DISCLAIMER

Last Updated: 31st July 2025

IMPORTANT NOTICE

Please read this disclaimer carefully before using our website, mobile application, or availing any services from LTCV Credit Private Limited ("LTCV," "Company," "we," "us," or "our"). By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

Company Details:

  • Name: LTCV Credit Private Limited
  • Registered Office: 1st Floor, No.10, 6th Main, 8th B Cross, Jeevan Bheema Nagar, Bangalore, Karnataka – 560075, India
  • Nature of Business: Non-Banking Financial Company (NBFC)

1. GENERAL DISCLAIMER

The information provided on our website, mobile application, and other platforms is for general informational purposes only. While we strive to keep information accurate and up-to-date, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of the information provided.

Any reliance you place on information provided by LTCV is strictly at your own risk. The content does not constitute professional financial, legal, tax, or investment advice. You should consult qualified professionals before making financial decisions.

2. LOAN SERVICES DISCLAIMER

2.1 No Guarantee of Approval

Loan applications are subject to our credit assessment and approval process. There is no guarantee that your loan application will be approved, even if you meet the published eligibility criteria. Meeting minimum criteria does not guarantee loan approval.

2.2 Interest Rates and Terms

  • Interest rates are subject to change based on market conditions and regulatory changes
  • Actual rates, loan amounts, and terms may vary based on individual credit assessment
  • Loans may attract additional charges such as processing fees and other applicable charges

2.3 Credit Impact

Loan applications and repayment history will be reported to credit bureaus, which may impact your credit score. Multiple applications may result in multiple credit inquiries affecting your credit score.

3. FINANCIAL RISK DISCLAIMER

3.1 Borrowing Risks

Taking a loan involves financial commitment and risk. Ensure you can meet repayment obligations before borrowing. Borrowing beyond your repayment capacity can lead to financial distress and negatively impact your credit score.

3.2 No Investment Advice

We do not provide investment advice or recommend any investment products. Economic conditions and market changes may affect your ability to repay loans.

4. REGULATORY DISCLAIMER

LTCV is registered with the Reserve Bank of India as a Non-Banking Financial Company. However, RBI registration does not guarantee company performance or business practices.

Changes in RBI guidelines or government policies may affect our services and terms. Our services are intended for Indian residents only.

5. TECHNOLOGY DISCLAIMER

5.1 System Availability

Our digital platforms may experience downtime or technical issues. We do not guarantee uninterrupted service availability.

5.2 Calculation Tools

Loan calculators and financial tools are for estimation purposes only. Actual figures may vary based on specific loan terms and individual assessment.

6. THIRD-PARTY SERVICES

We may use third-party service providers for payments, verification, and other services. We are not responsible for third-party policies or performance. Our platforms may contain links to external websites provided for convenience only.

7. COMMUNICATION DISCLAIMER

By using our services, you consent to receiving communications from us via phone, SMS, email, and other electronic means, even if registered under DND/NDNC. Marketing materials are for informational purposes and subject to final terms and verification.

8. USER RESPONSIBILITIES

You are responsible for:

  • Providing accurate and complete information
  • Maintaining account security and confidentiality
  • Complying with applicable laws
  • Using services for lawful purposes only

9. MODIFICATIONS

We reserve the right to modify our services, terms, and this disclaimer at any time. Significant changes will be communicated through our platforms or direct notification. Continued use constitutes acceptance of modifications.

10. GOVERNING LAW

This disclaimer is governed by Indian laws. Any disputes shall be subject to the jurisdiction of courts in Bangalore, Karnataka.

11. CONTACT INFORMATION

For questions regarding this disclaimer:

Email: support@ltcv.credit

Address: 1st Floor, No.10, 6th Main, 8th B Cross, Jeevan Bheema Nagar, Bangalore, Karnataka – 560075, India

ACKNOWLEDGMENT

By using our services, you acknowledge that you have read, understood, and agree to this disclaimer. You understand the risks associated with financial services and will use our services responsibly.

IMPORTANT: This disclaimer does not affect your statutory rights under applicable laws. If you do not agree with this disclaimer, please do not use our services.

FULL CONTACT DETAILS

LTCV Credit Private Limited

Customer Care:
Email: support@ltcv.credit
Phone: +91 8095203888

Grievance Officer:
Email: grievance@ltcv.credit

Data Protection:
Email: data@ltcv.credit

Registered Office:
1st Floor, No.10, 6th Main, 8th B Cross,
Jeevan Bheema Nagar, Bangalore,
Karnataka, 560075, India

This Disclaimer is effective from 31st July 2025 and supersedes all previous versions.