Terms and Conditions

Last Updated: July 15, 2026

Welcome to Orient Finserv.

These Terms and Conditions govern your access to and use of the Orient Finserv website, platform, forms, communication channels, tools, and related services.

By accessing our website, submitting an enquiry, uploading documents, or using any of our services, you confirm that you have read, understood, and agreed to these Terms and Conditions.

If you do not agree with these terms, you must not use our website or services.

1. About Orient Finserv

Orient Finserv provides financial-service facilitation and assistance to individuals and businesses seeking loans or related financial products from banks, Non-Banking Financial Companies, financial institutions, or other authorised lending partners.

Unless expressly stated otherwise, Orient Finserv is not:

A bank
A Non-Banking Financial Company
A credit bureau
A government authority
An investment adviser
The lender providing the financial product

Orient Finserv does not independently sanction, approve, reject, or disburse loans. All lending decisions are made by the respective lender according to its internal policies and applicable laws.

2. Eligibility

You may use our services only if:

You are at least 18 years of age.
You are legally capable of entering into a binding agreement.
The information provided by you is accurate and complete.
You are using the services for a lawful purpose.
You are an authorised representative when applying on behalf of a business or another legal entity.

We may request additional information to confirm your identity, authority, or eligibility.

3. Scope of Services

Orient Finserv may assist users with:

Understanding available loan or financial-product options
Recording and structuring loan requirements
Collecting application information and documents
Sharing applications with suitable financial partners
Coordinating communication between users and lenders
Providing application-related updates
Assisting with documentation and processing

The availability of any service, lender, loan type, interest rate, or financial product may vary depending on the applicant’s profile, location, eligibility, lender policies, and market conditions.

4. No Guarantee of Approval

Submitting an enquiry or application through Orient Finserv does not guarantee:

Loan approval
Eligibility for a financial product
Approval of the requested loan amount
A specific interest rate
A particular repayment period
Disbursement within a fixed time
Waiver of fees or charges
Acceptance by any lender

The lender may approve, reject, delay, modify, or request additional information regarding an application at its sole discretion.

Orient Finserv is not responsible for any decision made by a lender.

5. User Information and Documents

You agree to provide true, complete, current, and accurate information.

Information and documents requested may include:

Name and contact details
Identity and address information
PAN, KYC, or business registration details
Employment or business information
Income and financial information
Bank statements
GST returns
Income-tax returns
Credit-related information
Property or collateral documents
Other documents required by a lender

You must not provide any document or information that is false, misleading, altered, expired, forged, stolen, or submitted without proper authority.

You must promptly inform Orient Finserv if any submitted information changes or becomes inaccurate.

6. Verification and Due Diligence

You authorise Orient Finserv and, where applicable, its lending or service partners to verify the information and documents submitted by you.

Verification may include contacting:

Employers
Banks or financial institutions
Business associates
Government databases
Document-verification providers
Credit-information companies
Other authorised sources

Any credit-bureau enquiry, KYC verification, bank-statement analysis, or similar check will be conducted only where permitted and after obtaining any consent required under applicable law.

The discovery of false or suspicious information may result in suspension or rejection of the application and may be reported to the appropriate institution or authority where legally required.

7. Consent to Share Information

By submitting an application or enquiry, you authorise Orient Finserv to share relevant information and documents with:

Banks
NBFCs
Financial institutions
Authorised lending partners
Verification providers
Technology and processing partners
Professional advisers
Regulatory or government authorities where legally required

Information will be shared only for purposes connected with evaluating, processing, servicing, or responding to your financial-service requirement, subject to our Privacy Policy and applicable law.

Submitting an application does not require any lender to accept or process it.

8. Communication Consent

By providing your mobile number, email address, or other contact information, you agree that Orient Finserv and its authorised representatives may contact you regarding:

Your enquiry or application
Document requirements
Application status
Suitable financial products
Service updates
Customer support
Fraud-prevention or security matters

Communication may take place through telephone calls, SMS, email, WhatsApp, or other permitted communication channels.

Marketing or promotional communication will be sent subject to applicable consent requirements and communication preferences.

You must not share OTPs, PINs, passwords, CVV numbers, internet-banking credentials, or other confidential authentication information with any person.

9. Loan Terms and Key Documents

The final loan amount, interest rate, Annual Percentage Rate, repayment schedule, processing fee, insurance charge, penalty, security requirement, foreclosure charge, and other conditions are determined by the respective lender.

Before accepting a loan, you should carefully review all documents provided by the lender, including:

Key Fact Statement
Sanction letter
Loan agreement
Repayment schedule
Fee and charge details
Privacy notices
Most Important Terms and Conditions
Security or guarantee documents

In case of any difference between information displayed by Orient Finserv and the lender’s official loan documents, the lender’s final written documents will apply.

10. Fees and Payments

Orient Finserv may charge a service or facilitation fee only where such a fee is clearly communicated and accepted by the user.

Lenders or third parties may separately charge:

Processing fees
Verification charges
Legal or valuation charges
Insurance premiums
Stamp duty
Government charges
Other charges disclosed in the applicable loan documents

Users must make payments only through officially authorised payment methods and must obtain a valid invoice or receipt.

A payment does not guarantee loan approval or disbursement.

Orient Finserv will not be responsible for money paid to unauthorised persons, personal accounts, fraudulent websites, fake representatives, or unofficial payment channels.

11. Third-Party Services

Our platform may provide access to information, offers, tools, links, or services operated by third parties.

Third parties may have their own:

Terms and conditions
Privacy policies
Eligibility requirements
Product conditions
Security practices
Fees and charges

Orient Finserv does not control third-party platforms and is not responsible for their availability, accuracy, conduct, products, services, or data-handling practices.

Users should independently review the terms of the relevant third party before entering into any transaction.

12. User Responsibilities

While using Orient Finserv, you agree that you will:

Provide accurate and lawful information.
Maintain the confidentiality of your account and contact details.
Review all loan documents before accepting a product.
Verify the identity of any representative contacting you.
Use only authorised payment channels.
Inform us of suspected fraud or unauthorised activity.
Comply with applicable laws and lender requirements.
Maintain copies of documents, receipts, and communications.

You are responsible for decisions made based on the products or information presented to you.

13. Prohibited Activities

You must not:

Submit false or fraudulent applications.
Upload forged or altered documents.
Impersonate another individual or business.
Use information belonging to another person without permission.
Attempt to gain unauthorised access to the website or its systems.
Introduce viruses, malware, or harmful code.
Scrape, copy, or extract platform data without permission.
Misuse the platform for money laundering or illegal activity.
Interfere with platform security or functionality.
Misrepresent your relationship with Orient Finserv.
Use our name, logo, or content without authorisation.

We may suspend or terminate access where prohibited activity is suspected.

14. Intellectual Property Rights

Unless otherwise stated, all website content, including text, graphics, branding, logos, layouts, designs, software, icons, and other materials, belongs to Orient Finserv or is used under appropriate permission.

You may access the content for personal and lawful use only.

You must not reproduce, modify, distribute, sell, publish, commercially exploit, or create derivative works from our content without prior written permission.

15. Privacy and Data Protection

The collection, use, storage, processing, and sharing of personal information are governed by our Privacy Policy.

By using our services, you acknowledge that you have read and understood the Privacy Policy.

Where consent is the basis for processing information, you may withdraw that consent subject to applicable law, contractual obligations, and any processing already lawfully completed.

Withdrawal of consent may affect our ability to continue providing certain services or processing an application.

16. Platform Availability

We make reasonable efforts to keep the website and services operational. However, we do not guarantee that the platform will always be:

Available without interruption
Free from errors
Free from viruses or harmful components
Compatible with every device or browser
Completely secure

Access may be restricted or suspended for maintenance, upgrades, security reasons, technical issues, legal compliance, or circumstances beyond our control.

17. Suspension and Termination

Orient Finserv may suspend, restrict, or terminate access to its services where:

These Terms and Conditions are violated.
False or fraudulent information is submitted.
Unlawful or suspicious activity is detected.
Continued access creates a security or legal risk.
A user misuses the platform or its representatives.
Suspension is required by a lender, regulator, or authority.

Termination will not affect obligations, liabilities, or rights that arose before termination.

18. Disclaimer of Warranties

Orient Finserv provides its website and facilitation services on an “as available” basis.

We do not warrant or represent that:

A loan will be approved.
A lender will offer the lowest rate.
Every financial product will be suitable for a user.
Information will always be complete or error-free.
Processing or disbursement will occur within a fixed period.
The platform will be continuously available.

Users should independently evaluate the suitability and affordability of any financial product before accepting it.

19. Limitation of Liability

To the maximum extent permitted by applicable law, Orient Finserv and its directors, employees, representatives, partners, and service providers will not be liable for any loss arising from:

Rejection, delay, or modification of an application
A lender’s decision or conduct
Changes in interest rates, fees, or loan terms
Reliance on incomplete or outdated information
Third-party products or platforms
Unauthorised payments or fraudulent communication
Incorrect information provided by a user
Temporary platform unavailability
Loss of business, revenue, profit, opportunity, or data

Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

20. Indemnity

You agree to indemnify and hold harmless Orient Finserv, its directors, employees, representatives, partners, and service providers from claims, losses, damages, penalties, costs, or expenses arising from:

Your violation of these Terms
False or misleading information submitted by you
Misuse of the platform
Violation of another person’s rights
Unlawful conduct
Documents submitted without proper authority

This clause applies only to the extent permitted under applicable law.

21. Complaints and Grievance Redressal

For complaints relating to Orient Finserv’s services, users may contact:

Email: info.orientfinserv@gmail.com
Phone:+91 7898961040
Registered Address: A-902, Ganesh Glory 11, Jagatpur, Off S.G. Highway, Ahmedabad, Gujarat – 382470
Working Hours: Monday – Saturday
9:30 AM – 6:30 PM (IST)
Sunday Closed

Complaints regarding a lender’s loan decision, repayment terms, account servicing, recovery practices, or other lender-controlled matters should also be raised directly with the relevant lender through its official grievance-redressal process.

22. Electronic Records

You agree that electronic applications, consent records, emails, SMS messages, WhatsApp communications, digital acknowledgements, and electronically signed documents may be used as records of your interactions with Orient Finserv, subject to applicable law.

You are responsible for ensuring that the mobile number and email address provided by you remain accessible and accurate.

23. Changes to These Terms

Orient Finserv may update these Terms and Conditions to reflect changes in:

Services
Business practices
Technology
Lender arrangements
Security requirements
Applicable laws or regulations

Updated terms will become effective when published on the website unless a different effective date is specified.

Continued use of the services after an update constitutes acceptance of the revised terms.

24. Severability

If any provision of these Terms is held to be invalid, unlawful, or unenforceable, the remaining provisions will continue to remain valid and enforceable.

25. Waiver

Failure by Orient Finserv to enforce any provision of these Terms will not constitute a waiver of that provision or any other right.

26. Governing Law and Jurisdiction

These Terms and Conditions will be governed by the laws of India.

Any dispute arising from these Terms or the use of Orient Finserv’s services will be subject to the jurisdiction of the competent courts located in [City, State], unless applicable law requires otherwise.

27. Contact Information

For questions regarding these Terms and Conditions, contact:

Orient Finserv