Terms & Conditions

1. Introduction and Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Trueconnect Loan Distribution and Technology Private Limited ("Trueconnect", "Company", "we", "our", or "us"), governing your access to and use of our website, mobile platform, digital tools, applications, offline services, and all related services.

By accessing our website, submitting your information, interacting with our representatives, using our digital platform, or availing any of our services — whether online or offline — you conclusively acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, you must immediately discontinue access to and use of our services. Continued use of the Platform after any modification to these Terms constitutes your acceptance of the revised Terms.

2. About Trueconnect — Nature and Scope of Services

Trueconnect Loan Distribution and Technology Private Limited is a loan distribution and technology-enabled facilitation company registered under the Companies Act, 2013. The Company is NOT a bank, Non-Banking Financial Company (NBFC), or any other regulated lending institution.

Trueconnect acts SOLELY as an intermediary/facilitator between loan applicants and regulated financial institutions including scheduled commercial banks and RBI-registered NBFCs (collectively "Partner Lenders"). Trueconnect does NOT sanction, disburse, or hold any loan funds, nor does it undertake any credit risk.

2.1 Direct Services — Provided by Trueconnect Employees and Authorized Staff

The following services are rendered directly by employees, authorized representatives, and officially appointed personnel of Trueconnect:

• Explaining loan products available through Partner Lenders
• Assisting applicants with digital and offline loan applications
• Collecting, verifying, and forwarding required documentation to Partner Lenders
• Coordinating with Partner Lenders on behalf of applicants
• Providing application status updates to the extent information is available
• Addressing applicant queries relating to the facilitation process

2.2 Indirect Services — Channel Partners, Referral Partners, and Field Agents

Trueconnect may also facilitate loan applications through an extended network of third-party associates operating under contractual arrangements, including Channel Partners, Referral Partners and Associates, Field Executives, Marketing and Business Development Associates, and Independent Agents.

3. No Guarantee of Loan Approval or Specific Terms

Users expressly acknowledge and agree that all loan-related decisions are determined exclusively by the respective Partner Lender in accordance with its internal credit policies and applicable regulatory guidelines, including:

• Loan approval or rejection
• Sanctioned loan amount
• Rate of interest (fixed or floating)
• Repayment tenure and EMI structure
• Processing fees, documentation charges, and other associated costs
• Documentation requirements and KYC norms
• Disbursement timelines and conditions
• Loan restructuring or modification

Trueconnect expressly disclaims any guarantee, representation, or warranty regarding loan approval, any specific interest rate, processing fee, speed or timeline of processing or disbursement, or the outcome of any credit bureau check or underwriting decision. Loan eligibility and approval depend entirely on the applicant's creditworthiness, the lender's current credit policies, and applicable regulatory requirements. Trueconnect has no influence over credit decisions made by Partner Lenders.

4. User Eligibility

To access and use our services, you must satisfy ALL of the following eligibility criteria:

• You must be at least 18 (eighteen) years of age
• You must be legally competent to enter into contracts under the Indian Contract Act, 1872
• You must not be prohibited or disqualified from availing financial or credit services under any applicable law, regulation, or court order
• You must be a resident citizen or lawfully present in India at the time of applying
• You must provide true, complete, and accurate information at all times

Trueconnect reserves the right to reject, suspend, or terminate the access of any user who does not meet the above criteria or who provides false or misleading information. Trueconnect shall not be liable for any loss arising from the rejection of an ineligible application.

5. Account Registration and User Responsibilities

By registering an account or submitting your personal and financial details through our Platform, you represent, warrant, and undertake that:

• All information provided by you is true, accurate, current, and complete in all material respects
• You are applying for financial products for yourself, or you are duly authorized in writing to apply on behalf of another individual or legal entity
• You will keep your account information updated and notify Trueconnect promptly of any changes
• You will comply with all applicable laws, rules, and regulations, including anti-money laundering laws and KYC requirements
• You are solely responsible for maintaining the confidentiality and security of your login credentials
• You will immediately notify Trueconnect of any unauthorized use of your account or any security breach

All activities conducted through your account shall be deemed to have been carried out by you and shall be your sole responsibility. Trueconnect shall not be liable for any loss or damage arising from unauthorized access to your account resulting from your failure to maintain confidentiality of your credentials.

In the event of any false, misleading, or fraudulent information being provided, Trueconnect reserves the right to immediately suspend or terminate your account, reject any pending or future applications, report the matter to relevant regulatory or law enforcement authorities, and initiate appropriate legal proceedings against you.

6. Communication Authorization and DND Consent

By submitting your contact details — including your mobile number, email address, and any other communication information — through our Platform or to our representatives, you expressly and irrevocably authorize Trueconnect, its employees, authorized representatives, Channel Partners, Referral Partners, and Partner Lenders to contact you through:

• Voice calls (including auto-dialed or pre-recorded calls)
• SMS and text messages
• WhatsApp messages
• Email communications
• In-person visits by authorized representatives

7. Fees, Charges, and Financial Obligations

Trueconnect generally does not charge users for its loan facilitation services unless a specific fee arrangement is expressly agreed upon in writing. All financial charges associated with the loan product, including but not limited to:

• Processing fees and administrative charges
• Interest and EMI obligations
• Penal interest for delayed payments
• Foreclosure and prepayment charges
• Late payment fees and bounce charges
• Insurance premiums (if any, linked to the loan)

are determined, levied, and collected solely and exclusively by the respective Partner Lender and are governed by the loan agreement executed directly between you and the lender. Trueconnect is NOT a party to such loan agreements and bears NO liability for disputes arising from charges levied by the lender. Users are strongly advised to read and understand all loan-related documentation including sanction letters, loan agreements, and Key Fact Statements (KFS) provided by the Partner Lender before signing.

8. User Obligations and Prohibited Conduct

As a condition of using our services, you agree to comply with all applicable laws and the following obligations:

8.1 You MUST:

• Provide genuine, accurate, and unaltered documents at all times
• Cooperate with the KYC and credit verification process
• Disclose all material information relevant to your loan application truthfully
• Notify Trueconnect promptly of any change in your financial situation that may affect your application

8.2 You MUST NOT:

• Submit forged, fabricated, altered, or fraudulent documents or information
• Impersonate any other person or misrepresent your identity
• Misuse the Platform for any unlawful, fraudulent, or malicious purpose
• Attempt unauthorized access to any part of the Platform or to any lender's systems
• Upload, transmit, or distribute any malicious code, virus, or harmful software
• Engage in any abusive, threatening, defamatory, or harassing conduct toward Trueconnect personnel, agents, or lender representatives
• Use the Platform to launder money, finance terrorism, or engage in any activity prohibited under applicable Indian law

9. Data Collection, Usage, and Consent

By accessing the Platform or submitting your personal, financial, and identification details, you expressly consent to the collection, storage, processing, and sharing of your data for the following purposes:

• Sharing your personal and financial data with Partner Lenders for loan evaluation and processing
• Conducting KYC verification through Aadhaar-based eKYC, video KYC, or other approved methods
• Performing credit bureau inquiries with CIBIL, Experian, Equifax, CRIF High Mark, or any other licensed credit information company
• Using digital verification tools including DigiLocker, Account Aggregator frameworks, and others
• Internal analysis, risk assessment, and service improvement
• Compliance with legal and regulatory obligations

Trueconnect will handle all personal data in accordance with applicable Indian data protection laws. Your data will not be sold to any unauthorized third party. For details on our data practices, please refer to our Privacy Policy available on the Platform.

10. Intellectual Property Rights

All content on the Platform — including but not limited to logos, trademarks, brand names, software, databases, text, graphics, icons, images, audio-visual content, user interfaces, and design elements — is the exclusive intellectual property of Trueconnect Loan Distribution and Technology Private Limited and is protected under applicable Indian and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access the Platform solely for personal, non-commercial use. Any unauthorized reproduction, distribution, modification, public display, commercial use, reverse engineering, or misappropriation of any content is strictly prohibited and may result in legal action.

11. Disclaimer of Warranties

THE PLATFORM AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TRUECONNECT EXPRESSLY DISCLAIMS ALL WARRANTIES INCLUDING, WITHOUT LIMITATION:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties regarding the accuracy, reliability, completeness, or timeliness of content
• Warranties that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties regarding the outcome of any loan application submitted through the Platform

12. Limitation of Liability

To the maximum extent permitted under applicable Indian law, Trueconnect, its directors, officers, employees, agents, Channel Partners, and affiliates shall NOT be liable for any loss, damage, or claim — whether direct, indirect, incidental, special, consequential, exemplary, or punitive — arising from or in connection with:

• Rejection or non-approval of any loan application
• Changes in interest rates, fees, or lender terms after application submission
• Delays in loan processing, sanction, or disbursement attributable to any lender
• Any adverse impact on your credit score or credit report resulting from lender inquiries
• System downtime, technical failure, or interruption of the Platform
• Any act or omission of a Channel Partner, Referral Partner, or Field Agent
• Changes in applicable laws, RBI regulations, or government policies
• Events of force majeure including natural disasters, pandemics, war, strikes, or government action
• Errors or inaccuracies in information submitted by the User

13. Indemnification

You agree to indemnify, defend, and hold harmless Trueconnect Loan Distribution and Technology Private Limited, and its directors, officers, employees, agents, Channel Partners, and assigns from and against any and all claims, demands, actions, proceedings, losses, damages, penalties, fines, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your breach of any provision of these Terms
• Submission of false, misleading, forged, or fraudulent information or documents
• Violation of any applicable law, rule, or regulation
• Infringement of any third-party rights, including intellectual property rights
• Misuse or unauthorized use of the Platform
• Any act, omission, or negligence by you or any person using the Platform through your account

14. Third-Party Links and External Content

The Platform may contain hyperlinks or references to third-party websites, platforms, or services. These links are provided solely for the convenience of users. Trueconnect does not endorse, control, monitor, or assume any responsibility for the content, privacy policies, terms, accuracy, or security of any third-party website or service. Accessing any third-party website through links on our Platform is entirely at your own risk. Trueconnect shall not be liable for any loss or damage arising from your interaction with third-party platforms.

15. Suspension and Termination of Access

Trueconnect reserves the absolute right, in its sole discretion, to suspend, restrict, or permanently terminate your access to the Platform and services — with or without prior notice — in the event of:

• Breach of any provision of these Terms
• Submission of false, forged, or fraudulent information
• Engagement in any fraudulent, unlawful, or prohibited activity
• Any conduct that is abusive, threatening, or harmful to Trueconnect, its personnel, Partner Lenders, or other users
• Regulatory or legal direction requiring suspension or termination

Termination of access shall not affect any liabilities or obligations that have accrued prior to the date of termination. Upon termination, you must immediately cease use of the Platform and any associated content.

16. Grievance Redressal Mechanism

In compliance with applicable laws, Trueconnect has designated a Grievance Officer to address user complaints and concerns. If you have any grievance regarding our services, you may raise your concern by contacting us at:

17. Modification of Terms

Trueconnect reserves the right to revise, update, or modify these Terms at any time, at its sole discretion, without prior individual notification to users. The revised Terms will be published on the Platform with an updated effective date. Your continued use of the Platform or services after such publication constitutes your acceptance of the modified Terms. You are advised to review these Terms periodically to stay informed of any changes. If you do not agree with any modified Terms, you must discontinue your use of the Platform immediately.

18. Severability

If any provision of these Terms is held to be invalid, unlawful, void, or unenforceable by a court of competent jurisdiction, such provision shall be deemed severed from these Terms to the minimum extent necessary, and such finding shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

19. Entire Agreement

These Terms, together with the Privacy Policy and any other policies or agreements incorporated herein by reference, constitute the entire agreement between you and Trueconnect with respect to the subject matter hereof and supersede all prior negotiations, understandings, representations, or agreements, whether oral or written, relating to the same subject matter.

20. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law principles.

Any dispute, claim, or controversy arising out of or in connection with these Terms, the Platform, or the services provided by Trueconnect — including questions regarding their existence, validity, breach, interpretation, performance, or termination — shall be subject to the exclusive jurisdiction of the competent civil courts located in the State of Tamil Nadu, India.

In the event of any dispute, the parties agree to first attempt resolution through good-faith negotiation. If unresolved within 30 (thirty) days, the parties may pursue legal remedies as provided under applicable Indian law.

21. Contact Information

For any queries, clarifications, or communications regarding these Terms or our services, please contact us at: