Terms & Conditions

1. Introduction

BKUBE operates as a financial assistance and facilitation platform that connects customers with banks, NBFCs, and financial institutions based on customer requirements and eligibility.

By accessing or using this website, you agree to comply with these Terms & Conditions and all applicable laws and regulations.

If you do not agree with any part of these terms, you should discontinue the use of this website immediately.

2. Loan Approval & Eligibility

All loan approvals, sanctions, interest rates, repayment tenure, processing fees, disbursement timelines, and financial terms are determined solely by the respective lender or financial institution.

Approval decisions depend on several factors including:

• Customer eligibility and credit profile
• Income verification and banking history
• Employment or business stability
• Existing financial liabilities
• Lender-specific internal policies
• Documentation and verification processes

Submitting an enquiry or application through BKUBE does not guarantee loan approval, sanction, or disbursement.

Final approval remains at the sole discretion of the respective financial institution or lending partner.

3. Customer Responsibility

Customers are responsible for ensuring that all information, documents, KYC details, income proofs, and bank statements submitted are accurate, complete, and verifiable.

BKUBE shall not be responsible for delays, rejections, reduced sanction amounts, or processing issues caused due to:

• Incomplete or incorrect documentation
• Failure in verification processes
• Misrepresentation of information
• Technical interruptions or third-party delays
• Non-compliance with lender requirements

4. Role of BKUBE

BKUBE acts solely as a facilitation and support platform between applicants and financial institutions.

BKUBE may:

• Contact customers regarding enquiries
• Assist with onboarding and documentation
• Coordinate with lending partners
• Provide application updates and support
• Help customers understand financial products

BKUBE does not directly provide loans or make lending decisions unless explicitly stated otherwise.

5. Financial Risk Disclosure

Loans and financial products involve repayment obligations and financial risks. Customers are advised to carefully evaluate their repayment capacity before applying for any financial product.

Applicants should review all applicable:

• Interest rates
• EMI obligations
• Processing charges
• Foreclosure conditions
• Late payment penalties
• Auto-debit mandates
• Lender-specific policies and agreements

6. Third-Party Services

This website may contain links, integrations, or references to third-party websites and financial service providers for customer convenience.

BKUBE does not guarantee or assume responsibility for the accuracy, policies, services, or availability of third-party platforms.

Users accessing third-party services do so at their own discretion and subject to the respective third party’s policies and terms.

7. Communication Consent

By submitting an enquiry or application through BKUBE, customers authorize BKUBE and its associated partners to contact them via:

• Phone calls
• SMS
• WhatsApp
• Email communication
• Push notifications

Such communication may include verification requests, documentation support, service updates, marketing communication, and customer assistance.

8. Limitation of Liability

BKUBE shall not be liable for any direct, indirect, incidental, financial, or consequential loss arising from:

• Loan rejection or delayed approval
• Incorrect information submitted by customers
• Technical interruptions or downtime
• Third-party lender decisions or policies
• Unauthorized access beyond reasonable control

All services are provided on a best-effort basis without any guarantee of approval or uninterrupted availability.

9. Policy Updates

BKUBE reserves the right to modify, revise, suspend, or update these Terms & Conditions at any time without prior notice.

Continued use of the platform constitutes acceptance of the updated terms.