Terms & Conditions

NaviraLoan

Effective Date: 24 June 2026

Welcome to NaviraLoan.

These Terms & Conditions (“Terms”) govern your access to and use of the NaviraLoan mobile application, website, and related digital services (“Platform”).

NaviraLoan is developed and operated by:

THUNIL SUPER TECHNOLOGY PRIVATE LIMITED
(“NaviraLoan”, “Technology Service Provider”, or “LSP”)

NaviraLoan operates as a digital lending platform in partnership with:

S.B.N. LEASING AND FINANCE LIMITED
(“NBFC”, “Lending Partner”, or “Regulated Entity”)

By accessing or using NaviraLoan, you agree to comply with these Terms.

1. Understanding NaviraLoan Services

NaviraLoan provides a digital platform that enables users to access personal loan services offered by its lending partner.

The roles of each party are as follows:

NaviraLoan (THUNIL SUPER TECHNOLOGY PRIVATE LIMITED)

NaviraLoan is responsible for:

• Providing and maintaining the digital application platform;
• Supporting user registration and application submission;
• Providing technology solutions and customer assistance;
• Facilitating communication between users and the lending partner.

S.B.N. LEASING AND FINANCE LIMITED

The NBFC is responsible for:

• Designing and offering loan products;
• Reviewing borrower eligibility;
• Conducting credit assessment;
• Making loan approval decisions;
• Executing loan agreements;
• Disbursing approved loan amounts;
• Managing repayment-related activities.

All lending decisions are made solely by the NBFC based on its internal policies, applicable regulations, and assessment procedures.

2. Acceptance of Terms

By downloading, accessing, or using NaviraLoan, you confirm that:

• You have read and understood these Terms;
• You agree to follow the requirements stated herein;
• You provide accurate and complete information during the application process;
• You understand that loan approval is subject to assessment by the NBFC.

If you do not agree with these Terms, please discontinue using the Platform.

3. User Eligibility

To access loan-related services, you must:

• Be legally capable of entering into a binding agreement;
• Provide valid and accurate personal information;
• Complete required verification procedures;
• Meet eligibility criteria determined by the NBFC.

The NBFC may approve or reject loan applications based on applicable lending policies.

4. Loan Application Process

Through NaviraLoan, users may submit loan requests by providing required information and completing verification steps.

The application process may include:

• Account registration;
• Identity verification;
• Financial information submission;
• Required document verification;
• Credit evaluation.

Submission of an application does not guarantee loan approval.

The final decision regarding approval, loan amount, applicable terms, and disbursement shall be made by the NBFC.

5. Loan Agreement and Lending Relationship

If your loan application is approved:

• The loan agreement will be entered into between you and the NBFC;
• The NBFC will be the lender responsible for providing the loan;
• Applicable interest rates, fees, repayment schedules, and other loan conditions will be communicated before acceptance.

NaviraLoan does not independently provide loans or make lending decisions.

6. Loan Repayment Responsibilities

Once a loan is provided:

You are responsible for:

• Repaying the loan according to the agreed repayment schedule;
• Ensuring sufficient funds are available for repayment;
• Reviewing repayment details before making payments;
• Informing the appropriate party regarding repayment-related concerns.

Failure to repay on time may result in applicable charges, actions permitted under the loan agreement, and potential impact on your credit profile.

7. User Responsibilities

When using NaviraLoan, you agree that you will:

• Provide truthful and updated information;
• Use the Platform only for lawful purposes;
• Protect your account credentials;
• Not submit fraudulent documents or misleading information;
• Not misuse, modify, or interfere with the Platform.

You are responsible for maintaining the confidentiality of your account information.

8. Platform Usage Rules

You agree not to:

• Attempt unauthorized access to the Platform;
• Introduce harmful software or security threats;
• Use the Platform for illegal activities;
• Copy, distribute, or misuse Platform content.

We reserve the right to restrict access where misuse or security concerns are identified.

9. Fees, Charges and Loan Costs

Before accepting a loan offer, users will receive information regarding applicable:

• Interest rates;
• Processing charges (if applicable);
• Other applicable fees;
• Repayment obligations.

All loan-related charges are determined and disclosed by the NBFC.

Users should carefully review loan terms before accepting any offer.

10. Third-Party Services

NaviraLoan may integrate or use third-party services to support:

• Identity verification;
• Digital documentation;
• Security services;
• Payment-related functions.

Use of such services may be subject to additional terms provided by respective service providers.

11. Service Availability

We aim to maintain reliable access to NaviraLoan; however, availability may be affected by:

• System maintenance;
• Technical issues;
• Network interruptions;
• Events beyond reasonable control.

We do not guarantee uninterrupted availability of the Platform at all times.

12. Disclaimer

NaviraLoan provides technology support and digital access services.

We do not:

• Guarantee loan approval;
• Guarantee specific loan amounts;
• Guarantee acceptance of every application;
• Act as the lender.

All lending decisions are made by the NBFC.

13. Account Suspension or Termination

We may restrict or suspend access to the Platform if:

• Incorrect or misleading information is provided;
• Fraudulent activities are suspected;
• Platform security is compromised;
• Applicable laws or these Terms are violated.

Users may stop using the Platform at any time.

14. Intellectual Property

All Platform-related materials, including:

• Application design;
• Software;
• Content;
• Branding elements;

are owned by or licensed to THUNIL SUPER TECHNOLOGY PRIVATE LIMITED.

Users may not copy, modify, or distribute such materials without authorization.

15. Complaint and Grievance Support

If you have questions, concerns, or complaints regarding NaviraLoan services, you may contact us:

NaviraLoan Customer Support

Email:

help@naviraloan.com

For unresolved matters, users may contact the grievance channel of the lending partner NBFC as provided on the Platform.

16. Changes to These Terms

We may update these Terms periodically due to:

• Service improvements;
• Regulatory changes;
• Business requirements.

Updated Terms will be made available through the Platform.

Your continued use of NaviraLoan after updates indicates acceptance of the revised Terms.

17. Governing Compliance

These Terms are governed by applicable laws and regulations of India.

The Platform and lending services are provided in accordance with applicable digital lending requirements and regulatory guidelines.

18. Contact Information

For assistance regarding these Terms:

NaviraLoan

Developed and operated by:

THUNIL SUPER TECHNOLOGY PRIVATE LIMITED

Customer Support Email:

help@naviraloan.com

Lending Partner

S.B.N. LEASING AND FINANCE LIMITED

End of Terms & Conditions