Terms & Conditions
Terms & Conditions
Last Updated: June 2026
MIBLoan — Powered by Sivaji Business Solution
Welcome to MIBLoan. By accessing or using our website, services, or submitting your information through our platform, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before proceeding. If you do not agree with any part of these terms, you should discontinue use of our services immediately.
Welcome to MIBLoan. By accessing or using our website, services, or submitting your information through our platform, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before proceeding. If you do not agree with any part of these terms, you should discontinue use of our services immediately.
1. Terms & Conditions
- Service Nature: MIBLoan powered by Sivaji Business Solution provides financial assistance, loan support, credit guidance, documentation support, and related consulting services to customers seeking financial products and services. We act solely as a facilitator connecting borrowers with regulated financial institutions.
- User Consent: By using our website or services, you acknowledge and agree to these Terms & Conditions, our privacy practices, and the service process followed by our organization. Your continued use constitutes acceptance of any updates or modifications.
- Information Accuracy: Customers must provide accurate, complete, and updated personal, financial, employment, and KYC information for service processing. Any false, misleading, or incomplete information may result in rejection or termination of services without prior notice.
- Third-Party Partners: Loan approvals, credit evaluations, and financial products are offered by banks, NBFCs, credit bureaus, and financial institutions. MIBLoan acts only as a facilitator and does not directly provide loans, credit cards, or any financial products to customers.
- No Loan Guarantee: Submission of an application, consultation request, or payment of service charges does not guarantee approval of any loan, credit card, or financial product. Approval is solely at the discretion of the respective financial institution based on their internal policies and eligibility criteria.
- Service Fees: Applicable service charges, consultation fees, or processing fees must be paid before service initiation unless otherwise specified. Fees once paid are non-refundable except where required under applicable law or expressly agreed in writing by both parties.
- Customer Responsibility: Customers are solely responsible for reviewing and understanding loan terms, EMI obligations, repayment schedules, processing charges, penalties, interest rates, and all agreements before accepting any financial product from lending institutions.
- Data & Privacy: Customer information may be collected, stored, processed, and shared with authorized banking partners, NBFCs, credit bureaus, verification agencies, and service providers strictly for processing, verification, compliance, and service-related purposes as per applicable data protection laws.
1. Terms & Conditions (Continued)
- Communication Consent: By registering or submitting information with us, you consent to receive calls, SMS, WhatsApp messages, notifications, and emails regarding your applications, offers, updates, and related services, even if your number is registered under the DND (Do Not Disturb) registry.
- Fraud Warning: MIBLoan will never request customers to transfer money to personal bank accounts, UPI IDs, or unknown digital wallets. All payments are processed through official channels only. Customers are advised to report suspicious activity immediately to our support team.
- Service Modification: We reserve the right to modify, suspend, discontinue, or update any service, feature, or policy at any time without prior notice. Continued use of services after modifications constitutes acceptance of the revised terms.
- Limitation of Liability: MIBLoan shall not be held liable for any rejection, delay, loss, damages, or decisions made by banks, NBFCs, credit bureaus, or third-party financial institutions. We do not guarantee specific outcomes or results from our services.
- Termination: We reserve the right to suspend or terminate services, access, or applications if fraudulent activity, misuse, misrepresentation, or submission of false information is identified, without any liability to the customer.
- Intellectual Property: All website content, branding, logos, text, graphics, designs, and materials are the exclusive property of MIBLoan and Sivaji Business Solution. Reproduction, distribution, or unauthorized use without prior written permission is strictly prohibited.
- Governing Law & Jurisdiction: These Terms & Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or related to these services shall be subject to the exclusive jurisdiction of the courts located in Chennai, Tamil Nadu, India.
Acceptance: By checking the acceptance box and submitting any form on our platform, you confirm that you have read, understood, and irrevocably agreed to all the above terms and conditions.
2. Refund Policy
At MIB Financial Services (operating as MIBLoan, powered by Sivaji Business Solution), we are committed to providing high-quality financial consultation and credit improvement services. This Refund Policy outlines the terms under which refunds may be considered.
2.1 Subscription Fees
All subscription fees and service charges paid for our consultation services are non-refundable once the service has been activated and access has been provided to the customer. By making a payment, you acknowledge and accept this policy.
2.2 Eligibility for Refund
Refunds may be considered by our team only under the following limited circumstances:
- Duplicate payment made by the customer due to a technical error on our platform.
- Payment was successfully deducted from the customer's account but the service was not activated or access was not granted due to a confirmed technical issue on our end.
- An incorrect amount was charged due to a verified system error or billing discrepancy.
2.3 Non-Refundable Services
No refunds will be provided under any circumstances for the following:
- Services that have already been delivered, accessed, or utilized by the customer.
- Credit report analysis, CIBIL score consultation, and financial advisory services already rendered.
2. Refund Policy (Continued)
- Customer dissatisfaction arising from factors beyond our direct control, including but not limited to credit bureau decisions, lender rejections, credit score fluctuations, or changes in lending policies of third-party institutions.
- Change of mind by the customer after service activation.
2.4 Refund Processing
Approved refund requests will be processed to the original payment method within 7–15 business days from the date of approval. The actual credit to the customer's account is subject to banking and payment gateway processing timelines, over which we have no control.
2.5 How to Request a Refund
For refund-related queries or to submit a refund request, customers must contact our customer support team with the following details:
- Full name and registered contact information.
- Transaction ID or payment reference number.
- Date and amount of the transaction.
- Detailed reason for the refund request.
Refund requests will be reviewed on a case-by-case basis, and the decision of MIB Financial Services shall be final and binding.
Important: MIB Financial Services reserves the sole and absolute right to review, approve, or reject refund requests on a case-by-case basis. Submission of a refund request does not guarantee approval. This policy is subject to change without prior notice.
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