Terms & Conditions

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1. Acceptance of Terms

By accessing or using the website of RSB Wealth Pvt. Ltd. ("RSB Wealth", "the Company", "we", "us") or availing any of our lending products, you ("user", "customer", "borrower") agree to be bound by these Terms & Conditions, our Privacy Policy, our Refund & Cancellation Policy, and our Fair Practices Code. If you do not agree, please discontinue use of this website and our services.

2. Eligibility

• You must be at least 18 years of age and legally competent to enter into a binding contract under the Indian Contract Act, 1872.
• Loan products are extended solely to Indian residents meeting our internal credit and KYC policy, at the sole discretion of RSB Wealth Pvt. Ltd.
• Submission of an application does not guarantee sanction or disbursement of any loan.

3. Description of Services

RSB Wealth Pvt. Ltd. (CIN: U65990RJ2018PTC060092) is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI Registration No. B-10.00283), offering personal loans, business loans, loan against property, and related advisory services, subject to applicable RBI regulations and our internal credit policy.

4. Loan Application & Sanction

1. All applications are subject to verification of KYC documents, credit bureau checks and internal underwriting norms.
2. RSB Wealth Pvt. Ltd. reserves the right to approve, reject, or modify any loan application without assigning reasons, subject to RBI's Fair Practices Code disclosure requirements.
3. A Key Fact Statement (KFS) and sanction letter will be shared with the applicant prior to execution of the loan agreement.
4. The loan agreement is executed only after the borrower's explicit e-sign or wet-ink consent.

5. Key Fact Statement & Disclosures

In line with RBI's fair-lending norms, every sanctioned loan is accompanied by a Key Fact Statement disclosing the annualised percentage rate, all applicable fees, recovery mechanism, and cooling-off/look-up period, if any. Borrowers are encouraged to read this document carefully before accepting a loan offer.

6. Interest, Fees & Charges

• Interest rates are determined per RSB Wealth's Board-approved interest rate policy, based on cost of funds, risk premium and tenure, and are disclosed upfront in the loan agreement/KFS.
• Processing fees, late payment charges, foreclosure charges (if any) and other applicable fees are disclosed prior to loan acceptance. No charge is levied without prior disclosure.
• All charges are subject to applicable GST and other statutory levies.

7. Repayment Obligations

Borrowers are responsible for timely repayment of EMIs/instalments as per the agreed repayment schedule. Delayed or missed payments may attract late payment charges, impact credit bureau scores, and trigger recovery action in accordance with RSB Wealth's Fair Practices Code and applicable law.

8. Website Accounts & Security

Where the website provides account access, you are responsible for maintaining the confidentiality of your login credentials and OTPs. RSB Wealth Pvt. Ltd. will never ask for your password or OTP over phone, email or SMS. Report any suspected unauthorised access immediately to our Grievance Redressal Officer.

9. Intellectual Property

All content on this website, including the RSB Wealth logo, text, graphics and design, is the property of RSB Wealth Pvt. Ltd. and may not be reproduced, copied or distributed without prior written consent.

10. Limitation of Liability

RSB Wealth Pvt. Ltd. shall not be liable for any indirect, incidental or consequential loss arising from use of this website, except to the extent such liability cannot be excluded under applicable law. Nothing in these Terms limits any statutory rights available to borrowers under RBI regulations or Indian consumer protection law.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts at Jaipur, Rajasthan, without prejudice to any dispute resolution or grievance mechanism prescribed by the RBI.

12. Changes to these Terms

RSB Wealth Pvt. Ltd. may revise these Terms & Conditions from time to time. The updated version will be posted on this page with a revised "Last updated" date. Continued use of our services after such changes constitutes acceptance of the revised Terms.

13. Contact

For questions about these Terms, write to legal@wealthrsb.com [placeholder] or refer to our Grievance Redressal page for escalation contacts.