Terms & Conditions

01 Acceptance of Terms

By accessing or using the New Era Finserv website, you agree to comply with these Terms & Conditions, our Privacy Policy, Disclaimer and other applicable policies or notices published on the website.

If you do not agree with any part of these terms, you should not use the website or submit an enquiry through it.

02 About New Era Finserv

New Era Finserv provides information and assistance relating to financial products and facilitates customer enquiries regarding available financial solutions.

Depending on the product and circumstances, the website may provide information relating to loans, credit cards and other financial products offered by applicable financial institutions.

03 Use of the Website

You agree to use this website only for lawful purposes and in accordance with these Terms & Conditions.

You must not use the website in any way that could damage, disable, overburden or impair the website or interfere with another person's use of it.

04 Financial Product Information

Information about loans, credit cards, interest rates, fees, charges, eligibility, repayment terms and other financial products is provided for general information and enquiry purposes.

Product terms and availability may change. You should verify the current terms with the relevant lender, financial institution or card issuer before proceeding.

05 No Guarantee of Approval

Submission of an enquiry or application through this website does not guarantee approval of a loan, credit card or any other financial product.

Final decisions regarding approval, sanctioned amount, interest rate, fees, tenure, credit limit, security, documentation and disbursement are made by the applicable financial institution according to its own policies and assessment.

06 Eligibility

Eligibility information displayed on the website is general in nature and may not apply to every applicant.

Eligibility can depend on factors including income, age, employment or business profile, credit history, existing financial obligations, property or asset details, documentation and lender-specific criteria.

07 Loan Enquiries

When you submit a loan or financial-product enquiry, you agree to provide information that is accurate, complete and reasonably up to date.

Providing false, misleading or incomplete information may affect the handling or assessment of your enquiry.

08 User Responsibilities

You are responsible for:

• Providing accurate information when submitting forms.
• Reviewing financial product terms before accepting an offer.
• Keeping your contact information accurate where required.
• Protecting confidential information relating to your financial accounts and authentication details.
• Using the website only for legitimate and lawful purposes.

09 Communication and Contact

By submitting an enquiry, you may be contacted regarding your stated financial requirement, subject to applicable consent and communication preferences.

Communications may relate to your enquiry, documentation, product information, application status or relevant next steps.

10 Third-Party Financial Institutions

New Era Finserv may provide information about or facilitate enquiries relating to banks, NBFCs, housing finance companies, credit card issuers and other financial institutions.

Each institution operates independently and may have its own eligibility criteria, terms, policies, documentation requirements and assessment procedures.

11 Third-Party Links

The website may contain links to third-party websites, services or resources for informational or convenience purposes.

New Era Finserv does not control third-party websites and is not responsible for their content, availability, security, privacy practices or terms.

Your use of third-party websites is subject to their respective terms and policies.

12 EMI Calculator and Tools

Any calculator, estimator or financial tool available on the website is intended to provide indicative information for planning purposes.

Calculator results should not be treated as a final quotation, sanction, approval or binding financial offer.

13 Credit Information

References to credit scores, credit reports, CIBIL or other credit information are provided for general informational purposes unless specifically stated otherwise.

A credit score or credit report does not by itself guarantee approval or rejection of a financial product. Lenders may consider multiple factors during their assessment.

14 Prohibited Activities

You must not use this website to:

• Submit fraudulent, misleading or false information.
• Attempt to gain unauthorised access to the website or its systems.
• Introduce malicious code, viruses or harmful material.
• Scrape, copy or reproduce website content for unauthorised commercial purposes.
• Interfere with the normal operation or security of the website.
• Use another person's information without appropriate authority or consent.

15 Intellectual Property

Unless otherwise stated, the content of this website, including text, graphics, logos, branding, design, layouts, images, icons and other materials, is owned by or used by New Era Finserv with appropriate rights.

You may not reproduce, distribute, modify, publish, transmit or commercially exploit website content without prior written permission, except where permitted by applicable law.

16 Website Availability

New Era Finserv may modify, suspend, restrict or discontinue any part of the website or its features at any time.

We do not guarantee that the website will always be available, uninterrupted, error-free or free from technical issues.

17 Accuracy and Changes to Information

Reasonable efforts may be made to provide useful and accurate information. However, financial products, lender policies, eligibility criteria, rates, fees and other information may change over time.

New Era Finserv reserves the right to update, correct, modify or remove website content without prior notice.

18 Privacy

Information submitted through the website may be handled in accordance with the New Era Finserv Privacy Policy and applicable law.

Please review the Privacy Policy before submitting personal or financial information through the website.

19 Disclaimer of Warranties

To the extent permitted by applicable law, the website and its content are provided on an "as available" and informational basis.

New Era Finserv does not warrant that every piece of information will always be complete, current, accurate, uninterrupted or suitable for every user's particular circumstances.

20 Limitation of Liability

To the extent permitted by applicable law, New Era Finserv shall not be liable for losses or damages resulting solely from reliance on general information provided through the website, third-party information, lender decisions, changes in financial product terms, website interruptions or events beyond reasonable control.

21 Indemnification

To the extent permitted by applicable law, you agree to be responsible for claims, losses or liabilities arising from your unlawful use of the website, violation of these Terms & Conditions or submission of fraudulent or misleading information.

22 Suspension or Termination

New Era Finserv may restrict or suspend access to the website where reasonably necessary, including in cases involving misuse, security concerns, unlawful activity or violation of these terms.

23 Changes to These Terms

These Terms & Conditions may be updated from time to time to reflect changes in the website, services, business practices or applicable legal requirements.

The updated version will be published on this page. Continued use of the website after changes are published may constitute acceptance of the updated terms, subject to applicable law.

24 Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws applicable in India, subject to applicable statutory provisions.

Any dispute arising in connection with the website or these terms shall be subject to the jurisdiction of the courts having appropriate jurisdiction over the matter and the relevant New Era Finserv entity, subject to applicable law.

25 Severability

If any provision of these Terms & Conditions is determined to be invalid, unlawful or unenforceable, the remaining provisions will continue to the extent permitted by applicable law.

26 Entire Agreement

These Terms & Conditions, together with the Privacy Policy, Disclaimer and other applicable website policies, constitute the terms governing your use of the website, except where additional terms specifically apply to a particular product or service.

27 Contact Us

If you have questions about these Terms & Conditions or the use of the website, please contact New Era Finserv through the contact details provided on the Contact Us page.

For product-specific questions, you may also submit a financial product or loan enquiry through our website.