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Fair Lending and Non-Discrimination Policy

Last update : 30 April 2025

At R3 Consultancy Services, we are committed to providing fair, equitable, and non-discriminatory lending services. Our Fair Lending and Non-Discrimination Policy ensures that all individuals and businesses have equal access to financial products, including loans, regardless of race, color, religion, sex, age, national origin, disability, marital status, sexual orientation, or any other protected characteristic under applicable law.

1.

Equal Opportunity for All Applicants

We believe that everyone should have equal access to loan products. Our services are designed to help individuals and businesses achieve their financial goals, and we strive to ensure that no one is treated unfairly or unequally in the loan application process.

    2.

    Non-Discrimination in Loan Applications

    We do not discriminate against any applicant based on:

    • Race
    • Color
    • National origin
    • Religion
    • Sex (including gender identity and sexual orientation)
    • Age
    • Disability
    • Marital status
    • Any other characteristic protected by law (e.g., veteran status) Our decisions regarding loan applications are based solely on the applicant's financial eligibility, creditworthiness, and the information provided in the application.

    3.

    Compliance with Fair Lending Laws

    R3 Consultancy Services adheres to all relevant federal, state, and local fair lending laws, including but not limited to:

    • Equal Credit Opportunity Act (ECOA) – Ensuring that all loan applicants are treated equally, regardless of protected characteristics.
    • Home Mortgage Disclosure Act (HMDA) – Providing transparency in mortgage lending practices.
    • Fair Housing Act – Prohibiting discrimination in housing-related lending services.

    We are committed to complying with all regulatory requirements and standards to maintain fairness in all aspects of lending.

    4.

    Fair and Transparent Loan Terms

    We are dedicated to providing clear and understandable loan terms for all customers. Loan offers are based on each applicant's financial situation and creditworthiness. We ensure that all terms, interest rates, and fees are transparent, and applicants are fully informed of their obligations before accepting any loan offer.

      5.

      Complaint Resolution

      If you feel that you have been discriminated against or have concerns about how your loan application was handled, please contact us immediately. We will investigate the matter thoroughly and take appropriate action. We are committed to resolving complaints promptly and fairly. To file a complaint, please reach out to us using the contact information below:

      • Email: r3consultancy2021@gmail.com
      • Phone: (+91) 91644 42888 or (+91) 90360 67406
      • Address: No. 40/1, 3rd Main, 5th Cross, Wilson Garden, Bengaluru, Karnataka - 560027

      6.

      Commitment to Continuous Improvement

      At R3 Consultancy Services, we continually review and improve our lending processes to ensure that we are offering the most fair, transparent, and non-discriminatory services possible. We welcome feedback and suggestions from our customers to improve our services.