Disclaimer

1. General Disclaimer

The information contained on this website is provided for general informational purposes only. While we strive to keep the information up-to-date and accurate, we make no representations or warranties of any kind, express or implied, about:

• The completeness, accuracy, reliability, or suitability of the information
• The availability of loan products from any particular lender
• The interest rates, fees, or terms offered by lenders
• The performance or reliability of our platform

2. Financial Information Disclaimer

The financial information, calculators, and tools provided on this platform are for illustrative purposes only. They should not be construed as:

• Professional financial advice
• Tax advice or planning
• Investment recommendations
• A substitute for consultation with qualified financial advisors

We recommend that you consult with qualified financial professionals before making any financial decisions. Your financial situation is unique, and the information provided may not be appropriate for your specific circumstances.

3. Interest Rates and Fees

Interest rates displayed on our platform:

• Are indicative and subject to change without notice
• May vary based on your credit score, income, and other factors
• Are determined solely by the respective lenders
• May not include additional charges such as processing fees, insurance, etc.

The actual interest rate offered to you will be determined by the lender based on their assessment of your application. PaisaWay has no control over the rates offered by lenders.

4. Third-Party Lenders

Our platform displays products from various RBI-registered banks and NBFCs. Please note:

• Each lender has their own terms, conditions, and privacy policies
• We are not responsible for the actions, products, or services of these lenders
• Loan agreements are between you and the respective lender
• Any disputes regarding loans should be addressed directly with the lender
• We do not endorse any particular lender or financial product

5. Eligibility Assessment

Our eligibility assessment tools provide preliminary estimates based on the information you provide. These assessments:

• Are not binding on any lender
• Do not constitute a loan offer or pre-approval
• May differ from actual eligibility as determined by lenders
• Are based on limited information and may not account for all factors

6. EMI Calculators

The EMI calculations provided on our platform are for illustrative purposes only and are based on standard reducing balance method. Actual EMI may vary based on the lender's calculation methodology, rounding practices, and any additional fees or insurance premiums that may be included in the loan.

7. Regulatory Compliance

PaisaWay operates in accordance with applicable laws and regulations, including:

• RBI Guidelines on Digital Lending
• Information Technology Act, 2000
• IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• TRAI regulations regarding promotional communications

All partner lenders on our platform are RBI-registered entities. We verify the regulatory status of our partners but recommend users independently verify the same.

8. User Responsibility

Users are responsible for:

• Providing accurate and complete information
• Reading and understanding loan terms before accepting any offer
• Ensuring they have the capacity to repay the loan
• Reviewing the lender's terms, conditions, and privacy policy
• Making informed decisions based on their financial circumstances

9. Limitation of Liability

In no event shall PaisaWay, its directors, employees, partners, or affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, reliance on any information provided, or any loan product obtained through our platform. This limitation applies to the fullest extent permitted by applicable law.

10. Fraud Warning

11. Contact Us

If you have any questions about this disclaimer or need clarification, please contact us: