Terms of Service

1. Introduction

Welcome to NextGrowth Capital. These Terms of Service ("Terms") govern your access to and use of the NextGrowth Capital website, services, forms, tools, and other online services provided by us.

By accessing or using our website or submitting your information through our forms, you acknowledge that you have read, understood, and agreed to these Terms.

2. About NextGrowth Capital

NextGrowth Capital helps individuals and businesses explore loan and financial-product options that may be suitable for their requirements. We may work with banks, NBFCs, financial institutions, lending partners, and other authorized financial service providers.

Our role may include collecting information from customers, understanding their requirements, assisting with the loan application process, and connecting customers with relevant lending or financial partners.

3. We Are Not the Lender

Unless expressly stated otherwise, NextGrowth Capital is not a bank, NBFC, lender, or financial institution. We do not independently approve, sanction, or disburse loans.

Final decisions regarding loan eligibility, interest rates, processing fees, loan amounts, repayment periods, approval, rejection, and other terms are made by the respective bank, NBFC, or financial institution.

4. Eligibility

By using our services, you represent that the information provided by you is accurate, complete, and current.

You should provide genuine and verifiable information when submitting a loan enquiry or application. Providing incorrect, misleading, incomplete, or fraudulent information may result in rejection of your enquiry or application.

5. Information Submitted by You

When you submit an enquiry through our website, you may be required to provide information such as your name, mobile number, email address, employment or income information, loan requirements, and other information necessary to evaluate or process your enquiry.

You authorize us and our relevant financial partners to use the information provided by you for purposes including contacting you, evaluating your requirements, identifying potentially suitable financial products, and assisting with your enquiry or application.

6. Communication Consent

By submitting your details and providing the required consent, you agree that NextGrowth Capital and relevant financial or lending partners may contact you regarding your enquiry.

Communication may take place through telephone calls, SMS, email, WhatsApp, or other permitted communication channels.

You may request that communications be stopped, subject to applicable legal and regulatory requirements.

7. Loan Approval and Financial Terms

Any information displayed on our website regarding loan amounts, interest rates, tenure, eligibility, fees, or other financial terms is for general informational or indicative purposes unless expressly stated otherwise.

Actual terms may vary based on your credit profile, income, documentation, eligibility, lender policies, applicable regulations, and other factors determined by the relevant financial institution.

Submission of an enquiry does not guarantee loan approval, a particular interest rate, loan amount, or disbursement.

8. Banking and Financial Partners

We may connect you with one or more banks, NBFCs, lending institutions, or other financial service providers based on the information and requirements you provide.

Each financial institution may have its own terms, eligibility requirements, privacy practices, fees, and application procedures. You should carefully review the applicable lender's terms before accepting any financial product.

9. User Responsibilities

You agree that you will:

• Provide accurate and complete information.
• Keep your contact information accurate and updated.
• Use the website only for lawful purposes.
• Not submit fraudulent or misleading information.
• Not attempt to interfere with or damage our website.
• Review the terms of any lender before accepting a loan.

10. Acceptable Use

You must not use our website to engage in unlawful activities, attempt unauthorized access, distribute harmful software, scrape or misuse website data, impersonate another person, or interfere with the operation or security of the website.

11. Third-Party Services

Our website may contain links, integrations, or references to third-party websites, banks, NBFCs, lenders, payment providers, or other services.

NextGrowth Capital is not responsible for the content, availability, privacy practices, or terms of third-party services. Your interactions with third parties are subject to their respective terms and policies.

12. No Guarantee

We make reasonable efforts to help customers identify potentially suitable loan options. However, we do not guarantee that you will qualify for a loan, receive an offer, receive a particular interest rate, or obtain funding.

Loan availability and terms may change without notice based on lender policies and individual circumstances.

13. Disclaimer

Information provided through our website is intended for general informational purposes and should not be considered financial, legal, tax, or investment advice.

You should independently review the terms and conditions provided by the relevant financial institution before entering into any financial agreement.

14. Limitation of Liability

To the maximum extent permitted by applicable law, NextGrowth Capital shall not be responsible for losses, damages, delays, rejection of applications, changes in interest rates, lender decisions, or other consequences arising from services or decisions made by third-party financial institutions.

15. Privacy

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

By using our website, you acknowledge that you have read our Privacy Policy and understand how your information may be handled.

16. Intellectual Property

Unless otherwise stated, the content, branding, logos, graphics, text, design, and other materials available on the NextGrowth Capital website are owned by or licensed to NextGrowth Capital.

You may not reproduce, modify, distribute, publish, or commercially exploit our content without prior written permission.

17. Changes to These Terms

We may update or modify these Terms from time to time to reflect changes in our services, business practices, applicable laws, or regulatory requirements.

Updated Terms will be published on this page along with the revised "Last Updated" date. Your continued use of our website after such changes constitutes acceptance of the updated Terms.

18. Suspension or Termination

We reserve the right to suspend or restrict access to our website or services where we reasonably believe that a user has violated these Terms, provided false information, engaged in fraudulent activity, or used the website for an unlawful purpose.

19. Governing Law

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

Any disputes arising in connection with these Terms or the use of our services shall be subject to the jurisdiction of the appropriate courts, subject to applicable law.