Terms & Conditions

Effective Date: 22 / 08 / 2025

Welcome to Idealise Finance & Investment Pvt. Ltd. (“we,” “our,” “us”). By accessing or using our website and services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By using our website or applying for any of our financial services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. If you do not agree, please do not use our services.

2. Eligibility

• You must be at least 18 years of age to apply for any loan or financial service.

• You must provide accurate, complete, and truthful information during the loan application process.

• Approval of any loan or service is subject to verification and internal eligibility checks.

3. Services Provided

We provide a variety of financial services including but not limited to:

• Personal Loans

• Home Loans

• Car Loans

• Business Loans

• Loan Against Property

• Gold Loans

• Other financial products such as savings accounts, demat accounts, mutual funds, insurance, and fixed deposits.

All services are subject to the company’s internal policies, eligibility criteria, and applicable laws.

4. Loan Approval & Disbursement

• Loan approval is not guaranteed and is subject to credit checks, verification, and company discretion.

• Interest rates, repayment terms, and processing fees vary based on loan type and applicant profile.

• Disbursement timelines depend on successful verification and document submission.

5. User Responsibilities

As a user, you agree to:

• Provide true, accurate, and complete information.

• Use our services only for lawful purposes.

• Not misuse the website or attempt unauthorized access to our systems.

• Repay loans and dues on time as per the agreed terms.

6. Intellectual Property Rights

All content on our website including text, graphics, logos, and images are the intellectual property of Idealise Finance & Investment Pvt. Ltd. Unauthorized use, copying, or reproduction is strictly prohibited.

7. Limitation of Liability

We strive to provide accurate and reliable services. However, we are not responsible for:

• Any financial loss due to user-provided inaccurate information.

• Delays in processing caused by third-party service providers or technical issues.

• Unauthorized access to user accounts due to user negligence.

8. Third-Party Links

Our website may contain links to third-party websites for convenience. We are not responsible for the content, accuracy, or practices of those websites.

9. Privacy Policy

Your use of our services is also governed by our [Privacy Policy], which explains how we collect, use, and safeguard your personal information.

10. Changes to Terms & Conditions

We reserve the right to update, modify, or change these Terms & Conditions at any time. Updates will be posted on this page with the revised “Effective Date.” Continued use of our services after changes implies your acceptance.

11. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of India. Any disputes will be subject to the jurisdiction of Prayagraj, Uttar Pradesh courts.

12. Contact Us

If you have any questions about these Terms & Conditions, you may contact us:

📞 Call Us: +91 6386505345 / 05324052266
📧 Email: support@idealisefinance.com
🏢 Address: F-5, 4th Floor, Vinayak Central Plaza (Near Big Bazar), Civil Lines, Prayagraj – 211001