1. Introduction

Welcome to www.naoloan.com (the “Site”), owned and operated by Naoloan.com. By accessing and using this Site, you agree to comply with and be bound by these Terms and Conditions (hereinafter referred to as “ToU”) and our Privacy Policy. If you do not agree with any part of these terms, you must refrain from using this Site.

Naoloan.com reserves the right to modify or update the ToU at any time without prior notice. Your continued use of the Site after any modifications indicates your acceptance of the revised terms.

2. Description of Services

Naoloan.com provides users with access to financial services, including but not limited to loans, credit cards, and related financial products (the “Services”).

By using this Site and submitting your personal details, you express your interest in availing of these Services and authorize Naoloan.com, its affiliates, and partners to contact you via phone, email, SMS, or WhatsApp. You further agree to receive promotional communications from Naoloan.com unless you opt out.

3. License and Site Access

Naoloan.com grants you a limited, non-exclusive, and non-transferable license to access and use the Site for personal and non-commercial purposes. You agree not to:

• Copy, download, or reproduce Site content for commercial purposes.
• Use automated tools (robots, spiders, scrapers) to extract data from the Site.
• Engage in any activity that disrupts or overloads the Site’s infrastructure.
• Bypass security measures or attempt unauthorized access.

Violation of these terms will result in immediate termination of your access to the Site.

4. User Eligibility

The Site and its Services are available only to individuals who are:

• At least 18 years old.
• Legally capable of entering into binding agreements.
• Not previously suspended or removed from the Site.

Users are prohibited from maintaining multiple accounts or transferring accounts to third parties.

5. User Account Responsibilities

By creating an account on the Site, you agree to:

• Provide accurate and up-to-date information.
• Maintain the confidentiality of your account credentials.
• Be responsible for all activities under your account.
• Immediately notify Naoloan.com of any unauthorized access.

Naoloan.com reserves the right to terminate accounts that provide false or misleading information.

6. Content Submission

By submitting any content (reviews, comments, or other materials), you grant Naoloan.com a non-exclusive, worldwide, royalty-free, and perpetual license to use, modify, and distribute such content. You agree that submitted content must not:

• Violate any copyright, trademark, or intellectual property rights.
• Contain offensive, illegal, defamatory, or misleading material.
• Advertise or solicit third-party services.

Naoloan.com reserves the right to remove any content that violates these terms.

7. Disclaimer of Warranties and Liability

Naoloan.com provides its Services on an “as is” and “as available” basis without warranties of any kind, including:

• Accuracy or reliability of financial information.
• Uninterrupted or error-free operation of the Site.
• Protection from malware, viruses, or harmful components.

Naoloan.com disclaims liability for any direct, indirect, incidental, or consequential damages resulting from your use of the Site.

8. Communications and Marketing

By using this Site, you consent to receive communications via email, SMS, and phone calls from Naoloan.com and its partners regarding Services, offers, and promotional updates. If you wish to opt out, you may do so via the provided unsubscribe options.

9. Third-Party Links and Resources

The Site may contain links to third-party websites. Naoloan.com does not control, endorse, or assume responsibility for the accuracy or content of these external sites. Your interaction with third-party resources is at your own risk.

10. Security and Unauthorized Access

Access to password-protected areas of the Site is restricted to authorized users. Unauthorized attempts to access these areas may result in legal action.

11. Modifications and Updates

Naoloan.com reserves the right to modify these Terms and Conditions, policies, or services at any time. Changes will be communicated via the Site. Continued use after updates constitutes acceptance of the revised terms.

12. Intellectual Property Rights

All trademarks, logos, and content on the Site are the exclusive property of Naoloan.com or its licensors. Unauthorized use of any intellectual property is strictly prohibited.

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed under the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Delhi, India.

14. Limitation of Liability

To the maximum extent permitted by law, Naoloan.com’s total liability for any claims shall not exceed INR 100 or the total service fees paid by you, whichever is higher.

15. Indemnification

You agree to indemnify and hold harmless Naoloan.com, its affiliates, and employees from any claims, losses, or damages resulting from:

• Your violation of these Terms.
• Your misuse of the Site.
• Any third-party claims arising from your use of the Services.

16. Contact Information

For any queries or concerns regarding these Terms, please contact:

Email: info@naoloan.com
Website: www.naoloan.com