These Terms and Conditions (“Terms”) govern the use of ProtopFin, an application and platform developed and operated by Protop Consultancy Services Private Limited (“Protop”, “we”, “our”), a loan facilitator, and provide access to loan services through JADS Services Private Limited (“JADS Services”, “Lender”).
JADS Services Private Limited is a registered Non-Banking Financial Company (NBFC), responsible for the processing, approval, and disbursement of loan applications submitted through the ProtopFin platform. By accessing or using the ProtopFin application, you (“User”, “you”, or “your”) agree to comply with and be bound by these Terms.
If you do not agree to these Terms, you should not use the ProtopFin platform or services. These Terms may be updated from time to time, and your continued use of ProtopFin will be deemed acceptance of the updated Terms.
ProtopFin is an application/platform developed and operated by Protop Consultancy Services Private Limited(“Protop”, “we”, “us”).
Protop Consultancy Services Private Limited acts solely as a loan facilitator, assisting in maintaining the app and supporting the loan application process. Protop does not provide loans directly but connects users to JADS Services Private Limited, the official lender.
JADS Services Private Limited is a registered Non-Banking Financial Company (NBFC) and is responsible for the processing, approval, and disbursement of loan applications submitted through ProtopFin.
By using ProtopFin, you acknowledge that Protop Consultancy Services is not the direct lender but is facilitating your loan application with JADS Services, which will evaluate and process your loan request.
By using ProtopFin, you agree to these Terms and Conditions. You confirm that you are legally capable of entering into a binding agreement and are over the age of 18. You also confirm that all information provided by you is accurate, complete, and up to date.
ProtopFin provides a platform through which users can apply for loans from Protop Consultancy Services Private Limited. The services include:
Loan application submission and processing.
Financial, personal, and employment data collection for loan approval.
Communication regarding loan status, payments, and other related services.
The loan services are subject to approval by Protop Consultancy Services Private Limited, and all loan terms (including interest rates, repayment periods, and eligibility) are determined by JADS Services.
User Registration and Account Information
To access the services of Protop Consultancy Services Private Limited, you must create an account and provide the necessary personal, financial, and employment details, including but not limited to:
Name, phone number, email address.
PAN card, Aadhaar card (for identity verification).
Bank account details, income, and employment information.
You agree to provide accurate and complete information. Failure to do so may result in the rejection of your loan application or suspension of your account.
By using ProtopFin, you agree not to:
Use the platform for any unlawful or fraudulent activity.
Violate any applicable laws, rules, or regulations.
Attempt to access, misuse, or harm the security of the ProtopFin platform.
Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.
You also agree not to use the platform for purposes other than applying for and managing loans or engaging in other related financial services offered through ProtopFin.
As part of the loan application and approval process, Protop Consultancy Services Private Limited collects personal, financial, and employment data from you. This data is shared with JADS Services to facilitate the loan process. For details on how your data is collected, stored, and protected, please refer to our Privacy Policy.
Protop Consultancy Services Private Limited and JADS Services take security seriously and use industry-standard encryption and security measures to protect your data. However, no method of electronic storage or transmission is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.
You authorize Protop Consultancy Services and JADS Services to disclose your personal and financial information:
To JADS Services for the purpose of processing and approving your loan.
To regulatory bodies or law enforcement agencies as required by law.
To service providers who assist in processing your loan application or in providing other related services.
Third-Party Services & Indemnification
ProtopFin may link to third-party services, including credit scoring agencies, financial advisory services, or loan insurance providers. These services are provided by third parties and are subject to their own terms and conditions. Protop Consultancy Services Private Limited and JADS Services Private Limited are not responsible for the availability, accuracy, or content of third-party services.
You agree to indemnify and hold harmless Protop Consultancy Services Private Limited, JADS Services Private Limited, and their affiliates from any claims, losses, or damages arising from your breach of these Terms or any applicable law.
Protop Consultancy Services Private Limited and JADS Services will not be liable for any indirect, incidental, special, or consequential damages arising from the use or inability to use the platform, including but not limited to lost profits, data, or goodwill.
Termination, Governing Law, and Changes to Terms
We reserve the right to suspend or terminate your access to the ProtopFin platform if you violate these Terms, engage in fraudulent activities, or if your behavior is deemed harmful to the platform's integrity. Upon termination, you must cease all use of the platform. These Terms are governed by the laws of India, and any disputes will be resolved in accordance with Indian law. We will not be liable for any failure to perform our obligations due to events beyond our reasonable control, including natural disasters, wars, or technical failures. We may update these Terms occasionally, and any changes will be communicated via the ProtopFin platform or app. Continued use of the platform after such changes will constitute your acceptance of the updated Terms.
For any questions regarding these Terms or to request any support, you can contact us at:
Email: support@protopconsultancy.com
Address: PLOT NO.-4, 2ND FLOOR, MINARCH TOWER, Sector 44, Gurgaon - 122003, Haryana, India
Website: www.protopconsultancy.com
Email: team@jadsservices.com
Address: 108 ANSAL BHAWAN, 16, KASTURBA GANDHI MARG, NEW DELHI, Delhi - 110001, India
Website: www.jadsservices.com