About LoanTalk

LoanTalk provides loan-related information and financial assistance services and may facilitate connections between customers and banks, NBFCs, financial institutions, lending partners, and other service providers.

Information Provided by You

When you use our website or submit a loan enquiry, you may be required to provide personal information including your name, mobile number, email address, city, employment or business details, income-related information, loan requirements, property-related information, and other information required to process your enquiry.

You agree that all information provided by you is accurate, complete, and up to date.

Sharing of Information

To respond to your enquiry and provide relevant financial assistance, LoanTalk may share your information with selected or relevant banks, NBFCs, financial institutions, lending partners, authorized representatives, and service providers.

Loan Approval

Submitting an enquiry through LoanTalk does not constitute approval or sanction of a loan. Loan approval depends on the eligibility criteria, credit profile, income, documentation, lender policies, verification, and other requirements of the concerned lender.

LoanTalk does not guarantee approval, loan amount, interest rate, tenure, or disbursement of any loan.

Interest Rates, Fees & Charges

Interest rates, processing fees, foreclosure charges, documentation charges, penalties, tenure, loan amount, and other applicable terms may vary from one lender to another.

The final terms and charges shall be determined by the concerned lender or financial institution.

Third-Party Services

LoanTalk may provide links, references, information, or access to third-party websites, banks, NBFCs, financial institutions, or service providers.

LoanTalk does not control the policies, terms, services, content, or practices of such third parties. Any transaction or agreement between you and a third-party lender shall be governed by the terms of that third party.

Accuracy of Website Information

Loan products, interest rates, eligibility criteria, offers, lender policies, and other information displayed on the website may change from time to time.

While LoanTalk makes reasonable efforts to maintain accurate and updated information, we do not guarantee that all information will always be complete, accurate, current, or error-free.

User Responsibilities

You agree:

• To provide genuine and accurate information.
• Not to provide false or misleading information.
• Not to misuse the website or its services.
• Not to attempt unauthorized access to the website.
• Not to use the website for unlawful activities.
• To comply with all applicable laws and regulations.
• To independently verify loan terms before entering into any financial agreement.

Website Availability

LoanTalk makes reasonable efforts to keep the website available and functional. However, we do not guarantee uninterrupted, error-free, secure, or continuous access to the website.

Intellectual Property

All content available on the LoanTalk website, including logos, trademarks, text, graphics, images, designs, icons, layouts, and other materials, is owned by or licensed to LoanTalk unless otherwise stated.

You may not reproduce, copy, modify, distribute, publish, sell, or commercially exploit any website content without prior written permission.

Limitation of Liability

To the maximum extent permitted by applicable law, LoanTalk shall not be liable for any direct, indirect, incidental, consequential, or financial loss arising from:

• Rejection of a loan application.
• Changes in lender policies.
• Changes in interest rates.
• Delays in loan processing or disbursement.
• Incorrect information provided by the user.
• Actions or omissions of third-party lenders.
• Technical problems or website interruptions.
• Any decision made by the user based on information available on the website.

Privacy

Your personal information may be collected, processed, stored, and shared as described in our Privacy Policy. You should read the Privacy Policy carefully to understand how LoanTalk collects, uses, stores, and protects your personal information.

Communication & Promotional Updates

Subject to your consent and applicable laws, LoanTalk may contact you regarding loan enquiries, application status, documentation requirements, loan offers, financial products, related services, promotional communications, and updates relevant to your enquiry.

Fraud Prevention

LoanTalk does not authorize any person to request your banking password, ATM PIN, CVV, OTP, UPI PIN, or other confidential banking credentials for processing a loan enquiry.

You should never share such confidential information with any unauthorized person.

Changes to These Terms

LoanTalk reserves the right to modify, update, or replace these Terms & Conditions at any time. Changes will become effective when posted on this website.

Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

Any dispute arising in connection with these Terms & Conditions or the use of the LoanTalk website shall be subject to the applicable jurisdiction of the courts having competent jurisdiction in India.