Terms of Service

1. Acceptance of Terms

By accessing or using the website altioracapitalsolution.com and any products or services offered by Altiora Capital Solution Private Limited ("the Company," "we," or "our"), including PaisaOnClick and Dhana, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. About Our Services

Altiora Capital Solution operates as a technology platform that connects borrowers with lending partners including banks and Non-Banking Financial Companies (NBFCs). We are not a lender, bank, or financial institution. Our platforms facilitate the discovery, comparison, and application process for financial products. All lending decisions are made solely by the respective lending partners.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age.
• Be a resident of India.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate, current, and complete information as required.

4. User Obligations

By using our services, you agree to:

• Provide truthful and accurate information during registration and application processes.
• Maintain the confidentiality of your account credentials.
• Notify us immediately of any unauthorized access to your account.
• Use our services only for lawful purposes and in compliance with applicable laws.
• Not attempt to reverse-engineer, decompile, or tamper with our platforms.
• Not use automated systems (bots, scrapers) to access or interact with our services without prior written consent.

5. Intellectual Property

All content, trademarks, logos, software, designs, and intellectual property on our website and platforms are the exclusive property of Altiora Capital Solution Private Limited or its licensors. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

6. Lending Partner Relationships

Our platforms facilitate connections between you and third-party lending partners. Any loan agreement, financial product, or service you enter into is directly between you and the lending partner. We do not guarantee loan approval, interest rates, or specific terms. All lending terms are determined by the respective lending partner and are subject to their own terms and conditions.

7. Fees and Charges

Access to our platform may be free for borrowers. However, certain premium features or services may carry fees, which will be clearly communicated before you incur any charges. Lending partners may apply their own processing fees, interest rates, and charges as part of any financial product.

8. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of any information on our platforms. We do not warrant that our services will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Altiora Capital Solution Private Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services. Our total liability shall not exceed the amount paid by you, if any, for accessing our services during the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Altiora Capital Solution Private Limited, its directors, officers, employees, and agents from any claims, losses, liabilities, damages, costs, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

11. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason including but not limited to violation of these terms, fraudulent activity, or regulatory requirements. Upon termination, your right to use our services ceases immediately.

12. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of India. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Kerala, India.

13. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of our services after any modification constitutes acceptance of the revised terms.

14. Contact Us

For questions or concerns about these Terms of Service, please contact us at: