- I/We confirm that we have carefully read and fully understood all the terms of use of availing financing that are listed on CAPTRUST Group website at https://www.CAPTRUST.in/termsofuse & https://www.CAPTRUST.in/privacypolicy and applicable to any loan availed through the Group Website.
- I/We accept the terms & conditions unconditionally and agree that these terms and conditions may be amended or modified at any time and I/we will be bound by the amended terms & conditions that are in force.
- I/We understand that sanction of the loan(s) is at the sole discretion of the s / banks (affiliated lenders) and is subject to my/our execution of necessary documents, providing any security(ies) and other closing formalities to the satisfaction of the concerned Lender. I/We agree that or Bank at its sole discretion may reject my application without providing any reasons, and that I/We reserve no right to appeal against this decision.
- I/We declare that I am/we are citizen(s) /resident(s) of India and I/we declare, warrant and represent that all the particulars and information and details given / filled in this application form and documents given by me/us to are true, correct and accurate and I/we have not withheld / suppressed any material information. I/We undertake to furnish any additional information/ documents that may be required by CAPTRUST from time to time. I/We understand that CAPTRUST reserves the right to retain/discard all documents (including photographs and financial instruments) submitted along with the loan application & may not return the same to the applicant.
- I/We confirm that there are no insolvency proceedings against me/us nor have I/we ever been adjudicated insolvent. I/We also undertake to inform CAPTRUST of changes in my/our occupation/employment and to provide any further information that the company may require. I/We shall advise CAPTRUST on the change in my/our resident status.
- I/We confirm that I/we am/are making an application to CAPTRUSTfor availing business loan, for meeting the working capital requirements/enhancement of the business pursued by me/us. I/We hereby confirm that the proceeds of the loan shall not be utilised for any speculative, anti-social, immoral or illegal purposes. The proceeds of the loan shall be utilised only for the purpose, mentioned hereinabove, and in compliance with the terms and conditions prescribed by CAPTRUST. CAPTRUST has the right to recall the loan facility if the loan proceeds are used for any purpose other than the declared purpose.
- As a pre-condition, relating to grant of the loans/advances/credit facilities by CAPTRUSTto me/us, I/We agree and give consent for the disclosure by CAPTRUST of: I. information and data relating to me/us and our directors and group companies; II. the information or data relating to any credit facility availed of/to be availed, by me/us; and III. default, if any, committed by me/us, in discharge of any our obligations, to all or any third parties as may be deemed necessary at the sole discretion of CAPTRUST.
- CAPTRUST may, as it reasonably deems appropriate and necessary, disclose and furnish information as set forth above to CIBIL and/or any other agency authorized in this behalf by the RBI. The Borrower hereby agrees that CAPTRUST shall be entitled to exchange information regarding our accounts with other financial institutions or banks, as and when required in accordance with Applicable Law and regulations.
- I/We undertake and acknowledge that: I. For the purpose of assessing our credit worthiness, CAPTRUST , and it’s affiliate(s) and lending partners are authorized to pull from CIBIL and/or any other agency authorized by RBI, data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan application is made; II. CIBIL and any other agency so authorized may use, process the said information and data disclosed by CAPTRUST , and it’s affiliate(s) and lending partners are in the manner as deemed fit by them; III. CIBIL, and any other agency so authorized may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors or registered users, as may be specified by the RBI in this behalf; IV. For the purpose of verification of my/our personal data, CAPTRUST , and it’s affiliate(s) and lending partners are authorized to pull from Central KYC Records Registry, ‘Know Your Customer’ data of the applicant(s), directors, group companies, and any other individuals who are involved in the said business, on behalf of which this loan application is made and V. For the purpose of assessing our credit worthiness, CAPTRUST , and it’s affiliate(s) and lending partners are authorized to fetch Goods and Service Tax returns/data, of the applicant(s), group companies, on behalf of which this loan application is made.
- I/We further authorize CAPTRUST Group to keep me/us informed (vide telephone, SMS, mail, E-mail etc.) of all promotional schemes and/or activities.
- CAPTRUST might charge a non-refundable amount of Rs.10/- as Signature Verification Fee which is required to be deposited through cheque directly in the specified bank account of CAPTRUST Finance Limited.
- Based on the respective risk category, different rate of interest is charged to different category of customerS.