Terms and Conditions

Welcome to Next Zen Finance. By accessing our website, mobile application, or using any of our services, you agree to comply with these Terms and Conditions. These terms are designed to govern your relationship with Next Zen Finance and ensure a clear understanding of rights, responsibilities, and obligations. If you do not agree to these terms, you should refrain from using our services.

Next Zen Finance provides business loan services to GST-registered businesses with an active current account. All applicants must provide accurate and valid information during the application process, including identification, business proof, and any additional documents requested by the company. By applying, you confirm that you meet all eligibility criteria and that the information submitted is truthful and complete.

Submitting a loan application with Next Zen Finance does not guarantee approval. Each application undergoes a thorough verification process, which includes checking documents, evaluating creditworthiness, and internal assessments. Next Zen Finance reserves the right to request further information or clarification and makes all decisions regarding loan approval at its sole discretion.

Once a loan is approved, the sanctioned amount will be disbursed to the bank account provided by the applicant. While Next Zen Finance ensures timely processing, the disbursal timeline may vary due to verification checks, regulatory compliance, or bank processing delays. The company is not responsible for any delays caused by external factors beyond its control.

Interest rates, fees, and other charges associated with the loan are communicated at the time of application. Next Zen Finance reserves the right to revise interest rates and fees as per regulatory requirements and internal policies. Borrowers are required to adhere to the repayment schedule and ensure timely payment of EMIs. Late payments may incur additional charges or penalties, and the company reserves the right to take appropriate actions in case of non-repayment.

By using Next Zen Finance’s services, you consent to the collection, storage, and usage of your personal and financial information as described in our Privacy Policy. This information is used strictly for loan processing, regulatory compliance, and service improvement. The company employs strict data protection measures to maintain confidentiality and safeguard user information.

Next Zen Finance endeavors to provide accurate and reliable services, but does not guarantee uninterrupted access or error-free operations. The company is not liable for any indirect, incidental, or consequential losses arising from the use of its services. All content, logos, trademarks, and other intellectual property on the platform belong to Next Zen Finance and cannot be reproduced or distributed without written consent.

These Terms and Conditions are governed by the laws of India. Any disputes or legal matters arising from the use of Next Zen Finance’s services shall be subject to the jurisdiction of the courts located in the applicant’s city of operation. By using the platform, you acknowledge that you have read, understood, and agreed to these terms.