1. Acceptance of terms
By accessing loanpolicy.online, you agree to these Terms & Conditions, the Privacy Policy, and the Disclaimer. If you do not agree, do not use the website.
2. Nature of the service
Loan Policy provides general educational content and may refer visitors to independent third-party financial-service providers. Unless expressly stated with valid regulatory details, Loan Policy is not a bank, non-banking financial company, lender, credit bureau, loan broker, or financial adviser. We do not approve, reject, underwrite, disburse, service, or collect loans.
3. No guarantee of approval or terms
Eligibility, approval, interest rate, annual percentage rate, fees, tenure, repayment amount, collateral requirements, and final terms are determined solely by the relevant provider after its own assessment. Website examples are illustrative and must not be treated as an offer, sanction letter, or guarantee.
4. User responsibilities
- Provide accurate information to any provider you choose to contact.
- Review all rates, processing fees, penalties, insurance charges, taxes, repayment schedules, and total repayment before accepting an offer.
- Never share OTPs, PINs, passwords, CVV numbers, or banking credentials.
- Use the website only for lawful purposes and do not attempt to disrupt, scrape, reverse engineer, or misuse it.
5. Third-party providers and links
External providers are independent businesses. A link or referral does not mean we control or guarantee that provider. Their terms, privacy policy, eligibility rules, complaints process, and regulatory status apply. Verify the provider's identity and authorisation before sharing information or paying money.
6. Advertising and compensation
Loan Policy may receive advertising, referral, lead-generation, or affiliate compensation when a visitor clicks a link, submits an enquiry, or completes an action with a third party. Compensation may influence placement but does not change the visitor's obligation to compare offers independently. Paid relationships should be clearly disclosed near relevant calls to action.
7. Intellectual property
Website design, branding, text, graphics, and code are owned by or licensed to the website operator unless stated otherwise. You may use the website for personal, non-commercial purposes but may not reproduce or commercially exploit its content without permission.
8. Availability and changes
We may update, suspend, or remove content or features without notice. We do not guarantee uninterrupted availability, error-free operation, or that every external link will remain active.
9. Limitation of liability
To the maximum extent permitted by law, Loan Policy and its operator are not liable for decisions made based on general website information, third-party conduct, rejected applications, credit-score impact, financial loss, or indirect damages. Nothing in these terms excludes liability that cannot legally be excluded.
10. Indemnity
You agree to be responsible for losses reasonably arising from your unlawful misuse of the website or violation of these terms.
11. Governing law and disputes
These terms should specify the operator's actual jurisdiction and dispute forum before publication. For an India-based operator, obtain legal advice before inserting a state, city, arbitration clause, or exclusive court jurisdiction.
12. Contact
Questions may be sent to support@loanpolicy.online. Add the operator's full legal name and registered address before launch.