This Policy document (“Policy”) outlines the core principles, rules, and operational procedures of Ineisha Fintech Private Limited (“Company,” “we,” “us,” or “our”). The purpose of this Policy is to ensure transparent, ethical, and customer-focused financial services while maintaining compliance with all applicable laws and regulatory requirements in India. It applies to all employees, partners, customers, and stakeholders engaging with our services.

1. Objective of the Policy
Our objective is to provide customers with seamless, transparent, and efficient financial facilitation services by connecting them with banks, NBFCs (Non-Banking Financial Companies), and other lending institutions. We strive to maintain trust, safeguard data, and ensure that all transactions are compliant with industry standards. This Policy governs our interactions, service standards, customer rights, and responsibilities.

2. Nature of Business
Ineisha Fintech Private Limited operates as a DSA (Direct Selling Agent) and financial solutions provider, offering services including but not limited to:
Personal loans
Business loans
Home loans
Professional loans
Vehicle loans
Education loans
Loan against property
We act solely as a facilitator between the customer and the lending institution. Loan sanctioning, disbursement, interest rates, and repayment schedules are determined solely by the lending partner.

3. Code of Conduct
We are committed to conducting business ethically and professionally. All our employees and representatives must:
Treat customers with respect and fairness.
Avoid misleading, coercive, or aggressive sales tactics.
Provide accurate and up-to-date information about products and services.
Maintain confidentiality of customer data at all times.

4. Customer Eligibility
The Company will only process applications from individuals who:
Are 18 years or older.
Possess valid KYC (Know Your Customer) documents.
Have a stable source of income or meet the lending partner’s financial criteria.
Agree to the verification and credit check process as required by the lender.

5. Loan Application Process
Customers applying for loans through Ineisha Fintech must:
Provide truthful, complete, and verifiable information.
Submit necessary documentation for verification.
Understand that submission of an application does not guarantee loan approval.
The Company reserves the right to decline applications without providing specific reasons.

6. Documentation and Verification Policy
To process a loan application, the Company will collect documents including:
Identity proof (Aadhaar, PAN, Passport, Voter ID)
Address proof (utility bill, rental agreement, driving license)
Income proof (salary slips, bank statements, ITR)
Any other documents required by the lending institution.
All documents will be verified through approved third-party verification agencies, credit bureaus, and government records as necessary.

7. Interest Rates and Charges Policy
Interest rates, processing fees, prepayment charges, and penalties are determined solely by the lending partner.
Customers must review the loan agreement from the lender before signing.
The Company will not modify or influence the rates set by the lender.

8. Loan Disbursement Policy
The disbursement of loans is entirely at the discretion of the lending partner.
The Company will ensure timely submission of complete applications to the lender.
Disbursement timelines may vary and are not under the Company’s control.

9. Data Privacy and Security Policy
We are committed to protecting customer information.
All personal and financial data collected is used only for loan processing, verification, and compliance purposes.
Data will be shared only with lending partners, credit bureaus, and verification agencies as required.
We follow industry-standard encryption and storage practices to prevent unauthorized access.
Customers may request deletion of their data after the loan process is completed, subject to legal retention requirements.

10. Anti-Money Laundering (AML) and Fraud Prevention Policy
Ineisha Fintech strictly complies with AML guidelines and actively works to prevent fraudulent activities.
Any suspicious transactions will be reported to the appropriate authorities.
Loan applications involving forged documents or false information will be rejected, and legal action may be initiated.

11. Communication Policy
All customer communications will be conducted in a respectful, professional, and non-intrusive manner.
We will only contact customers through approved channels (phone, email, SMS, WhatsApp) for service-related matters.
Marketing communications will be sent only with the customer’s consent.

12. Grievance Redressal Policy
We value customer satisfaction and provide the following grievance redressal process:
Customers may lodge complaints via email, phone, or in writing.
All complaints will be acknowledged within 48 hours.
Resolution will be provided within 7–15 business days depending on the nature of the issue.

13. Third-Party Engagement Policy
The Company works with multiple banks and NBFCs to provide loan options.
We are not responsible for delays, disputes, or changes in policies made by lending partners.
Any contractual obligation regarding repayment, penalties, or foreclosure is between the customer and the lender.

14. Refund and Cancellation Policy
Processing fees paid to the lender are non-refundable.
If a customer chooses to cancel their loan application before disbursement, they must inform the Company in writing.
Any refund eligibility will be as per the lender’s policy.

15. Compliance and Legal Policy
The Company complies with the Reserve Bank of India (RBI) guidelines, Information Technology Act, 2000, and other applicable laws.
Any breach of law by employees or customers will result in strict legal action.

16. Policy Amendments
We reserve the right to update this Policy at any time without prior notice. The updated Policy will be posted on our website, and continued use of our services implies acceptance of the changes.

17. Termination of Services Policy
We may terminate services if:
A customer provides false or misleading information.
A customer engages in fraudulent or unlawful activities.
There is non-cooperation during the verification process.
Termination will not affect obligations under an existing loan agreement.

18. Customer Responsibilities
Provide truthful and updated information.
Read and understand the terms of the loan agreement before acceptance.
Repay the loan on time as per the agreed schedule.
Notify the lender and Company of any changes in contact details or financial status.

19. Dispute Resolution Policy
All disputes will first be addressed through internal resolution mechanisms.
If unresolved, disputes will be subject to the jurisdiction of the courts in prayagraj UP, India.

20. Policy Acknowledgement
By engaging with Ineisha Fintech Private Limited’s services, customers acknowledge that they have read, understood, and agreed to this Policy in its entirety.