1. Acceptance of Terms

By using this website or availing of our services, you confirm that you have read, understood, and agreed to these Terms & Conditions, as well as our Privacy Policy. If you do not agree, please refrain from using our website or services.

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2. Services Overview

BHS Instant Loan Solutions provides assistance in sourcing and processing various financial products such as personal loans, business loans, home loans, and balance transfers through our partner banks and NBFCs.

We act as a loan intermediary or service facilitator and not as a direct lender.

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3. Eligibility

To use our services, you must:

• Be a resident of India
• Be at least 21 years of age
• Have a valid government ID (PAN, Aadhaar, etc.)
• Provide accurate employment and income details

Eligibility for loan approval is subject to the respective bank’s or NBFC’s internal credit policies.

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4. Use of Website

You agree to use our website only for lawful purposes and not for:

• Uploading false or misleading information
• Impersonating another person or entity
• Engaging in any activity that may harm the website’s functionality or security

Any misuse of the website or fraudulent activities may lead to suspension of access or legal action.

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5. Application Process

• Loan applications submitted through our website are subject to verification and credit approval.
• Submission of documents does not guarantee loan sanction.
• BHS Instant Loan Solutions and partner institutions reserve the right to reject applications without assigning any reason.
• Loan terms, interest rates, and tenure vary depending on the applicant’s profile and the lending institution’s policies.

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6. Fees and Charges

• Processing fees and other charges are decided based on the loan amount and the lending institution’s terms.
• For loans above ₹10 Lakhs, processing fees may be waived or partially charged as per promotional offers.
• Any applicable fees will be communicated transparently before proceeding with the loan.

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7. Third-Party Links

Our website may contain links to third-party bank or NBFC websites. We are not responsible for the content, security, or practices of those external websites. Accessing them is at your own discretion.

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8. Intellectual Property

All content on this website — including text, graphics, logos, designs, and software — is the property of BHS Instant Loan Solutions.

You may not copy, reproduce, or distribute any material without written permission from us.

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9. Limitation of Liability

BHS Instant Loan Solutions is not responsible for:

• Any loss or damage resulting from the use of this website or services
• Delays or rejections caused by banks or NBFCs
• Unauthorized access to your personal data despite reasonable security measures

We act only as a facilitator between the customer and financial institutions.

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10. Indemnity

You agree to indemnify and hold harmless BHS Instant Loan Solutions, its employees, and partners from any claims, losses, damages, or expenses arising from your misuse of the website or violation of these Terms.

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11. Changes to Terms

We may modify these Terms & Conditions at any time without prior notice. Updated versions will be posted on this page, and continued use of the website implies acceptance of the revised terms.

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12. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of India, with jurisdiction in Bangalore, Karnataka.

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13. Contact Us

For any queries, feedback, or grievances regarding these Terms, please contact:

BHS Instant Loan Solutions
Banashankari 3rd Stage, near Kathriguppe, Bangalore – 560085

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