Disclaimer

2. No Guarantee of Loan Approval

Cashmela cannot and does not guarantee:

• Approval of your loan application by any lender
• Best or competitive interest rates
• Quick disbursement (timelines depend on lenders)
• Specific loan amounts or terms
• Processing within any guaranteed timeframe
• Matching with any specific lender

3. Financial & Investment Information Disclaimer

All financial information, articles, guides, calculators, and tools available on Cashmela are provided for general educational and informational purposes only. They are NOT investment advice, financial advice, or legal advice.

Accuracy of Information: While we strive to maintain accurate information, we do not guarantee:

• Accuracy, completeness, or timeliness of all content
• That calculations are free from errors
• That interest rates displayed are current or binding
• That all lender offers are still available

Consult Professionals: For investment, tax, or legal decisions, please consult qualified financial advisors, chartered accountants, or lawyers.

4. Calculator Limitations

EMI calculators, eligibility assessments, and other financial tools on Cashmela are:

• Provided for approximate calculations only
• Not binding or definitive
• Subject to variations based on different lender criteria
• May not account for processing fees, insurance, or other charges
• Should not be considered as actual loan terms

Actual Loan Terms: Final EMI, interest rate, and terms will be determined by the lender and may differ significantly from calculator results.

5. Data & Personal Information

By using Cashmela and submitting your information:

• You authorize us to share your data with lending partners for loan processing
• You understand that lenders will conduct credit checks and verify information
• You acknowledge that multiple enquiries may impact your credit score
• You consent to receiving communications from Cashmela and lenders

Credit Impact: Each lender enquiry may result in a hard enquiry to credit bureaus (CIBIL, Experian, etc.), which can temporarily lower your credit score. Cashmela is not responsible for credit score changes.

6. Third-Party Content & Links

Cashmela may contain links to third-party websites (lender websites, financial blogs, regulatory sites). We are not responsible for:

• Content, accuracy, or practices of third-party sites
• Changes or unavailability of external links
• Privacy practices of third-party websites
• Technical issues on linked sites

Your Responsibility: Review third-party terms and policies before using their services.

7. Regulatory Compliance

All lending partners on Cashmela are RBI-regulated entities (banks and NBFCs). However:

• Cashmela is not a regulated entity under RBI, SEBI, or other financial regulators
• We do not fall under deposit insurance schemes
• We do not have regulatory licensing like banks or NBFCs
• Regulation applies to lending partners, not to our comparison/matching services

8. Platform Availability & Technical Issues

Cashmela is provided on an "AS IS" basis. We do not warrant:

• Uninterrupted availability of the Platform
• Freedom from errors, bugs, or technical issues
• Data backup or recovery services
• Compatibility with all devices or browsers

Maintenance & Downtime: Cashmela may undergo scheduled or emergency maintenance, during which services may be temporarily unavailable.

9. Risk Acknowledgment

By using Cashmela, you acknowledge and assume the following risks:

• Risk of your personal information being shared with lenders
• Risk of credit score impact from multiple enquiries
• Risk of receiving unsolicited communications from lenders
• Risk of loan terms being unfavorable compared to expectations
• Risk of loan rejection despite using our platform
• Risk of identity theft or unauthorized use of information

10. No Liability for Lender Actions

Cashmela is NOT responsible or liable for:

• Lender policies, practices, or decisions
• Unfair or deceptive practices by lenders
• Delays in loan processing or fund disbursement
• Hidden charges or undisclosed fees by lenders
• Breach of privacy by lenders
• Quality of customer service from lenders

Lender Disputes: Complaints against lenders should be directed to the respective lender's grievance redressal department or the RBI.

11. Limitation of Liability

Our total liability to you shall not exceed any amount paid by you to Cashmela (if any) in the preceding 12 months.

12. No Professional Advice

Nothing on Cashmela constitutes advice. We provide:

• General informational content for educational purposes
• Loan comparison tools without recommendations
• Financial guides without personalized advice

You must independently evaluate whether a loan product is suitable for your financial situation. Consider consulting with financial professionals before borrowing.

13. Responsible Lending

Cashmela is committed to responsible lending practices. However:

• We encourage borrowing only when necessary
• Compare interest rates and review loan terms carefully
• Ensure you can afford the EMI before borrowing
• Avoid over-borrowing that could lead to financial distress

If you have concerns about predatory lending or unfair practices, report to the RBI or consumer forums.