These Terms of Service ("Terms") establish the rights and obligations between you ("User") and Kapilesh Stock Holding Pvt Ltd ("Company", "LoanZenith", "we", "our", or "us") in connection with the use of the LoanZenith mobile application and related lending services. By downloading, registering, or using our services, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree, please discontinue use of the app immediately.
To apply for or use any loan service through LoanZenith, you must:
The Company reserves the right to reject or suspend access to services if eligibility requirements are not satisfied.
LoanZenith is a digital platform that enables individuals to apply for personal loans. Applications submitted are subject to review, assessment of repayment ability, and compliance with applicable regulations. Approval is not automatic and is determined solely at the Company's discretion.
Once your loan request is approved, the Company will notify you of the loan amount, repayment schedule, annual percentage rate (APR), and all applicable charges. Disbursal is made directly to your designated bank account. Certain charges such as processing fees, applicable taxes, or other deductions may apply as specified in your loan agreement.
Interest rates are communicated in the loan offer and calculated based on the outstanding principal and tenure. The maximum APR shall remain within limits permitted under Indian law.
Late payment fees, penalties, or recovery costs may be imposed in accordance with the loan agreement.
Users must repay loans using the payment methods available on the LoanZenith app. Timely repayment is your responsibility. Missed or delayed payments may affect your credit rating and can result in additional liabilities, including legal action.
You agree to:
Your personal and financial information will be collected, processed, and stored for purposes including loan evaluation, verification, compliance, fraud prevention, and customer support. Data may be shared with credit bureaus, regulators, or trusted third-party service providers strictly in line with applicable privacy laws. For more details, please review our Privacy Policy.
The Company reserves the right to suspend or permanently terminate your access to LoanZenith if you violate these Terms, provide false information, or fail to meet repayment obligations. We may also suspend services for operational or regulatory reasons.
Except where required by law, LoanZenith shall not be liable for indirect, incidental, or consequential damages resulting from your use of the app. Our liability, if any, shall not exceed the outstanding loan principal and interest explicitly agreed upon in your loan contract.
These Terms are governed by the laws of India. Any disputes shall first be addressed through direct communication with our support team. If unresolved, disputes may be referred to arbitration or courts in the jurisdiction of the Company's registered office.
We may revise these Terms periodically to reflect operational, regulatory, or legal requirements. Any updates will be communicated through app notifications or other appropriate means. Continued use of the app after such updates signifies acceptance of the revised Terms.
For questions, concerns, or complaints about these Terms or our services, please reach out to us at:
Registered Office: 23, Brabourne Road 6Th Floor Kolkata West Bengal 700001
Email: support@kapilesh.com
Phone: 8942863738