Legal
Disclaimer
The important thing to understand about what we do, and what we cannot do.
We are a consultancy, not a lender
JPS Finwise helps people understand their loan options, prepare an application and deal with a lender. We do not lend money. The bank or financial institution is the lender, and every decision about your loan belongs to them.
What the lender decides, not us
- Whether your application is approved.
- The interest rate you are offered.
- How much you can borrow.
- The repayment period and the instalment.
- Any fees, charges or conditions attached.
- Whether and when the money is disbursed.
These depend on the lender’s own policy at the time and on your individual circumstances. Nobody can promise them to you in advance, and you should be careful of anybody who does.
We make no guarantees
We do not guarantee that any application will be approved, and we do not promise a particular rate, amount, tenure or timeline. Nothing on this website is an offer of credit or a commitment to lend.
About the calculators
The EMI calculators on this site work out a monthly instalment from figures that you enter. They are there to help you understand how the amount, the rate and the repayment period affect each other. They are illustrative only. They are not a quote, not an offer, and not a prediction of what any lender will give you. Your actual instalment will be set by your lender and may differ.
General information, not advice
The information on this site is general and does not take account of your personal financial position. It is not investment advice or a personal recommendation. Before taking a loan, consider whether the repayments are affordable for you, and seek independent professional advice if you are unsure.
Accuracy
We try to keep this site accurate and current, but lending practices change. If something here conflicts with what a lender tells you in writing, the lender’s documents are what count. Always read the sanction letter and loan agreement before you sign.
Links to other websites
Where we link to another website, we are not responsible for its content or its privacy practices.
Talk to us
If anything here is unclear, ask. +91 90414 70124 or jpsfinwise@gmail.com.