By using the Dream4loans website, you ("User") agree to the terms and conditions outlined below. If you access or use our services in any way—including clicking the “I Accept” button—you are agreeing to this legal agreement. If you do not agree to these terms, please refrain from downloading, installing, or using any of our services. We truly appreciate your cooperation and understanding.
Definitions:
Lender: A bank or Non-Banking Financial Institution (NBFI) partnered with Dream4loans to process, approve, and disburse loans through our platform.
Company / We / Us: "Dream4loans" refers to the registered company with its official address at [Registered Office Address], in accordance with the Companies Act, 2013.
Customer / You / User: Any individual accessing our website or mobile app to explore or use our services.
Loan: The amount borrowed by a customer through our platform, subject to terms and conditions agreed with the Lender.
Loan Agreement: A document—physical or digital—that outlines all terms between the borrower and the lender. This must be signed by both parties.
Outstanding Amount: The total due amount including the principal, interest, and any applicable charges that the borrower must repay as per the agreement.
Platform / Website: The official digital interface of Dream4loans available at [Website Domain Name].
Services: Activities offered by Dream4loans, including loan application support, data verification, and user assistance.
Third-Party Platforms: External services like Facebook, LinkedIn, or similar websites used for login or data retrieval purposes.
User Data: Information shared by users with Dream4loans before, during, or after using our services.
Our Services
To use Dream4loans’ services, you must meet eligibility criteria shown on our website. Acting as a mediator, Dream4loans collects and verifies your information (with your consent) to assist in processing your loan request with our partner Lenders.
You’ll need to register by creating a "User Account" using either our website or a supported Third-Party Platform. During this process, we’ll collect essential information such as name, contact details, bank account info, PAN, credit score, and more.
You must ensure that all information provided is accurate and up to date. We may contact Third-Party Platforms for data updates where required.
Once we verify your details and documents, we may forward your application to the Lender. If the Lender approves, you will be required to sign relevant documents such as the ECS/NACH form, a cheque, or any other necessary paperwork. Upon successful completion, your loan will be disbursed as per the Loan Agreement.
We always act according to your explicit instructions and never process anything without your prior consent. You also authorize Dream4loans to access your credit report, which helps determine your loan eligibility.
Monitoring and Security
We may monitor your use of our platform to ensure proper use and loan repayment. Even if you stop using our services, we may continue this monitoring until the full repayment of your loan.
You are responsible for all activities under your User Account. Dream4loans is not liable for any misuse, conflicts, or losses that result from unauthorized access to your account. Always safeguard your login credentials.
We also reserve the right to reject any application or service request without providing a written reason.
System Requirements
To access our platform smoothly, you should have a compatible device with an active internet connection and basic hardware/software support. This ensures a secure and seamless experience.
Dream4loans retains your data securely so that you don’t need to log in repeatedly. By agreeing to our terms, you give us permission to store, manage, and use your data for authentication and account services.
License
When you use our website, you are granted a limited, non-transferable, non-exclusive, and revocable license to access and use the platform in accordance with these Terms of Use.
Dream4loans is not obligated to provide support or maintenance services, but we aim to ensure a smooth and user-friendly experience.