Terms & Conditions

Please read these Terms & Conditions carefully. By accessing or using the website jbfc.co.in or engaging JB Financial Consultants (JBFC) for any services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website or services.

1. Definitions

In these Terms & Conditions, the following terms shall have the meanings assigned to them:

  • “JBFC” / “We” / “Us” / “Our” refers to JB Financial Consultants, a proprietorship firm registered in Thane, Maharashtra, India, operating the website jbfc.co.in.
  • “Client” / “You” / “User” refers to any individual, proprietor, partnership, LLP, private limited company, or any other entity that accesses our website or engages JBFC for advisory services.
  • “Services” refers to JBFC’s loan advisory, loan facilitation, financial consultation, documentation support, lender matching, and related services.
  • “Lender” refers to any bank, Non-Banking Financial Company (NBFC), financial institution, or government scheme through which JBFC facilitates loan access.
  • “Engagement” refers to the formal commencement of JBFC’s advisory services for a specific client upon mutual agreement.

2. Nature of Services

JBFC is a loan advisory and facilitation firm. It is important to understand the following:

  • JBFC is not a bank, not an NBFC, and does not directly lend money to any client or entity.
  • JBFC acts as an intermediary — assessing your financial profile and facilitating access to appropriate lenders.
  • Loan approval, disbursement amount, interest rate, tenure, and other loan terms are decided entirely by the lending institution — not by JBFC.
  • JBFC does not guarantee loan approval, specific loan amounts, or particular interest rates for any client.
  • JBFC provides advisory services to improve eligibility and maximise the probability of loan approval — results may vary based on individual financial profiles and lender policies.

No Guaranteed Approval: JBFC explicitly does not and cannot guarantee loan sanction, approval, or disbursement. Any representation by any person claiming to guarantee a loan in exchange for fees on behalf of JBFC should be reported to us immediately.

3. Client Obligations

By engaging JBFC’s services, you agree to the following obligations:

  • Accuracy of Information: You confirm that all information, documents, and financial data provided to JBFC are accurate, complete, and genuine. Submitting false, misleading, or forged documents is a criminal offence under Indian law.
  • Timely Cooperation: You agree to provide required documents, respond to queries, and cooperate with JBFC and the lending institution in a timely manner.
  • No Parallel Approaches: Unless agreed otherwise, during an active engagement, you agree to inform JBFC if you are simultaneously pursuing the same loan through another channel, to avoid duplicate credit bureau enquiries.
  • Confidentiality: You agree to maintain confidentiality of any proprietary processes, lender strategies, or advisory methodologies shared by JBFC during the engagement.
  • Legal Compliance: You confirm that the loan being sought is for legitimate, lawful business purposes and complies with applicable Indian laws and regulations.

4. Fee Structure and Payment Terms

  • Transparency: JBFC’s fee structure will be communicated clearly and in writing before any engagement commences.
  • Success-Based Model: JBFC generally operates on a success-based consulting fee model — a fee is charged only upon loan disbursement, unless specifically agreed otherwise in writing.
  • No Upfront Processing Fees: JBFC does not charge upfront processing fees for standard loan advisory services. Any specific charges (e.g., for credit report procurement or legal verification) will be pre-communicated.
  • Third-Party Fees: Lender processing fees, GST, government charges, stamp duties, and legal fees are separate from JBFC’s advisory fee and are payable directly to the respective institutions.
  • GST: All applicable Goods and Services Tax (GST) on JBFC’s fees will be charged as per prevailing government rates.
  • Non-Refundable: Once a loan application has been submitted to a lender on your behalf, advisory fees agreed for that engagement are non-refundable, regardless of the final loan decision by the lender.

Beware of Fraud: JBFC will never ask for cash payments without a proper receipt. All payments should be made via bank transfer (NEFT/IMPS/UPI) to JBFC’s official registered bank account. Always ask for a written receipt and engagement letter.

5. Limitation of Liability

To the fullest extent permitted by applicable law:

  • JBFC shall not be liable for any loan rejection, reduced sanction, delayed disbursement, or adverse terms imposed by any lending institution.
  • JBFC’s liability in any dispute shall not exceed the total advisory fees actually paid by the client to JBFC for the specific engagement in question.
  • JBFC shall not be liable for any indirect, consequential, incidental, or special damages including loss of business opportunity, loss of profit, or loss of goodwill arising from the use of our services.
  • JBFC shall not be responsible for any delay or failure in service delivery caused by factors outside our reasonable control, including lender-side delays, system outages, regulatory changes, or force majeure events.
  • JBFC is not responsible for any credit bureau impact resulting from loan application enquiries that the client authorised.

6. Intellectual Property

All content on jbfc.co.in — including text, graphics, logos, images, process documents, blog articles, and website design — is the intellectual property of JB Financial Consultants and is protected under Indian copyright law. You may not reproduce, distribute, republish, or commercially exploit any content from this website without prior written permission from JBFC.

7. Website Use and Acceptable Conduct

You agree not to use jbfc.co.in for any of the following:

  • Submitting false, fraudulent, or misleading information through any form or channel
  • Impersonating any person, business, or entity
  • Attempting to gain unauthorised access to our systems, database, or private information
  • Transmitting malware, viruses, or any other harmful code
  • Using our website for any purpose that violates applicable Indian law or regulation
  • Scraping, harvesting, or systematically collecting data from our website without permission

8. Confidentiality

Both JBFC and the client agree to maintain strict confidentiality regarding all non-public information exchanged during an engagement. JBFC will not disclose client financial information to any party other than the lenders approached on the client’s behalf, without explicit written consent. This obligation of confidentiality survives the termination of the engagement for a period of 3 years.

9. Termination of Engagement

  • By Client: You may terminate the engagement at any time by providing written notice to JBFC. Fees for work already completed or applications already submitted are non-refundable.
  • By JBFC: JBFC reserves the right to terminate the engagement if: (a) the client provides false or fraudulent information; (b) the client engages in conduct that violates applicable laws; (c) the client’s loan requirement is deemed unfeasible after assessment; or (d) there is a fundamental breakdown of communication or trust.
  • Effect of Termination: Upon termination, JBFC will return original documents provided by the client within 7 working days. Copies may be retained as required by law.

10. Disclaimer of Warranties

The website jbfc.co.in and all information provided therein are offered on an “as is” and “as available” basis. JBFC makes no warranties — express or implied — regarding the accuracy, completeness, reliability, or suitability of any information on the website. Interest rates, loan amounts, eligibility criteria, and lender policies mentioned on the website are indicative and subject to change at the discretion of the respective lenders.

11. Indemnification

You agree to indemnify, defend, and hold harmless JBFC, its proprietor, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising out of: (a) your breach of these Terms; (b) your provision of false or inaccurate information; (c) your violation of any applicable law; or (d) any third-party claims arising from your use of our services.

12. Dispute Resolution

  • Informal Resolution: In the event of any dispute, both parties agree to first attempt to resolve the matter amicably through direct communication within 30 days.
  • Arbitration: If the dispute cannot be resolved informally, it shall be referred to a sole arbitrator appointed mutually by both parties, under the Arbitration and Conciliation Act 1996.
  • Jurisdiction: All legal proceedings, whether arbitration or otherwise, shall be subject to the exclusive jurisdiction of the courts in Thane, Maharashtra, India.

13. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of India, including but not limited to the Indian Contract Act 1872, the Information Technology Act 2000, the Consumer Protection Act 2019, and the Digital Personal Data Protection Act 2023.

14. Amendments

JBFC reserves the right to modify these Terms & Conditions at any time. Changes will be published on this page with an updated “Last Updated” date. Continued use of our website or services following any changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

15. Contact Us

For any questions, concerns, or grievances related to these Terms & Conditions, please contact us:

JB Financial Consultants (JBFC)
Address: Shed No. 8, Radhabai Chowk, opp. Bk No. 1035, behind Vicky Plumber, Ramayan Nagar, Ulhasnagar, Maharashtra 421002
Email: info@jbfc.co.in
Phone: +91 – 88062 88000
Website: https://jbfc.co.in
Business Hours: Always Open