Terms & Conditions
Terms & Conditions
Welcome to IBEX Finance & Investment Consultancy Private Limited (IBEX FINANCE)
These Terms & Conditions govern the access, usage, and engagement of services offered through our website, digital platforms, consultation channels, and associated financial service operations.
By accessing or using IBEX services, you acknowledge and agree to comply with these Terms & Conditions, applicable laws, regulatory requirements, and our Privacy Policy.
1. Scope of Services
IBEX operates as a financial consultancy and service facilitation organization offering assistance related to:
Retail & Business Loans
Home Loan
Loan Against Property (LAP)
Insurance Solutions
Investment & Wealth Planning
Financial Advisory Services
Banking & NBFC Coordination
IBEX acts as an intermediary and consultancy platform and does not directly provide lending, insurance underwriting, or guaranteed investment products unless explicitly stated.
2. Eligibility & Customer Declaration
By availing our services, the customer confirms that:
All information and documents submitted are true, complete, and legally valid.
The customer is legally competent to enter financial agreements.
No misleading, fraudulent, or unauthorized information has been provided.
The customer authorizes IBEX to coordinate with banks, NBFCs, insurance companies, and financial institutions for processing purposes.
Submission of false information may result in immediate rejection, suspension of services, or legal action wherever applicable.
3. Financial Product Approvals
All approvals, sanctions, interest rates, premiums, investment allocations, tenures, and financial offers are subject to:
Internal verification processes
Eligibility assessment
Credit policies
Risk evaluation
Regulatory compliance requirements
of the respective:
Banks
NBFCs
Insurance Companies
Financial Institutions
IBEX does not guarantee:
Loan approvals
Specific interest rates
Insurance issuance
Claim approvals
Investment returns
Processing timelines
Final discretion remains solely with the concerned institution.
4. Customer Responsibilities
Customers are solely responsible for:
Reviewing financial product terms carefully
Understanding repayment obligations and associated risks
Ensuring timely EMI/payment obligations
Maintaining confidentiality of account credentials and personal information
Verifying policy documents and sanction letters before acceptance
IBEX shall not be liable for losses arising due to customer negligence, misinformation, or non-compliance with financial obligations.
5. Fees & Charges
IBEX maintains a transparent and professional service approach.
Consultation support provided by IBEX may be free of cost in selected services.
Applicable processing fees, legal charges, valuation charges, insurance premiums, GST, or banking charges are determined by the respective financial institutions or partners.
Customers are advised to independently review all applicable charges before proceeding.
6. Confidentiality & Data Protection
IBEX follows strict confidentiality standards and secure handling practices for customer information.
Customer data may be used strictly for:
Financial processing
Verification
Regulatory compliance
Service communication
Risk assessment
Information may be shared only with authorized:
Banking Partners
NBFCs
Insurance Companies
Regulatory Authorities
in accordance with legal and operational requirements.
7. Intellectual Property Rights
All content available on the IBEX website including:
Logos
Brand Identity
Website Design
Text Content
Graphics
Digital Materials
are the exclusive intellectual property of IBEX and may not be copied, reproduced, modified, or distributed without prior written authorization.
8. Limitation of Liability
IBEX shall not be held liable for:
Loan rejection or delayed approvals
Claim rejections by insurers
Financial market fluctuations
Technical interruptions
Banking or third-party operational delays
Investment-related risks or losses
Regulatory changes affecting products/services
Users are advised to independently evaluate all financial decisions before proceeding.
9. Prohibited Activities
Users shall not:
Submit forged or misleading documents
Attempt unauthorized access to systems
Engage in fraudulent activities
Misuse website functionality
Violate applicable laws or regulatory norms
IBEX reserves the right to suspend access, reject applications, or initiate legal proceedings in such cases.
10. Third-Party Associations
IBEX may facilitate services through partnerships with:
Banks
NBFCs
Insurance Providers
Financial Service Platforms
Technology Vendors
IBEX shall not be responsible for policies, decisions, operational failures, or service deficiencies of third-party entities.
11. Amendments & Updates
IBEX reserves the right to revise, amend, or update these Terms & Conditions at any time without prior notice. Updated versions shall become effective upon publication on the official website.
12. Governing Law & Jurisdiction
These Terms & Conditions shall be governed and interpreted in accordance with the laws of India.
Any disputes arising in connection with IBEX services shall be subject to the jurisdiction of competent courts and applicable regulatory authorities.
13. Contact Information
For official communication or clarification regarding these Terms & Conditions, please contact:
IBEX Finance & Investment Consultancy Private Limited
📞 Contact:
📧 Email:
🌐 Website:
IBEX – “Your Trust is Our Identity.”