theloanwise.com

Terms & Conditions

Please read these Terms & Conditions ("Terms") carefully before using the websitetheloanwise.com (the "Site"). By accessing or using the Site, submitting any forms, or contacting us, you agree to be bound by these Terms.

Last updated: August 19, 2025

Table of contents

1) Introduction

The Site is owned and operated by theloanwise.com ("we", "us", or "our"). We publish information about financial products such as personal loans, car loans, home loans, business loans, and credit cards, and we collect interest from users who wish to be contacted by lenders, NBFCs, banks, or our channel partners (collectively, "Partners").

2) Eligibility & Scope

  • You must be at least 18 years old and legally capable of entering into a binding contract.
  • Use of the Site is intended for individuals located in India unless we explicitly state otherwise.
  • Eligibility for any loan/credit card is determined solely by the relevant Partner per their policies.

3) Information‑Only; No Financial Advice

Content on the Site is for general information and educational purposes only. We do not guarantee that any product is suitable for your needs, and nothing on the Site constitutes financial, legal, tax, or investment advice. Please evaluate products independently and/or consult a qualified advisor.

4) Lead Generation & Consent to Contact

When you submit a form on the Site, you authorize us and our Partners to collect and process the personal information you provide (e.g., name, email, phone number, monthly income/salary, employment type, city, desired loan amount, etc.). By submitting a lead, you expressly consent to be contacted by us and/or our Partners via phone/voice call, SMS/WhatsApp, email, and other electronic means for verification and marketing, even if your number is registered on DND/NDNC. You may withdraw consent at any time by contacting us (see Contact Us), but this will not affect prior lawful processing.

5) Personal Data & Privacy

  • We handle your personal data in accordance with our Privacy Policy(to be provided on the Site). This explains what data we collect, why we collect it, how we use it, and your choices.
  • You agree that we may share your lead details with one or more Partners for eligibility checks, quotations, and application processing.
  • We may use cookies and similar technologies to improve the Site and measure performance. Adjust your browser settings to manage cookies.

6) Third‑Party Offers, Links & Disclaimers

  • Product descriptions, interest rates, fees, eligibility criteria, rewards, and other terms are provided by Partners and may change without notice. Final terms apply as per the Partner’s documentation.
  • External links on the Site lead to third‑party websites we do not control. We are not responsible for their content, security, or privacy practices.
  • We may receive referral/affiliate fees from Partners if you apply for or obtain a product via our Site.

7) Accuracy, Availability & Changes

  • We try to keep information accurate and up to date but do not warrant completeness or accuracy.
  • We may add, modify, or remove content, features, or services at any time without liability.
  • The Site may be unavailable due to maintenance or technical issues. We are not liable for interruptions or data loss.

8) Your Responsibilities

  • Provide true, accurate, and current information when submitting any form or inquiry.
  • Do not submit information on someone else’s behalf without their explicit consent.
  • Keep your devices and accounts secure and notify us of any suspected misuse.

9) Prohibited Use

You agree not to misuse the Site, including but not limited to: reverse engineering; scraping or harvesting data without permission; introducing malware; interfering with Site functionality; attempting unauthorized access; or using the Site for fraud, misleading representations, or unlawful activity.

10) Intellectual Property

All content on the Site—text, graphics, logos, trademarks, icons, images, and software—is owned by us or our licensors and protected by applicable IP laws. You may not copy, reproduce, modify, distribute, or create derivative works without prior written permission, except for personal, non‑commercial use as permitted by law.

11) Fees & Payments

Use of the Site is generally free for users. Some Partners may charge fees (e.g., processing, annual, or late fees). Any such fees are governed by the Partner’s terms and are payable directly to the Partner. We do not control or collect those fees unless explicitly stated.

12) Limitation of Liability

To the maximum extent permitted by law, we (and our officers, employees, and agents) shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or goodwill, arising from or related to your use of the Site, third‑party services, or reliance on any information provided on the Site.

13) Indemnity

You agree to defend, indemnify, and hold us harmless from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your breach of these Terms or your misuse of the Site.

14) Governing Law & Dispute Resolution

These Terms are governed by the laws of India, without regard to conflict‑of‑law principles. Subject to applicable law, courts located at India, Haryana, India shall have exclusive jurisdiction. You agree to first attempt to resolve any dispute informally by contacting us (see below) before seeking other remedies.

15) Changes to These Terms

We may update these Terms from time to time. The updated version will be indicated by a revised "10/08/2025" date. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.

16) Contact Us

If you have questions about these Terms or wish to withdraw consent to be contacted, please reach out:

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