Terms of use

Accepting these terms

These Terms of Use govern your use of the Sunhil Capital Private Limited ("Sunhil Capital," "we," "us," "our") website and any enquiry, call or WhatsApp conversation you have with us about a loan or financial service. By using the website or submitting an enquiry, you agree to these terms. If you don't agree, please don't use the website or submit your details.

Who we are, and what we do

Sunhil Capital Private Limited is a Sunhil Group company. We help individuals, businesses, corporates and industries get loans and financial services from public sector banks, private sector banks and financial institutions. We handle the journey (enquiry, documentation, submission to banks, and staying with you through to disbursal) with minimal documentation.

Sunhil Capital is a loan facilitator. We are not a bank, a non-banking financial company (NBFC), or a lender. We do not sanction loans, decide interest rates, or guarantee approval. Those decisions rest solely with the lending bank or financial institution.

Registered office: Sunhil Group, B-8 & 9, 2nd Floor, Sector-1, Noida, Uttar Pradesh 201301.

Eligibility

To use our services, you should be at least 18 years old and legally able to enter into a loan or financial agreement in India. If you're applying on behalf of a business, you confirm that you're authorised to do so.

What our service includes

When you submit an enquiry, we will generally:

• Understand what loan or financial service you need.
• Tell you what documents are indicatively required (the bank makes the final call).
• Check and prepare your application file.
• Submit your file to one or more approved banks that may fit your need.
• Follow up with the bank on your behalf until there's a decision.
• Stay in touch with you until the funds, if approved, are disbursed.

What our service does not include

To be clear, and consistent with our Disclaimer:

• We do not guarantee that your loan will be approved.
• We do not set, promise or influence the interest rate, processing fee, tenure or any other term: these are entirely the lending bank's decision.
• We do not provide investment, tax or legal advice.
• Any EMI figure shown on our website (including from the EMI calculator) is an estimate only, not a quote.

Your responsibilities

When you use our services, you agree to:

• Give us accurate, complete and up-to-date information and documents.
• Tell us promptly if any detail you've shared changes.
• Use the website and our services only for genuine, lawful enquiries: not to test, scrape, disrupt or misuse the site.
• Keep any login or account details (if we introduce these in future) confidential.

Fees

We tell you clearly, in writing and before you proceed, whether any fee applies to your case. Any fees or charges from the lending bank are set out in its Key Fact Statement, which you receive before you sign.

Intellectual property

The Sunhil Capital name, logo, and the content, design and layout of this website belong to Sunhil Capital Private Limited or its licensors. You may view and use the website for your own personal or business enquiry, but you may not copy, reproduce, modify or redistribute our content, branding or logo without our written permission.

Links to bank and third-party sites

Our website may link to or reference the websites of banks and financial institutions. We don't control those sites and aren't responsible for their content, accuracy or policies. Any loan terms, rates or offers you see on a partner bank's own site are governed by that bank's own terms, not ours.

No guarantee, and limitation of liability

We make reasonable efforts to keep our website accurate and our service reliable, but:

• We don't guarantee that the website will always be available, error-free or uninterrupted.
• We're not liable for a bank's decision to decline, delay or alter the terms of your loan application.
• To the extent permitted by law, Sunhil Capital's liability for any claim relating to our services is limited to helping resolve the issue through our grievance process (§12): we're not liable for indirect or consequential losses.

Nothing in this section limits any right you have under Indian consumer protection or data protection law.

Suspending or ending access

We may suspend or stop providing services to you if we reasonably believe you've misused the website, provided false information, or broken these terms. You can stop using our services at any time by simply not continuing an enquiry, and you can withdraw your data-sharing consent as described in our Privacy Policy.

Grievance redressal

If you have a complaint about our service, please contact us first using the details below. In line with the RBI's Digital Lending Directions, we publish our Grievance Redressal Officer's contact details so you always know who to reach:

Grievance Redressal Officer: Email [email protected] or call 0120-4610860 and mention "Grievance". We acknowledge every complaint and keep you updated until it is resolved.

If you're not satisfied with our response, you may also approach the Reserve Bank of India's Sachet Portal or the relevant ombudsman, as applicable.

Governing law and jurisdiction

These terms are governed by the laws of India. Any dispute will be subject to the exclusive jurisdiction of the courts at Noida, Uttar Pradesh.

Changes to these terms

We may update these terms from time to time, for example as our services, regulations, or the law change. We'll update the "Last updated" date above when we do. Continuing to use the website after a change means you accept the updated terms.

Contact us

Sunhil Capital Private Limited Registered office: Sunhil Group, B-8 & 9, 2nd Floor, Sector-1, Noida, Uttar Pradesh 201301 Phone: 0120-4610860 · Email: [email protected]

Reminder, consistent with our Disclaimer and footer: Sunhil Capital Private Limited facilitates loans from banks and financial institutions. It is not a lender. Approval, interest rates and terms are at the sole discretion of the lending bank.