Terms of Use

1. About Uttarakhand Loans

Uttarakhand Loans is a loan advisory and aggregation service operated by Corpro Business Advisory LLP, Dehradun, Uttarakhand ("we", "us"). We act as a Direct Selling Agent (DSA) empanelled with banks and NBFCs, and do not lend directly. All loans are sanctioned and disbursed by the lending institution, at its sole discretion.

2. Nature of Services

• We provide free loan advisory services — we do not charge borrowers any fee
• We compare loan options from the banks and NBFCs we are empanelled with and recommend those suited to your profile; the list of lenders is available on request
• Loan approval, disbursement, and final terms are solely at the discretion of the lending institution
• Interest rates shown on this website are indicative only and subject to change without notice
• EMI calculations are for illustrative purposes — actual EMI may vary based on lender's policies

3. User Obligations

By using this website, you agree to:

• Provide accurate, complete, and truthful information when submitting any form or enquiry
• Not use this website for any unlawful purpose or in violation of these Terms
• Not attempt to gain unauthorised access to any part of this website or its systems
• Not reproduce, distribute, or commercially exploit any content from this website without permission

4. No Guarantee of Loan Approval

Using our services or submitting an enquiry does not guarantee loan approval. Loan eligibility and approval decisions are made entirely by the lending institution based on their internal credit assessment policies, CIBIL score, income verification, and other factors.

5. Disclaimer of Liability

To the maximum extent permitted by applicable law:

• This website and its contents are provided "as is" without warranties of any kind
• We are not liable for any direct, indirect, incidental, or consequential loss arising from use of this website
• We are not responsible for the content, policies, or practices of third-party websites linked from this site
• Interest rates, loan products, and scheme availability are subject to change by lenders at any time

6. Intellectual Property

All content on this website including text, graphics, logos, and design is the property of Corpro Business Advisory LLP and is protected under applicable Indian intellectual property laws. Unauthorised use is prohibited.

7. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Dispute Resolution & Governing Law

These Terms of Use are governed by and construed in accordance with the laws of India. Any dispute, difference, or claim arising out of or in connection with these Terms, the use of this website, or the services provided by Uttarakhand Loans shall be resolved through the following three-tier dispute resolution mechanism:

Tier 1 — Mediation

The parties shall first attempt to resolve any dispute in good faith through mediation under the Mediation Act, 2023. Either party may start mediation by written notice. The mediator shall be appointed by mutual consent of the parties or, failing agreement within 15 days, by a mediation service provider recognised under that Act. Mediation shall be held at Dehradun, Uttarakhand (or online) and should be completed within the period allowed by that Act.

Tier 2 — Arbitration

A dispute not settled through mediation shall be referred to a sole arbitrator under the Arbitration and Conciliation Act, 1996. The arbitrator shall be appointed by mutual consent of the parties or, failing agreement within 30 days of a request, in accordance with Section 11 of that Act. The seat and venue of arbitration shall be Dehradun, Uttarakhand, and the language English. The award shall be final and binding.

Tier 3 — Jurisdiction of Courts

Subject to the above, and without prejudice to either party's right to seek urgent interim relief, the courts at Dehradun, Uttarakhand, India shall have exclusive jurisdiction over matters not capable of arbitration.

Your statutory rights

Nothing in these Terms limits any right or remedy you have under the Consumer Protection Act, 2019, the Digital Personal Data Protection Act, 2023, or any grievance mechanism of the lender you borrow from.

9. Contact Us

For any questions about these Terms, please contact us at:

📧 uttarakhandloans@gmail.com

🌐 www.uttarakhandloans.com

📞 +91 94105 66060

📍 Dehradun, Uttarakhand, India