Terms and Conditions

Welcome to Lark Trading and Finance Limited (“Company”, “we”, “our”, “us”). These Terms & Conditions (“T&C”) govern your access to and use of our website www.larktrading.in (“Website”) and all related services offered by us as a Reserve Bank of India (RBI) registered Non-Banking Financial Company (NBFC) and a company listed on the Calcutta Stock Exchange (CSE) and the Metropolitan Stock Exchange of India (MSEI).

  1. I/We hereby confirm that I/We have carefully read, understood, and agree to be bound by all the Terms and Conditions and the Privacy Policy available on the website www.larktrading.in, which governs the use of financing services offered through the platform. If you do not agree, please do not use our website or services.
  2. I/We acknowledge and accept that any loan availed through the said website shall be subject to the terms specified therein, and that larktrading.in (hereinafter referred to as the “Company” or the “Lender”) represents a registered Non-Banking Financial Company (NBFC).
  3. I/We hereby unconditionally accept and agree to be bound by the Terms and Conditions as prescribed by the Company, as may be amended, modified, or updated from time to time at the sole discretion of the Company. I/We further acknowledge and agree that it is my/our responsibility to remain informed of any such amendments or modifications, and I/We shall be deemed to have accepted the revised Terms and Conditions upon continued use of the Company’s services or platform.
  4. I/We acknowledge and agree that the sanction and disbursement of the loan(s) is at the sole and absolute discretion of the Company (hereinafter referred to as the “Lender”) and shall be subject to the execution of all requisite documentation, provision of applicable security (if any), and completion of all other formalities to the satisfaction of the Lender. I/We further understand and accept that the Lender reserves the unconditional right to reject my/our loan application at its sole discretion, without assigning any reason whatsoever, and I/We shall have no right to contest or appeal such decision.
  5. I/We hereby acknowledge and agree that it is solely my/our responsibility to carefully read, understand, and familiarize myself/ourselves with the terms and conditions set forth in the loan documents, including all rights, obligations, and liabilities arising there under as a borrower. I/We further acknowledge that the decision to proceed or not to proceed with availing the loan from the Company shall be made at my/our sole discretion, based on my/our independent and informed assessment of the terms and conditions contained in the said loan documents.
  6. I agree that I shall not copy, reproduce, sell, redistribute, publish, store in a database, display, perform, modify, transmit, license, create derivative works from, transfer, or in any way exploit any part of the information, content, materials, or services available on or through the Company's website, except for content that I may download solely for my own personal, non-commercial use.
  7. I understand and accept that all information submitted by me to Lark Trading and Finance Limited shall be deemed the property of the Company, and the Company shall be free to use any ideas, concepts, know-how or techniques provided by me to Lark Trading and Finance Limited, in any manner whatsoever. On initiating a contact with Lark Trading and Finance Limited I agree to being contacted by the Company or any other entities with whom the Company has entered into an arrangement.
  8. I/We hereby declare that I am/we are citizens of and/or residents in India, and further declare, warrant, and represent that all information, particulars, and details provided by me/us in this application form, as well as in any documents submitted to the Company, are true, correct, and complete in all respects. I/We affirm that I/we possess the legal capacity to enter into contracts under the provisions of the Indian Contract Act, 1872, and that I/we am/are fully competent to avail the services offered by the Company through its website, larktrading.in or otherwise. I/We further confirm that no material information has been withheld or suppressed by me/us. I/We undertake to provide any additional information and/or documentation as may be required by the Company from time to time, at its sole discretion.
  9. I/We acknowledge and agree that the Company reserves the right to retain the photograph(s) and KYC documents and any other document submitted along with loan application and shall not be obligated to return the same to me/us under any circumstances.
  10. I/We hereby confirm that no insolvency proceedings have been initiated against me/us, nor have I/we ever been adjudicated as insolvent. I/We further undertake to promptly inform the Company of any change in my/our occupation, employment, or residential status, and to provide any additional information or documentation as may be required by the Company from time to time.
  11. I/We hereby agree and undertake that the loan amount availed from the Company shall not be used for any speculative, illegal, unlawful, or anti-social purposes.
  12. As a pre-condition for the grant of any loan, advance, or credit facility by the company to me/us, I/We hereby expressly agree and provide consent to Lark Trading and Finance Limited to disclose the following, at its sole discretion and/or as required under applicable law or pursuant to directions from any statutory or governmental authority:
    • Information and data relating to me/us, including details of our directors and group companies (where applicable);
    • Details of any credit facilities availed or to be availed by me/us and
    • Information relating to any default committed by me/us in meeting our obligations. Such disclosure may be made to any third party, including but not limited to credit bureaus, financial institutions, regulatory authorities, and other relevant entities, as deemed necessary by Lark Trading and Finance Limited.
  13. The Borrower hereby agrees and acknowledges that the Company may, as it reasonably deems necessary and appropriate, disclose and furnish the aforementioned information to the Credit Information Bureau (India) Limited (CIBIL) and/or any other credit information agency or authority duly authorized by the Reserve Bank of India. The Borrower further consents to the Company exchanging information relating to the Borrower’s account(s) with other banks, financial institutions, or credit agencies, as may be required from time to time, in accordance with applicable laws, rules, and regulations.

  14. I/We hereby undertake and acknowledge that:
    • For the purpose of evaluating our creditworthiness, the Company is duly authorized to obtain credit information from the Credit Information Bureau (India) Limited (CIBIL) and/or any other credit information agency authorized by the Reserve Bank of India (RBI), in respect of the applicant(s), directors, group companies, and any other individuals associated with the business on whose behalf this loan application is submitted.
    • CIBIL and any such authorized agency may use, process, and store the information and data disclosed by the Company in such manner as they deem appropriate.
    • CIBIL and any such authorized agency may, for consideration, furnish the processed information, data, or products derived there from to banks, financial institutions, credit grantors, or any other registered users, as permitted or specified by the RBI from time to time.
    • For the purpose of verifying KYC data, the company is duly authorized to download KYC records from CENTRAL KYC RECORDS REGISTRY (CKYCR).
  15. I/We hereby authorize the Company to contact me/us through telephone calls, SMS, WhatsApp, email, mobile application notifications, postal mail, or any other mode of communication, for the purpose of providing information related to promotional offers, application status, account details, notices, updates, and other relevant activities or services.
  16. Company makes no warranties about accuracy, reliability, or completeness of Website information. Company is not liable for direct, indirect, incidental, or consequential damages arising from Website use or lending decisions. Liability is limited to the maximum extent permitted by law.
  17. All Website content, logos, trademarks, designs, and software are the property of the Company. Unauthorized copying, reproduction, or distribution is prohibited.
  18. Our website may contain links to third-party sites. We do not endorse, control, or take responsibility for their content or services.
  19. We reserve the right to modify these Terms at any time. Updated Terms will be posted on the Website, and continued use of the Website constitutes acceptance of the revised Terms.
  20. These Terms shall be governed by the laws of India. Courts in Delhi shall have exclusive jurisdiction.