Terms & Conditions

Welcome to the website of Grameen Lakshmi Finance Private Limited. These Terms and Conditions govern your access to and use of our website [https://grameenlakshmifinance.com/] and any digital loan applications or services provided through it.

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use this Site or apply for our services.
1. Eligibility to Use the SiteYou must be at least 18 years of age and a resident of India to use this website or apply for any financial products listed.
By using this Site, you warrant that all information you provide is true, accurate, current, and complete.
2. Loan Products and Financial ServicesInformation Accuracy: The descriptions of loan products (Business Loan, Micro Pocket Loan, Agriculture Loan, SHG Loan, JLG Loan, Gold Loan, and Water & Sanitation Loan) on this Site are for informational purposes only. They do not constitute a binding legal offer or a guarantee of loan approval.
Sole Discretion: The sanctioning, disbursement, interest rates, and processing fees of any loan are subject to internal credit evaluations, KYC verification, and the sole discretion of Grameen Lakshmi Finance Pvt. Ltd.
Final Agreement: In the event of a loan sanction, the relationship between the borrower and the Company will be governed by a separate, formal Loan Agreement and specific Sanction Letters. Those formal documents will override any text present on this website.
3. User Conduct and RestrictionsWhen using our Site, you agree not to:
Provide false, fraudulent, or misleading information or impersonate any person or entity.
Use the Site for any unlawful, illegal, or unauthorized financial transactions.
Attempt to interfere with, damage, or disrupt the website's security, hosting servers, network infrastructure, or source code.
Use automated bots, scrapers, or data mining tools to extract content from this Site without our prior written consent.
4. Intellectual Property RightsAll content, graphics, logos, brand names, text, button icons, images, and software code on this Site are the exclusive intellectual property of Grameen Lakshmi Finance Private Limited and are protected by Indian copyright, trademark, and intellectual property laws.
You may not copy, reproduce, distribute, modify, republish, or create derivative works from any part of this website without our explicit written permission.
5. Third-Party LinksOur Site may contain links to third-party websites or services (such as cloud hosting, payment gateways, or regulatory portals) that are not owned or controlled by us. We are not responsible for the privacy policies, content, or practices of any third-party websites. You access them entirely at your own risk.
6. Limitation of LiabilityWhile we strive to ensure that all information on this website is correct and up to date, the Site is provided on an "as is" and "as available" basis without any warranties of any kind.
Grameen Lakshmi Finance Pvt. Ltd., its directors, employees, or partners shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this Site, including system downtime, data loss, or virus transmissions.
7. Modification of TermsWe reserve the right to amend, update, or replace these Terms and Conditions at any time without prior notice. Any modifications will become effective immediately upon being posted on this webpage. Your continued use of the website following any changes signifies your acceptance of the updated Terms.
8. IndemnificationYou agree to defend, indemnify, and hold harmless Grameen Lakshmi Finance Pvt. Ltd., its directors, officers, and employees from and against any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising from your misuse of this website or your violation of these Terms.
9. Governing Law and JurisdictionThese Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any legal disputes or claims arising out of or relating to the use of this website or these Terms shall be subject to the exclusive jurisdiction of the competent courts in the state where the Company's registered office is situated.