Terms & Conditions – KPMD Sales Pvt. Ltd.

Welcome to www.kpmdsales.com (the “Site”). This website is owned and operated by KPMD Sales Pvt. Ltd. (“we”, “our”, or “us”). By using our Site or services, you agree to these Terms & Conditions (“Terms”). Please read them carefully. If you do not agree, you should stop using our Site.

We may update these Terms at any time. Your continued use of our Site means you accept the latest version.

1. Our Services

Through our website and related platforms, KPMD Sales Pvt. Ltd. provides information and access to financial products and services including (but not limited to) loans, credit cards, and related services.

By submitting your details, you:

• Show interest in the products/services you select.
• Authorize us and our registered partners (such as banks, NBFCs, or financial institutions) to contact you via phone, email, SMS, or WhatsApp.
• Agree to receive service-related messages and occasional promotional updates.

Even if your number is registered under “Do Not Disturb (DND)”, you authorize us to contact you for service-related purposes.

2. Site Access & Usage

We give you a limited, personal license to use our Site. You must not:

• Copy, resell, or misuse content from the Site.
• Upload harmful files, viruses, or unauthorized material.
• Use automated tools (bots, scrapers) to extract data.
• Overload or attempt to bypass security on the Site.

Any misuse of the Site may result in suspension of access and possible legal action.

3. Eligibility

• You must be 18 years or older to use our services.
• Each user can have only one active account.
• Accounts cannot be sold, transferred, or shared with others.

4. Your Account

When creating an account, you agree to:

• Provide accurate and up-to-date information.
• Keep your login details confidential.
• Accept responsibility for all activity under your account.

We reserve the right to suspend or terminate accounts if false or misleading information is provided.

5. Submitted Content

If you share or upload content (such as documents, comments, or feedback), you give us permission to use it for providing services. However:

• You must own the rights to the material you submit.
• You must not post illegal, offensive, or copyrighted content without permission.
• We may remove or refuse content at our discretion.

6. Disclaimers & Limitations

• All services and information on this Site are provided on an “as is” basis without warranties of accuracy or completeness.
• We are not responsible for errors, delays, or third-party issues (such as lender decisions or technical downtime).
• Our liability, if any, is limited to the amount you may have paid to us for services, subject to a maximum of INR 100.

7. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for their content, policies, or services. Accessing such sites is at your own risk.

8. Local Laws & Jurisdiction

Our Site and services are governed by the laws of India. Any disputes will fall under the jurisdiction of the courts in Delhi, India.

9. Intellectual Property

All content, trademarks, and materials on this Site belong to KPMD Sales Pvt. Ltd. or our partners. You may not copy, distribute, or use them without written permission.

10. Communication

By using our Site, you agree to receive communication from us electronically (via email, SMS, WhatsApp, or phone). These communications satisfy any legal requirement of being “in writing.”

11. Indemnity

You agree to protect and hold harmless KPMD Sales Pvt. Ltd. from any claims, losses, damages, or expenses resulting from your use of the Site, violation of laws, or breach of these Terms.

12. Changes to Terms

We may revise these Terms occasionally. Updated Terms will be available on our Site. Continued use of the Site means you accept the changes.

✅ This is the user-friendly Terms & Conditions for KPMD Sales Pvt. Ltd. — clear, professional, and aligned with Indian compliance.