Legal Terms Governing Our Services
Last Updated: January 2024
By accessing and using the Pinnacle Theory website and services, you accept and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.
These terms apply to all users of the website, including visitors, customers, and applicants for financial products.
Pinnacle Theory is a financial services intermediary that facilitates connections between customers and partner banks/NBFCs for property loans and insurance products. We act as a facilitator and advisor, not as a direct lender or insurer.
We provide the following services:
Important: Pinnacle Theory does not directly provide loans or insurance policies. All financial products are provided by our partner banks, NBFCs, and insurance companies, who are the actual lenders and insurers.
To use our services, you must:
When you submit a loan or insurance application through Pinnacle Theory:
Loan approval, interest rates, terms, and disbursement are solely determined by the partner bank or NBFC. Pinnacle Theory does not guarantee loan approval or specific interest rates.
Consultation Fees: Our consultation and advisory services are provided free of charge.
Processing Fees: Partner banks and NBFCs may charge processing fees, administrative charges, and other fees as per their terms. These fees are disclosed during the application process.
Commission: We may receive commissions from partner institutions upon successful loan disbursement or policy issuance. This does not affect the rates or terms offered to you.
You agree to:
All content on this website, including text, graphics, logos, images, and software, is the property of Pinnacle Theory or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.
Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee:
We are not responsible for the products, services, terms, or actions of our partner banks, NBFCs, or insurance companies. Your relationship with these institutions is governed by their respective terms and conditions.
To the maximum extent permitted by law, Pinnacle Theory shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability shall not exceed the fees paid by you to us, if any.
You agree to indemnify and hold harmless Pinnacle Theory, its officers, employees, and partners from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.
We reserve the right to terminate or suspend your access to our services at any time, without prior notice, for any reason, including:
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes constitutes acceptance of the modified terms.
These Terms and Conditions are governed by the laws of India. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.
In case of any disputes or grievances:
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
For questions about these Terms and Conditions, please contact us:
By 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, please do not use our services.