Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions (“Terms”) govern your access to and use of the website https://www.kalandricapital.net (the “Website”) and any products, services, facilities or information offered by Kalandri Capital Private Limited (“Kalandri”, the “Company”, “we”, “us” or “our”). By accessing or using the Website or availing our services, you agree to be bound by these Terms. If you do not agree, please do not use the Website or our services.

2. About Us

Kalandri is a Non-Banking Financial Company registered with the Reserve Bank of India, having its registered office at No. 1/1, 3rd Floor, Vinayaka Towers, 1st Cross, Gandhi Nagar, Bengaluru, Karnataka – 560009 (CIN: U65929KA2017PTC107822).

3. Eligibility

You must be at least 18 years of age and competent to contract under the Indian Contract Act, 1872 to use our services. By using the Website you represent that the information you provide is true, accurate, current and complete, and that you will keep it updated.

4. Use of the Website

You agree to use the Website only for lawful purposes. You shall not: (a) use the Website in any manner that could damage, disable, overburden or impair it; (b) attempt to gain unauthorised access to any part of the Website, servers or networks; (c) transmit any malicious code; or (d) use any automated means to access or collect data from the Website without our prior written consent.

5. Loan Products, Fees & Charges

All loan products, credit facilities, interest rates, processing fees, penal charges and other terms are offered strictly in accordance with the Company’s credit and risk policies, its Fair Practices Code, the sanction letter and the loan agreement executed with the borrower. The specific terms applicable to any facility (including the annualised rate of interest, fees, repayment schedule and charges) will be set out in the applicable sanction letter and loan agreement, which shall prevail. Information on the Website is indicative and does not constitute an offer or commitment to lend.

6. Know Your Customer (KYC)

Availing our services is subject to completion of KYC and other verification requirements prescribed under applicable law and RBI directions. We may decline or withdraw any service where such requirements are not met.

7. Intellectual Property

All content on the Website, including text, graphics, logos, icons, images and software, is the property of Kalandri or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, republish, distribute or exploit any content without our prior written permission.

8. Third-Party Links

The Website may contain links to third-party websites, including payment gateways and banking partners. Such links are provided for convenience only. We do not control and are not responsible for the content, policies or practices of any third-party website. Your use of such websites is governed by their respective terms.

9. Disclaimers

The Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. While we endeavour to keep information accurate and up to date, we do not warrant that the Website will be uninterrupted, error-free or free of harmful components.

10. Limitation of Liability

To the maximum extent permitted by law, Kalandri shall not be liable for any indirect, incidental, special or consequential loss or damage arising out of or in connection with your use of the Website or reliance on any information contained therein.

11. Indemnity

You agree to indemnify and hold harmless Kalandri, its directors, officers and employees from any claims, losses, liabilities and expenses arising out of your breach of these Terms or your violation of any law or the rights of a third party.

12. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Subject to any dispute-resolution provisions in the applicable loan agreement, the courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

13. Amendments

We may revise these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Your continued use of the Website after any change constitutes acceptance of the revised Terms.

14. Grievances

For any questions or complaints regarding these Terms or our services, please refer to our Fair Practices Code for the grievance-redressal mechanism, or contact us using the details below.