Last Updated: September 29, 2026

Welcome to the website of KJ FINCORP (“KJ FINCORP”, “we”, “us”, or “our”).

These Terms of Service (“Terms”) govern your access to and use of the KJ FINCORP website, including the information, content, enquiry forms and services made available through the website.

By accessing or using this website, you acknowledge that you have read, understood and agreed to these Terms. If you do not agree with these Terms, please discontinue use of the website.

1. About KJ FINCORP

KJ FINCORP is a financial solutions and corporate financing company that helps individuals, entrepreneurs, businesses, startups, builders and developers navigate funding requirements and explore relevant banking and financing solutions.

Our areas of assistance may include:

• Banking Services

• Loan Against Property

• Startup Financing

• Builder & Project Financing

• Personal Funding

• Other financing-related requirements, where applicable

The availability of a particular service or financing option may depend on the nature of the requirement, eligibility, documentation, lender policies and other applicable conditions.

2. Nature of Our Website

The information provided on this website is intended for general informational and enquiry purposes.

The website does not constitute:

• A loan approval

• A financing sanction

• A guarantee of funding

• A guarantee of eligibility

• A guarantee of interest rates

• Financial, investment, tax or legal advice

• A binding offer or commitment to provide financing

Submitting an enquiry through the website does not create an obligation on KJ FINCORP or any financial institution to provide financing.

3. Financing Is Subject to Approval

Any financing, loan, banking facility or other financial product discussed or pursued through KJ FINCORP remains subject to the applicable terms, conditions, eligibility criteria, documentation requirements and approval processes of the relevant financial institution or financing provider.

Factors that may affect financing decisions can include, among other things:

• Applicant eligibility

• Credit history

• Income or financial position

• Business performance

• Property or project details

• Documentation

• Repayment capacity

• Applicable policies

• Regulatory requirements

• Internal assessment by the relevant financial institution

KJ FINCORP does not guarantee that any particular financing application will be approved.

4. Website Information

We make reasonable efforts to ensure that the information presented on the website is accurate and useful.

However, information may change over time and may not always be complete, current or applicable to every individual situation.

Information relating to financial products, financing requirements, eligibility, processes, documentation or other matters may change based on applicable policies, market conditions, regulations or third-party requirements.

You should verify important information before relying on it or making a financial decision.

5. Enquiry Forms

The website may provide enquiry forms through which you can submit information about your financing requirements.

You agree to provide information that is:

• Accurate

• Current

• Complete

• Not misleading

You should not knowingly submit false, fraudulent or misleading information.

KJ FINCORP may contact you using the information provided through an enquiry form to:

• Understand your requirement

• Request additional information

• Discuss potential financing routes

• Coordinate the enquiry

• Provide relevant information

• Discuss next steps

Submitting an enquiry does not guarantee that KJ FINCORP will be able to provide or arrange a particular financing solution.

6. Communication Consent

By submitting your contact details through the website, you acknowledge that KJ FINCORP may contact you regarding your enquiry using the communication details provided by you.

Communication may take place through:

• Phone

• Email

• WhatsApp

• SMS

• Other appropriate communication channels

Where applicable, you may request to stop non-essential communications.

7. Third-Party Financial Institutions and Services

KJ FINCORP may interact with or refer enquiries to relevant financial institutions, banking channels, service providers or other third parties where appropriate.

Such third parties may have their own:

• Eligibility requirements

• Documentation requirements

• Terms and conditions

• Privacy policies

• Fees and charges

• Approval procedures

• Processing requirements

KJ FINCORP does not control the policies, decisions or internal processes of third-party financial institutions.

Any relationship you establish directly with a third-party financial institution may be governed by that institution’s separate terms and policies.

8. No Guarantee of Financing

KJ FINCORP does not guarantee:

• Approval of any loan or financing facility

• A particular loan amount

• A specific interest rate

• A specific repayment period

• A particular processing time

• A particular lender or financial institution

• Any specific financial outcome

Any financing-related information discussed with you should be considered subject to assessment and confirmation by the relevant financial institution or financing provider.

9. Fees and Charges

Any applicable fees, charges, commissions or other costs associated with a particular service or financing arrangement will depend on the applicable engagement and/or the relevant financial institution or service provider.

You should review and understand applicable charges before proceeding with any financial product or service.

Nothing on this website should be interpreted as a representation that all services are free of charge unless expressly stated.

10. Website Intellectual Property

Unless otherwise stated, the content and materials on this website, including:

• Text

• Logos

• Branding

• Graphics

• Images

• Design elements

• Website layout

• Icons

• Content

are owned by or licensed to KJ FINCORP and are protected by applicable intellectual property laws.

You may access and use the website for legitimate personal or business enquiry purposes.

You may not, without prior written permission:

• Copy substantial portions of the website

• Reproduce website content for commercial purposes

• Modify or republish our content

• Use our branding or logo without permission

• Sell or redistribute website materials

• Use website content to create a competing service

11. Prohibited Use

You agree not to use the website to:

• Submit false or fraudulent information

• Attempt to obtain financing through deceptive means

• Impersonate another person or organization

• Introduce malicious software or code

• Attempt unauthorized access to the website

• Interfere with website security or functionality

• Scrape or systematically extract website content without permission

• Use the website for unlawful purposes

• Engage in activity that could damage KJ FINCORP or its users

We reserve the right to restrict or terminate access to the website where we reasonably believe these Terms have been violated.

12. Third-Party Links

Our website may contain links to third-party websites or services.

These links may be provided for convenience or informational purposes.

KJ FINCORP does not control and is not responsible for:

• Third-party website content

• Privacy practices

• Security

• Availability

• Accuracy

• Products or services offered by third parties

Your use of third-party websites is subject to their respective terms and policies.

13. Website Availability

We aim to keep the website available and functioning properly.

However, we do not guarantee that the website will always be:

• Available

• Uninterrupted

• Error-free

• Free from technical issues

• Free from security vulnerabilities

Website availability may occasionally be affected by maintenance, technical issues, hosting problems, network interruptions or circumstances outside our reasonable control.

14. Disclaimer of Warranties

To the extent permitted by applicable law, the website and its content are provided on an “as available” and “as is” basis.

KJ FINCORP does not make warranties regarding:

• The completeness of website information

• The accuracy of every piece of information at all times

• Continuous website availability

• The suitability of a particular financing solution for an individual

• Approval of any financing application

• Specific financial outcomes

Users should obtain appropriate professional advice where necessary before making significant financial, legal, tax or business decisions.

15. Limitation of Liability

To the extent permitted by applicable law, KJ FINCORP shall not be liable for losses or damages arising from:

• Reliance solely on general website information

• Decisions made based on website content

• Financing applications being rejected

• Changes in lender policies

• Changes in interest rates or financing terms

• Actions or decisions of third-party financial institutions

• Temporary website interruptions

• Third-party website content or services

• Unauthorized access resulting from circumstances beyond our reasonable control

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

16. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless KJ FINCORP, its personnel and representatives from claims, losses, liabilities or expenses arising from:

• Your misuse of the website

• Your violation of these Terms

• Information you knowingly submit that is false or misleading

• Your violation of applicable law

• Your infringement of another party’s rights

17. Privacy

Your use of this website is also subject to our Privacy Policy and Cookie Policy.

These policies explain how information may be collected, used, stored and processed when you interact with our website.

By using the website, you acknowledge that you have reviewed these policies.

18. Changes to These Terms

KJ FINCORP may modify or update these Terms from time to time.

Changes may be made to reflect:

• Changes in our services

• Changes to the website

• Changes in business practices

• Changes in applicable laws or regulations

• Changes in third-party services

Updated Terms will be published on this page with a revised “Last Updated” date.

Your continued use of the website after changes are published constitutes your acceptance of the updated Terms, to the extent permitted by applicable law.

19. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws applicable in India.

Subject to applicable law, disputes arising in connection with these Terms or your use of the website shall be subject to the jurisdiction of the competent courts having jurisdiction over [City, State, India].

20. Contact Us

If you have questions regarding these Terms of Service, you may contact us at:

KJ FINCORP
Financial Solutions & Corporate Financing

Phone: [Phone Number]
Email: [Email Address]
Office Address: [Office Address]
WhatsApp: [WhatsApp Number]

For legal or Terms-related enquiries, please mention “Terms of Service Enquiry” in your communication.

21. Acceptance of Terms

By accessing or using the KJ FINCORP website, you acknowledge that you have read, understood and agreed to these Terms of Service.

If you do not agree with these Terms, please discontinue use of the website.