Disclaimer

1. General Information Only

UnLoan.in is an independent information platform that publishes articles, guides, comparisons, and tools related to loans, interest rates, banks, credit scores, and government schemes in India. The content on this website is intended to educate and inform readers about general lending concepts and practices.

The information provided should be used as a starting point for your research, not as a substitute for professional advice. Every individual's financial situation is unique, and the general information on our website may not be applicable to or appropriate for your specific circumstances.

2. Not Financial, Legal, or Tax Advice

UnLoan.in and its founder, Arjun Krishnamurthy, are not:

• Registered financial advisors or planners
• Certified public accountants or chartered accountants
• Licensed tax consultants
• Legal professionals or advocates
• Banking or insurance agents
• SEBI-registered investment advisors
• Loan brokers, agents, or intermediaries

We do not provide personalized financial planning, investment recommendations, legal opinions, or tax guidance. For any decisions involving loans, investments, taxes, or legal matters, we strongly recommend consulting qualified professionals:

• A SEBI-registered financial advisor for investment and financial planning
• A chartered accountant (CA) for tax-related matters
• A legal professional for matters involving contracts or disputes
• Your bank's loan officer for specific loan terms and eligibility

3. Information Accuracy and Limitations

While we make every reasonable effort to ensure that the information on UnLoan.in is accurate and up-to-date, we cannot guarantee its completeness, accuracy, or timeliness. Specifically:

3.1 Interest Rates

Interest rates displayed on our website are sourced from official bank websites and public disclosures at the time of research. However:

• Banks may change their rates at any time without prior notice.
• The rate offered to you may differ based on your credit profile, income, employment type, loan-to-value ratio, and other factors.
• Promotional or festive rates may be time-limited and may have expired.
• Processing fees, prepayment charges, and other costs may apply but may not be reflected in the rates shown.

3.2 Eligibility Criteria

Eligibility information published on our website represents general guidelines. Actual eligibility is determined by the lender based on their internal assessment criteria, which may include factors not covered on our website. Meeting the eligibility criteria shown on our website does not guarantee loan approval.

3.3 Government Schemes

Information about government schemes (PMAY, Mudra Loan, Stand-Up India, etc.) is sourced from official government portals. However, scheme guidelines, eligibility criteria, subsidy amounts, and deadlines may change. We recommend checking the relevant government portal or visiting your nearest bank branch for the most current information.

3.4 Calculator Results

The calculators on UnLoan.in (EMI calculator, eligibility calculator, prepayment calculator, etc.) provide estimates only. These estimates:

• Are based on standard mathematical formulas (such as the reducing balance method for EMI)
• Do not account for processing fees, insurance premiums, GST on processing fees, or other bank-specific charges
• May use simplifications that result in minor differences from the bank's actual calculations
• Should not be treated as loan offers, commitments, or guarantees

4. No Guarantee of Loan Approval

Nothing on UnLoan.in should be interpreted as a guarantee that you will be approved for a loan, receive a specific interest rate, or qualify for any particular loan product or government subsidy. Loan approval decisions are made entirely by the lending institution based on their proprietary assessment of your creditworthiness, income, and other factors.

Using our eligibility calculators or reading our guides does not create any assurance, promise, or obligation regarding loan approval from any lender.

5. Third-Party Links and Content

UnLoan.in contains links to external websites, including:

• Official bank and NBFC websites
• Reserve Bank of India (RBI) publications
• Government scheme portals (PMAY, Mudra, etc.)
• Credit bureau websites (CIBIL, Experian, etc.)
• Other financial information resources

These links are provided for your convenience and reference. We do not:

• Control or endorse the content of any linked third-party website
• Guarantee the accuracy or availability of external content
• Assume responsibility for the privacy practices of linked websites
• Accept liability for any loss or damage arising from your use of third-party websites

We recommend reviewing the terms of service and privacy policies of any third-party website before providing your personal or financial information.

6. Advertising Disclaimer

UnLoan.in displays advertisements through Google AdSense. These advertisements:

• Are served by Google's advertising network and are not curated or endorsed by UnLoan.in
• May include advertisements from banks, NBFCs, or financial product companies
• Do not represent our recommendation or endorsement of the advertised products or services
• Are clearly distinguishable from our editorial content

The presence of an advertisement on our website does not imply any relationship, partnership, or endorsement between UnLoan.in and the advertiser. Any transaction you enter into with an advertiser is solely between you and the advertiser.

7. No Professional Relationship

Your use of UnLoan.in does not create a professional-client relationship of any kind between you and UnLoan Financial Media or Arjun Krishnamurthy. No fiduciary duty, advisory relationship, or duty of care is created by your access to or use of this website.

8. User Responsibility

As a user of UnLoan.in, you are solely responsible for:

• Verifying all information directly with the relevant bank, NBFC, or government authority before taking any financial action
• Conducting your own due diligence before applying for any loan or financial product
• Reading and understanding the terms and conditions of any loan agreement before signing
• Seeking professional advice appropriate to your specific financial situation
• Ensuring that any loan or financial decision you make is suitable for your circumstances

9. Limitation of Liability

To the maximum extent permitted by applicable Indian law, UnLoan Financial Media, its owner Arjun Krishnamurthy, and any contributors shall not be held liable for:

• Any errors, inaccuracies, or omissions in the content published on this website
• Any financial loss, damage, or harm arising from the use of, or reliance on, information provided on this website
• Any decision made or action taken based on information from this website
• The non-availability or interruption of the website
• Any viruses, malware, or harmful components transmitted through the website or linked third-party sites
• Any loss arising from unauthorized access to or use of our servers or any personal information stored therein

10. Professional Advice Recommendation

11. Changes to This Disclaimer

We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on this page. The "Last Updated" date at the top of this page reflects the most recent revision. We encourage you to review this disclaimer periodically.

12. Governing Law

This Disclaimer is governed by the laws of India. Any disputes arising out of or in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the courts in Coimbatore, Tamil Nadu, India.

13. Contact Us

If you have questions about this Disclaimer or believe any information on our website is inaccurate, please contact us:

• Email: contact@unloan.in
• Editorial Corrections: editorial@unloan.in
• Postal Address: UnLoan Financial Media, Office 412, Tidel Park, ELCOT SEZ, Peelamedu, Coimbatore - 641014, Tamil Nadu, India