Terms & Conditions

Welcome to www.loankiduniya.com By accessing or using our platform, you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully before using our services.

To use our services, you must:

• Be at least 18 years of age
   
• Be an Indian citizen or legal resident
   
• Have a valid PAN and Aadhaar number
   
• Provide accurate and complete personal and financial information
   

Loan Ki Duniya is a loan facilitation platform. We:

• Do not lend directly
   
• Connect users with third-party financial institutions and NBFCs
   
• Help collect, verify, and forward loan applications to suitable lenders
   

Loan approval, terms, disbursement, and repayment are at the discretion of the lending partners.

By using this site, you agree to:

• Provide accurate, current, and complete information
   
• Use the website only for lawful purposes
   
• Not impersonate another individual or misrepresent any information
   
• Keep login credentials secure and confidential
   
• Repay loans obtained through this platform as per lender agreements
   

• All loan terms (interest rate, EMI, repayment schedule, penalties, etc.) are determined by the respective lender and detailed in the loan agreement signed between you and the lender.
   
• Loan Ki Duniya is not liable for the terms set by lenders or any disputes arising from them.
   

The website may contain links to external sites or integrate services by third parties (e.g., credit bureaus, payment gateways). We are not responsible for the content, privacy, or operations of those third parties.

Your data is governed by our Privacy Policy, which forms an integral part of these Terms. By agreeing to these Terms, you also consent to how we collect, store, use, and share your data.

All content on the website—logos, text, graphics, and software—is owned by or licensed to Loan Ki Duniya. You may not use, reproduce, or distribute any content without our prior written consent.

Loan Ki Duniya shall not be liable for:

• Loan approval or rejection by any lender
   
• Delay or failure of loan disbursement
   
• Any loss or damage caused by the use or misuse of the website
   
• Fraudulent activities carried out using your credentials
   

We reserve the right to suspend or terminate your access to our services at our sole discretion, without prior notice, for any reason including but not limited to breach of these Terms.

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts located in [Insert City, e.g., New Delhi].

We may revise these Terms at any time. Continued use of the site after changes implies acceptance of the updated Terms.

For any questions or legal concerns:

Loan Ki Duniya
Email: info@loankiduniya.com
Phone: 011-42651053
Website: www.loankiduniya.com