1. Eligibility Area 

    You are given loan by our organization Sita Ram Paryavaran Trust in which there is no royalty of SMEs, we are only helping you.


    To get the loan, you have to add at least 2 members like you every month. You cannot add less membership than your membership.


    You can be called at least 2 times every month for any work of the organization. So that the organization can help more and more people.


    You have to do the work of getting at least 10 people to join our social media pages every month.


    The organization will decide in 6 months or after 6 months how much loan is to be given to you. This will be taken on the basis of the contribution made by you to the organization.


    If our organization is unable to complete the loan or you are being treated badly by other banks and non-banking institutions, then your registration fee will be refunded to you.


    You are accepting all these terms. Only then you are entitled to fill the loan application from us, if you have any problem with any such condition then do not log in.


    In any such decision, our organization will not be responsible for refunding any payment made by you.


    You are filling the form for loan while being fully conscious and aware. For which only you will be responsible. In future you cannot take any legal action against any member or organization of Smart Mechanical Engineers and Sita Ram Paryavaran Trust. Our organization is just getting you registered. Our organization is not taking money from you for getting the loan. Therefore, in future you cannot put any condition of taking money from us in the name of getting a loan.


  2. Loan Application and Approval Policy:

  3. Eligibility criteria for loan applications are clearly outlined, including credit score, income requirements, and any specific documentation required. The application submission, review, and approval process is described. Maximum loan amounts, interest rates, and repayment terms are specified. Transparency is ensured by describing how loan decisions are made and the expected timeframe for approval or rejection.

  4. Interest Rate and Fee Policy:

  5. The methodology for determining interest rates based on factors such as credit worthiness, loan type, and market conditions is explained. Any additional fees or charges, such as origination fees or prepayment penalties, are explained.

  6. Examples and scenarios are provided to help borrowers understand the total cost of borrowing. Emphasis is placed on transparency and compliance with usury laws or consumer protection regulations.

  7. Privacy and data security policy:

  8. Address how customer data will be collected, stored, processed, and protected in compliance with relevant data protection laws (e.g., GDPR or CCPA). Describe the measures taken to ensure data security, such as encryption and regular security audits. Outline how customer data will be used, shared (if applicable), and how customers can access or modify their information.

  9. Repayment and default policy:

  10. Clearly explains the repayment options available to borrowers, including automatic deductions, manual payments, and payment schedules. Outlines the consequences of missed or late payments, including potential late fees and impact on credit scores. Describes the steps to be taken in case of loan default, such as collections procedures, potential legal action, and implications for future borrowing.

  11. Customer service and complaint resolution policy:

  12. Defines the channels and methods that will be used. Through which customers can get support, ask questions or make complaints. A dedicated customer support team is established and contact information is provided. The process for addressing and resolving customer complaints is described, including timelines for response and resolution. Its commitment to excellent customer service is highlighted.



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