Terms of Service

1. Acceptance and eligibility

You must be at least 18 years old, legally competent to contract and authorised to provide all information submitted. If you act for an organisation, you confirm authority to bind it. If you do not accept these Terms, do not use the service. Certain products have additional issuer terms that prevail for that product.

2. What we provide

We may provide product information, enquiry routing, application assistance, status tracking, customer support and authorised internal CRM services. Information is general and not financial, legal, tax or investment advice. Product information may change without notice; the relevant institution’s current official documents control.

We may change, suspend or discontinue features for maintenance, security, law, provider availability or business reasons. We aim for reliable access but do not promise uninterrupted or error-free operation.

3. Applications and third-party institutions

• You must review issuer eligibility, key facts, fees, charges, interest, repayment terms and privacy notice before proceeding.
• You authorise transmission of required information only to the institution or service you select.
• An application/reference number may be treated internally as an approved-in-principle stage, but does not override the issuer’s final decision or conditions.
• Duplicate checks may block the same customer and bank combination. Continuing to the bank link does not create another CRM entry.
• Verification, VKYC/BKYC, underwriting, credit checks, approval, rejection and issuance are controlled by the institution.

Never pay an individual or share OTP, PIN, CVV, password or full card credentials. Report suspicious requests through the official website contact channel.

4. Your information and consent

You promise that submitted information is accurate, current and not misleading. You will promptly correct errors. Our Privacy Policy explains processing. Where a credit report, identity check, recording, marketing message or third-party submission requires consent, the relevant consent must be separately and validly obtained. You may not submit another person’s data without authority.

5. Acceptable use

You must not misuse the service, impersonate anyone, submit fraudulent applications, scrape or resell data, bypass access controls, introduce malware, interfere with availability, reverse engineer protected components, test vulnerabilities without written permission, infringe rights, or use automated tools that overload systems. We may investigate, preserve evidence, restrict access and report suspected unlawful activity.

6. Portal accounts and organisational controls

CRM access is limited to authorised personnel and the permissions assigned to their role. Credentials are personal and must not be shared. Users must log out on shared devices and immediately report suspected compromise. Administrators are responsible for correct agent activation, roles and lawful data access. Audit logs, attendance records, performance records and work assignments may be retained for security and business accountability.

7. Charges, taxes and promotions

Unless clearly disclosed by us before a transaction, we do not charge a consumer merely to submit an enquiry. Banks or providers may impose their own fees, taxes, interest and penalties under their official terms. Promotional statements are subject to eligibility, availability and provider conditions. No oral statement changes written issuer terms.

8. Intellectual property

The website, portal, branding, text, layout, software and original materials are owned by or licensed to LSG and protected by applicable law. We grant a limited, revocable, non-transferable right to use them for their intended lawful purpose. Bank names, logos and third-party marks belong to their respective owners; reference does not imply ownership or guaranteed endorsement.

9. Third-party links and communications

Bank application links and external services are operated independently. We do not control their uptime, security, content or decisions. Confirm the domain before entering data. Electronic communications may experience delay, filtering or interception; retain important confirmations and use official channels for sensitive matters.

10. Disclaimers and limitation of liability

To the maximum extent permitted by law, services are provided on an “as available” basis without implied warranties of uninterrupted availability, approval, suitability or accuracy of third-party information. Nothing excludes liability that cannot lawfully be excluded, including liability for fraud or wilful misconduct.

Subject to the preceding sentence, LSG is not liable for an issuer’s decision, credit-score effect authorised by you, third-party outage, indirect or consequential loss, loss caused by inaccurate information you supplied, or unauthorised use resulting from your credential failure. Any aggregate liability will be limited to direct, proven loss reasonably attributable to our breach and subject to applicable consumer law.

11. Indemnity

To the extent permitted by law, you will compensate LSG for third-party claims and reasonable costs caused by your fraud, unlawful use, infringement, unauthorised submission of another person’s data or material breach of these Terms. This does not apply to loss caused by our own unlawful conduct.

12. Suspension and termination

We may restrict or terminate access for security risk, unlawful conduct, repeated misuse, inactive employment/engagement, breach of policy or legal requirement. Provisions concerning privacy, ownership, liability, records and disputes survive where their nature requires. You may stop using public services at any time, but existing applications remain subject to issuer processes.

13. Complaints, governing law and jurisdiction

Please first submit a written complaint through our official website contact channel with sufficient detail for investigation. These Terms are governed by Indian law. Subject to mandatory consumer rights and any statutory forum, courts with jurisdiction in Gurugram, Haryana will have jurisdiction. The parties should first attempt good-faith resolution for 30 days before litigation where practical.

14. General provisions

If a provision is invalid, the remainder continues. Delay in enforcement is not waiver. You may not transfer these Terms without consent; we may transfer them as part of a lawful business reorganisation with appropriate notice. These Terms, the Privacy Policy and any service-specific written terms form the entire agreement for the relevant service. Headings aid reading only.

15. Changes

We may revise these Terms for service, security, legal or regulatory changes. The effective date will be updated. Material changes will be communicated appropriately. Continued use after effectiveness indicates acceptance where lawful; if you disagree, stop using the affected service.

16. Contact

Use the official contact form at lakshyasidhigroup.com, or write to Lakshya & Sidhi Group, Gate no 01, Basement, Harton Complex, Plot no 53, Electronic City, Phase IV, Udyog Vihar, Sector 18, Gurugram, Haryana 122016 , India. Do not include passwords, OTPs, PINs or CVV in a complaint.