Last Updated: | This document is legally binding for all users.
Finease.in acts as a financial aggregator and comparison platform. Submitting a loan application through our website or any linked portal does NOT guarantee loan approval. The final decision rests entirely with the lending partner based on their internal underwriting criteria, including but not limited to credit score (CIBIL/Experian), income stability, employment history, existing debt obligations, and documentation verification. We explicitly disclaim any liability if your loan application is rejected, delayed, or approved for a lower amount than requested. You acknowledge that approval rates vary across lenders and that past approval does not indicate future results.
All interest rates, processing fees, prepayment penalties, late payment charges, and other loan-related costs displayed on Finease.in are indicative and sourced from publicly available information or partner APIs. These rates are subject to change without prior notice based on RBI policy, lender discretion, and your individual credit profile. The final Annual Percentage Rate (APR) will be disclosed in the loan agreement provided by the lender before you sign. We strongly advise you to read the Key Fact Statement (KFS) carefully. Finease.in shall not be held responsible for any discrepancy between displayed rates and final offered rates. For exact figures, contact the lender directly.
When you apply for a loan through any lender linked from our platform, the lender may perform a hard inquiry (hard pull) on your credit report. Multiple hard inquiries within a short period can significantly lower your credit score. You are solely responsible for understanding the impact of loan applications on your credit health. We recommend using our “soft check” eligibility tools (where available) that do not affect your score. Finease.in does not control or influence credit bureau decisions and shall not be liable for any negative changes to your CIBIL, Equifax, or CRIF score resulting from your loan applications.
Our website contains hyperlinks to third-party websites, including banks, NBFCs, fintech apps, payment gateways, and advertising partners. These links are provided for your convenience and do not signify endorsement. We have no control over the content, privacy policies, security practices, or availability of those external sites. If you access a third-party link, you do so at your own risk. We strongly recommend reviewing the privacy policy and terms of service of any external site before sharing personal or financial information. Finease.in shall not be held liable for any loss, damage, or data breach arising from your use of third-party services.
We strive to ensure that all information on Finease.in – including loan products, EMI calculators, blog articles, and lender comparisons – is accurate, complete, and up-to-date. However, we make no representations or warranties of any kind, express or implied, about the reliability, suitability, or availability of the information. Human errors, technical glitches, or delayed updates may occur. You acknowledge that any reliance on such information is strictly at your own risk. We reserve the right to modify or remove content without notice.
The EMI calculators, loan affordability tools, SIP calculators, and other financial planning utilities on Finease.in are provided for illustrative purposes. The results are estimates based on the inputs you provide (loan amount, interest rate, tenure). Actual EMI amounts may differ due to processing fees, GST, insurance add-ons, or changes in interest rates during the loan tenure. Do not make financial decisions solely based on calculator outputs. Always consult with a certified financial advisor or the lending institution before committing to any loan.
While we implement industry-standard security measures (SSL encryption, firewalls, regular audits) to protect your personal data, no method of transmission over the internet is 100% secure. You are responsible for maintaining the confidentiality of your login credentials, Aadhar OTP, and any sensitive information. Finease.in shall not be liable for unauthorized access to your data caused by phishing attacks, device compromise, or your failure to follow security best practices. In case of a data breach, we will notify affected users as required by applicable laws (IT Act 2000, GDPR, etc.).
Finease.in complies with all relevant regulations issued by the Reserve Bank of India (RBI), Ministry of Electronics & IT (MeitY), and other governing bodies. However, we are not a banking or lending entity. Our role is limited to facilitating connections between borrowers and lenders. Any disputes regarding loan terms, recovery practices, or interest rates must be resolved directly with the lender. We encourage users to report unfair lending practices to the RBI Ombudsman or National Consumer Helpline (14404).
To the maximum extent permitted by law, Finease.in, its owners, employees, affiliates, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the website, including but not limited to: loan rejection, financial loss, credit score damage, data breach, or emotional distress. Our total liability, if any, shall not exceed ₹1,000 (Indian Rupees one thousand only).
You agree to indemnify, defend, and hold harmless Finease.in and its affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of your breach of these disclaimers, your violation of any law, or your misuse of our platform.
We may update this disclaimer periodically to reflect changes in our practices, legal requirements, or industry standards. The “Last Updated” date at the top indicates the latest revision. Your continued use of the website after any changes constitutes acceptance of the modified disclaimer. We encourage you to review this page regularly.
This disclaimer and any disputes arising from your use of Finease.in shall be governed by the laws of India. The courts in Mumbai, Maharashtra shall have exclusive jurisdiction over any legal proceedings.
If you have any questions or concerns about this disclaimer, please contact us at: support@Finease.in or through our Contact Us page. We aim to respond within 2 business days.
By using Finease.in, you acknowledge that you have read, understood, and agreed to this disclaimer in its entirety.