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1. Introduction
Jay Shree Mahakal Finance Services ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
2. Information We Collect
2.1 Personal Information
We may collect the following personal information:
- Name, age, and contact details
- Address and employment information
- Financial information including income and assets
- Identity documents (PAN, Aadhaar, etc.)
- Bank account and credit history
- Biometric information (where required)
3. Fee Structure
3.1 Loan File Login Fee
Jay Shree Mahakal Finance Services charges a loan file login fee of ₹6,860 (Indian Rupees Six Thousand Eight Hundred Sixty only) which is Six Thousand Eight Hundred Sixty Rupees for processing all loan applications. This fee is:
- Non-refundable under any circumstances
- Payable at the time of application submission
- Required before processing begins
3.2 Our Commission on Loan Amount
Jay Shree Mahakal Finance Services charges our commission ranging from 2% to 10% of the sanctioned loan amount.
3.3 Additional Bank Charges
Customers are responsible for paying all bank charges separately, including:
- Bank processing fees
- Legal and valuation fees
- Stamp duty and registration charges
- Any other statutory fees
4. Additional Terms
4.1 Credit Assessment
We use advanced credit evaluation methods including:
- Credit scoring and risk assessment
- Document verification and background checks
- Bank statement analysis and income verification
- CIBIL and other credit bureau reports
4.2 Technical Processing
Our technical infrastructure includes:
- Secure online application processing
- Digital document verification systems
- Real-time credit decision algorithms
- Encrypted data storage and transmission
4.3 Fee Refund Policy
Important: The loan file login fee of ₹6,860 is non-refundable under all circumstances, including:
- Loan application rejection
- Application withdrawal by customer
- Incomplete documentation
- Technical issues or processing delays
4.4 Bank Charges Policy
Bank charges are completely separate from our fees and must be paid directly by the customer to the respective bank. These charges vary depending on:
- Type of loan and amount
- Bank's processing requirements
- Legal and documentation needs
- Government taxes and duties