Terms & Conditions

financebazarindia.com is operated by Finance Bazar Pvt Ltd ("Finance Bazar India", "we", "us"). Registered office: Bhairunda, Sehore District, Madhya Pradesh - 466331, India. CIN: U65990MP2026PTC084920.

In these terms, "you" means anyone who uses the site, submits an enquiry or applies for a product through us.

We are a facilitator, not a lender. We do not lend money, and we do not decide who gets a loan. We collect your details and documents, help you prepare an application, and pass it to banks and non-banking financial companies (NBFCs) that may be willing to lend to you.

This means, plainly:

• We cannot approve or guarantee a loan. Every approval, the amount, the interest rate, the tenure and every other condition is decided by the lender alone, after its own checks.
• Any figure shown on this site — an EMI calculation, an indicative eligibility amount, an illustrative rate — is an estimate for your planning only. It is not an offer, a quote, or a commitment by us or by any lender.
• We do not control how long a lender takes, what documents it asks for, or whether it says no. A rejection is the lender's decision and we may not be told the reason for it.
• We are not your financial, legal or tax adviser. Deciding whether a loan suits your circumstances is your decision, and you should take independent advice if you are unsure.

You may use this service only if you are at least 18 years old, are resident in India, and are legally capable of entering into a contract. You must use it for yourself, or for someone who has authorised you to act on their behalf.

Lending decisions rest on what you tell us, so you agree that the information and documents you provide are true, current and complete, and that they are yours to give.

Giving false information, or submitting someone else's documents without their authority, may cause your application to be rejected, may be reported to the lender and the relevant authorities, and may be an offence.

To assess an application, we and our lending partners need to verify who you are and look at your credit history. By submitting an application you consent to:

• Verification of your identity documents, including Aadhaar-based verification carried out through a UIDAI-authorised verification provider with your one-time-password consent.
• Our obtaining your credit information report from credit information companies, and to that report being shared with lenders considering your application.
• Our sharing your application and documents with the lenders we approach on your behalf.

You can withdraw this consent at any time by writing to us, but we may then be unable to progress an application already in flight. How we handle the underlying data — including the fact that we do not store your Aadhaar number — is set out in our Privacy Policy.

We do not charge you a fee for submitting an enquiry or an application through this site. Where a loan is disbursed, we are paid a commission by the lender.

The lender may charge you its own processing fees, interest, insurance premiums or other charges. Those are set by the lender, disclosed by the lender in its sanction letter and loan agreement, and payable to the lender — not to us.

Nobody acting for us is authorised to ask you for cash, for a payment to a personal account, or for a fee to "guarantee" or "speed up" an approval. If you are asked for anything of the kind, please do not pay it and report it to us at support@financebazarindia.com.

Once you enter into a loan with a lender, that contract is between you and the lender. Its terms, its grievance process and its regulator apply to it, and we are not a party to it.

The site may link to or rely on third-party services. We are not responsible for their content or their practices, and their own terms will apply to your use of them.

You agree not to:

• Submit anyone else's personal information or documents without their permission.
• Impersonate another person, or misrepresent your income, employment or identity.
• Attempt to gain unauthorised access to the platform, its accounts or its data, or to disrupt or overload it.
• Copy, scrape or resell any part of the site or its content.
• Use the service for money laundering or for any unlawful purpose.

The site, its design, text, logos and software belong to us or to our licensors. You may use them only to use the service. The names of banks, NBFCs and other organisations shown on the site belong to those organisations.

The service is provided on an "as is" and "as available" basis. We work to keep the platform accurate and available, but we do not warrant that it will be uninterrupted, error-free, or that the information on it is complete or current at every moment.

Product information, rates and eligibility criteria change frequently and are set by the lenders. Always check the lender's own documentation before you commit to anything.

To the extent permitted by law, we are not liable for indirect or consequential loss, for loss of profit or opportunity, or for any loss arising from a lender's decision to approve, decline, delay or price an application.

Nothing in these terms excludes liability that cannot be excluded under Indian law, including liability for fraud.

We may suspend or withdraw access where we reasonably believe these terms have been breached, where information given to us is false, or where we are required to do so by law or by a lender. You may stop using the service at any time, and may ask us to close your account and delete your data as described in the Privacy Policy.

The platform is under active development. Features may be added, changed, suspended or removed, and parts of it may be unavailable from time to time.

We may update these terms. The date at the top of this page shows when they last changed, and continuing to use the service after a change means you accept the updated terms.

These terms are governed by the laws of India, and the courts at Sehore / Bhopal, Madhya Pradesh have exclusive jurisdiction over any dispute arising from them.

If something has gone wrong, please tell us first — most issues are resolved quickest that way.

• Email: support@financebazarindia.com
• Phone: +91 98765 43210
• Grievance Officer: Grievance Officer, Finance Bazar India
• Post: Bhairunda, Sehore District, Madhya Pradesh - 466331, India

We aim to acknowledge complaints within 48 hours and to resolve them within 30 days. A complaint about a loan you already hold should also be raised with the lender directly, since the loan contract is with them.