Terms and Conditions

1. Acceptance of Terms

By accessing our website and using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.

2. Services Offered

BT Finance is a Non-Banking Financial Company (NBFC) offering various financial products and services including but not limited to Commercial Vehicle Loans, Car Loans, Tractor Loans, Construction Equipment Loans, E-Rickshaw Loans, Loans Against Property, and Secured Business Loans.

The actual terms of any loan or financial service will be provided in separate loan agreements and documentation. Nothing on this website constitutes a binding offer for any specific loan product or service.

3. Eligibility

To apply for our financial services, you must:

• Be at least 18 years of age
• Be an Indian citizen or resident
• Have a valid identity and address proof
• Meet our credit criteria and documentation requirements
• Fulfill any other specific requirements mentioned for individual loan products

4. Application Process

When you apply for any of our financial services, you agree to provide accurate, current, and complete information. We reserve the right to verify any information you submit and to decline any application without providing reasons, at our sole discretion.

5. Interest Rates and Fees

The interest rates, processing fees, and other charges applicable to our financial products are determined based on our internal policies, prevailing market conditions, and regulatory guidelines. These may vary from time to time and from customer to customer based on various factors.

All applicable fees and charges will be clearly disclosed to you before the finalization of any loan agreement. You will be required to expressly agree to these charges before proceeding.

6. Repayment

You are required to repay your loan as per the repayment schedule provided in your loan agreement. Failure to pay installments on time may result in late payment charges and could negatively impact your credit score. Persistent default may lead to collection proceedings as per applicable laws.

7. Prepayment and Foreclosure

Our loans may allow partial prepayment or full foreclosure, subject to the terms mentioned in your loan agreement. Prepayment or foreclosure charges, if applicable, will be as per your loan agreement and in compliance with regulatory guidelines.

8. Website Usage

The content on our website is for general information purposes only. While we strive to provide accurate information, we make no representations or warranties regarding the accuracy, completeness, or reliability of any information on the website.

You agree not to:

• Use the website for any illegal purpose
• Attempt to gain unauthorized access to any part of the website
• Interfere with the proper functioning of the website
• Copy, modify, or distribute content from the website without our permission
• Use any automated means to access or scrape data from the website

9. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of BT Finance and is protected by applicable intellectual property laws. You may not use, reproduce, or distribute any content from our website without our prior written permission.

10. Privacy

Your privacy is important to us. Please refer to our Privacy Policy to understand how we collect, use, and protect your personal information.

11. Limitation of Liability

BT Finance, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of our website or services, to the extent permitted by law.

12. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our website or services after any such changes constitutes your acceptance of the new Terms and Conditions.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in [City], India.

14. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us at: