Our Promise to Customers — Service Charter
📌 Official source: current limit, dar, fee aur niyam RBI ke niyam aur lending partner ki current policy ke official portal par dekhein — yeh samay-samay par badalte rehte hain. Yahan sirf process aur documents ki jaankari hai, koi number commit nahi.
Core Promises
1. Aapse koi fee nahi for Users
Kabhi bhi koi user-borne charge nahi. Jaankari, consultation, application help — sabmein koi fee nahi. Lender ke standard charges (jaise processing fee) wahi rate jo direct apply karne par milta.
2. Transparent Information
Generic, jargon-free, Hindi-English mein information. Loan ki real terms ki real exclusions, PG ke real MDR rates — sab clear language mein.
3. No Pressure Sales
User ko decision lene ka full time milega. Hum educate karte hain, push nahi karte. "Limited time offer" pressure tactics nahi use karte. User comfortable hone par hi proceed karte hain.
4. Data Privacy (DPDP Act 2023)
User data ka collection limited, purpose-specific, aur encrypted hota hai. Third-party sale strictly prohibited. User kabhi bhi data deletion request raise kar sakta hai.
5. Hindi-English Support
Chat, phone, email — sab channels par Hindi-English mein support. Complex documents simple language mein explain karne ka commitment.
Customer Rights
| Right | What It Means |
|---|---|
| Right to Information | Saari product details, fees, terms upfront milenge |
| Right to Decline | Kabhi bhi process se withdraw kar sakte hain |
| Right to Privacy | Personal data DPDP Act 2023 ke under protected |
| Right to Grievance | Complaint raise karne ka formal channel available |
| Right to Choice | Multiple lender/product options compare kar sakte hain |
| Right to Verification | Hamari information independent sources se verify kar sakte hain |
Response Standards (Indicative)
- 📞 Initial enquiry: 1-4 working hours
- 📞 Follow-up queries: jaldi (working hours)
- 📞 Document review: 24 working hours
- 📞 Application submission: 48-72 working hours
- 📞 Grievance acknowledgment: 24 hours
- 📞 Grievance resolution: 7 working days
Yeh figures indicative hain — actual timing volume, case complexity, aur lender turnaround ke according vary kar sakti hai.
What We Don't Do
- ❌ Cold calling jab user ne consent nahi diya
- ❌ Personal data third parties ko sell karna
- ❌ Fake testimonials ya manipulated reviews
- ❌ Misleading product comparisons
- ❌ Pressure tactics ya FOMO marketing
- ❌ Guaranteed approval claims (jo possible nahi)
- ❌ Specific bank ka biased promotion
Grievance Resolution
Agar service se unhappy hain, options:
- Chat: +91 98332 16954 (instant escalation)
- Email: info@prowiderkart.com
- Formal Grievance: Grievance Officer page (7 working days response)
FAQs
Kya yeh charter legally binding hai?
Yeh hamare values aur operating standards reflect karta hai. Specific legal terms aur conditions Terms & Conditions page par hain — woh legally binding hain.
Kya hidden charges hote hain?
Nahi. User-borne koi charges nahi hote. Lender ke direct standard charges hote hain (jaise loan processing fee) — woh same rate jo direct apply karne par milta.
Complaint raise karne ka kya tareeka hai?
Chat +91 98332 16954 par direct grievance raise kar sakte hain. Formal grievance Grievance Officer page ke through bhi register kar sakte hain — 7 working days ke andar response dene ki hum poori koshish karte hain.
Kya data sell karte hain?
Nahi. DPDP Act 2023 compliance ke under user data sirf user ke explicit consent aur stated purpose ke liye use hota hai. Third-party sale strictly nahi.
Refund policy kya hai?
Hum users se koi fee nahi lete, isliye refund question nahi aata. Lender ki refund policies unke standard terms ke under aati hain.
Guidance Chahiye? Koi Fee Nahi
Hindi-English mein expert jaankari. Chat pe chat karein — 9 AM se 9 PM.