Terms and Conditions

Welcome to [Your Company Name] (“Company,” “we,” “our,” or “us”).
These Terms and Conditions (“Terms”) govern your access to and use of our website [yourdomain.com], mobile application, and all related services (collectively referred to as “Services”).

By using our website or applying for a loan through our platform, you agree to comply with these Terms.
If you do not agree, please discontinue using our Services immediately.

1. Eligibility

To use our Services or apply for a loan, you must:

Be at least 18 years of age
Be an Indian resident (or as applicable in your region)
Provide valid identification and accurate personal information
Have a valid bank account and verifiable income source

We reserve the right to verify your eligibility and reject applications that do not meet our criteria.

2. Loan Application Process

By submitting a loan application, you authorize [Your Company Name] to:

Collect and verify your personal, employment, and financial details
Obtain your credit information from authorized credit bureaus (e.g., CIBIL, Experian)
Share your information with our authorized lending partners, NBFCs, or banks for processing

Approval of any loan is at the sole discretion of our lending partners and is subject to verification, eligibility, and risk assessment.

3. Loan Disbursement and Repayment

Loan amounts, interest rates, tenure, and repayment schedules will be clearly communicated before disbursement.
Upon acceptance, repayment obligations become legally binding.
Repayments must be made as per the agreed schedule through authorized payment modes.
Late payments or non-repayments may incur penalties, interest, or legal action as per applicable law.
Default information may be reported to credit bureaus, which could affect your credit score.

4. Fees and Charges

All applicable fees, processing charges, and penalties will be clearly disclosed during the loan application process.
You agree to pay all such charges as part of the loan agreement.

5. Use of Website and Services

You agree not to:

Misuse our website or submit false information
Attempt to hack, disrupt, or damage our systems or servers
Copy, reproduce, or distribute website content without permission
Use our platform for fraudulent or unlawful purposes

We reserve the right to suspend or terminate access to our platform if misuse or suspicious activity is detected.

6. Data Privacy and Security

We value your privacy and handle your personal information in accordance with our Privacy Policy.
By using our Services, you consent to the collection, use, and sharing of your information as described in that policy.

7. Third-Party Links

Our website may contain links to third-party sites.
We are not responsible for the content, accuracy, or privacy practices of these external websites.
Visiting third-party links is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law, [Your Company Name] and its partners will not be liable for:

Any loss or damage arising from use or inability to use our Services
Any inaccuracy of credit or financial information provided by third parties
Any unauthorized access or data breach beyond our reasonable control

You acknowledge that you use our platform and Services at your own risk.

9. Indemnification

You agree to indemnify and hold harmless [Your Company Name], its affiliates, employees, and partners from any claims, liabilities, damages, or losses arising from:

Your use of our Services
Violation of these Terms
Misrepresentation of any information provided

10. Intellectual Property

All content, trademarks, logos, and designs on our website are owned by [Your Company Name] or licensed to us.
You may not copy, reproduce, or use them without our prior written permission.

11. Termination

We reserve the right to:

Suspend or terminate your account or access to our Services at any time
Refuse to process a loan application if fraudulent or incorrect information is found

Termination does not affect any obligations already incurred under a loan agreement.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of India.
Any disputes shall be subject to the exclusive jurisdiction of the courts in [Your City/State], India.

13. Changes to These Terms

We may update or modify these Terms at any time without prior notice.
Changes will take effect immediately upon posting on our website.
Your continued use of our Services after such changes constitutes acceptance of the revised Terms.

14. Contact Us

For any questions or concerns regarding these Terms and Conditions, please contact:

[Your Company Name]
Customer Support Team
📧 Email: info@europeodyssey.com
📞 Phone: (+39)3881215318