Terms & Conditions
Terms governing our loan consultancy services
Please read these terms carefully before submitting a loan enquiry or application through this website. By applying, you accept the terms below.
Summary in Tamil: நாங்கள் ஒரு வங்கி அல்ல — கடன் ஆலோசனை சேவை. கடன் அனுமதி, வட்டி விகிதம் மற்றும் விநியோகம் அனைத்தும் வங்கி / NBFC-ன் முடிவே. சரியான தகவல் மற்றும் ஆவணங்களை வழங்குவது வாடிக்கையாளரின் பொறுப்பு. கட்டணங்கள் முன்கூட்டியே தெரிவிக்கப்படும்.
1. Nature of Services
- Hope Corporate Services is a loan consultancy and facilitation service. We are not a bank, NBFC or lender, and we do not lend money, sanction loans or disburse funds ourselves.
- All loans are sanctioned, priced and disbursed solely by the partner bank, housing finance company or NBFC you finally choose. Final approval, interest rate, tenure and terms are at the sole discretion of that lender.
- Consultancy support covers profile assessment, lender shortlisting, document preparation, application filing, coordination and follow-up until sanction or disbursement.
2. Eligibility & Accurate Information
- Applicants must be at least 18 years of age and must submit true, complete and current information in every application, form or document shared with us.
- Submitting false, forged or misleading information — including inflated income proof, fake bank statements or tampered documents — will lead to immediate rejection of the file and termination of services without any refund.
- The applicant is solely responsible for the accuracy of CIBIL score details, income proof, employment or business records, property documents and identity proofs provided.
3. Consultancy Fees & Charges
- The initial consultation, eligibility check and EMI guidance are free of cost.
- Any service or processing fee payable to us will be clearly informed in advance, in writing or on call, before your file is logged with any lender. We do not collect any amount that is not disclosed beforehand.
- Bank/NBFC processing fees, valuation fees, legal fees, stamp duty and insurance charges are paid directly to the respective bank or authority and are governed by that lender's schedule of charges.
- Fees, once a file has been logged with a lender, are not refundable if the applicant withdraws the application voluntarily midway.
4. Documents & Verification
- The applicant must provide originals or clear copies of KYC (Aadhaar, PAN), income proof (salary slips / IT returns / GST returns), bank statements, property title documents and any other papers the lender demands.
- We only assist in compiling, checking and submitting documents; the verification, legal opinion and valuation are carried out by the lender or its empanelled agencies.
- Delay or failure to produce requested documents may lead to rejection or hold by the bank, for which Hope Corporate Services cannot be held responsible.
- Documents uploaded through this website are used only for the loan process and are shared strictly with the lender processing your file.
5. Loan Approval is Not Guaranteed
- We structure and present your profile to improve approval chances, but no consultancy can guarantee approval of any loan, a specific interest rate, or a specific sanction amount.
- Approval depends entirely on the lender's credit policy, your CIBIL score, income pattern, existing obligations, property valuation and legal clearance.
- If a lender rejects or holds your file, we will explain the reason, correct the profile issues where possible and re-apply with a suitable alternative lender at no extra consultancy cost, subject to fresh eligibility.
6. EMI, Repayment & Disbursement
- EMI amounts shown by our EMI calculator and eligibility checker are indicative only. The actual EMI is fixed by the lender based on the sanctioned rate, amount and tenure.
- The applicant agrees to repay the loan strictly as per the sanction letter and loan agreement executed with the lender. Failure to repay attracts penal interest, CIBIL damage and recovery action by the lender, for which we are not a party.
- Disbursement timelines, stage-wise releases (construction loans), cheque/collection modes and moratoriums are governed by the lender's policy and are not under our control.
- Prepayment and foreclosure rules, including any charges, are as per the loan agreement; floating-rate home loans for individuals generally carry no prepayment penalty as per RBI guidelines.
7. Communication & Consent
- By submitting an application or enquiry on this website, WhatsApp, phone or email, you consent to be contacted by our consultants on the mobile number and email ID you have provided, including via calls, SMS and WhatsApp messages regarding your enquiry.
- You also authorise us to share your profile with partner banks, NBFCs and their DSA channels for the purpose of obtaining loan offers for you.
- If you do not wish to receive further communication, inform us on WhatsApp or email and we will stop contacting you, except for updates on an active file.
8. Data Privacy & Document Safety
- Personal data and uploaded documents are collected only for loan processing and are stored securely. We never sell your data to third parties.
- Documents are shared only with the lender(s) processing your application, their valuers and legal panels, as required by the sanction process.
- You may request deletion of your data and documents after your file is closed by writing to us at the email address given on this website.
9. Limitation of Liability
- Hope Corporate Services acts only as a facilitator and consultant. We are not responsible for the lender's decision to reject, delay, reduce or recall a loan, or for any change in interest rates or charges announced by the lender or RBI.
- We are not liable for delays in disbursement caused by the lender, valuation agencies, legal teams, registrar offices or the applicant's own document delays.
- Interest rate, EMI and eligibility figures displayed on this website are indicative and subject to change without notice; they do not constitute an offer of credit.
10. Fair Use & Anti-Fraud
- This website and its tools (EMI calculator, eligibility checker, application form) must be used only for genuine personal or business loan enquiries.
- Automated scraping, spam submissions, impersonation of another person, and use of the platform to commit financial fraud are strictly prohibited and will be reported to the concerned bank and law-enforcement authorities.
- We reserve the right to refuse or discontinue services to any applicant whose conduct violates these terms.
11. Amendments & Governing Law
- These terms may be updated from time to time. The version published on this page on the date of your application applies to your enquiry.
- Continued use of our services after an update constitutes acceptance of the revised terms.
- These terms are governed by the laws of India, and any dispute is subject to the jurisdiction of the courts at Erode, Tamil Nadu.
Contact for Terms Questions
Questions about these terms? Call us at +91 99442 53453 or email hopeerode@gmail.com. Office: No. 02, Brough Road, Near Radha NEI Store, Upstairs Bharath Studio, Erode - 638001.
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