Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website located at https://unloan.in ("Website"), operated by UnLoan Financial Media ("we," "us," or "our"), based in Coimbatore, Tamil Nadu, India.

By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our Website.

These Terms apply to all visitors, users, and others who access the Website.

2. Nature of the Website

UnLoan.in is an information and educational platform that provides general information about loans, interest rates, bank comparisons, credit scores, government loan schemes, and related financial topics in the Indian context.

3. Not Financial Advice

The content published on UnLoan.in, including but not limited to articles, guides, comparisons, calculators, and data tables, is provided for general informational and educational purposes only. It does not constitute:

• Financial advice or planning
• Investment advice or recommendations
• Legal advice
• Tax advice or planning
• An offer, solicitation, or recommendation to buy, sell, or hold any financial product
• A guarantee of loan approval, interest rates, or eligibility

You should always consult with a qualified financial advisor, chartered accountant, or legal professional before making any financial decisions. Your individual financial situation, risk tolerance, and goals are unique, and the general information on our website may not be suitable for your specific circumstances.

4. Information Accuracy

We make reasonable efforts to ensure that the information published on UnLoan.in is accurate, current, and sourced from reliable references such as official bank websites, RBI publications, and government portals. However:

• Interest rates, fees, charges, and terms change frequently and may differ from what is displayed on our website at any given time.
• Eligibility criteria vary based on individual circumstances (income, credit score, employment type, location) and are subject to the lender's discretion.
• Government scheme details, subsidies, and deadlines may change without prior notice.
• Calculator results are estimates based on standard mathematical formulas and may not reflect the exact figures offered by lenders.

Always verify the latest rates, terms, and eligibility criteria directly with the bank or NBFC before making any financial decisions. We are not liable for any discrepancies between the information on our website and the actual terms offered by lenders.

5. User Responsibilities

By using UnLoan.in, you agree to:

• Use the Website only for lawful purposes and in accordance with these Terms.
• Verify all loan-related information directly with the relevant bank, NBFC, or government authority before acting on it.
• Not rely solely on information from this Website for making financial decisions.
• Not use the Website in any way that could damage, disable, overburden, or impair it.
• Not attempt to gain unauthorized access to any part of the Website, its servers, or any connected systems.
• Not use automated tools, bots, scrapers, or crawlers to access or extract content from the Website without our prior written consent.
• Not reproduce, distribute, modify, or create derivative works from our content without authorization.
• Not misrepresent our content as professional financial advice when sharing it with others.

6. Intellectual Property

6.1 Our Content

All content on UnLoan.in, including but not limited to text, articles, guides, data tables, graphics, logos, icons, images, calculator interfaces, code, and the overall design and layout of the Website, is the intellectual property of UnLoan Financial Media and is protected by Indian copyright law (Copyright Act, 1957) and international copyright treaties.

You may not, without our prior written permission:

• Copy, reproduce, or duplicate any content from this Website
• Distribute, publish, or broadcast our content
• Modify, adapt, or create derivative works based on our content
• Scrape, data-mine, or use automated tools to extract content
• Frame or mirror any part of our Website on another website
• Use our content for commercial purposes

6.2 Permitted Use

You are permitted to:

• View and read content on the Website for personal, non-commercial use
• Share links to our pages on social media or other platforms
• Print pages for personal reference
• Quote brief excerpts (up to 100 words) with proper attribution and a link back to the original page

6.3 Trademarks

"UnLoan," "UnLoan.in," the UnLoan logo, and "Your Guide to Better Loans" are trademarks of UnLoan Financial Media. You may not use these marks without our prior written consent.

All other trademarks, bank names, product names, and logos mentioned on this Website are the property of their respective owners and are used for informational identification purposes only. Their use does not imply endorsement by or affiliation with UnLoan.in.

7. Third-Party Links

Our Website contains links to third-party websites, including official bank websites, RBI portals, government scheme pages, and other external resources. These links are provided for your convenience and information.

We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Visiting external links is at your own risk. We encourage you to review the terms and privacy policies of any website you visit through links on our platform.

8. Calculators and Tools

The calculators and tools available on UnLoan.in (including the EMI calculator, eligibility calculator, loan comparison tool, prepayment calculator, balance transfer calculator, and stamp duty calculator) are provided as estimation tools only.

• Results are based on standard mathematical formulas and the inputs you provide.
• Actual EMIs, eligibility amounts, and other figures may differ based on the lender's calculations, additional fees, processing charges, and other factors.
• Calculator results do not constitute an offer of credit or a guarantee of any terms.
• We do not guarantee the accuracy of calculator results and are not liable for decisions made based on them.

9. Advertising

UnLoan.in displays third-party advertisements through Google AdSense. These advertisements:

• Are clearly distinguishable from our editorial content.
• Do not influence our editorial decisions, comparisons, or recommendations.
• Are served by Google and may be personalized based on your browsing history (subject to your ad preferences and our Privacy Policy).
• Should not be construed as endorsements by UnLoan.in.

We are not responsible for the content, accuracy, or practices of advertisers. Any transaction you enter into with an advertiser is solely between you and the advertiser.

10. Limitation of Liability

To the fullest extent permitted by applicable Indian law:

• UnLoan.in and its owner, Arjun Krishnamurthy, shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Website.
• This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.
• We are not liable for any financial losses incurred as a result of acting on information published on this Website.
• We are not liable for the accuracy, completeness, or timeliness of information provided by third parties, including banks, NBFCs, and government bodies.
• Our total liability to you for any claim arising from or related to these Terms or the Website shall not exceed INR 1,000 (Indian Rupees One Thousand).

11. Indemnification

You agree to indemnify, defend, and hold harmless UnLoan Financial Media, its owner, and its affiliates from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of a third party
• Any content or information you submit or transmit through the Website

12. Disclaimer of Warranties

The Website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Website will be uninterrupted, error-free, secure, or free of viruses
• Warranties regarding the accuracy, reliability, or completeness of any content
• Warranties that the results obtained from the use of the Website (including calculators) will be accurate or reliable

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on this page. We will update the "Last Updated" date at the top of this page to reflect the most recent revision.

Your continued use of the Website after any changes to these Terms constitutes acceptance of the modified Terms. We encourage you to review this page periodically.

14. Termination

We reserve the right to restrict, suspend, or terminate your access to the Website at any time, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.

All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and UnLoan Financial Media regarding your use of the Website and supersede all prior agreements, communications, and understandings.

17. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts in Coimbatore, Tamil Nadu, India.

Before initiating any legal proceedings, you agree to attempt to resolve the dispute informally by contacting us at contact@unloan.in. We will make reasonable efforts to resolve the matter amicably.

18. Contact Information

For any questions or concerns about these Terms of Service, please contact us:

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