Terms & Conditions

1. Introduction

Welcome to Loansbhumi, a financial services platform that operates as a loan and credit card aggregator. By accessing or using our website, you agree to be bound by these Terms and Conditions.

2. Nature of Services

Loansbhumi is a financial aggregator and intermediary platform connecting users with banks, NBFCs, and financial institutions ("Lenders").

• We do not provide loans, credit cards, or financial products directly.
• Approval, rejection, interest rates, and product terms are determined solely by the respective Lenders.

3. Eligibility

• You must be at least 18 years old
• You must be legally capable of entering binding contracts
• You must provide accurate and complete information

4. User Obligations

• Provide true, accurate, and updated information
• Do not misuse the platform for fraudulent or unlawful purposes
• Maintain confidentiality of your account details

5. Data Usage & Consent

• By using our platform, you consent to collection, storage, and sharing of your information with partnered Lenders and service providers.
• Your data may be used for processing applications, credit evaluation, and promotional communication where permitted by law.
• We implement reasonable security practices but do not guarantee absolute security.

6. No Guarantee of Approval

Loansbhumi does not guarantee loan approval, specific interest rates, limits, or processing timelines. All decisions are made solely by the Lenders.

7. Fees and Charges

• We may earn commissions from Lenders for successful referrals
• Users are not charged unless explicitly stated
• Loan and credit card related fees are decided by Lenders

8. Third-Party Services

Our platform may contain links to third-party websites or services. We are not responsible for their content, privacy policies, or practices.

9. Limitation of Liability

• Any rejection or delay by Lenders
• Financial losses from third-party products
• Errors in information provided by Lenders

Use of the platform is entirely at your own risk.

10. Intellectual Property

All content, trademarks, logos, and materials on the platform are owned by or licensed to Loansbhumi and are protected by applicable laws.

11. Termination

We reserve the right to suspend or terminate access to the platform at our discretion, without prior notice, for any violation of these Terms.

12. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India, and courts located in Gurugram shall have exclusive jurisdiction.

13. Amendments

We may update these Terms at any time. Continued use of the platform constitutes acceptance of the revised Terms.