Terms & Conditions

1. About Jayostute

Jayostute Capital Private Limited (formerly known as Pyar Finance Private Limited) is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). All loan products and services offered are subject to applicable laws, regulations, and internal policies.

2. Website Usage

• This website is intended to provide general information about Jayostute’s loan products and services.
• Accessing or using this website does not create a contractual relationship or guarantee loan approval.
• Users must ensure that the information they provide is accurate, complete, and up to date.

3. Loan Applications & Enquiries

• Submission of an enquiry or application does not guarantee loan approval or disbursement.
• All loan products are subject to internal assessment, verification, and applicable regulatory guidelines.
• Loan terms including amount, interest rate, tenure, and applicable charges are determined after evaluation.
• Jayostute reserves the right to accept or reject any application without assigning reasons, as permitted by law.

4. Accuracy of Information

• Users are responsible for ensuring the accuracy of information provided during enquiries or applications.
• Jayostute shall not be responsible for any consequences arising from incorrect, incomplete, or misleading information submitted by users.

5. KYC & Verification

• Jayostute may collect personal, financial, and KYC information as required under applicable laws and RBI guidelines.
• Additional documents or information may be requested during the evaluation or verification process.
• Failure to provide required information may result in rejection or delay of the application.

6. Use of Information

• Information collected through this website is used for processing enquiries, loan applications, verification, communication, and regulatory compliance.
• Jayostute may share information with third parties such as credit bureaus, verification agencies, or regulatory authorities, strictly for lawful purposes.

7. Intellectual Property

• All content on this website, including text, graphics, logos, and design elements, is the property of Jayostute or its licensors.
• No content may be copied, reproduced, or distributed without prior written permission from Jayostute.

8. Limitation of Liability

• Jayostute shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use this website.
• The website and its content are provided on an “as is” basis without warranties of any kind.

9. Third-Party Links

• This website may contain links to external websites for informational purposes.
• Jayostute does not endorse or control such third-party websites and is not responsible for their content or practices.

10. Compliance & Regulatory Disclaimer

• Jayostute operates in compliance with RBI regulations applicable to NBFCs.
• Users are advised that financial products involve risks and should carefully review terms before applying.

11. Modification of Terms

Jayostute reserves the right to modify or update these Terms & Conditions at any time without prior notice. Updated terms will be effective once published on this website.

12. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of India. Courts located in Mumbai shall have exclusive jurisdiction over any disputes.

13. Contact Information