Terms of Use
Effective 21 September 2026
These Terms of Use apply to JBRBPe, operated by JBRB E-COMMERCE PRIVATE LIMITED. JBRBPe acts as a Lending Service Provider (“LSP”) for Salora Capital Limited (“Salora” or the “Regulated Entity”).
JBRBPe’s role and Salora’s decisions
JBRBPe supports the digital enquiry journey as Salora’s agent. Salora alone assesses eligibility, makes all credit decisions, determines pricing and loan terms, sanctions or declines a loan, and issues the Key Fact Statement (“KFS”), sanction letter and loan agreement. An enquiry through JBRBPe is not a promise or approval of credit.
Fees, disbursal and repayment
You do not pay JBRBPe any fee for its LSP services. Any loan-related fee, charge, interest or penal charge, where applicable, is determined by Salora and must be disclosed in the KFS before you accept a loan. Loan disbursal is made directly by Salora to the borrower’s bank account. Repayments are made directly by the borrower to Salora through the channels stated in the loan documents; JBRBPe does not receive or hold borrower repayments.
Eligibility and contact consent
To submit an enquiry, you must be at least 18 years old, an Indian resident, and able to complete applicable KYC requirements through the authorised process. By sending an enquiry, you consent to JBRBPe and Salora, or their authorised representatives, contacting you about that enquiry by phone, SMS, email or WhatsApp using the contact details you provide. You may ask to stop non-essential follow-up by writing to contact@jbrb.in.
KFS, cooling-off and prepayment
Before you accept a loan, Salora will provide the KFS and loan agreement. The KFS sets out the APR, charges, recovery mechanism, grievance contact and cooling-off period applicable to the offer. During the cooling-off period, you may exit the loan in the manner stated in the KFS. Prepayment and foreclosure are governed by the loan agreement and Salora’s disclosed policy.
Recovery conduct and borrower notice
Any recovery activity is conducted by Salora or an agent authorised by Salora under the applicable loan terms. You will be notified through the authorised process of any appointed recovery agent where required. JBRBPe and Salora do not condone intimidation, harassment, threatening or abusive conduct. Report a concern through the grievance route below.
Fraud awareness and official channels
Use only jbrbpe.in, jbrb.in and saloracapital.com, plus the contact details published on those sites. JBRBPe’s official contact details are contact@jbrb.in and +91 9477742668. Salora’s public support details are connect@saloracapital.com and +91 9289119401. Never share an OTP, password, card PIN, UPI PIN or full bank credentials. JBRBPe does not ask borrowers to pay it a fee or receive repayments on Salora’s behalf.
Website use and intellectual property
Use the website lawfully and do not interfere with its security or availability. The JBRBPe website design, text, branding and software are protected by applicable intellectual-property laws. Salora’s name and logo remain Salora’s property. No licence is granted except for personal, lawful use of this website.
Liability
To the extent permitted by law, JBRBPe is not responsible for a credit decision, loan terms, lender systems, third-party content or indirect loss arising from use of the website. Nothing in these Terms limits a right or liability that cannot lawfully be limited or excluded.
Governing law, jurisdiction and changes
These Terms are governed by the laws of India. Subject to any mandatory law, courts in Nadia, West Bengal have jurisdiction over disputes relating to this website. We may update these Terms when the service, law or lender arrangement changes; the effective date at the top of this page will identify the latest version.
Grievances
Start with JBRBPe at contact@jbrb.in or +91 9477742668. For a loan-related concern, contact Salora at its grievance portal, connect@saloracapital.com or +91 9289119401. Visit the grievance page for the escalation route.