Terms and Conditions

• • Ratecut.in is an online platform that connects users ("you" or "customer") with third-party banks, NBFCs, and financial institutions offering loans, credit cards, and related financial products.
• • We are not a bank, NBFC, lender, or credit card issuer.
• • We act solely as a lead generation and referral platform and do not provide loans, issue credit cards, or guarantee approvals.
• • All loan and credit card approvals are at the sole discretion of the respective financial institution.

• • You are an Indian resident aged 18 years or above.
• • You have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872.

You agree to provide accurate, complete, and updated information when filling out any form or application on Ratecut.in. Providing false or misleading information may result in rejection of your application by our partner institutions and may attract legal consequences under applicable laws.

• • Submission of your details through Ratecut.in does not guarantee approval of any financial product.
• • Approval, interest rates, credit limits, and other terms are determined exclusively by the respective bank/NBFC based on their internal credit policies.

• • The content, accuracy, or practices of such third-party websites.
• • Any agreements, transactions, or disputes between you and third parties.

• • Your personal information will be collected, stored, and shared with our financial partners for the purpose of processing your application.
• • Our use of your data is governed by our Privacy Policy (available on our Website).
• • By submitting your details, you consent to receive calls, SMS, WhatsApp messages, and emails from our company and partner institutions, as permitted under TRAI regulations.

• • We are not liable for any loss, damage, or expense arising from the use of our Website or services.
• • We are not responsible for decisions made by partner institutions regarding your application.

• • Use the Website for fraudulent or unlawful purposes.
• • Misrepresent your identity or financial situation.
• • Engage in any activity that disrupts or interferes with Website functionality.

We may update or revise these Terms at any time without prior notice. Continued use of the Website after such changes constitutes your acceptance of the updated Terms.

These Terms are governed by the laws of India.