Terms and Conditions

Last updated: 2 April 2026

These Terms of Service (“Terms”) govern your access to and use of the BS Loan mobile application, website, and related services (collectively, the “Services”). BS Loan is developed and operated by BEAUTIFUL SECURITIES LIMITED. Loan products and related financial services are provided by DEALING BENEFICIAL FINANCIAL SERVICES PVT. LTD., a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). BEAUTIFUL SECURITIES LIMITED acts solely as a technology and information service provider and does not directly engage in lending. All loan approvals and disbursements are independently handled by the aforementioned financial institution. By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

1. Definitions

"BS Loan", "we", "us", or "our" refers to the operator of the BS Loan platform, including its mobile application, website, and related services. BS Loan is a digital lending platform that connects Users with licensed Lenders for loan applications and financial services.

"User", "you", or "your" refers to any individual who accesses, uses, or interacts with the Services provided by BS Loan, whether by submitting loan applications, seeking information, or engaging with the platform in any other way.

"Loan" refers to a credit product offered through the BS Loan platform by a licensed lending institution. The Loan may include personal loans, education loans, or any other credit product available via BS Loan.

“Platform Provider” refers to BEAUTIFUL SECURITIES LIMITED, which develops and operates the BS Loan platform and acts as a technology and information service provider, facilitating connections between Users and Lenders. The Platform Provider does not directly participate in loan approval, disbursement, or funding.

"Lender" refers to a third-party financial institution or regulated entity, including DEALING BENEFICIAL FINANCIAL SERVICES PVT. LTD., an NBFC (Non-Banking Financial Company) licensed by the Reserve Bank of India (RBI), or any other approved Lender who provides loans to Users through the BS Loan platform. The Lender is responsible for the loan application review, approval, and disbursement of funds.

2. Nature of the Service

2.1 BS Loan as a Platform

BS Loan is a digital lending platform designed to facilitate loan applications, connect Users with authorized Lenders, and provide related services. BS Loan itself is not a lender. We act as an intermediary, helping Users apply for loans from regulated financial institutions or other approved Lenders, such as DEALING BENEFICIAL FINANCIAL SERVICES PVT. LTD.

2.2 Loan Approval and Terms

All loan applications submitted through BS Loan are subject to the approval of the relevant Lender. Each Lender has its own internal credit policies, approval criteria, and eligibility requirements, and BS Loan does not have control over the Lender's decision-making process. Loan terms, including interest rates, repayment schedules, and fees, will vary based on the Lender's policies and applicable laws.

2.3 No Guarantee of Loan Approval

BS Loan does not guarantee the approval of any loan application. All loan requests are processed based on the information provided by the User and are subject to the Lender’s review, internal policies, and regulatory requirements. BS Loan makes no representations or warranties regarding the likelihood of loan approval.

2.4 BS Loan’s Role

BS Loan provides access to a variety of loan products from multiple Lenders but does not influence the terms, rates, or approval of any loan. The platform ensures that User data is securely transmitted to Lenders for consideration, but it is the Lender who will ultimately decide on the loan application.

3. Eligibility

To use the Services provided by BS Loan, you must meet the following eligibility requirements:

Age Requirement

You must be at least 18 years old or have reached the legal age of majority in your jurisdiction. If you are not of legal age in your country, you are prohibited from using the Services.

Legal Capacity

You must have the legal capacity to enter into binding contracts. If you are under any legal restrictions or have a history of financial insolvency that affects your ability to legally engage with financial products, you may not be eligible to use the Services.

Accurate Information

You agree to provide accurate, complete, and truthful information when creating an account or submitting a loan application. Any false, misleading, or incomplete information may result in the rejection of your application, suspension of your account, or legal consequences. It is your responsibility to update any changes to your personal information promptly.

Compliance with Laws

You agree to comply with all applicable local, state, national, and international laws, regulations, and guidelines. This includes, but is not limited to, laws related to lending, credit, financial transactions, privacy, and data protection.

Creditworthiness

You understand that, to be eligible for a loan, you may need to meet certain financial criteria established by the Lender, including credit history, income level, and other factors determined by the Lender's internal policies.

Suspension or Termination of Access

BS Loan reserves the right to suspend or terminate your access to the platform at any time, without notice, if you fail to meet these eligibility requirements. If you violate these Terms of Service or engage in fraudulent or illegal activities, BS Loan may take appropriate action, including reporting such actions to authorities.

4. Account Registration and Security

4.1 You may be required to create an account to access certain features.

4.2 You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account.

4.3 You agree to notify BS Loan immediately of any unauthorized use or security breach.

5. Loan Applications

5.1 By submitting a loan application, you authorize BS Loan and its partners to:

• Collect, use, process, and share your personal data for credit assessment, identity verification, fraud prevention, and regulatory compliance;
• Conduct credit checks with authorized credit bureaus or data providers.

5.2 Loan terms, including amount, interest, fees, repayment schedule, and penalties, will be disclosed to you prior to acceptance.

5.3 Once you accept a loan offer, a legally binding agreement is formed between you and the Lender.

6. Fees and Charges

6.1 BS Loan may charge service fees where permitted by law. Any applicable fees will be clearly disclosed before you confirm a transaction.

6.2 Late payment fees, penalty interest, or other charges may apply as stated in your loan agreement with the Lender.

7. Repayment Obligations

7.1 You agree to repay all amounts due under your loan agreement in full and on time.

7.2 Failure to repay may result in:

• Late fees or penalty interest;
• Collection actions in accordance with law;
• Negative reporting to credit bureaus;
• Legal proceedings where applicable.

8. User Conduct

You agree not to:

• Provide false, misleading, or fraudulent information;
• Use the Services for illegal or unauthorized purposes;
• Interfere with or disrupt the operation of the Services;
• Attempt to gain unauthorized access to systems or data.

9. Data Protection and Privacy

9.1 Your personal data will be processed in accordance with our Privacy Policy, which forms an integral part of these Terms.

9.2 By using the Services, you consent to the collection, use, storage, and sharing of your data as described in the Privacy Policy.

10. Intellectual Property

All content, trademarks, logos, software, and materials related to the Services are owned by or licensed to BS Loan and are protected by intellectual property laws.

You may not copy, modify, distribute, or exploit any part of the Services without prior written consent.

11. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, BS Loan disclaims all warranties, express or implied, including fitness for a particular purpose and non-infringement.

12. Limitation of Liability

To the extent permitted by law, BS Loan shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Services.

13. Indemnification

You agree to indemnify and hold harmless BS Loan, its affiliates, officers, and partners from any claims, damages, or expenses arising from your violation of these Terms or misuse of the Services.

14. Suspension and Termination

BS Loan may suspend or terminate your access to the Services at any time if:

• You violate these Terms;
• Required by law or regulation;
• Necessary to protect BS Loan or other users.

15. Amendments

BS Loan may update these Terms from time to time. Updated Terms will be effective upon publication within the app or website. Continued use constitutes acceptance of the revised Terms.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction where the Lender or BS Loan operates, unless otherwise required by mandatory law.

17. Contact Information

If you have any questions or complaints regarding these Terms or the Services, please contact us through the official BS Loan support channels provided in the app or website.

By using BS Loan, you acknowledge that you have read, understood, and agreed to these Terms of Service.