Last updated: August 30, 2025

Welcome to Smart Loan Advisor. These Terms of Service ("Terms") govern your use of our website, services, and any related applications (collectively, the "Service") operated by Smart Loan Advisor ("we", "us", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

1. Service Description

Smart Loan Advisor provides:

  • Loan comparison and matching services
  • Financial advisory and consultation
  • Assistance with loan applications and documentation
  • Pre-eligibility checks and credit assessments
  • Communication facilitation between borrowers and lenders

We act as an intermediary between borrowers and financial institutions. We do not directly provide loans or guarantee loan approvals.

2. User Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Be an Indian resident or citizen
  • Have the legal capacity to enter into binding agreements
  • Provide accurate and complete information
  • Not be prohibited from using financial services under applicable laws

3. User Obligations and Responsibilities

Information Accuracy

You agree to:

  • Provide true, accurate, and complete information
  • Update your information promptly when it changes
  • Not misrepresent your financial status or loan requirements
  • Cooperate in the verification process when required

Acceptable Use

You may not use our Service to:

  • Engage in fraudulent or deceptive practices
  • Violate any applicable laws or regulations
  • Interfere with or disrupt the Service
  • Upload malicious code or engage in harmful activities
  • Impersonate others or create false identities

4. Our Services and Limitations

Service Availability

  • We strive to maintain continuous service availability
  • Service may be temporarily unavailable due to maintenance or technical issues
  • We reserve the right to modify or discontinue services with notice

Loan Approval Disclaimer

  • We do not guarantee loan approvals or specific terms
  • Final loan decisions rest with individual lenders
  • Interest rates and terms are subject to lender policies
  • Credit checks and verification are conducted by lenders

5. Fees and Charges

Our loan comparison and consultation services are provided free of charge to users. However:

  • Lenders may charge processing fees, administrative charges, or other fees
  • All lender fees will be clearly disclosed before you proceed
  • We may receive compensation from lenders for successful loan referrals
  • This compensation does not affect our advice or recommendations

6. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains:

  • How we collect and use your personal information
  • How we share information with partner lenders
  • Your rights regarding your personal data
  • Security measures we implement to protect your information

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Smart Loan Advisor and are protected by:

  • Copyright, trademark, and other intellectual property laws
  • International copyright and intellectual property treaties

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Disclaimers and Limitations of Liability

Service Disclaimer

Our Service is provided "as is" and "as available" without warranties of any kind, including:

  • Implied warranties of merchantability or fitness for a particular purpose
  • Warranties regarding accuracy, reliability, or completeness of information
  • Warranties that the service will be uninterrupted or error-free

Limitation of Liability

To the maximum extent permitted by law, Smart Loan Advisor shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages arising from lender decisions or loan rejections
  • Technical failures or service interruptions

9. Indemnification

You agree to indemnify and hold Smart Loan Advisor harmless from any claims, damages, or expenses arising from:

  • Your violation of these Terms
  • Your violation of any applicable laws
  • Inaccurate or fraudulent information you provide
  • Your interactions with third-party lenders

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for:

  • Violation of these Terms
  • Suspected fraudulent activity
  • Legal or regulatory requirements
  • Protection of our interests or other users

Upon termination, your right to use the Service will cease immediately.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

Dispute Resolution Process

  • First, contact us directly to resolve the issue
  • If unresolved, disputes may be submitted to mediation
  • Legal proceedings should be a last resort

12. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

  • We will update the "Last updated" date
  • Significant changes will be communicated via email or website notice
  • Your continued use constitutes acceptance of the updated Terms
  • If you disagree with changes, you should discontinue using the Service

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.

14. Contact Information

If you have any questions about these Terms of Service, please contact us:

We will respond to your inquiries within a reasonable timeframe and work to address your concerns.

By using Smart Loan Advisor's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.