KLICK NRI Exclusive: Offer Conditions
These conditions apply to the "KLICK NRI Exclusive" benefits shown across klicknri.com, in our emails and on WhatsApp: lower franking charges, lower processing fee, competitive pricing, and doorstep document pickup and attestation in Singapore and Dubai. Wherever you see "KLICK NRI Exclusive offer. Subject to change. *Conditions apply." next to a benefit, these are the conditions.
The benefits are offered by KLICK NOVA CONNECT [suffix] ("KLICK NRI") [and, for the processing fee, by the participating lending partners].
1. Who can get the benefits
1.1 The benefits apply only to loans where you were introduced to the lender by KLICK NRI and the loan is sanctioned and disbursed by one of our participating lending partners [between [start date] and [end date]] (the "Offer Period").
1.2 You must be the borrower or a co-applicant on the loan, and your application must have been registered with KLICK NRI before you applied to the lender [through our website, WhatsApp or an advisor, with a KLICK NRI reference number].
1.3 Eligible products: [home loans, loan against property, plot loans, balance transfer and top-up / list]. [Business loans, working capital and builder / project funding are excluded / included on the terms stated in your engagement letter.]
1.4 Benefits are not available on loans cancelled before disbursement, [loans below ₹[minimum amount]], or [loans where the lender declines to participate in the benefit].
2. Lower franking charges
2.1 Franking is the way stamp duty is paid on your loan documents. Stamp duty itself is set by each state's law and must be paid in full. KLICK NRI cannot reduce it.
2.2 The benefit is that KLICK NRI will [bear / reimburse to you] [the franking service charge / [X]% of the stamp duty and franking cost / up to ₹[cap]] on the loan agreement [and mortgage documents], per loan.
2.3 The benefit is [paid directly to the franking agent at signing / credited to your bank account within [30] days of the first disbursement], after you share the franking receipt. [It is funded by KLICK NRI from its own resources, not by the lender.]
2.4 Any balance of stamp duty and franking cost remains payable by you as required by the applicable state law.
3. Lower processing fee
3.1 The processing fee is charged by the lender, not by KLICK NRI. A lower processing fee means [the participating lender has agreed to charge borrowers introduced by KLICK NRI a reduced processing fee / KLICK NRI will reimburse [X]% of the processing fee up to ₹[cap]].
3.2 The reduction varies by lender, product and loan amount. The processing fee you actually pay will be shown in the lender's Key Fact Statement and sanction letter before you sign. If those documents do not show a reduced fee, [the benefit does not apply / KLICK NRI will reimburse the difference as stated in 3.1].
3.3 [Reimbursements, if any, are paid within [30] days of first disbursement to the borrower's bank account.]
4. Competitive pricing
4.1 We present your case to lenders whose policies fit your country, income and loan, and ask them for their best rate for your profile. This is an effort, not a promise of any particular rate.
4.2 The interest rate is decided only by the lender, based on your credit profile, income, country of residence, the property and the lender's policy. It is shown in the lender's Key Fact Statement and sanction letter.
4.3 "Lowest published rate" in Compare Offers means the lowest published starting rate on our current rate card for that product, as on the date shown. It is not the rate you will necessarily be offered.
5. Doorstep document pickup and attestation
5.1 Doorstep pickup is currently available for addresses in [Singapore] and [Dubai, UAE] [list areas or postcodes covered, if limited] only. Other cities will be announced on this page.
5.2 Attestation means we arrange for your power of attorney and other documents to be notarised and attested [at the Embassy or High Commission of India / Consulate General of India / through the Indian mission's authorised outsourced service provider], as the lender requires.
5.3 KLICK NRI [pays for courier pickup and return within the covered area]. Fees charged by notaries, the Indian mission or its service provider, [and the attestation fee of any government authority], are [paid by you at actual cost / paid by KLICK NRI up to S$[cap] / AED[cap] per loan]. We will tell you the expected cost before booking.
5.4 You remain responsible for signing in person where the notary or Indian mission requires it, and for the accuracy of the documents you give us. We are not responsible for delays or refusals by the notary, Indian mission or courier.
5.5 [The doorstep and attestation service is available free of charge whether or not your loan is finally sanctioned / only if your loan is disbursed through KLICK NRI; otherwise the actual cost is payable.] [Business decision. See internal note.]
6. Validity, changes and withdrawal
6.1 The benefits are valid for applications registered from [start date] to [end date], unless extended on this page.
6.2 KLICK NRI may change or withdraw these offers at any time without prior notice. A change does not affect a benefit already confirmed to you in writing for an application submitted before the change [, provided the loan is disbursed by [date]].
7. Other conditions
7.1 Benefits have no cash value, cannot be transferred, and cannot be exchanged for cash except where a reimbursement is stated above.
7.2 Benefits cannot be combined with [other KLICK NRI offers / referral rewards], unless we say so in writing.
7.3 If a loan is cancelled, or is found to have been obtained using false information, we may recover any reimbursement already paid.
7.4 KLICK NRI decides whether an application meets these conditions, acting fairly and reasonably and in line with these written conditions. If you disagree, you can use our Grievance Redressal process.
7.5 Any benefit we pay may have tax consequences for you in India or where you live. [Counsel / tax adviser to confirm whether TDS applies to reimbursements.]
7.6 These conditions are governed by the laws of India and the courts at [city] have jurisdiction, [subject to your right to use the grievance process].
8. Contact
Questions about these conditions: [email protected] · WhatsApp +91 98337 75562 Grievance Officer: [Name], [email], [phone]
Last updated: [date]