Terms & Conditions

1. Who We Are

HBPL Financial Services Pvt. Ltd. (“HBPL”, “we”, “our”, “us”) is a professional loan assistance and financial consulting company.

• We do not provide loans directly.
• We do not charge any fees from customers.
• Our role is to guide and assist customers in connecting with suitable banks and NBFCs, based on eligibility and requirements.

2. Our Promise – 100% Free & Transparent

At HBPL, customer trust comes first.

• No processing fees
• No service charges
• No hidden costs
• No upfront payments

All loan-related charges, if any, are charged directly by the bank or NBFC, strictly as per their policies — never by HBPL.

3. Nature of Our Services

HBPL provides:

• Free loan consultation & guidance
• Eligibility assessment support
• Assistance in documentation & application process
• Connecting customers with appropriate banks or NBFCs

Loan approval, interest rate, tenure, and disbursement are solely decided by the respective bank or NBFC.

5. Customer Responsibility

By using our services, you confirm that:

• You are 18 years or above
• All information shared is true and accurate
• You are seeking loan assistance for lawful purposes

Incorrect or incomplete information may result in rejection by the lender.

6. Data Usage & Consent

• Customer information is shared only with banks or NBFCs for loan processing
• Data is shared only after customer consent
• HBPL does not sell or misuse customer data

Your privacy is important to us. Please refer to our Privacy Policy for details.

7. Informational Disclaimer

All content on this website is provided for general guidance and awareness only. Customers are encouraged to independently review and confirm loan terms with the respective bank or NBFC before proceeding.

8. Limitation of Liability

HBPL shall not be liable for:

• Loan rejection or delays
• Changes in interest rates or lender policies
• Decisions made by banks or NBFCs
• Any loss arising from third-party actions

Use of our services is entirely at the customer’s discretion.

9. Intellectual Property

All website content, branding, logos, and materials belong to HBPL Financial Services Pvt. Ltd. Unauthorized use or reproduction is strictly prohibited.

10. Service Updates

To enhance customer experience or comply with regulations, HBPL may update or modify services or these Terms & Conditions from time to time. Continued use of the website implies acceptance of updated terms.

11. Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in West Bengal, India.