This Terms & Conditions (“Agreement”) governs your access and use of the Mercflames website (“Platform”). By accessing or using this website, you agree to be bound by these terms, along with our Privacy Policy and Disclaimer.
Mercflames is a Direct Selling Agent (DSA) partnered with RBI-registered banks and NBFCs. We act as an intermediary platform to connect users with financial institutions offering loan and credit-related products. We do not provide loans or financial products directly.
By using this website or submitting your details, you agree to these Terms & Conditions. Continued use of the platform constitutes your acceptance of any updates or modifications.
Mercflames provides access to information and assistance related to financial products including personal loans, business loans, home loans, and other credit facilities offered by partner banks and NBFCs.
All services are provided on a best-effort basis, and users voluntarily choose to proceed with any lender.
By submitting your details, you consent to be contacted by Mercflames and its partner banks/NBFCs via phone calls, SMS, WhatsApp, or email regarding your loan inquiry, even if your number is registered under DND/NCPR.
You must be at least 18 years of age and legally capable of entering into a contract under applicable Indian laws to use this platform.
You agree that Mercflames or its partner lenders may perform KYC (Know Your Customer) verification and request necessary documents as per regulatory requirements, including guidelines under applicable laws such as the Prevention of Money Laundering Act (PMLA).
Mercflames connects users with third-party financial institutions. All loan approvals, interest rates, processing fees, and terms are determined solely by the respective banks/NBFCs.
Mercflames is not responsible for:
All content on this website including text, graphics, logos, and design is owned by or licensed to Mercflames and protected under applicable laws. Unauthorized use is prohibited.
Mercflames shall not be held liable for any direct or indirect loss, damage, or consequences arising from:
All services and information are provided on an “as is” and “as available” basis without any warranties of any kind.
You agree to indemnify and hold Mercflames, its employees, partners, and affiliates harmless from any claims, damages, or liabilities arising from your use of the platform or violation of these terms.
Mercflames reserves the right to modify these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of updated terms.
These terms shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of appropriate courts in India.
Users are advised to read our Disclaimer page for detailed information regarding liabilities, financial decisions, and fraud awareness.
By using this website, you acknowledge that Mercflames is a DSA partner with RBI-registered banks and NBFCs and agree to all terms stated above.
