Term & Conditions
Welcome to Ethics Sales (“Company”, “we”, “our”, or “us”). By accessing or using this website and any of our services, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please discontinue the use of our website and services.
1. Introduction
Ethics Sales is an independent loan assistance and financial consultancy platform that helps individuals and businesses explore loan products, financial solutions, and related services through our network of financial institutions, banks, NBFCs, and lending partners.
The information provided on this website is intended for general informational purposes only and should not be considered financial, legal, or tax advice.
2. Eligibility
To use our services, you must:
- Be at least 18 years of age.
- Be legally capable of entering into binding agreements under Indian law.
- Provide accurate and complete information during inquiries or applications.
- Use the website only for lawful purposes.
We reserve the right to refuse service if any information provided is found to be inaccurate, misleading, fraudulent, or incomplete.
3. Services Offered
Through our platform, users may inquire about various financial products including but not limited to:
- Personal Loans
- Home Loans
- Business Loans
- Loan Against Property
- Working Capital Solutions
- Balance Transfer Services
- Debt Consolidation Solutions
- Financial Consultation Services
- Savings and Wealth Planning Solutions
- Other financing products offered by our lending partners
Approval of any loan or financial product is solely at the discretion of the respective bank, NBFC, or lending institution.
4. No Guarantee of Approval
Submission of an inquiry, application, or request through our website does not guarantee:
- Loan approval
- Specific interest rates
- Loan amount eligibility
- Processing timelines
- Any financial benefit or savings estimate
All approvals are subject to lender-specific underwriting policies, documentation verification, credit assessment, eligibility criteria, and regulatory requirements.
5. Interest Rates and Financial Illustrations
Any interest rates, EMI calculations, savings estimates, repayment examples, or financial illustrations displayed on the website are indicative in nature and are provided solely for informational purposes.
Actual rates and terms may vary depending on:
- Credit score
- Income profile
- Employment status
- Business performance
- Loan amount
- Property valuation (where applicable)
- Lender policies
- Regulatory changes
Users are advised to review final sanction letters and lender documentation before making financial decisions.
6. User Responsibilities
By using our services, you agree that:
- All information submitted by you is true and accurate.
- You will provide genuine supporting documents when requested.
- You will not misuse the website or attempt unauthorized access.
- You will not engage in fraudulent, unlawful, or misleading activities.
Any violation may result in suspension or termination of access to our services.
7. Third-Party Lenders and Partners
Ethics Sales acts as a facilitator between customers and financial institutions.
We do not directly provide loans unless explicitly stated.
Financial products may be offered by:
- Scheduled Banks
- Non-Banking Financial Companies (NBFCs)
- Housing Finance Companies
- Registered Financial Institutions
- Other authorized lending partners
We are not responsible for decisions, actions, delays, fees, policies, or services provided by third-party lenders.
8. Documentation and Verification
Users may be required to submit documents including but not limited to:
- PAN Card
- Aadhaar Card
- Address Proof
- Income Proof
- Bank Statements
- Business Documents
- Property Documents
- Other documents requested by lenders
Submission of documents does not guarantee approval and may be subject to independent verification.
9. Communication Consent
By submitting your details on our website, you expressly authorize Ethics Sales and its authorized representatives to contact you through:
- Phone Calls
- SMS
- Notifications
- Other communication channels
for service updates, loan assistance, verification, promotional offers, and customer support purposes.
You may opt out of promotional communications at any time.
10. Intellectual Property
All content on this website including:
- Logos
- Graphics
- Text
- Designs
- Icons
- Layouts
- Software
- Branding Elements
are the property of Ethics Sales unless otherwise stated.
Unauthorized reproduction, modification, distribution, or commercial use is strictly prohibited.
11. Limitation of Liability
To the maximum extent permitted by law, Ethics Sales shall not be liable for:
- Loan rejection by lenders
- Financial losses
- Business losses
- Data transmission interruptions
- Website downtime
- Delayed processing
- Third-party service failures
- Errors in financial calculations
- Decisions made based on website content
Users acknowledge that all financial decisions are made at their own discretion and risk.
12. Website Availability
While we strive to maintain uninterrupted access, we do not guarantee that the website will always remain available, secure, error-free, or free from technical issues.
Maintenance, updates, or unforeseen circumstances may result in temporary interruptions.
13. Privacy and Data Protection
Your use of this website is also governed by our Privacy Policy.
Information collected may be used for:
- Processing inquiries
- Customer support
- Service improvements
- Regulatory compliance
- Communication purposes
- Partner coordination
We take reasonable measures to protect user information but cannot guarantee absolute security of internet transmissions.
14. Fraud Prevention
Any attempt to:
- Submit false information
- Use forged documents
- Misrepresent identity
- Conduct fraudulent transactions
- Interfere with website operations
may result in immediate termination of services and may be reported to appropriate authorities.
15. Indemnification
You agree to indemnify and hold harmless Ethics Sales, its directors, employees, agents, affiliates, and partners from any claims, damages, liabilities, costs, or expenses arising from:
- Violation of these Terms
- Misuse of services
- Submission of inaccurate information
- Breach of applicable laws
16. Regulatory Compliance
All services provided through this platform are subject to applicable Indian laws, regulations, RBI guidelines, and regulatory requirements as amended from time to time.
Nothing contained on this website shall be construed as an offer that violates applicable laws or regulations.
17. Modifications to Terms
We reserve the right to modify, update, or revise these Terms and Conditions at any time without prior notice.
Updated versions will be published on this page with the revised effective date.
Continued use of the website after updates constitutes acceptance of the revised Terms.
18. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of India.
Any disputes arising out of or relating to the use of this website shall be subject to the exclusive jurisdiction of the competent courts within India.
19. Contact Information
For any questions, concerns, or requests regarding these Terms and Conditions, users may contact us through the contact details provided on the Contact Us page of this website.