Terms And Conditions

By accessing or using our Website, you confirm that you are at least 18 years of age, are legally competent to enter into a contract under the Indian Contract Act, 1872, and agree to comply with and be bound by these Terms and Conditions. These Terms constitute a legally binding agreement between you and LoanLogic ("Company", "we", "us", or "our").

LoanLogic reserves the right, in its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

LoanLogic is a free digital loan marketplace and referral portal. We do not lend money directly, nor do we act as a bank or NBFC. Our services include:

• Helping users compare loan eligibility across 40+ RBI-regulated banks and NBFCs.
• Providing a digital platform to submit loan applications.
• Connecting borrowers with appropriate lenders based on their profile.
• Offering educational content and financial guidance about loan products.
• Facilitating communication between users and partner lenders.

Final loan approvals, interest rates, processing fees, and disbursement timelines are entirely at the discretion of the respective lenders. LoanLogic does not guarantee any loan approval.

To use our services, you must:

• Be a resident Indian citizen aged 21 to 60 years.
• Have a valid mobile number and email address.
• Provide accurate and truthful personal and financial information.
• Have a stable source of income (salaried or self-employed).
• Not be declared insolvent or bankrupt under any applicable law.

You agree that you will:

• Provide accurate, current, and complete information when submitting any form or application.
• Not impersonate any person or entity or misrepresent your identity.
• Not use the Website for any unlawful, fraudulent, or unauthorized purpose.
• Not transmit any virus, malware, spyware, or other harmful code.
• Not attempt to gain unauthorized access to our systems, servers, or databases.
• Not engage in any data mining, scraping, or data harvesting activities.
• Comply with all applicable laws, rules, and regulations in connection with your use of the Website.

We reserve the right to suspend or terminate your access to our services immediately if you violate any of these obligations, without any prior notice.

While LoanLogic strives to provide accurate and up-to-date information on the Website, we make no representations, warranties, or guarantees regarding the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics contained on the Website. Interest rates, eligibility criteria, and loan products are subject to change at the sole discretion of respective lenders without prior notice.

The content on the LoanLogic Website is provided for general informational purposes only. Nothing on this Website should be construed as financial, legal, tax, or investment advice. We strongly recommend that you consult a qualified financial advisor, chartered accountant, or legal professional before making any borrowing or financial decisions. LoanLogic is not responsible for any financial decisions made based on the information provided on this Website.

By submitting any form on the Website or by providing your contact details, you expressly consent to being contacted by LoanLogic and/or its partner lenders, banks, and NBFCs via:

• Telephone calls (including IVR / automated calls)
• SMS / WhatsApp messages
• Email communications
• Push notifications (if applicable)

This consent overrides any registration under the DND / NDNC registry. You may opt out of marketing communications at any time by contacting us at care@loanlogic.in.

By using our services and submitting a loan application, you authorize LoanLogic and its partner lenders to access your credit information from credit bureaus including but not limited to CIBIL, Experian, Equifax, and CRIF High Mark, for the purpose of evaluating your loan eligibility. This constitutes your express consent under the Credit Information Companies (Regulation) Act, 2005.

Please read our Credit Report Terms of Use for more details on how CRIF information is accessed and used.

All content on this Website — including but not limited to text, graphics, logos, icons, images, audio clips, software, and the selection and arrangement thereof — is the exclusive property of LoanLogic or its content suppliers and is protected under the Indian Copyright Act, 1957, and other applicable intellectual property laws. You may not reproduce, distribute, modify, transmit, or create derivative works from any content on this Website without our express written consent.

To the maximum extent permitted by applicable law, LoanLogic, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our Website or services.
• Any unauthorized access to or alteration of your personal data or transmissions.
• Loan rejections, changes in interest rates, or any decisions made by lenders.
• Any errors, omissions, interruptions, or delays in Website content or services.
• Any third-party content linked to or from our Website.
• Any technical failures, server downtime, or connectivity issues.

You agree to indemnify and hold harmless LoanLogic and its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Website.

Our Website may contain links to third-party websites, applications, or services that are not owned or controlled by LoanLogic. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the terms and privacy policies of any third-party sites you visit.

Your use of LoanLogic is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By agreeing to these Terms, you also consent to the collection and use of your information as described in our Privacy Policy.

LoanLogic reserves the right to terminate or suspend your access to the Website and its services at any time, with or without notice, for any reason, including but not limited to a breach of these Terms. Upon termination, your right to use the Website will immediately cease.

These Terms and Conditions shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

LoanLogic reserves the right to modify, update, or replace any part of these Terms at any time without prior notice. Changes will be effective immediately upon being posted on the Website. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically.

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions herein.

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us:

• Email: care@loanlogic.in
• Phone: +91 9966698879
• Address: Flat No 203, 2nd Floor, Viswa Central, Above Canara Bank, Ameerpet, Hyderabad – 500016
• Support Hours: Monday to Saturday, 9:30 AM – 6:30 PM IST