Terms of Use

01 Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the website altuscapital.in (the "Site") and the loan consultancy services provided by Altus Capital Consultancy Pvt. Ltd. ("Altus Capital", "we", "our", or "us"). By using our Site or services, you agree to be bound by these Terms. If you do not agree, please discontinue use.

02 About Altus Capital

Altus Capital is a loan consultancy and Direct Selling Agent (DSA) that helps individuals and businesses connect with appropriate financial products offered by partner banks and Non-Banking Financial Companies (NBFCs).

03 Services We Provide

• Profile assessment and matching with suitable loan products
• Documentation support and pre-application review
• Coordination with banks and NBFCs on your behalf
• Guidance on government subsidy schemes — NEEDS, UYEGP, AABCS, TWEES, MEGP, PMEGP, CLCSS, PMFME, TAHDCO and others
• Post-disbursement support — EMI queries, balance transfer guidance, top-up applications
• EMI calculator and eligibility checker tools, for informational use only

04 Eligibility to Use Our Services

You must be at least 18 years old and legally capable of entering into a contract under Indian law. By using our services, you confirm that you meet this requirement and that you have the authority to share the information you provide.

05 Your Obligations

When using our services, you agree to:

• Provide accurate, complete, and current information
• Submit only genuine documents that belong to you
• Not impersonate any person or misrepresent your identity, income, or credit status
• Cooperate with reasonable requests from us or our partner lenders
• Use the Site lawfully and not attempt to disrupt, hack, or reverse-engineer any part of it

Providing false or misleading information may result in immediate withdrawal of our services and may constitute an offence under Indian law.

06 Service Fees

• Initial consultation is free. You will not be charged for an exploratory conversation, profile assessment, or eligibility check.
• Service fees are payable only after your loan is successfully sanctioned. The exact fee structure depends on the loan product and will be disclosed to you in writing before you commit.
• Government scheme application support may have separate documentation fees, which will also be disclosed in advance.
• All fees are exclusive of GST unless stated otherwise.

We do not charge any hidden, unexpected, or post-disbursement fees beyond what is agreed in writing.

07 Bank and NBFC Relationships

We work with a panel of 20+ banks and NBFCs. Our recommendation of a particular lender is based on your profile, the lender's product fit, and prevailing market terms — not on which lender pays the highest commission.

However, you should know that we may receive a referral fee or commission from the lender upon successful disbursement of your loan. This commission is paid by the lender, not by you, and does not affect our duty to find the best-suited product for your situation.

You remain free at all times to apply directly with any lender of your choice.

08 Intellectual Property

All content on this Site — including text, design, logos, code, illustrations, and the Altus Capital brand — is owned by Altus Capital Consultancy Pvt. Ltd. or its licensors. You may not copy, reproduce, modify, distribute, or use any of this content for commercial purposes without our prior written permission.

09 Limitation of Liability

To the maximum extent permitted by Indian law:

• We provide our consultancy services on an "as is" basis without warranties of any kind, express or implied.
• We are not liable for any decision made by a lender to approve, reject, or modify your loan application.
• We are not liable for changes in interest rates, government scheme rules, subsidy amounts, or eligibility criteria after the time of our advice.
• Our total liability for any claim arising out of our services is limited to the service fee actually paid by you to us.
• We are not liable for indirect, incidental, or consequential losses — loss of profit, opportunity, business interruption, or similar.

10 Indemnification

You agree to indemnify and hold Altus Capital, its directors, employees, and partners harmless from any claim, loss, or expense arising out of your breach of these Terms, your provision of false information, or your misuse of our services.

11 Termination

You may stop using our services at any time. We reserve the right to refuse or terminate services to any user without notice if we suspect fraud, misrepresentation, or any breach of these Terms.

12 Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any dispute arising out of or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts in Trichy (Tiruchirappalli), Tamil Nadu.

13 Changes to Terms

We may update these Terms from time to time. The revised Terms take effect from the "Last Updated" date shown at the top of this page. Continued use of our services after changes are posted constitutes acceptance.

14 Contact Us

Questions about these Terms? Reach us at: