Terms & Conditions

Welcome to LoanIsReady! By accessing or using our website, or services (collectively, the "Platform"), you agree to the following Terms and Conditions. Please read them carefully before proceeding.

1. Acceptance of Terms

By accessing or using LoanIsReady, you agree to comply with these Terms and Conditions. If you do not accept these terms, please refrain from using our services.

2. Eligibility

To use LoanIsReady, you must:

  • Be an Indian citizen.
  • Be aged between 21 and 60 years.
  • Have a valid government-issued ID, address proof, and income proof.
  • Meet the minimum eligibility criteria specified during the application process.

3. Use of the Platform

  • You agree to provide accurate, current, and complete information when applying for a loan.
  • The Platform must only be used for personal, non-commercial purposes.
  • You are prohibited from engaging in fraudulent, unlawful, or malicious activities on the Platform.

4. Loan Application Process

  • Loan approvals are subject to verification and assessment of your eligibility and creditworthiness.
  • Submitting an application does not guarantee approval of the loan.
  • The loan amount, interest rate, and tenure are determined based on your profile and eligibility.

5. Payments and Repayment

  • All repayment terms, including EMI amounts and due dates, will be shared at the time of loan disbursement.
  • Late payments may attract penalties as outlined in your loan agreement.
  • Prepayment or foreclosure of loans is allowed, subject to applicable charges or conditions.

6. Privacy and Security

  • LoanIsReady is committed to protecting your personal and financial information.
  • All data collected during the loan application process will be handled in accordance with our Privacy Policy.
  • You are responsible for maintaining the confidentiality of your account credentials.

7. Fees and Charges

  • LoanIsReady charges a processing fee for approved loans, which will be disclosed upfront.
  • Additional charges, such as late payment fees or prepayment charges, will be clearly communicated in the loan agreement.

8. Intellectual Property

  • All content, logos, trademarks, and other intellectual property on the Platform are owned by LoanIsReady or its licensors.
  • You may not reproduce, distribute, or modify any content without prior written consent.

9. Limitation of Liability

  • LoanIsReady provides services on an "as is" basis and makes no guarantees regarding the availability, reliability, or accuracy of the Platform.
  • To the maximum extent permitted by law, LoanIsReady is not liable for any losses or damages resulting from your use of the Platform.

10. Termination of Service

  • LoanIsReady reserves the right to suspend or terminate your account for any reason, including violation of these Terms.
  • You may terminate your account at any time by contacting customer support.

11. Third-Party Links

  • The Platform may contain links to third-party websites or services.
  • LoanIsReady is not responsible for the content, privacy practices, or terms of third-party platforms.

12. Governing Law

  • These Terms and Conditions are governed by the laws of India.

13. Changes to Terms

  • LoanIsReady reserves the right to update or modify these Terms and Conditions at any time.
  • Continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms.

14. Contact Information

For any queries or concerns regarding these Terms and Conditions, please contact us:

Email: ...

By using LoanIsReady, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. Thank you for choosing LoanIsReady for your financial needs!