Welcome to Loanitol ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website located at [www.loanitol.com] and any services we provide related to loan consultancy, comparison, and application assistance.

By accessing or using our Site and services, you agree to be bound by these Terms. If you do not agree to all the terms, please do not use our website or services.

About Us

Loanitol is a private limited company registered in India, providing loan consultancy and facilitation services in partnership with banks and NBFCs (Non-Banking Financial Companies). We assist customers in discovering, comparing, and applying for financial products including personal loans, business loans, home loans, property loan and more.

Eligibility

You must be:

• At least 18 years old.
• Legally capable of entering into binding contracts under Indian law.
• A resident of India.

Services Offered

We provide:

• Loan product comparisons from multiple banks and NBFCs.
• Application assistance for personal, business, home, Property and other loans.
• Customer support and documentation guidance.
• Lead generation and forwarding to financial institutions.

Note: We are not a lender or a financial institution. Final approval and disbursement of any loan is solely at the discretion of the partnered banks/NBFCs.

No Guarantee of Loan Approval

We facilitate the loan application process but do not guarantee loan approval, amount, interest rate, or other terms. These are determined solely by the bank/NBFC after reviewing your application and eligibility.

User Responsibilities

By using our website and services, you agree to:

• Provide accurate, complete, and up-to-date information.
• Not engage in any fraudulent or illegal activities.
• Comply with all applicable laws and regulations.

Misrepresentation may lead to refusal of service or blacklisting.

Data Collection and Privacy

We collect and process your personal and financial data in accordance with our Privacy Policy. By using our services, you consent to such processing.

Collected information may include:

• Full name, contact number, and email ID
• PAN, Aadhaar, and other KYC documents
• Income details and bank statements
• Credit score and loan history

We may share your information with our partner financial institutions for processing your loan application.

Third-Party Links and Content

Our website may contain links to third-party websites, including banks and financial institutions. We are not responsible for the content, privacy policies, or practices of these websites. Use them at your own discretion

Intellectual Property

All content on the Site, including text, graphics, logos, and trademarks, is the property of Loanitol or its licensors and protected under intellectual property laws. You may not copy, reproduce, or use any content without prior written permission.

Limitation of Liability

To the maximum extent permitted by law, Loanitol will not be liable for any direct, indirect, incidental, or consequential damages arising from:

• Use or inability to use our services
• Delays in loan processing
• Unauthorized access to user data

Indemnification

You agree to indemnify and hold harmless Loanitol, its affiliates, directors, and employees from any claim, demand, or damages resulting from your breach of these Terms or misuse of the services.

Changes to Terms

We reserve the right to update or modify these Terms at any time. Continued use of our website or services after such changes constitutes acceptance of the updated Terms.

Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts of [Insert City].

Contact Us

If you have any questions or concerns about these Terms, please contact us at:

Loanitol

3rd Floor, V.E Arcade , Opp.Vyaparabavan , Palarivatam P.O ,Ernakulam -682025 , Kerala

Email: info@loanguru.in
Phone: +91-9090388883