Terms & Conditions

Last Updated: 21 September 2026

These Terms & Conditions govern your access to and use of the website, digital platforms, technology solutions and services provided by NeoSaturn BFSI Technologies Private Limited.

User Agreement – Terms and Conditions of Use

These Terms & Conditions (“Terms”) govern your access to and use of neosaturn.in, together with any related websites, digital platforms, applications, products, technology solutions and services made available by NeoSaturn BFSI Technologies Private Limited (“NeoSaturn”, “Company”, “we”, “us” or “our”).

By accessing or using our website or any service for which acceptance of these Terms is required, you acknowledge that you have read and understood these Terms and agree to comply with them.

If you do not agree with any provision of these Terms, you should discontinue your use of the applicable website or service.

These Terms should be read together with our Privacy Policy, Cookie Policy, Disclaimer, Data Security Policy, Grievance Redressal Policy and any additional terms, notices or agreements applicable to a particular service.

Where a financial product or service is provided by a bank, NBFC, lender, insurer, payment service provider or another regulated financial institution, the terms and conditions, agreements and disclosures of that institution will also apply to the relevant product or service.

Our services are subject to applicable laws, regulations, governmental notifications and regulatory requirements applicable to the nature of the services being provided.

NeoSaturn may revise these Terms from time to time. Updated Terms will be published on this page together with the applicable revision date. Where required by applicable law, we may provide additional notice of material changes.

1. Scope of Services

NeoSaturn BFSI Technologies Private Limited operates as a technology and financial-services platform. Depending on the applicable product or service, NeoSaturn may provide technology, information, comparison, facilitation, digital application, customer-support or other BFSI-related services.

Our services may include:

Information Services: Providing information relating to financial products, financial services, lenders, banks, NBFCs, insurance providers, payment services and other BFSI products.
Technology Services: Providing digital platforms, software solutions, technology infrastructure, application interfaces, customer-support tools and other technology-enabled services.
Financial Product Facilitation: Where applicable, providing technology or facilitation services that enable users to discover, compare or apply for financial products offered by third-party financial institutions.
Third-Party Services: Displaying or facilitating access to products or services that may be provided, approved, sanctioned, issued or serviced by third-party institutions.

Unless expressly identified otherwise, NeoSaturn does not itself sanction, issue or disburse a financial product merely because that product is displayed, compared or facilitated through our platform.

2. Eligibility

You must be legally capable of entering into a binding agreement under applicable law to use our services.

By using the website or applicable services, you represent that:

The information provided by you is accurate and complete.
You are using the services for lawful purposes.
You have the legal capacity required to enter into the relevant agreement.
You will comply with applicable laws and regulations.
You will not use another person’s identity or credentials without authorization.

NeoSaturn may restrict or terminate access where information provided by a user is materially inaccurate, fraudulent, misleading or otherwise unlawful.

3. User Registration and Information

Certain services may require you to create an account, submit an enquiry, complete an application or provide information.

You agree to provide accurate, complete and current information and to update such information where reasonably necessary.

Depending on the service requested, information may include:

Name
Mobile number
Email address
Date of birth
Residential information
Employment information
Income information
Identification information or documents
Financial information
Other information reasonably required for the relevant service

You are responsible for the accuracy of information submitted through our website or platforms.

NeoSaturn may request additional information or supporting documentation where reasonably required to provide, verify or facilitate a service.

If information supplied by you is inaccurate, incomplete, fraudulent or misleading, NeoSaturn may restrict, suspend or terminate access to the relevant service, subject to applicable law.

4. Financial Product Applications

Where NeoSaturn facilitates access to a financial product, the applicable bank, NBFC, lender, insurer, payment service provider or other regulated entity may independently assess the application.

NeoSaturn does not guarantee:

Approval of any loan, credit facility or other financial product.
A particular interest rate or fee.
A particular loan amount or credit limit.
A particular tenure or repayment schedule.
Acceptance of an application.
Disbursement or issuance of a financial product.

Eligibility, interest rates, fees, charges, tenure, limits, repayment schedules and other commercial terms may be determined solely or independently by the applicable financial institution.

The final terms offered to a customer may differ from indicative information displayed on NeoSaturn.

Submission of an application, enquiry or personal information through NeoSaturn does not constitute approval, sanction or disbursement of a financial product.

The applicable financial institution remains responsible for its own credit assessment, underwriting, approval, sanction, documentation, issuance and disbursement decisions.

Customers should carefully review the applicable loan agreement, sanction letter, Key Fact Statement, policy document, product disclosure or other applicable documentation before accepting a financial product.

5. Third-Party Financial Institutions

NeoSaturn may work with or provide information relating to banks, NBFCs, lenders, insurers, payment providers, fintech companies and other third-party service providers.

Unless expressly stated otherwise, NeoSaturn is not the provider, lender, insurer or issuer of a third-party financial product merely because that product is displayed, compared or facilitated through our platform.

The relationship between a customer and a third-party financial institution may be governed by separate terms, agreements, policies and disclosures provided by that institution.

Where a user proceeds with a third-party product or service, the user should review the applicable terms and disclosures issued by the relevant provider.

NeoSaturn does not control the underwriting policies, approval criteria, pricing decisions, product availability or contractual terms of independent third-party financial institutions.

6. Accuracy and Availability of Information

NeoSaturn makes reasonable efforts to provide useful, accurate and current information.

However, financial product information, interest rates, fees, eligibility requirements, offers, limits, availability and other commercial terms may change from time to time.

Information displayed on the website may therefore be indicative and should not be treated as a guarantee that a particular product, rate, fee, offer or approval will be available to every user.

While we endeavour to keep information current, there may be a delay between a financial institution changing its product terms and those changes appearing on NeoSaturn.

In the event of any difference between information displayed on NeoSaturn and the official terms communicated by the relevant financial institution, the official terms of the applicable institution will govern the relevant financial product or service.

Users should independently review the latest official terms, disclosures and documentation issued by the relevant financial institution before making a financial decision.

7. User Responsibilities

By using our website and services, you agree:

To provide accurate and lawful information.
Not to impersonate another person or entity.
Not to use the website or services for unlawful, fraudulent or abusive purposes.
Not to submit false, misleading or unauthorized applications.
Not to attempt to gain unauthorized access to our systems, accounts or infrastructure.
Not to interfere with the security, availability or operation of our website or services.
Not to introduce malicious software, code or files.
Not to misuse information obtained through our services.
Not to infringe the intellectual property or other legal rights of NeoSaturn or third parties.
To comply with applicable laws and regulations while using our services.

You are responsible for maintaining the confidentiality of any account credentials issued to you and for activities carried out using your authorized account, subject to applicable law.

8. Privacy and Data Protection

Your use of our website and services may involve the collection, use, storage, processing and sharing of personal data.

NeoSaturn processes personal data in accordance with its Privacy Policy, the Digital Personal Data Protection Act, 2023, applicable rules and regulations, and other applicable data-protection and information-security requirements, to the extent applicable and in force from time to time.

Depending on the service requested, personal data may be processed for purposes including:

Account creation and management
Identity and information verification
Application processing
Fraud prevention and security
Customer support
Service delivery
Communication
Regulatory and legal compliance
Improving our products and services
Other purposes described in our Privacy Policy or applicable privacy notice

Where necessary to provide or facilitate a third-party financial service, personal data may be shared with banks, NBFCs, lenders, insurers, payment service providers, technology providers, verification providers or other authorized third parties, subject to applicable law and the applicable privacy disclosures and consent requirements.

NeoSaturn may retain information for the period reasonably necessary to fulfil the purposes for which it was collected, comply with legal or regulatory obligations, resolve disputes, enforce agreements and protect its legitimate interests, subject to applicable law.

Please review our Privacy Policy for detailed information regarding the categories of personal data processed, purposes of processing, data sharing, retention, security measures and rights available to individuals under applicable law.

9. Cookies and Similar Technologies

NeoSaturn may use cookies, pixels, analytics tools and similar technologies to operate, secure, analyze and improve its website and services.

These technologies may be used for purposes such as:

Website functionality
Security
Performance monitoring
Analytics
User preferences
Improving user experience
Measuring the effectiveness of communications or services

Additional information regarding cookies and similar technologies is provided in our Cookie Policy.

10. Intellectual Property

Unless otherwise stated, the content, design, branding, logos, graphics, software, text, images, databases and other materials available on neosaturn.in are owned by or licensed to NeoSaturn BFSI Technologies Private Limited.

You may access and use the website and its content for lawful purposes in accordance with these Terms.

Except where permitted by applicable law or with prior written authorization from NeoSaturn, you may not:

Reproduce or copy substantial portions of our content.
Modify or create derivative works from our materials.
Distribute or commercially exploit our content.
Sell, license or redistribute our materials.
Reverse engineer our software or technology.
Remove proprietary notices or branding.
Use NeoSaturn’s trademarks or branding without authorization.

Nothing in these Terms transfers ownership or intellectual property rights from NeoSaturn to you.

11. Third-Party Links and Services

Our website may contain links, advertisements, integrations or references to third-party websites, applications, products or services.

NeoSaturn does not control third-party websites and, unless expressly stated otherwise, is not responsible for their content, privacy practices, availability, security, accuracy or terms.

Your interaction with a third-party website or service may be governed by that third party’s own terms, privacy policy and other applicable conditions.

You should review the relevant third party’s policies before submitting information or entering into a transaction with that provider.

12. Disclaimers and Limitations

NeoSaturn provides technology, information and facilitation services.

Unless expressly stated otherwise, we do not guarantee the approval, availability, pricing, eligibility or acceptance of any financial product displayed through our platform.

The website and services are provided on an “as is” and “as available” basis to the extent permitted by applicable law.

We do not guarantee that:

The website will always be available.
Services will be uninterrupted.
Information will always be error-free.
The website will be free from technical issues.
A particular financial product will remain available.
A user will qualify for a particular financial product.
A financial institution will approve an application.

Information made available through the website is provided for general informational and facilitation purposes.

Users remain responsible for evaluating whether a financial product or service is appropriate for their circumstances and should review official documentation provided by the relevant financial institution before entering into a financial transaction.

Nothing on this website should be interpreted as personalized financial, investment, legal, tax or professional advice unless expressly stated otherwise.

13. Financial Risk Disclosure

Financial products and services may involve financial obligations, costs and risks. The nature and level of risk vary depending on the particular product or service.

Borrowing money creates repayment obligations and may involve interest, processing fees, late-payment charges, penalties and other costs.

Before accepting a financial product, you should carefully review the applicable terms, charges, repayment obligations, Key Fact Statement, sanction letter, policy wording, risk disclosures and other documentation provided by the relevant financial institution.

Where appropriate, users should consider obtaining independent professional advice before entering into a financial transaction.

14. Suspension or Termination

NeoSaturn may suspend, restrict or terminate access to its website or applicable services where reasonably necessary for:

Security or maintenance.
Prevention or investigation of suspected fraud.
Violation of these Terms.
Protection of users or third parties.
Compliance with applicable law or regulatory requirements.
Protection of NeoSaturn’s systems, infrastructure or legitimate interests.

Users may stop using the website or services at any time.

Termination or suspension of access will not affect rights or obligations that by their nature are intended to survive termination.

15. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless NeoSaturn BFSI Technologies Private Limited, its directors, officers, employees, representatives and service providers from claims, losses, liabilities, damages, costs and reasonable expenses arising from:

Your unlawful use of the website or services.
Your violation of these Terms.
Your fraudulent or misleading information.
Your misuse of our services.
Your infringement of the rights of NeoSaturn or a third party.
Your violation of applicable law.

This provision will apply only to the extent permitted by applicable law.

16. Limitation of Liability

To the maximum extent permitted by applicable law, NeoSaturn shall not be liable for indirect, incidental, consequential, special or punitive damages arising from or relating to your use of, or inability to use, the website or services.

NeoSaturn shall not be responsible for losses arising solely from:

Decisions made independently by third-party financial institutions.
Rejection or non-approval of a financial application.
Changes in financial product terms by a third-party provider.
Unavailability of a third-party financial product.
Acts or omissions of independent third-party service providers.
Events beyond NeoSaturn’s reasonable control.

Nothing in these Terms shall exclude or limit liability that cannot lawfully be excluded or limited under applicable law.

17. Changes to Services

NeoSaturn may add, modify, suspend or discontinue any feature, product, service or functionality of the website from time to time.

We may also update our services, policies and related disclosures in response to changes in our business operations, technology, applicable law or regulatory requirements.

Where appropriate, material changes may be communicated through the website or other suitable channels.

18. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India, subject to applicable statutory and regulatory requirements.

Subject to applicable law, disputes arising out of or relating to these Terms or the use of NeoSaturn’s website or services shall be subject to the jurisdiction of the competent courts having jurisdiction over the registered office of NeoSaturn BFSI Technologies Private Limited.

Nothing in this section limits any statutory right or remedy available to a consumer or user under applicable law.

19. Grievance and Customer Support

If you have a question, complaint or grievance regarding NeoSaturn’s website or services, you may contact our customer support or designated grievance contact using the contact details published in our Grievance Redressal Policy.

NeoSaturn will acknowledge, review and endeavour to resolve complaints within the timelines specified in its Grievance Redressal Policy and applicable law.

Where a complaint concerns a financial product or service provided directly by a bank, NBFC, lender, insurer, payment service provider or other regulated financial institution, the complaint may also need to be addressed through that institution’s prescribed grievance-redressal mechanism.

Where appropriate, NeoSaturn may assist the customer in identifying the relevant service provider or grievance channel.

For complaints relating specifically to NeoSaturn’s own website, technology platform or services, users should use the contact information provided on our official website.

20. Contact Information

NeoSaturn BFSI Technologies Private Limited

Website:
https://neosaturn.in

Email:
contact@neosaturn.in

Customer Support:
9218182721

Grievance Contact:
Please refer to our Grievance Redressal Policy for the applicable grievance contact and escalation process.

For privacy-related requests, complaints, legal notices or other enquiries, users may contact NeoSaturn using the official contact details published on the website.

21. Severability

If any provision of these Terms is determined by a court or competent authority to be invalid, unlawful or unenforceable, that provision shall be interpreted or modified to the extent necessary to make it enforceable, where legally permissible.

If such modification is not possible, the affected provision shall be severed to the extent necessary, and the remaining provisions of these Terms shall continue in full force and effect to the extent permitted by law.

22. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, Disclaimer, Data Security Policy, Grievance Redressal Policy and any additional terms, notices or agreements applicable to a particular service, constitute the applicable agreement governing your use of the relevant NeoSaturn website and services.

Where a separate agreement is entered into between you and a third-party financial institution, the terms of that separate agreement will govern the relevant financial product or service.

23. Acceptance of Terms

By accessing or using the services made available through neosaturn.in, you acknowledge that you have read and understood these Terms and, where acceptance is required for a particular service, agree to be bound by them.

If you do not agree with these Terms, you should not use services for which acceptance of these Terms is required.

For specific applications, transactions or services, NeoSaturn or the applicable service provider may require you to provide additional affirmative consent or accept separate terms before the service is provided.