Policies

Introduction

Welcome to TJ Financial Consultancy & Investments (P) Ltd. By accessing and using this website, you agree to comply with the terms and conditions mentioned herein.

Information Accuracy

While we strive to keep all information accurate and up to date, TJ Financial Consultancy & Investments (P) Ltd does not guarantee the completeness, accuracy, or reliability of the information provided on this website.

Intellectual Property

All content, logos, trademarks, graphics, and materials available on this website are the property of TJ Financial Consultancy & Investments (P) Ltd and may not be reproduced without prior written permission.

User Responsibilities

Users shall not:

• Use the website for unlawful purposes.
• Attempt unauthorized access to systems or data.
• Upload malicious software or harmful content.
• Interfere with website operations.

Third-Party Links

The website may contain links to third-party websites. TJ Financial Consultancy & Investments (P) Ltd is not responsible for the content, security, or privacy practices of such websites.

Limitation of Liability

TJ Financial Consultancy & Investments (P) Ltd shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website.

Governing Law

This policy shall be governed by the laws of India and subject to the jurisdiction of courts located in Chennai.

General Policy

The fees, charges, and payments made towards loan processing, documentation, or other services shall generally be non-refundable unless specifically stated otherwise.

Eligible Refund Cases

Refunds may be considered under the following circumstances:

• Duplicate payment made by the customer.
• Excess amount debited due to technical or operational error.
• Payment collected for a service that could not be rendered due to reasons attributable to TJ Financial Consultancy & Investments (P) Ltd.

Non-Refundable Cases

Refunds shall not be provided for:

• Loan rejection due to customer eligibility criteria.
• Withdrawal of loan application by the applicant after processing has commenced.
• Charges paid to third-party agencies such as credit bureaus, legal agencies, valuation agencies, etc.

Refund Processing Timeline

Approved refunds will be credited to the original payment source within 7-15 working days, subject to banking channels.

Contact for Refund Requests

Customers may raise refund requests through:

• Email: contact@tjfc.in
• Customer Care: 9962575855

Loan Application Cancellation

Applicants may request cancellation of their loan application before loan disbursement by submitting a written request through designated customer service channels.

Post-Disbursement Cancellation

Once the loan amount has been disbursed, cancellation may not be permitted. However, customers may prepay or foreclose the loan as per the terms mentioned in the loan agreement.

Service Cancellation

Requests for cancellation of ancillary services shall be governed by the specific terms applicable to such services.

Processing Charges

Any processing fees, documentation charges, or third-party costs incurred up to the date of cancellation may be retained by TJ Financial Consultancy & Investments (P) Ltd.

How to Request Cancellation

Customers can submit cancellation requests through:

• Registered email ID
• Customer care number

Policy Updates

TJ Financial Consultancy & Investments (P) Ltd reserves the right to modify this policy from time to time. Updated versions will be published on the website.