Disclaimer

Important: Please read this Disclaimer carefully before using the services offered by JB Financial Consultants (JBFC) through our website jbfc.co.in or any other channel. By accessing our website or availing our services, you acknowledge that you have read, understood, and agreed to this Disclaimer in full.

1. Nature of Services

JB Financial Consultants (JBFC) is a loan advisory and facilitation firm registered as a Proprietorship in Thane, Maharashtra, India. JBFC operates exclusively as an intermediary and facilitator between clients (businesses and individuals) and institutional lenders such as banks and Non-Banking Financial Companies (NBFCs).

JBFC is NOT a bank, NOT an NBFC, and does NOT lend money directly. We do not hold any RBI lending licence. All loan disbursements, approvals, and rejections are solely at the discretion of the respective lending institution.

2. No Guarantee of Loan Approval

JBFC does not guarantee, promise, or assure loan approval, sanction, or disbursement in any form — written or verbal. Our role is limited to:

  • Assessing your eligibility based on the information you provide
  • Matching your profile with suitable lenders from our network
  • Facilitating the preparation and submission of loan applications
  • Coordinating with lenders during the processing and sanction stages

Final loan approval, the applicable interest rate, tenure, and other terms and conditions are determined solely by the lending institution. JBFC has no authority to influence or alter these decisions.

3. Accuracy of Information

The information, content, and materials published on jbfc.co.in are provided for general informational purposes only. While JBFC makes every effort to keep the content accurate and up to date, we make no representations or warranties — express or implied — about the completeness, accuracy, reliability, suitability, or availability of the information on the website.

Loan eligibility criteria, interest rates, processing fees, and product features mentioned on the website are indicative only and subject to change by the respective lenders without prior notice. Always verify current terms directly with the lender before making any financial decision.

4. Not Financial or Legal Advice

Nothing on this website or communicated by JBFC representatives via any channel (WhatsApp, email, phone, or in person) constitutes professional financial, legal, tax, or investment advice. All advisory inputs provided by JBFC are based on general industry knowledge and the information shared by the client.

Clients are strongly encouraged to consult a qualified Chartered Accountant (CA), legal counsel, or financial advisor before making any significant financial commitment or decision.

5. Limitation of Liability

To the fullest extent permitted by applicable law, JBFC, its proprietor, employees, agents, and associates shall not be liable for any direct, indirect, incidental, consequential, or punitive losses or damages arising from:

  • Loan rejection by a lender after application submission
  • Delays in loan processing caused by the lender or regulatory requirements
  • Changes in interest rates, loan amounts, or terms decided by the lender
  • Loss or damage resulting from reliance on information on our website
  • Technical errors, downtime, or unavailability of the website
  • Fraudulent activities by third parties impersonating JBFC

JBFC's total aggregate liability to any client, in any case, shall not exceed the consultation or service fee actually paid by the client to JBFC for the specific service in question.

6. Client Responsibility

Clients are solely responsible for:

  • Providing accurate, truthful, and complete financial and personal information to JBFC and lenders
  • Ensuring all submitted documents are genuine and legally valid
  • Understanding and independently evaluating all loan terms before signing any agreement with a lender
  • Timely repayment of loans as agreed with the lender — JBFC holds no responsibility for loan repayment obligations

Submission of false, misleading, or forged documents is a criminal offence under Indian law and will result in immediate termination of JBFC's engagement and may be reported to relevant authorities.

7. Third-Party Lenders

JBFC works with a network of banks and NBFCs and facilitates introduction of clients to these institutions. JBFC does not endorse any specific lender, loan product, or financial institution. Any agreement entered into between a client and a lender is a bilateral contract solely between those two parties. JBFC is not a party to such agreements and bears no liability for their fulfilment or breach.

8. Beware of Fraud

JBFC will never ask clients to transfer money to any personal bank account as a condition for loan approval or processing. Any such demand is fraudulent. All legitimate fee payments must be made only as formally communicated in writing. If you receive any suspicious communication claiming to be from JBFC, please contact us immediately at info@jbfc.co.in or +91-8806288000.

9. Changes to This Disclaimer

JBFC reserves the right to modify or update this Disclaimer at any time without prior notice. The revised Disclaimer will be published on this page with an updated date. Continued use of our website or services after such changes shall constitute your acceptance of the updated Disclaimer.

Governing Law: This Disclaimer is governed by the laws of India. Any disputes arising from or related to this Disclaimer or your use of JBFC's services shall be subject to the exclusive jurisdiction of the courts in Thane, Maharashtra, India.