1. General Agreement
By accessing or using this website, which acts as a financial lead aggregation platform, you agree to be bound by these Terms and Conditions ("T&C"). If you disagree with any part of the terms, you may not access our services. This platform is an **intermediary** and does not provide lending or banking services itself. All loan applications are subject to final approval by our third-party lending partners.
2. Privacy and Data Consent
You acknowledge that by submitting your personal and financial details (e.g., income, existing EMIs, credit score) for eligibility checks, you grant us explicit permission to share this information with our **verified lending partners** and necessary third-party agencies (e.g., CIBIL) to process your application. We commit to protecting your data as outlined in our separate Privacy Policy.
3. Service Disclaimer (No Guarantee)
This platform provides an **indicative eligibility assessment** based on simplified input parameters and general financial norms. It is **not a promise of loan sanction**. Final loan amounts, interest rates, and approval status are solely determined by the lending partner after full documentation and due diligence.
Financial Lead Aggregator Compliance & Self-Safeguarding Pointers
To operate responsibly and mitigate legal/reputational risk, this platform adheres to the following internal and external guidelines for data handling and ethical aggregation:
- Explicit Consent Documentation: We maintain a clear, immutable record (audit trail) of user consent for sharing their **CIBIL/credit report** and personal data with specific lending partners, mandated by RBI Digital Lending Guidelines.
- "No Guarantee" Disclosure: We strictly avoid any language in marketing or on the platform that guarantees loan approval, approval time, or specific interest rates, to prevent claims of **mis-selling**.
- Partnership Transparency: We only aggregate leads for lenders/banks who are **regulated entities (REs)**. The list of potential lending partners is prominently disclosed to the user before submitting the application.
- Data Minimisation: We collect only the **minimum necessary data** required for the initial eligibility check and lead generation, and use **secure, encrypted channels** (SSL/TLS) for transmission.
- Clear Intermediary Status: Our role as a **Digital Lending Aggregator** (a service provider, not a lender) is clearly stated in all communication and on this T&C page to manage user expectations and liability.
- Grievance Redressal: We maintain a visible and accessible **Grievance Redressal Mechanism**, including contact details and escalation paths, to resolve user complaints promptly and transparently.
- Accurate EMI/Rate Presentation: All calculation tools, including the one on our eligibility page, clearly state the **assumptions** (e.g., interest rate, tenure calculation) used and are based on accurate formulas to prevent deceptive practices.
4. Intellectual Property
The content, design, logo, and scripts used on this website are the property of [Your Company Name] and are protected by copyright and intellectual property laws. You may not reproduce, duplicate, copy, sell, or exploit any portion of the service without express written permission.
5. Changes to Terms
We reserve the right to modify or replace these T&C at any time. The date of the last update will be clearly visible. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.
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