Disclaimers, in one place.

Loan facilitation

We are not a lender.

The full disclosure follows. It also appears on our loans page.

1. Who we are

   SP AND SP SERVICE LLP (“SP & SP”), LLPIN ACU-0464, GSTIN 06AFVFS1426A1Z3, registered office in Gurugram, Haryana. SP & SP is not a bank, a non-banking financial company (NBFC) or any other lender regulated by the Reserve Bank of India. It does not accept deposits and does not lend money.

2. Our role

   For loan products, SP & SP acts only as a channel partner, or loan facilitator, for RBI-regulated banks and NBFCs that have engaged us. Our work is limited to understanding your requirement, explaining product features as communicated by the lender, helping you collect and submit your application and documents, and following up with the lender. Before sending your application anywhere, we will tell you the name of the lender it will go to.

3. The lender decides

   Eligibility, sanction, loan amount, interest rate (including the Annual Percentage Rate), fees, tenure and all other terms are decided solely by the lender under its own credit policy. Before you sign, the lender will give you a Key Facts Statement (KFS) and a sanction letter or loan agreement on its own letterhead. Read them carefully. They override anything on this website or said by our team.

4. No guarantee

   Submitting an enquiry does not guarantee approval, any loan amount or any interest rate. We do not publish interest rates or offers on this website.

5. How money moves

   Loans are disbursed by the lender directly into your bank account, and repayments are made directly to the lender. SP & SP never collects EMIs or repayments, never holds your money, and never accepts cash or UPI payments on a lender’s behalf. We will never ask you to pay money to us or to any individual to get a loan approved. If we do separate consulting work for you, the fee is agreed in writing before we start and is never linked to loan approval.

6. Your information

   With your consent, we share the details you give us only with the lender we have named to you, for evaluating your loan request. The lender may obtain your credit report. You can withdraw consent or ask us to delete your data by writing to privacy@spandsp.com. See our privacy policy.

7. Complaints

   Write to our Grievance Redressal Officer at grievance@spandsp.com. We will acknowledge your complaint within 2 working days and respond within 15 days. You can also complain to the lender’s grievance redressal officer, whose details are on the lender’s website and in its loan documents. For a loan, the lender remains responsible for resolving complaints. If the lender rejects your complaint, you are not satisfied with its reply, or it doesn’t reply within 30 days, you can complain to the RBI under the Integrated Ombudsman Scheme at cms.rbi.org.in (opens in a new tab). How to escalate

8. Stay safe

   You can check whether a lending app is linked to a regulated lender on the RBI’s list of Digital Lending Apps deployed by regulated entities, on rbi.org.in (opens in a new tab) under Citizen’s Corner. Report entities illegally accepting deposits on the RBI’s Sachet portal, sachet.rbi.org.in (opens in a new tab), and cyber fraud at 1930 or cybercrime.gov.in (opens in a new tab). More in our fraud advisory.

Summary in Hindi

लोन से जुड़ी ज़रूरी बातें

If the English and Hindi versions differ, the English version applies.

Business funding and partnerships

Our own capital, never the public’s.

SP & SP may, at its sole discretion, invest its own capital in, or enter into strategic partnerships with, a small number of businesses. We do not arrange investment from third parties.

We do not invite, solicit or accept deposits or investments from the public, and we do not offer any scheme with assured returns. We are not a SEBI-registered investment adviser, and nothing on this website is investment advice.

• Sending a proposal creates no obligation on either side.
• Any investment or partnership is subject to due diligence and signed definitive agreements.
• We do not charge founders any fee to review a proposal.
• Please do not send confidential information you are not comfortable sharing at this stage.

Business-finance consulting

Consulting is not investment advice.

Our consulting covers business-finance matters such as loan readiness, project reports, CMA data, working-capital planning and documentation.

It is not investment advice under the SEBI (Investment Advisers) Regulations, 2013, and it is not tax, audit or legal advice unless a qualified professional named in your engagement letter provides it.

Consulting fees, where applicable, are agreed in writing before work starts and are not linked to, and do not guarantee, the sanction of any loan.

Events and artist booking

Nothing is booked until it is signed.

We manage and produce events with our group companies, White and Black Entertainment and Parasvi Events. SP Group of Companies is a group name; each business in it is a separate legal entity.

Artist availability and fees are confirmed only in a signed contract. Naming an artist or a celebrity in an enquiry, or in a conversation with us, is not a promise that they are available, and nothing on this website implies that any particular artist is.

Manpower and job seekers

We never charge job seekers.

Registering your interest does not guarantee a job. Roles, pay and terms are always confirmed in writing before you start.

This website and IT services

General information, and work agreed in writing.

Information on this website

Everything on this website is general information. It is not financial, legal or tax advice, and it is not an offer of a loan, an investment or any other product. Products, processes and regulations change, so please confirm anything important with us, and with the lender or professional concerned, before you act on it.

IT services

Every IT engagement runs on a written scope and quote agreed before work starts. Deliverables, timelines and support terms are the ones in that document.

Platforms we build on or connect to, such as hosting, app stores, payment gateways and messaging services, are run by their own providers under their own terms. Their availability, approvals and changes are outside our control. Security work reduces risk, but no one can promise that a system will never be breached.

Links to other websites

Links to other websites, including our group companies and government portals, are given for convenience. We are not responsible for their content.

Questions

Write to info@spandsp.com. For complaints, see grievance redressal.