Terms & Conditions

By accessing or using our website and services, you agree to be bound by these Terms & Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our services.

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the revised terms.

• All loan applications are subject to credit assessment, verification, and approval by GCPL Mumbai.
• Loan terms, including interest rates, tenure, and EMI amounts, will be communicated in the loan agreement.
• Disbursement is subject to completion of documentation and satisfaction of all conditions precedent.
• We reserve the right to reject any application without providing a reason.
• Borrowers must provide accurate and complete information. Misrepresentation may result in cancellation of the loan and legal action.

• Interest rates are determined based on risk assessment, loan type, tenure, and market conditions.
• All applicable charges — processing fees, prepayment charges, late payment penalties, etc. — will be disclosed upfront in the loan agreement.
• Interest is calculated on the reducing balance method unless otherwise specified.
• We comply with RBI guidelines on interest rates and charges applicable to NBFCs.

• Borrowers must repay EMIs as per the agreed schedule. Late payments attract penal charges as specified in the loan agreement.
• In case of default, we reserve the right to initiate recovery proceedings in accordance with applicable laws.
• We follow RBI guidelines and do not engage in harassment or coercive recovery practices.
• Default information may be reported to credit bureaus, affecting the borrower's credit score.

• The content on this website is for informational purposes only and does not constitute an offer or solicitation.
• You may not use our website for any unlawful purpose or in any way that could damage our systems or reputation.
• We make reasonable efforts to ensure accuracy, but do not guarantee the completeness or timeliness of information.
• All intellectual property on this website belongs to GCPL Mumbai and may not be reproduced without permission.

6. Governing Law & Jurisdiction

These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.