidance only.
5. Fees & Payments
• Service fees (if applicable) will be communicated clearly
• Payment terms will be documented before onboarding
• Fees once paid may be subject to refund policy terms
6. Intellectual Property
All content on this website including:
• Text
• Logos
• Graphics
• Process frameworks
Are the property of Loan Nivaran and cannot be copied without permission.
7. Limitation of Liability
Loan Nivaran shall not be liable for:
• Bank decisions
• Legal actions initiated by lenders
• Financial losses arising from user decisions
Users act based on advisory guidance at their own discretion.
8. Governing Law
These Terms are governed by the laws of India.
Jurisdiction: Courts of [Insert City, e.g., Pune, Maharashtra].
2️⃣ REFUND POLICY
1. Consultation Fees
Initial consultation fees (if charged) are non-refundable once service has commenced.
2. Service Fees
Refund eligibility depends on:
• Stage of service
• Documentation work completed
• Engagement level
If cancellation is requested before strategic planning begins, partial refund may be considered.
3. No Refund Conditions
Refunds will not be issued if:
• User provides false information
• User withdraws after lender negotiation begins
• Services have been substantially delivered
4. Processing Timeline
Approved refunds will be processed within 7–15 business days.
3️⃣ DISCLAIMER PAGE
General Disclaimer
Loan Nivaran provides financial advisory and negotiation assistance services.
We do not:
• Represent ourselves as a bank or NBFC
• Guarantee loan waivers
• Provide illegal debt elimination services
All settlement decisions are subject to lender approval.
Legal Disclaimer
Information provided on this website is for educational purposes only and does not constitute legal advice.
Users are advised to consult a qualified legal professional for specific legal matters.
Credit Score Disclaimer
Loan settlement may impact your credit profile. We advise users about potential consequences before proceeding.
No Affiliation Disclaimer
Loan Nivaran is not affiliated with:
• RBI
• Any bank
• Any NBFC
• Government authorities
4️⃣ COOKIE POLICY
1. What Are Cookies?
Cookies are small files stored on your device that help improve browsing experience.
2. Types of Cookies We Use
• Essential cookies (website functionality)
• Analytical cookies (traffic analysis)
• Performance cookies
We do not use cookies to collect sensitive financial data.
3. Managing Cookies
You can disable cookies in your browser settings.
However, disabling essential cookies may affect website functionality.
5️⃣ LEGAL COMPLIANCE (Aligned with Indian IT Act, 2000)
This website complies with:
• Information Technology Act, 2000
• IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• Indian Contract Act, 1872
• RBI Fair Practice Guidelines (Borrower Awareness Context)
Data Protection Practices
We implement reasonable security practices including:
• Secure server infrastructure
• Access control systems
• Confidential case handling
• Limited data access authorization
Sensitive Personal Data
As per IT Rules 2011, sensitive personal data may include:
• Financial information
• Loan account details
We collect such data only with user consent and for service purposes.
Grievance Officer
As required under IT Act 2000:
Grievance Officer Name: [Insert Name]
Email: grievance@loannivaran.com
Response Timeline: Within 30 days
Electronic Communication Consent
By submitting forms on this website, you consent to receive communication via:
• Call
• SMS
• WhatsApp
• Email
You may withdraw consent at any time.