Terms & Conditions

2. Service Description

Cashmela provides the following services:

• Loan Comparison: Comparing personal loans, business loans, and debt consolidation products from multiple lenders
• Financial Calculators: EMI calculators, eligibility assessments, and debt management tools
• Loan Matching: Matching qualified applicants with suitable loan products from partner lenders
• Educational Content: Providing articles, guides, and information on personal finance and loans
• Lead Facilitation: Submitting your application details to partner lending institutions for processing

3. User Eligibility & Requirements

By using Cashmela, you confirm that:

• You are at least 18 years of age
• You are a resident of India with a valid PAN or Aadhaar
• You have the legal capacity to enter into binding agreements
• You are not barred from accessing online financial services by law
• All information you provide is accurate, complete, and truthful
• You are using the Platform for lawful purposes only
• You have a stable internet connection and compatible device

4. User Responsibilities & Code of Conduct

As a user of Cashmela, you agree NOT to:

• Provide false, misleading, or fraudulent information
• Submit forms with the intent to spam, misuse, or disrupt the platform (By submitting a form, you consent to your IP address and timestamp being recorded for security, fraud prevention, and auditing purposes)
• Use multiple accounts to circumvent our systems or policies
• Attempt to hack, breach, or compromise platform security
• Harvest or collect personal data from the Platform without authorization
• Use the Platform for illegal activities, money laundering, or fraud
• Harass, abuse, or discriminate against other users or staff
• Upload viruses, malware, or harmful code to the Platform
• Engage in any form of identity theft or misrepresentation
• Bypass or disable any security features or controls
• Sell, trade, or transfer your account access to others

Violation of these responsibilities may result in immediate suspension or permanent termination of your account and possible legal action.

5. Intellectual Property Rights

All content, including but not limited to text, graphics, logos, images, calculators, tools, and software on Cashmela are the exclusive property of Cashmela or its content suppliers and are protected by international copyright and trademark laws.

Limited License: We grant you a non-exclusive, non-transferable, limited license to access and use the Platform for personal, non-commercial purposes only. This license does not permit you to:

• Reproduce or duplicate any content
• Modify or create derivative works
• Distribute or resell content
• Remove or alter copyright notices

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Cashmela is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind
• We disclaim all express and implied warranties, including fitness for a particular purpose
• We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Platform
• Our total liability to you shall not exceed the amount you paid to us (if any) in the 12 months preceding the claim
• We are not responsible for delays, failures, or errors in connecting you with lenders
• We do not guarantee loan approval or specific interest rates

Important: Loan decisions, interest rates, and terms are determined solely by the lending partner, not by Cashmela.

7. Indemnification

You agree to indemnify, defend, and hold harmless Cashmela, its owners, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your violation of these Terms and Conditions
• Your use of the Platform or services
• Your violation of any applicable laws or regulations
• Your violation of third-party rights
• Any false or misleading information you provide

8. Third-Party Services & Links

Cashmela may contain links to third-party websites and services. We do not control, endorse, or assume responsibility for the content, accuracy, or practices of these external sites. Your use of third-party services is at your own risk and governed by their terms and conditions.

When you apply for a loan through Cashmela, your information is shared with lending partners who are RBI-regulated but are separate entities. Their terms, privacy policies, and practices apply to their services.

9. Data, Privacy & Security

Your use of Cashmela is also governed by our Privacy Policy. Please review it carefully to understand our data collection, usage, and protection practices.

10. Modification of Terms

Cashmela reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the Platform. Your continued use of Cashmela after any modifications constitutes your acceptance of the updated Terms. We encourage you to review this page periodically for any changes.

11. Termination of Account

Cashmela may suspend or terminate your account immediately, without notice, if:

• You violate these Terms and Conditions
• You engage in fraudulent or illegal activities
• You provide false information
• We believe your account poses a security risk

Upon termination, your right to use the Platform ceases immediately. Surviving provisions of these Terms will continue to apply.

12. Governing Law & Dispute Resolution

These Terms and Conditions are governed by and construed in accordance with the laws of India, without regard to conflicts of law principles.

Alternative Dispute Resolution (ADR): Before pursuing legal action, we encourage parties to attempt resolution through good faith negotiation. If a dispute cannot be resolved, it shall be subject to the exclusive jurisdiction of courts in India.

Regulatory Complaints: If you have complaints related to lending practices, you may escalate to the Reserve Bank of India (RBI) or file a complaint with the Reserve Bank-Integrated Ombudsman Scheme (RBIOS).