Effective Date: 30-12-2025

Welcome to Dhanmitra. By accessing, browsing, or using our website, mobile application, or any of our loan and financial services, you agree to be bound by these Terms & Conditions along with our Privacy Policy. If you do not agree with any part of these terms, you must discontinue use of our services. You confirm that you are at least 18 years of age and legally competent to enter into a binding agreement under applicable Indian laws.

Dhanmitra operates as a loan service provider, facilitator, or aggregator that connects customers with banks, NBFCs, and other regulated financial institutions. We do not act as a lender unless explicitly stated, and we do not guarantee loan approval. All loan approvals, rejections, interest rates, tenures, fees, and disbursal decisions are solely determined by the respective lending institutions in accordance with their internal policies and regulatory guidelines.

To use our services, you must be an Indian resident and provide complete, accurate, and up-to-date personal, financial, and KYC information. You acknowledge that providing false, misleading, or incomplete information may result in rejection of your application, suspension of services, or legal action, as applicable.

By using our platform, you agree to use it only for lawful purposes and accept full responsibility for the accuracy of the information you submit. You agree not to misuse, copy, modify, distribute, or attempt to gain unauthorized access to any part of the website, systems, or content. Where applicable, you are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your account.

Loan processing timelines, disbursal schedules, and final loan terms may vary based on lender policies, documentation requirements, and verification processes. Dhanmitra shall not be held responsible for delays, rejections, or changes in loan terms made by the lending institution. Any service fees charged by us, if applicable, will be disclosed transparently. Lender-imposed charges such as processing fees, late payment penalties, foreclosure charges, or interest variations shall be governed entirely by the lender’s terms and conditions.

By submitting your information, you expressly authorize dhanmitra to obtain your credit reports from authorized credit bureaus and to share your personal and financial information with banks, NBFCs, credit bureaus, and service partners for the purpose of loan evaluation, processing, and related communication. You also consent to being contacted via phone calls, SMS, emails, or WhatsApp for service-related updates, verification, and promotional communication, subject to applicable laws.

Your personal data is collected, stored, and processed in accordance with our Privacy Policy. We implement reasonable security measures to safeguard your information; however, you acknowledge that no digital platform can guarantee absolute security. dhanmitra shall not be liable for any unauthorized access beyond its reasonable control.

All intellectual property, including but not limited to website content, design, text, logos, graphics, and trademarks, remains the exclusive property of dhanmitra. Unauthorized use, reproduction, or distribution of any content is strictly prohibited and may result in legal action.

To the maximum extent permitted by law, dhanmitra shall not be liable for any direct, indirect, incidental, or consequential losses arising from your use of our services, including but not limited to loan rejection, financial losses, data loss, system downtime, or third-party actions. Your use of the platform is at your own risk.

Our platform may include links to third-party websites or services. These are provided solely for convenience, and dhanmitra does not endorse or assume responsibility for the content, services, or privacy practices of such third parties.

We reserve the right to suspend, restrict, or terminate access to our services at any time, without prior notice, if you violate these Terms & Conditions or provide fraudulent or misleading information.

These Terms & Conditions shall be governed by and construed in accordance with the laws of India, and the courts of Mumbai/Maharashtra shall have exclusive jurisdiction. We reserve the right to modify or update these Terms & Conditions at any time, and continued use of our services shall constitute acceptance of such changes.

For any queries, concerns, or clarifications regarding these Terms & Conditions, you may contact dhanmitra , via email atgupta.aryan.aryan132@gmail.com , or by phone at 8299567274