Terms and Conditions for Mudra Finance India

Last Updated: 19-08-2025

1. Acceptance of Terms

Welcome to Mudra Finance India ("we," "us," "our," "Platform"). By accessing or using our website located at https://mudraloangov.live/ (the "Website"), you ("User," "you," "your") acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("T&C"), our Privacy Policy, and all applicable laws and regulations.

If you do not agree with any part of these terms, you must not use our Website or our services.

2. Services Offered

Mudra Finance India operates as a digital financial intermediary and advisory platform. We provide:

• Loan Aggregation and Matching: We connect potential borrowers with banks, Non-Banking Financial Companies (NBFCs), and other financial institutions ("Lending Partners") based on the information provided by you.
• Financial Advisory: We offer information, tools, and guidance to help you understand various loan products (e.g., personal loans, business loans, home loans, loan against property).
• Application Facilitation: We provide a platform to facilitate the submission of your loan application to our Lending Partners.

Crucial Disclaimer: Mudra Finance India is NOT a lender and does not directly provide loans or make credit decisions. We do not guarantee loan approval, specific interest rates, fees, or terms. The final loan approval, terms, conditions, and disbursement are solely at the discretion of our Lending Partners, based on their internal policies, eligibility criteria, and a credit assessment which may involve checking your credit score with credit bureaus like CIBIL, Experian, etc.

3. User Eligibility

To use our services, you must:

• Be a legal resident of India.
• Be at least 18 years of age and possess the legal capacity to enter into a binding contract.
• Provide true, accurate, current, and complete information about yourself as prompted by our application forms.

4. User Account and Information

• Accuracy: You are solely responsible for the accuracy, completeness, and authenticity of the information you submit.
• Account Security: If you create an account, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• Consent for Communication: By providing your contact information (phone number, email), you expressly consent to receive communications from us and our Lending Partners regarding your application, promotional offers, and service-related updates via calls, SMS, WhatsApp, and email. This consent overrides any DND (Do Not Disturb) registration. You can opt-out of promotional communications at any time.

5. Privacy and Data Security

Your privacy is critically important to us. Our Privacy Policy, which is incorporated into these T&C by reference, explains in detail how we collect, use, store, and protect your personal and financial information. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate.

6. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Mudra Finance India or its content suppliers and is protected by Indian and international copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written permission.

7. Prohibited Activities

You agree not to:

• Use the Website for any unlawful purpose.
• Submit false, inaccurate, or misleading information.
• Use any automated means, including bots, spiders, or scrapers, to access the Website for any purpose.
• Attempt to gain unauthorized access to any part of the Website or its systems.
• Interfere with or disrupt the Website or servers connected to the Website.

8. Third-Party Links

Our Website may contain links to third-party websites, including the websites of our Lending Partners. These links are provided for your convenience only. We have no control over the content of these sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Your interactions with these third parties are solely between you and the third party.

9. Limitation of Liability and Disclaimer

The Website and all information, content, materials, and services are provided on an "as is" and "as available" basis.

To the fullest extent permitted by applicable law, Mudra Finance India, its directors, employees, and agents expressly disclaim all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the service.
• Any conduct or content of any third party (including Lending Partners) obtained through the service.
• Unauthorized access, use, or alteration of your transmissions or content.
• Any loan rejection, terms offered by a lender, or disputes between you and a lender.

10. Indemnification

You agree to indemnify, defend, and hold harmless Mudra Finance India and its affiliates, officers, agents, and employees from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Website.
• Your violation of any term of these T&C.
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right.
• The accuracy of the information you provided.

11. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law provisions.

Any dispute, claim, or controversy arising out of or relating to these T&C or the breach, termination, enforcement, interpretation, or validity thereof shall be subject to the exclusive jurisdiction of the courts located in Mumbai, Maharashtra, India.

We encourage you to first contact us directly at support@mudraloangov.live to seek a resolution.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. The "Last Updated" date at the top will reflect the most recent changes. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.

13. Grievance Officer

In compliance with the Information Technology Act, 2000 and rules made thereunder, the name and contact details of the Grievance Officer are provided below:

Name: Ajay Mathur
Email: grievance@mudraloangov.live
Address: SWAVALAMBAN BHAVAN, C-11, G-BLOCK, BANDRA KURLA COMPLEX, BANDRA EAST, MUMBAI – 400 051

14. Contact Us

If you have any questions about these Terms and Conditions, please contact us at:

Email: Info@mudraloangov.live
Website: https://mudraloangov.live/#contact