Effective Date: [01/10/2025]

Welcome to PNJ Finserv(“we,” “our,” “us”). By accessing or using our website and services, you (“you,” “your,” “user,” or “customer”) agree to comply with these Terms & Conditions. Please read them carefully before using our site or services.

1. Acceptance of Terms

By visiting our website or engaging our services (loans, insurance, real estate, or investments), you acknowledge that you have read, understood, and agreed to these Terms & Conditions. If you do not agree, please do not use our website or services.

2. Our Services

We provide financial services including:

• Loans (home loans, personal loans, business loans, etc.)

• Insurance (life, health, and general insurance products)

• Real Estate Advisory

• Investment Advisory & Mutual Funds

We act as facilitators, advisors, and intermediaries between you and financial institutions or partners. Availability of services is subject to eligibility, documentation, and approval by respective institutions.

3. Eligibility

You must be at least 18 years old to use our services. By submitting your details, you represent that all information provided is true, accurate, and complete.

4. User Responsibilities

• Provide accurate and complete information when applying for services.

• Maintain the confidentiality of login credentials or account information (if applicable).

• Use our services only for lawful purposes.

5. No Guarantee of Approval

Loan approvals, insurance issuance, or investment returns are subject to the respective institution’s policies and are not guaranteed by PNJ Finserv. We do not provide any assurance of approvals or financial returns.

6. Fees and Charges

Some services may involve fees, commissions, or charges as applicable. Any such charges will be disclosed before you engage the service.

7. Third-Party Links and Partners

Our website may contain links to third-party websites or financial institutions. We are not responsible for the content, privacy practices, or services of those third parties. Any dealings with third parties are solely between you and them.

8. Limitation of Liability

PNJ Finserv and its employees shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use or inability to use our services.

• Errors, delays, or failures in loan/insurance/investment approvals.

• Loss of data, income, or profits.

9. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of PNJ Group or its licensors and is protected by applicable copyright and trademark laws. You may not copy, distribute, or exploit our content without written permission.

10. Privacy Policy

Your use of our website and services is also governed by our Privacy Policy