Clause 01
By accessing, browsing, or using this website, submitting an inquiry, registering
your details, uploading documents, or using any RVN AGENCY form or support
channel, you agree to be bound by these Terms & Conditions and all applicable
laws in India.
Your use is deemed acceptance whether interaction is completed directly by you or
through authorized communication channels linked to your request.
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If you do not agree with any part of these terms, you must discontinue use of
the website and associated services immediately.
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Continued browsing, follow-up requests, or re-submission of forms after updates
also constitutes renewed acceptance.
Clause 02
RVN AGENCY operates as a
DSA referral network and financial facilitation brand
that helps users connect with eligible products and institutions through structured
application support.
Our service scope includes, but is not limited to:
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referral and lead facilitation to authorized partner institutions,
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debt management counseling and repayment structuring guidance,
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credit profile dispute assistance and document coordination,
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communication support between user and partner institution during processing.
RVN AGENCY provides facilitation and advisory assistance and does not provide
independent legal, tax, or investment advice unless expressly stated in writing.
Clause 03
RVN AGENCY is
not a bank, NBFC, or direct lender.
We do not disburse funds, underwrite applications, or independently sanction credit
products.
All lending outcomes, including but not limited to approval/rejection, sanctioned
amount, applicable interest rates, processing fees, penalties, EMI schedules,
moratoriums, and tenure are solely determined by the respective
RBI-regulated partner institutions
or other authorized entities.
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RVN AGENCY does not guarantee loan approval, instant sanction, lowest rates, or
product availability.
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Any estimated eligibility shared by us is indicative and subject to partner
verification and internal policy checks.
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Referral commissions, if any, are internal commercial arrangements and do not
alter the institution’s independent approval criteria.
Clause 04
By using RVN AGENCY services, you represent and warrant that:
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you are at least
18 years of age
and legally competent to enter binding agreements;
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all information submitted by you, including personal, employment, financial, and
contact details, is true, complete, and current;
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all KYC documents, bank statements, credit records, and proofs shared are
authentic and lawfully obtained;
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you consent to verification and follow-up communication by RVN AGENCY and
partner institutions through permitted channels.
You acknowledge that inaccurate, outdated, or forged information may lead to
rejection, suspension of facilitation support, reporting to relevant authorities,
and legal action where required by law.
Clause 05
Any DSA or channel partner engagement with RVN AGENCY is on an
independent contractor basis.
Nothing in this relationship creates employment, agency, partnership, or joint
venture rights unless expressly documented.
Partner payouts are
performance-based
and processed only after successful disbursal/activation confirmation as per
partner policy, internal reconciliation, and compliance checks.
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Channel partners must maintain ethical sourcing, transparent communication, and
lawful handling of applicant records.
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Mis-selling, false promises, hidden charges, unauthorized brand usage, or
misleading claims are strictly prohibited.
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RVN AGENCY enforces
zero tolerance
for forged documents, identity manipulation, misrepresentation, or fraud.
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Confirmed violations may result in immediate termination, payout withholding,
blacklisting, and legal proceedings.
Clause 06
Where credit profile support is provided, RVN AGENCY offers advisory and dispute
filing assistance aligned with applicable RBI framework requirements and recognized
credit bureau procedures.
We do not engage in or promote unlawful manipulation of credit records.
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No guarantee is provided for arbitrary score increases.
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No guarantee is provided for deletion of genuine defaults, legitimate DPD
history, or lawfully reportable adverse entries.
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Timelines for dispute closure depend on bureau workflows, lender responses, and
document sufficiency, all of which are outside direct control of RVN AGENCY.
Users remain responsible for timely repayments, dispute evidence accuracy, and all
declarations made to lenders or bureaus.
Clause 07
The RVN AGENCY name, trademarks, logos, website design, text, graphics,
documentation, and service content are protected by applicable intellectual property
laws. Unauthorized copying, reproduction, distribution, modification, or commercial
exploitation is prohibited.
Subject to applicable law, RVN AGENCY shall not be liable for:
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rejection or non-selection by any third-party institution,
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delays in processing, disbursal, verification, or customer communication by
lender/bureau partners,
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website or platform downtime, network failure, external API outages, or
maintenance interruptions,
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indirect, incidental, consequential, or special losses arising from third-party
decisions and events beyond reasonable control.
You agree that your sole remedy for dissatisfaction with website use is to stop
using the platform and formally contact support for clarification.
Clause 08
These Terms & Conditions shall be governed by and interpreted in accordance
with the laws of India.
Any dispute, claim, or legal proceeding arising out of website use, service
facilitation, referral activity, or partner interactions shall be subject to the
exclusive jurisdiction of competent courts at Ernakulam/Kochi, Kerala
.
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Parties may attempt good-faith resolution through support and grievance channels
before initiating formal legal proceedings.
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Failure of informal resolution shall not prejudice any legal rights available
under applicable law.
For policy clarifications, legal notices, or support escalation, please refer to the
contact and grievance channels below.