Terms of Service

Indiloan is a matchmaking and lead-generation platform that helps you discover and compare indicative loan offers from banks and NBFCs. We are not a lender. We do not grant, approve, disburse, or service loans, and we do not guarantee that any lender will make you an offer or approve a loan.

Any loan, its terms, approval, and disbursal are entirely between you and the lender you choose. Indicative offers shown on Indiloan are not binding commitments by any lender and may change after verification.

• "Platform" means the Indiloan website, applications, and related services.
• "You" / "User" means a loan seeker or other person using the Platform.
• "Lender" means a bank or NBFC that participates on the Platform.
• "Indicative offer" means a non-binding, illustrative offer shown for comparison only.

You must be at least 18 years old, a resident of India, and capable of entering into a binding contract under Indian law to use Indiloan. You agree to provide accurate, current, and complete information.

You are responsible for keeping your account credentials secure and for activity under your account. Tell us promptly if you suspect any unauthorised use. We verify your mobile number by OTP and may require email verification. You must not share your account or let anyone else use it.

You browse offers anonymously. Lenders see an anonymized version of your profile and may submit indicative offers. Only when you choose a single lender do we share your identity and documents — with that one lender, watermarked. You are never obliged to choose any lender, and choosing a lender on Indiloan does not by itself create a loan.

You agree that you will:

• Provide truthful and accurate information and documents.
• Use Indiloan only for lawful purposes and your own genuine loan requirements.
• Not impersonate anyone or submit another person’s data without authority.
• Not upload anything unlawful, infringing, or malicious.
• Not attempt to disrupt, reverse-engineer, scrape, data-mine, or otherwise misuse the Platform.

By registering, you agree that we (and, after you choose them, the lender you select) may contact you about your applications and offers by email, SMS, or in-app messages. These service messages are part of using the Platform. Any marketing messages are optional, and you can opt out of them at any time.

Indiloan is free for loan seekers. You pay us nothing. Lenders pay subscription fees (and, where applicable, agreed success fees) to participate. Any fees a lender charges you for a loan (such as processing fees) are set by that lender, not by Indiloan.

Indiloan is not responsible for the acts, omissions, products, decisions, interest rates, or conduct of any lender or third-party verification partner. Your dealings with a lender — including the loan agreement, sanction, and disbursal — are solely between you and that lender. Please review their terms carefully before you commit.

The Indiloan name, logo, design, text, and other content are owned by us or our licensors and are protected by law. You may not copy, reproduce, modify, distribute, or use them without our written permission.

Indiloan is provided "as is" and "as available". Indicative offers, EMIs, eligibility estimates, and any suggestions or "best fit" highlights are for information only — they are not financial, legal, or tax advice, and they are not a guarantee of approval or terms. Always verify final terms directly with the lender before deciding. We do not warrant that the Platform will be uninterrupted or error-free.

To the maximum extent permitted by law, Indiloan is not liable for indirect, incidental, special, or consequential losses, or for any loan decision made by a lender, arising from your use of the Platform or your dealings with any lender. [Final liability cap and wording to be set by legal review.]

You agree to indemnify and hold Indiloan harmless from claims, losses, and expenses arising out of your breach of these terms, your misuse of the Platform, or any false or misleading information you provide.

We may update these terms or the Platform from time to time; continued use after an update means you accept the revised terms. We may suspend or terminate accounts that breach these terms or the law. You may stop using Indiloan and request deletion of your data at any time.

We are not responsible for any failure or delay caused by events beyond our reasonable control, including internet or infrastructure failures, outages of third-party services, acts of government, or natural events.

If any part of these terms is found unenforceable, the rest continues to apply. These terms, together with our Privacy Policy, form the entire agreement between you and Indiloan regarding the Platform. Our failure to enforce a term is not a waiver of it.

These terms are governed by the laws of India. Subject to applicable law, disputes will be resolved by the courts at [jurisdiction to be confirmed], and/or by arbitration as the parties may agree. For any questions, contact us at hello@indiloan.in.