Terms of Service
Effective date: 15 October 2026
Last updated: 13 October 2026
1. Who we are and what these terms cover
Loan Connect is operated by Tarini Networks Private Limited, a company incorporated in India, with CIN __________ and registered office at 1190/1, 4th floor, 22nd Cross Road, Sector 3, HSR Layout, Bangalore 560102 (“Company”, “we”, “us” or “our”).
These Terms of Service (“Terms”) govern your use of our Loan Connect Android application and website at https://loanconnectapp.com, including access through https://loanconnectapp.in, which redirects to our .com website (together, the “Platform”). “You” means the individual using the Platform.
Loan Connect helps you discover loan products and connect with participating non-banking financial companies (“Lenders”). We act as a lending service provider for customer referral. We are not a lender and do not grant loans. These Terms govern our platform services; a loan is governed by the separate agreement between you and the Lender.
Please read these Terms and our Privacy Policy at https://loanconnectapp.com/privacy-policy. By registering or using the Platform, you accept these Terms. If you do not agree, do not use the Platform. Consent to collect or share personal information is obtained separately where required.
In these Terms, “Services” means our loan-discovery and referral functions; “personal information” means information about an identifiable individual; and “applicable law” means the Indian laws and regulatory requirements relevant to the Platform, as amended and brought into force. These Terms are maintained electronically and do not require a handwritten signature; required consent or acceptance is recorded through the relevant process.
2. Who may use Loan Connect
You must be at least 18 years old, legally capable of entering into a binding contract, and use the Platform for yourself and for a lawful purpose. The Platform connects users with lenders offering loans in India. Each Lender may impose additional age, residence, income, employment and other eligibility criteria. The Services are intended for users seeking loans in India. We do not represent that they meet the requirements of other countries; you must not use them where that use is prohibited.
You must provide accurate information that belongs to you and update it when necessary. Do not submit another person’s PAN, contact details or financial information, or impersonate another person. Meeting our eligibility conditions does not mean you qualify for a loan. You confirm that you have the legal capacity and authority to provide the information and instructions you submit.
3. Your account
You are responsible for keeping your login credentials and authentication codes confidential and for taking reasonable care of the devices you use. Notify us at support@loanconnectapp.com if you suspect unauthorised access. We may take proportionate steps to verify account ownership, prevent fraud or protect your account.
You must not share your account or use it to submit unauthorised referrals for others. You are responsible for misuse you authorise or cause; this does not make you responsible for a security failure attributable to us.
4. How our referral service works
You provide basic profile information, browse participating Lenders and choose a Lender to continue with. Before sharing your details, we identify the selected Lender, describe the information to be shared and ask for your specific consent. Selecting one Lender does not authorise us to send your information to every Lender on the Platform.
We then redirect you to the selected Lender’s website or application. Our collection of a referral profile is not the Lender’s loan onboarding or KYC process. Loan application completion, document collection, KYC, credit assessment, approval, execution of loan documents, disbursement, servicing, repayments and recovery are handled by the Lender on its own platform.
You decide whether to proceed after redirection. A referral or a displayed match is not a completed loan application, sanction, binding offer or assurance of approval. We cannot commit a Lender to approve an application or provide a particular amount, price or disbursal time.
Please consult each participating Lender’s website for its privacy notice and grievance contacts. A Lender’s regulatory registration does not mean that RBI endorses Loan Connect or any particular loan.
5. How we order lender listings
Our default ordering is based on our estimate of the likelihood that a user with your profile will obtain a loan promptly from a given Lender. It is an estimate, not a credit decision, and it may be wrong. The ordering does not promise the lowest interest rate, lowest total cost or fastest actual disbursal, and it does not assess whether borrowing is affordable for you.
Our listings cover participating Lenders, not every loan available in India. Review each Lender’s price and conditions and choose any displayed option or none. The ordering may change as profiles and available lender information change.
6. Loan information and lender terms
Loan amounts, rates, charges, eligibility criteria and timelines displayed on the Platform are based on information available to us and may change. General product descriptions and ranges are indicative, not personalised loan offers. A Lender’s final offer can differ following its assessment. If information is unclear or inconsistent, seek clarification before accepting a loan.
Before borrowing, read the Lender’s Key Facts Statement (KFS), loan agreement and related disclosures. Check the annual percentage rate (APR), total cost, repayment schedule, processing fees, penal charges and any applicable cancellation, cooling-off or prepayment conditions. Your statutory rights continue to apply regardless of these Terms. Listings and estimates are general information, not personal financial advice. They may be incomplete or become outdated. Past outcomes and estimates of eligibility or speed do not predict your result; obtain independent advice if needed.
Loan Connect does not obtain a credit report or carry out a credit-bureau enquiry as part of the service described in these Terms. A Lender may undertake its own enquiries under its separate authorisations and applicable law; those enquiries may affect your credit score. A referral does not authorise us to obtain a credit report on your behalf.
7. Our fees and lender charges
Loan Connect does not charge you a platform fee, application fee, referral fee or subscription. Participating Lenders pay us for our services. Our remuneration does not mean that a loan is guaranteed or that a particular loan is suitable for you.
The Lender may charge interest and other amounts disclosed in its KFS and agreement. Those charges belong to the Lender’s service. We do not receive, hold or route loan disbursals or repayments, collect instalments, or act as a recovery agent. Do not pay anyone claiming to represent Loan Connect to release or guarantee a loan.
8. Data use and communications
Our Privacy Policy explains our data practices. We obtain your permission before sharing referral information with the Lender you select. Consent for the collection, use and selected-lender sharing described here remains valid for 12 months from the date it is given, unless withdrawn earlier or the stated purpose ends sooner. It does not authorise sharing with a lender you have not selected or a new purpose. We will seek fresh consent where required after expiry. You may withdraw consent by emailing support@loanconnectapp.com with the subject “Removal of Consent”. We will process a valid withdrawal request within 72 hours and communicate it to the relevant selected Lenders. Withdrawal does not affect prior lawful processing, existing loan obligations or records required by applicable law.
Loan Connect does not send promotional calls, SMS, WhatsApp messages, emails or push notifications. We may provide necessary account, security, support or legal notices through the Platform or the contact details you give us.
The Lender you select may contact you about your enquiry and send offers through its own channels, subject to its privacy notice, your communication preferences and applicable consent requirements. You may use its opt-out channels or contact our support team for help with a referral-related complaint.
Authorised staff and service providers may review support communications, referral events and technical logs, including through automated checks, for support, fraud prevention, security and legal compliance. This is limited to information handled through Loan Connect as described in our Privacy Policy; it does not authorise access to your private messages, SMS inbox or call logs.
9. Acceptable use and intellectual property
You may use the Platform for your own lawful loan discovery and referral needs. You must not misuse another person’s information, submit fraudulent details, interfere with security, introduce malicious code, scrape personal information, or use automated means to disrupt the Platform. You must not harass or threaten others, infringe their rights, bypass access controls, probe systems without written authorisation, or reverse engineer or decompile the Platform except where permitted by law. We may apply reasonable usage limits to prevent abuse and maintain availability. Promptly report suspected security incidents to support@loanconnectapp.com.
We or our licensors own the Platform’s software, branding and original content. Subject to these Terms, you receive a limited, non-exclusive and non-transferable permission to use the Platform for its intended purpose. You may not reproduce or commercially exploit our software or content without permission, except to the extent permitted by law. Lender names and marks belong to their respective owners.
You retain your rights in the information you provide. You authorise us to use it only for the purposes described in the Privacy Policy and the choices you make.
10. Availability and third party services
We take reasonable care to operate the Platform, but access may be interrupted by maintenance, technical faults or events beyond our reasonable control. We do not promise uninterrupted access or that every listing will remain available. Features may be changed, tested, updated or discontinued, subject to applicable law and our notice obligations. We do not promise a particular future feature or upgrade. To the extent permitted by law, the Platform is provided as available without a warranty that it will be error-free. The safeguards and exceptions in section 11 apply.
Lenders control their own websites, apps and loan services. Their terms and privacy policies apply to activities on those services. We are not responsible for a Lender’s independent credit decision or its separate contractual obligations. This does not exclude our responsibility for our own acts, omissions, misleading statements or obligations imposed by law.
11. Responsibility and liability
To the extent permitted by law, we do not give an implied guarantee of loan approval, a particular financial outcome or the suitability of a loan. You should make a borrowing decision only after understanding its cost and your repayment obligations.
To the extent permitted by law, neither party is liable to the other for indirect or consequential losses that were not reasonably foreseeable when these Terms were accepted. This clause does not exclude liability for fraud, wilful misconduct, gross negligence, breach of confidentiality or data-protection obligations, or any liability or remedy that cannot lawfully be limited.
Nothing in these Terms waives your rights under consumer-protection, privacy, digital-lending or other applicable law, limits a Lender’s regulatory responsibility, or prevents you from approaching a regulator, ombudsman or competent consumer forum.
12. Suspension and account closure
We may restrict or suspend access where reasonably necessary to address suspected fraud, a material breach of these Terms, a security threat or a legal requirement. We will give an explanation and an opportunity to contact support where lawful and practicable. We may also discontinue the service with reasonable notice where practicable.
You may request account deletion through the in-app deletion flow, https://loanconnectapp.com/delete-account or support@loanconnectapp.com. We process valid, verified requests within 7 working days, subject to the limited retention exceptions in our Privacy Policy. Deleting your account does not cancel a lender application or loan, erase the Lender’s records or end repayment obligations.
13. Support and complaints
For support, privacy requests, legal notices or complaints, email support@loanconnectapp.com or call +91 8217025159. You may also contact the grievance officer below.
Nodal Grievance Redressal Officer: Sajal Khanna
Email: support@loanconnectapp.com
Telephone: +91 8217025159
Postal address: 1190/1, 4th floor, 22nd Cross Road, Sector 3, HSR Layout, Bangalore 560102
We aim to respond to complaints within 72 hours and resolve them within 30 days, or any shorter period required by applicable law. For lender-related complaints, we will help direct or forward the issue to the relevant Lender. You may also approach its grievance officer directly using the contact details on its website.
For eligible complaints under the RBI Integrated Ombudsman Scheme, you may approach https://cms.rbi.org.in if the Lender rejects your complaint wholly or partly, you are dissatisfied with its reply, or it does not reply within 30 days of receiving your complaint, subject to the Scheme’s conditions. You do not need to complete consecutive 30-day waits with us and the Lender. Other legal remedies remain available.
14. Changes to these terms
We may update these Terms as our service or applicable law changes. Revised Terms will be posted on the Platform with an updated date. We will notify you of material changes through the Platform or your registered contact details. Continued use after they take effect constitutes acceptance, except where applicable law requires fresh acceptance or consent.
15. Governing law and general provisions
Indian law governs these Terms. Subject to mandatory consumer and other statutory jurisdiction rules, courts at Bengaluru, Karnataka have jurisdiction over disputes. Your right to approach another competent court, consumer forum, regulator or ombudsman under applicable law is preserved.
If a provision is unenforceable, the remaining provisions continue to apply to the extent lawful. A failure to enforce a provision on one occasion is not a waiver. These Terms and the documents expressly incorporated into them govern our platform relationship; the Privacy Policy governs our disclosed data practices, and your separate loan contract governs the Lender relationship. Mandatory law prevails over any inconsistent provision. You may not transfer your account or contractual rights to another person without our written consent. We may transfer our contractual rights and obligations as part of a lawful business transfer, with notice and without reducing your statutory rights; any personal-data transfer remains subject to the Privacy Policy. Obligations which by their nature continue after closure, including intellectual-property protection, confidentiality, accrued liabilities, indemnity and dispute provisions, survive to that extent.
For notices to Tarini Networks Private Limited, use support@loanconnectapp.com or our registered office address above. We may send service and legal notices to your registered contact details or display them in the Platform where permitted by law. Keep your contact information current; mandatory notice or service requirements take precedence.
16. Indemnity for misuse
To the extent permitted by law, you agree to reimburse Tarini Networks Private Limited for reasonable, documented losses, liabilities and legal costs arising from third-party claims caused by your fraud, deliberate misuse of the Platform, material breach of these Terms or infringement of another person’s rights. This does not cover loss attributable to our own breach, negligence or misconduct, or a Lender’s independent conduct.
We will notify you of a claim within a reasonable time and give you a reasonable opportunity to respond and assist in its defence. We will not agree to a settlement that imposes an admission or non-monetary obligation on you without your consent. This clause does not limit any non-excludable consumer rights.
17. Confidential information and court remedies
If we give you non-public business or technical information clearly identified as confidential, or whose confidential nature is reasonably apparent, use it only for its intended purpose and do not disclose it without authority. This does not restrict information already public, independently developed or lawfully received elsewhere. Your own loan terms, personal information, truthful reviews and complaints to advisers, regulators or courts are not restricted by this clause. Disclosure required by law is permitted.
Where misuse of the Platform or infringement of intellectual-property or confidentiality rights threatens harm, either party may seek appropriate interim or injunctive relief from a competent court. The court determines entitlement to relief; these Terms do not presume that either party has proved its case.