Disclaimer

1. Intermediary & Loan Distribution Status

NB Capital (accessible via https://nbcapital.co.in) acts solely as an independent financial intermediary, loan distribution channel, and coordination desk connecting prospective borrowers with regulated commercial banks, Non-Banking Financial Companies (NBFCs), Housing Finance Companies (HFCs), and institutional credit providers (collectively referred to as “Lending Partners”).

Neither the information provided on this platform nor any communication from our representatives should be construed as an offer to lend money, an issuance of credit, or a formal sanction of financial facilities.

2. Absolute Disclaimer of Guarantees

NB Capital expressly disclaims all warranties, guarantees, and assurances of any kind, whether express, implied, or statutory. In particular, we make no representation, warranty, or guarantee regarding:

• Loan Approvals & Sanctions: We do not guarantee that any enquiry or application submitted through this website or our desk will be approved, sanctioned, or accepted by any Lending Partner.
• Loan Amounts & Terms: We do not guarantee that an applicant will receive the requested loan amount, loan-to-value ratio, tenure, or repayment schedule.
• Interest Rates & Pricing: Interest rates, annual percentage rates (APR), spreads, processing charges, administrative levies, prepayment charges, and stamp duty are determined solely by the respective lender based on their internal risk assessment, credit scoring, market fluctuations, and RBI directives. Any figures displayed on this website are illustrative benchmarks only.
• Processing Timelines: Processing, verification, property valuation, legal scrutiny, and disbursement timelines vary substantially depending on customer profile, documentation, third-party vetting, and lender queues. NB Capital does not guarantee any turnaround time.
• Universal Availability: Financial products are subject to lender geographic availability, property title verification, legal search reports, customer credit bureau standing (CIBIL/Experian), and regulatory compliance.

3. No Financial, Legal, Tax, or Investment Advice

The content, articles, blogs, market commentaries, FAQs, and comparison tables provided on this website are compiled for general informational, educational, and convenience purposes only.

Nothing contained on this website constitutes professional financial advice, investment advisory services, legal guidance, tax consultancy, or credit counseling. Users must exercise their own independent prudence and consult certified chartered accountants, advocates, tax advisors, or financial planners before entering into binding credit contracts or financial liabilities.

4. Calculators, Tools & Indicative Figures

All online financial calculators provided on this platform, including but not limited to the Home Loan EMI Calculator, Personal Loan Calculator, Business Loan Estimator, and Loan Against Property Calculator, rely upon mathematical formulas and user-input parameters.

Calculated results, amortization charts, and estimated EMIs are purely indicative approximations. Actual loan terms, EMIs, broken-period interest, insurance premiums, applicable taxes, and repayment schedules will be governed strictly by the formal sanction letter and loan agreement issued by the chosen lending institution.

5. Third-Party Lending Institutions & External Links

All trademarks, logos, service marks, and brand identities of partner banks, NBFCs, and financial institutions referenced on this website remain the intellectual property of their respective owners. Their display does not imply ownership, endorsement, or direct sponsorship by those institutions unless expressly formalized through written channel partner agreements.

This website may contain hyperlinks leading to external portals operated by third-party lenders, credit bureaus, or government agencies. NB Capital exercises no editorial, managerial, or operational control over third-party platforms and disclaims all liability for their content, privacy policies, terms, or operational performance.

6. Fraud Prevention & No Upfront Guarantee Fees

NB Capital strictly adheres to ethical distribution practices. We do not collect cash, upfront guarantee deposits, or unauthorized approval commissions from borrowers in exchange for guaranteed loan sanctions.

Borrowers are advised never to transfer funds to individual personal bank accounts. Official lender application and processing fees, if applicable, are payable directly to the respective regulated Bank/NBFC through their designated official payment gateways or cheques made out to the institution. NB Capital is not responsible for any financial loss incurred due to transactions with unauthorized impostors.

7. Limitation of Liability

To the maximum extent permissible under applicable Indian law, NB Capital, its proprietors, partners, directors, executives, employees, contractors, and affiliates shall not be liable for any direct, indirect, punitive, incidental, special, exemplary, or consequential damages whatsoever, including without limitation:

• Any loan rejection, delay in processing, cancellation, or alteration of sanction terms by any lending institution.
• Loss of profits, revenue, contracts, business opportunities, anticipated savings, data, or goodwill.
• Inaccuracies, technical glitches, typographical errors, server downtime, virus transmissions, or website interruptions.
• Decisions taken or commitments made by the user in reliance upon figures, estimates, or content displayed on this website.

8. Governing Law & Exclusive Ahmedabad Jurisdiction

This Disclaimer, its validity, interpretation, and all matters or disputes arising out of or relating to your access or usage of this website, shall be exclusively governed by and construed in accordance with the laws of the Republic of India, without regard to conflict of law principles.

9. Contact & Legal Notices

For legal notices, clarifications, or questions concerning this Disclaimer, please communicate in writing to: