Terms & Conditions

Acceptance of These Terms

By using LoanVedi, you confirm that you are legally capable of entering into these Terms and that the information you provide to us is accurate to the best of your knowledge.

If you are accessing the website on behalf of another person or organisation, you represent that you have the authority to accept these Terms on their behalf.

We may update these Terms from time to time. Your continued use of the website after updated Terms are published constitutes acceptance of the revised Terms.

About LoanVedi

LoanVedi is a digital platform intended to help users discover and explore financial products offered by banks, non-banking financial companies and other financial institutions.

LoanVedi may provide information about products such as credit cards, personal loans, instant personal loans, business loans and used car loans.

LoanVedi is not itself the lender unless expressly stated otherwise on the relevant product or service page. Financial products may be offered, processed and approved by the respective financial institution subject to its own policies and eligibility criteria.

User Eligibility

You must meet the legal and eligibility requirements applicable to use our website and request financial products.

Eligibility for any financial product is determined by the relevant bank, financial institution or lender. Factors may include income, employment, credit history, documentation, location, age and other criteria established by the respective lender.

Submitting an enquiry or application through LoanVedi does not guarantee approval, disbursement, issuance of a credit card or any particular financial outcome.

Our Services

LoanVedi may provide users with information, comparisons, enquiry forms, product discovery tools and other features designed to help users explore financial products.

Depending on the service, LoanVedi may facilitate communication between users and third-party financial institutions or service providers.

The availability of particular products, lenders, services or website features may change without prior notice.

Information Provided by Users

When submitting an enquiry or application, you agree to provide information that is truthful, accurate, complete and current.

You are responsible for ensuring that the information submitted through the website does not contain misleading, fraudulent or unauthorised information.

You should not submit personal information belonging to another person unless you have the necessary permission or legal authority to do so.

Accuracy of Website Information

We make reasonable efforts to keep information on the website useful and current. However, financial product details, eligibility requirements, fees, interest rates, offers, terms and availability may change.

Information displayed on LoanVedi may therefore not always reflect the latest terms offered by a particular lender.

Before making a financial decision, you should verify the applicable product terms, fees, charges, eligibility requirements and other conditions directly with the relevant financial institution.

Third-Party Financial Products

LoanVedi may display or provide access to products offered by third-party banks, NBFCs, financial institutions and other providers.

Such third parties operate independently from LoanVedi and may have their own eligibility criteria, pricing, policies, terms and privacy practices.

LoanVedi does not control the decisions made by third-party lenders and does not guarantee that a user will qualify for or receive any particular product.

Applications & Approvals

Where LoanVedi provides an application or enquiry facility, submitting information through the website may allow the relevant lender or service provider to contact you regarding the product or service requested.

Any credit assessment, verification, approval, rejection, sanction, pricing, documentation or disbursement decision is made by the relevant lender according to its own policies and applicable laws.

LoanVedi does not guarantee approval, a specific interest rate, loan amount, credit limit, tenure or other financial product terms.

Communications

By submitting your contact details or an enquiry through the website, you may be contacted by LoanVedi or, where applicable and subject to appropriate permissions, relevant financial institutions or service providers concerning your enquiry.

Communications may occur through telephone calls, SMS, email, WhatsApp or other permitted communication channels.

You may request that certain communications stop, subject to communications that are necessary for providing a requested service or required by law.

Prohibited Use

You agree not to use the LoanVedi website for any unlawful, fraudulent or unauthorised purpose.

You must not:

• Provide false, misleading or fraudulent information.
• Attempt to gain unauthorised access to the website or its systems.
• Interfere with the security or functionality of the website.
• Introduce malicious code, viruses or harmful software.
• Use automated systems to scrape or collect website information without permission.
• Use the website to violate applicable laws or regulations.
• Misrepresent your identity or relationship with another person or organisation.

We reserve the right to restrict or suspend access where we reasonably believe that the website is being misused or these Terms are being violated.

Intellectual Property

Unless otherwise stated, the content of the LoanVedi website, including text, graphics, logos, branding, designs, layouts, icons, images and other materials, is owned by or licensed to LoanVedi and is protected by applicable intellectual property laws.

You may access and use website content for personal, lawful and non-commercial purposes. You may not copy, reproduce, modify, distribute, publish, sell or exploit website content without prior written permission, except where permitted by applicable law.

Third-party names, logos and trademarks displayed on the website belong to their respective owners.

Disclaimers

The LoanVedi website and its content are provided for general informational and financial-product discovery purposes. We do not provide a guarantee that the website or its content will always be complete, accurate, current or uninterrupted.

LoanVedi does not provide a guarantee of loan approval, credit card issuance, interest rate, credit limit, loan amount, processing time, disbursement or any other specific financial outcome.

Financial decisions should be made after reviewing the applicable terms and conditions provided by the relevant financial institution.

Limitation of Liability

To the maximum extent permitted by applicable law, LoanVedi will not be responsible for indirect, incidental, consequential or special losses arising from your use of, or inability to use, the website or third-party products and services.

This includes losses arising from decisions made based on information displayed on the website, third-party lender decisions, service interruptions, technical issues or changes to financial product terms.

Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under applicable law.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless LoanVedi and its officers, employees, affiliates, service providers and representatives from claims, losses, liabilities, damages and expenses arising from your unlawful use of the website, violation of these Terms or infringement of another person's rights.

Changes to These Terms

LoanVedi may modify these Terms from time to time to reflect changes in our services, website functionality, business practices or applicable legal and regulatory requirements.

Updated Terms will be published on this page together with the revised "Last Updated" date.

Your continued use of the website after an update is published indicates your acceptance of the revised Terms, to the extent permitted by applicable law.

Governing Law

These Terms shall be governed by and interpreted in accordance with the applicable laws of India, subject to any mandatory legal provisions that may apply.

Any disputes arising in connection with these Terms or your use of the website shall be subject to the jurisdiction of the courts having appropriate jurisdiction over the matter and the relevant LoanVedi entity.