Terms and Conditions

Last Updated: April 1, 2025

Please read these Terms and Conditions ("Terms") carefully before using the Loan Management System ("the Service") operated by our company.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.

1. User Accounts

When you create an account with us, you must provide accurate, complete, and up-to-date information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

2. Loan Applications

By submitting a loan application through our Service, you certify that all information provided is true, accurate, and complete. You authorize us to verify any information you have provided, including conducting credit checks and background verifications as permitted by law.

You understand that submitting an application does not guarantee approval. Loan approvals are subject to eligibility criteria, credit worthiness, and other factors determined by the lending institutions we partner with.

You agree to provide any additional documentation or information requested to process your application in a timely manner.

3. Document Uploads

When uploading documents to our Service, you warrant that you have the legal right to share these documents and that they do not infringe upon the intellectual property rights or privacy of any third party.

You are responsible for ensuring that all uploaded documents are authentic, unaltered, and complete. Submission of fraudulent documents may result in the rejection of your application and potential legal consequences.

We will maintain appropriate security measures to protect your documents, but you acknowledge that no digital transmission or storage system can be guaranteed to be 100% secure.

4. Fees and Charges

Our loan facilitation service may involve fees and charges, which will be clearly disclosed to you before you proceed with any transaction. These may include processing fees, application fees, or third-party charges.

Interest rates and repayment terms are determined by the lending institutions and will be presented to you for review and acceptance before any loan is finalized.

You are responsible for reviewing and understanding all fee structures associated with your loan application and subsequent approval.

5. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy, which can be found at Privacy Policy.

We collect and process personal data in accordance with applicable data protection laws. By using our Service, you consent to such processing and you warrant that all data provided by you is accurate.

We may share your information with lending institutions, credit bureaus, and verification services as necessary to process your application. We may also be required to disclose information in response to legal requests.

6. Communication

By using our Service, you agree to receive communications from us regarding your account, application status, and service updates. These communications may be delivered via email, SMS, or through our Service's notification system.

You have the option to opt out of marketing communications, but you cannot opt out of administrative notifications related to your account or application status.

7. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of our company and its licensors. The Service is protected by copyright, trademark, and other laws.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of our company.

8. Limitation of Liability

In no event shall our company, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

9. Indemnification

You agree to defend, indemnify, and hold harmless our company and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of:

  1. Your use and access of the Service, by you or any person using your account;
  2. A breach of these Terms; or
  3. Your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right.
10. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

13. Contact Us

If you have any questions about these Terms, please contact us:

  • By email: legal@loanmanagement.com
  • By phone: (123) 456-7890
  • By mail: 123 Finance Street, Suite 100, Mumbai, India 400001