Terms and Conditions

01. Corporate Role & Sourcing Scope

These Terms and Conditions (“Terms”) govern the access and utilization of consultation platforms, referral workflows, and digital documentation portals provided by Capital Solutions Private Limited (“Company”, “we”, “us”, or “our”).

• Intermediary Status: The Company acts as a bridge between prospective borrowers and RBI-regulated lending institutions (commercial banks, housing finance companies, and NBFCs).
• No Direct Underwriting: The Company does not disburse credit from its own balance sheet, hold deposits, execute guarantees, or underwrite financial risks. Sanction decisions, interest rate margins, and disbursements rest entirely with the partner lenders.
• Territorial Scope: Services are offered within India, with a dedicated operational presence across Kochi, Thrissur, Trivandrum, and the broader state of Kerala.

02. Reserve Bank of India (RBI) Regulatory Alignment

All loan sourcing, document facilitation, and product communications strictly align with consumer protection directions formulated by the Reserve Bank of India:

• Key Facts Statement (KFS): In line with RBI mandates, every retail and MSME borrower is entitled to a standardized KFS from the designated lending entity prior to execution. Borrowers must review the Annual Percentage Rate (APR), schedule of recovery fees, and net disbursed sums.
• Transparent Penal Charges: Partner lenders must adhere strictly to RBI directions governing penal charges in loan accounts, ensuring penalties for default are non-compounding and reasonable.
• Zero Prepayment Penalties: Individual borrowers availing floating-rate term facilities for non-business purposes shall not be levied prepayment or foreclosure penalties by regulated lenders.
• Fair Practices Code: Sourced institutions must abide by ethical collection procedures and courteous borrower communications in full compliance with RBI circulars.

03. Applicant Representations & Verification Consent

By engaging with Capital Solutions Private Limited, you declare, represent, and agree to the following:

• Truthfulness of Information: All identity documents, income records, salary slips, property deeds, and tax filings furnished by you are authentic, accurate, and lawfully obtained.
• Consent for Transmission: You explicitly authorize the Company to share your submitted files with partnered, regulated banks and NBFCs for initial appraisal, KYC verification, and formal credit checks.
• Credit Bureau Queries: You acknowledge that formal submission allows lenders to access your credit records through authorized credit information bureaus (e.g., CIBIL, Experian, Equifax, CRIF High Mark) in accordance with the Credit Information Companies (Regulation) Act, 2005.
• Lawful End-Use: Loan facilities obtained must be utilized solely for approved, legal end-uses (e.g., housing, medical clinic equipment, education, debt consolidation) and never for speculative trading or prohibited transactions.

04. Information Security & Zero-Credential Policy

We maintain organizational and administrative safeguards to secure customer files in accordance with the Information Technology Act, 2000:

• Zero-Credential Mandate: Capital Solutions Private Limited, its directors, and field executives will never ask for sensitive transaction authentication credentials such as internet banking passwords, card PINs, UPI security PINs, or One-Time Passwords (OTPs).
• Customer Vigilance: Do not share, forward, or post confidential credentials over chat channels, messaging applications, or unsecured emails.
• Data Purpose Limitation: Information submitted is retained and processed exclusively for loan sourcing workflows, compliance verifications, and regulatory accounting obligations.

05. Fee Transparency & Commercial Engagements

• Lender Sourcing Remuneration: The Company may receive referral or channel partner remuneration directly from institutional lenders upon successful disbursement.
• Direct Consultation Charges (If Applicable): Any specialized financial documentation, legal scrutiny, or project report preparation fee charged by Capital Solutions Private Limited will be agreed upon explicitly in writing with an official tax invoice prior to service commencement.
• Statutory Fees: All loan-related processing fees, administrative charges, property valuation costs, encumbrance verification fees, and stamp duties are determined by the lender or state revenue authorities.

06. Disclaimers & Limitation of Liability

• “As Is” Informational Standard: Financial interest brackets, eligibility norms, and market benchmarks displayed on this website serve strictly as illustrative planning references. Real-time rates and parameters are determined exclusively by the lender at sanction.
• No Liability for Credit Refusal: Capital Solutions Private Limited accepts no liability for damages, business losses, or delays caused by a financial institution's decision to reject, downsize, or delay an application.
• External Gateway Links: The Company is not responsible for the privacy practices, digital availability, or operational policies of external government land registry or lender portal links.

07. Grievance Redressal Framework

Capital Solutions Private Limited upholds high standards of accountability and customer care:

• Company Contact: Grievance inquiries regarding our advisory conduct or documentation process may be submitted directly to our Corporate Grievance Officer in Thrissur.
• Institutional Redressal: In the event of a dispute directly concerning a lending institution's conduct, interest rates, or fair practices, borrowers maintain the statutory right to escalate matters to the lender's Principal Nodal Officer or the Reserve Bank - Integrated Ombudsman Scheme (RB-IOS).

08. Governing Law & Jurisdiction

• Substantive Law: These Terms shall be construed, enforced, and governed by the laws of India.
• Exclusive Courts: Any dispute, claim, or proceeding arising under these Terms shall be subject to the exclusive jurisdiction of the competent civil courts situated at Thrissur, Kerala, India.
• Amendments: The Company reserves the right to revise these Terms to maintain compliance with changing corporate policies or RBI directives. Continued use of the platform represents acceptance of the amended Terms.