Loan At Click

GENERAL TERMS OF USE

Welcome to Loan At Click (“**www.loanatclick.com**”), a loan assistance and financial facilitation platform owned and operated by LOAN AT CLICK FINTECH SERVICES, a company incorporated under the provisions of the Companies Act, 1956, with its registered office at Plot No 428- 4th Floor, Bhera Enclave, Paschim Vihar, Delhi, India, Delhi.

This document is a computer-generated electronic record published under Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011, read with the Information Technology Act, 2000, and does not require physical or digital signatures.

By accessing or using this website or any services offered through it, you agree to be bound by these Terms and Conditions, our Privacy Policy, and other policies displayed on the website. If you do not agree, please do not use our website or services.

1. Nature of Business and Disclaimer

Loan At Click is a Direct Selling Agent (DSA) platform that connects users with banks, NBFCs, and financial institutions for various loan products, including personal loans, home loans, business loans, loan against property, credit cards, and other financial products.

Disclaimer: Loan At Click is not a bank, NBFC, or financial institution. We do not directly offer loans or financial products. All loan approvals, sanctions, interest rates, and disbursements are solely at the discretion of our partner banks and NBFCs based on their credit policy, eligibility criteria, and verification process.

Loan At Click acts only as an intermediary (DSA) facilitating loan applications between the customer and the lending institution. Submitting an application through this website does not guarantee loan approval.

2. Acceptance of Terms

By using this website and availing of our services, you acknowledge that:

You have read, understood, and agree to these Terms and Conditions.
You are at least 18 years of age and capable of entering into a legally binding agreement under Indian law.
Loan At Click reserves the right to modify or update these Terms at any time without prior notice. Continued use of the website constitutes acceptance of any such changes.

3. Services Offered

Through this website, Loan At Click provides digital assistance and facilitation for:

Home loans
Personal loans
Business loans
Loan against property
Credit cards
Loan consolidation

All services are offered through our empanelled banking and NBFC partners. We do not charge any upfront fee from customers for loan processing unless explicitly mentioned.

4. Use of the Website

You agree to:

Use the website only for lawful purposes.
Provide accurate, complete, and truthful information in all forms or applications.
Maintain confidentiality of your login credentials.
Not misuse the website for any fraudulent or unlawful activity.

Loan At Click reserves the right to suspend or terminate your access if any misuse, false information, or breach of terms is detected.

5. Intellectual Property Rights

All content, text, images, graphics, logos, design, software, and data on this website are the intellectual property of Loan At Click.
You are granted a limited license to access and use this site for personal purposes only.
You may not copy, reproduce, modify, distribute, or commercially exploit any part of the website without prior written permission.

6. Data Collection, Privacy & Communication Consent

By submitting your details on our website, you consent to:

Loan At Click collecting and using your personal and contact information for processing your loan request.
Being contacted by Loan At Click, its employees, partners, or affiliated banks/NBFCs via phone, SMS, email, WhatsApp, or other communication channels.
Receiving marketing, promotional, or service-related communications even if your number is registered on the DND/NCPR list as per TRAI regulations.

Your personal data will be handled as per our Privacy Policy, and shared only with authorised partners and service providers for legitimate business purposes.

7. KYC and Verification

To comply with regulatory requirements, Loan At Click and its partners may conduct Know Your Customer (KYC) verification and other due diligence checks as per applicable laws.
You agree to provide accurate and complete KYC documents and understand that non-compliance may result in rejection of your loan application.

8. Third-Party Links and Services

The website may contain links to third-party sites, products, or services. Loan At Click is not responsible for the content, terms, or privacy practices of such external websites.
You access third-party links at your own discretion.

9. Limitation of Liability

Loan At Click shall not be liable for:

Any loan rejection or delay by a partner bank/NBFC.
Any direct or indirect loss, damage, or expense arising from use of our website or services.
Any inaccuracy in third-party information or offers displayed.

All loan offers, interest rates, and terms are subject to lender’s approval and policy.

10. Indemnification

You agree to indemnify and hold harmless Loan At Click, its directors, employees, agents, and affiliates from any claims, damages, or liabilities arising from your use of the website, violation of these terms, or infringement of third-party rights.

11. Termination

Loan At Click may, at its sole discretion, suspend or terminate your access to the website or services if you breach any term or engage in fraudulent activity.

12. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the courts of New Delhi.

13. Contact Information

For any queries, feedback, or complaints, you may contact:

LOAN AT CLICK FINTECH SERVICES
Plot No 428- 4th Floor, Bhera Enclave, Paschim Vihar, Delhi, India, Delhi

Email: info@loanatclick.com
Website: www.loanatclick.com

Disclaimer:

Loan At Click acts as a Direct Selling Agent (DSA) for multiple banks and NBFCs. All loan approvals and disbursements are subject to the respective lender’s terms, credit policy, and eligibility criteria. Loan At Click does not guarantee loan approval or influence the decision of any financial institution