Terms & Conditions

1. Introduction

Welcome to Highness Finance Private Limited ("Highness Finance", "Company", "we", "our", or "us"). By accessing our website, applying for a loan, or using any of our services, you agree to comply with and be bound by these Terms & Conditions.

2. Company Information

3. Eligibility

Applicants must be legally competent to enter into a contract under applicable laws and provide accurate information and supporting documents as required by the Company.

4. Loan Products & Services

Highness Finance offers the following financial products:

• Gold Loans
• Two-Wheeler Loans
• Used Two-Wheeler Loans
• Auto Loans
• Used Car Loans
• Consumer Loans
• Personal Loans
• PLI (Personal Loan with Imperfect Collateral)
• Business Loans
• Entrepreneurship Business Loans (EBL)
• Loan Against Property (LAP)

Availability, interest rates, eligibility criteria, repayment terms, and loan amounts are subject to change at the sole discretion of the Company.

5. Loan Approval

Submission of a loan application does not guarantee approval. All applications are subject to verification, credit assessment, risk evaluation, and compliance with Company policies.

6. Fees & Charges

Borrowers agree to pay applicable interest, processing fees, documentation charges, valuation fees, legal expenses, penal charges, taxes, and other applicable fees associated with the loan facility.

7. Repayment Obligations

Borrowers shall repay all dues according to the agreed repayment schedule. Failure to make timely payments may result in penalties, recovery proceedings, legal action, or enforcement of security.

8. Security & Collateral

Certain loan products may require collateral or security. Borrowers must ensure that all assets offered as security are legally owned and free from undisclosed encumbrances.

9. Customer Responsibilities

• Provide accurate and complete information.
• Submit genuine and valid documents.
• Cooperate during verification processes.
• Comply with all applicable laws and regulations.

10. Website Usage

Users shall not misuse the website, attempt unauthorized access, distribute harmful software, or interfere with website functionality or security.

11. Intellectual Property

All content, trademarks, logos, graphics, and materials available on this website are the property of Highness Finance Private Limited and are protected under applicable intellectual property laws.

12. Privacy

By using our services, you consent to the collection, processing, and storage of information necessary for loan processing, regulatory compliance, fraud prevention, and customer support.

13. Limitation of Liability

Highness Finance shall not be liable for indirect, incidental, or consequential damages arising from the use of its website, products, or services, except as required by applicable law.

14. Regulatory Compliance

All services provided by Highness Finance are subject to RBI regulations, NBFC guidelines, and all applicable laws and statutory requirements in India.

15. Amendments

The Company reserves the right to modify or update these Terms & Conditions at any time. Continued use of our services constitutes acceptance of any revised terms.

16. Governing Law

These Terms & Conditions shall be governed by the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Kollam, Kerala.

17. Contact Information

For any questions regarding these Terms & Conditions, please contact us at our registered office or through the contact details provided on our website.