1. Introduction

Welcome to Cheema Capital. By accessing our website and using our loan, insurance, and credit services, you agree to comply with these Terms and Conditions. If you do not agree, please do not use our services.

2. Eligibility

• Applicants must be 18 years or older.
• Loan approval is subject to creditworthiness, financial background, and verification.
• Providing false or misleading information may result in legal action.

3. Loan Services

• Loan amounts, interest rates, and repayment terms are based on applicant eligibility.
• Late payments may attract penalties, higher interest rates, or legal consequences.
• Prepayment of loans may be subject to processing fees.

4. Insurance Services

• Insurance policies are issued based on the terms and conditions of respective insurers.
• Claim settlements depend on policy guidelines and required documentation.
• Cheema Capital is not liable for claims denied by the insurance provider.

5. Credit Services

• We provide guidance on credit scores but do not guarantee specific improvements.
• Users must ensure the accuracy of their financial data before submitting.

6. Privacy Policy

• We value your privacy and ensure that your personal and financial information is protected.
• Your data will only be shared with authorized financial institutions with your consent.

For more details, please refer to our Privacy Policy.

7. Limitation of Liability

• Cheema Capital is not responsible for third-party actions, system failures, or financial losses.
• Users are advised to read loan and insurance agreements carefully before signing.

8. Modifications to Terms

• Cheema Capital reserves the right to update these terms at any time. Continued use of our services means you accept the latest terms.

9. Contact Information