Terms and Conditions

Effective Date: 15.06.2025
Company Name: Loan Bridges
Website: www.loanbridges.in

These Terms & Conditions (“Agreement”) govern your use of the services and access to the website of Loan Bridges, a loan facilitation platform operating as a Direct Selling Agent (DSA) in accordance with the norms prescribed by the Reserve Bank of India (RBI). By accessing this website, registering as a DSA, or submitting a loan enquiry, you agree to these terms in full.

1. Definitions

• “Company” / “Loan Bridges” refers to the entity operating from Office No 604, 6^th floor, MSX Tower II, Alpha I Commercial Belt, Greater Noida, U.P- 201310
• “Website” refers to our platform at www.loanbridges.in
• “User” means any person who accesses the website, including DSAs and loan seekers.
• “DSA” refers to Direct Selling Agents appointed or onboarded by Loan Bridges.
• “Lending Partner” includes any financial institution (Bank/NBFC) we have empanelled or partnered with.
• “Services” includes DSA registration, lead generation, loan application facilitation, document collection, and information sharing.

2. Scope of Service

Loan Bridges facilitates connections between loan applicants and partner financial institutions. We do not offer loans directly. Final decisions on eligibility, approval, terms, or disbursement rest solely with the respective lenders.

3. User Eligibility

• Be 18 years or older and legally competent
• Be an Indian citizen or legal resident
• Have valid government issued identity and financial documentation
• Use the site in good faith, without intent to defraud or misrepresent

4. Loan Applicants Terms

By submitting a loan application via the Loan Bridges platform, you agree that:

• All submitted information is true, complete, and accurate
• You authorize us to share your data with banks, NBFCs, credit bureaus, and third party verifiers
• Loan approval, terms, processing fees, and interest rates are governed by the partner institutions and not Loan Bridges
• Loan Bridges is not responsible for delays, rejections, or altered terms imposed by lending partners
• You understand and consent that your credit score may be accessed for loan eligibility purposes

5. DSA Onboarding and Responsibilities

If you register as a DSA through Loan Bridges, you shall:

• Follow RBI’s Fair Practices Code and comply with KYC norms
• Never misrepresent loan terms, interest rates, or the Company’s role
• Submit only genuine, verified customer leads with informed consent
• Maintain strict confidentiality of customer documents
• Not engage in misleading advertisements, SMS/email spamming, or unauthorised partnerships

Violation may lead to suspension, termination of DSA code, and legal consequences including forfeiture of commission.

6. Commissions and Payments

• DSAs are eligible for payouts based on successful disbursal of referred loans as per individual lender payout structures
• All commissions will be processed via NEFT/IMPS within the timelines agreed during onboarding
• Taxes will be deducted at source (TDS) as per applicable Indian tax laws
• Loan Bridges reserves the right to revise commission structures without prior notice in cases of policy changes, fraud, or regulatory interventions

7. Intellectual Property

• All content on this website text, design, logos, software, and documentation is the exclusive property of Loan Bridges or its licensors
• No user shall copy, download, reproduce, or redistribute content for commercial use without prior written permission

8. Data Privacy & Security

• Your use of this site is subject to our Privacy Policy in compliance with the Information Technology Act, 2000 and SPDI Rules, 2011
• Loan Bridges uses industry standard encryption, firewalls, and access control systems for data protection
• You may request to review, update, or delete your personal data at any time by writing to loanbridge7@gmail.com
• We are not liable for data breaches resulting from user side negligence or force majeure

9. Third Party Links & Integrations

The website may include links to third party platforms (e.g., RBI, bank sites, or credit score tools). Loan Bridges does not control these websites and is not responsible for their content, security, or policies. Use them at your own discretion.

10. Disclaimers

• We are not liable for any decision made by financial institutions based on the documents or data provided
• Loan Bridges does not guarantee sanction, loan amount, tenure, or interest rate
• The Company is not liable for any technical error, service downtime, or third party system failures
• The information on the website is subject to change without prior notice

11. Limitation of Liability

To the maximum extent permitted by law, Loan Bridges shall not be liable for:

• Losses arising from loan rejection or approval on altered terms
• Miscommunication by DSAs or partner banks
• Force majeure events (natural disasters, regulatory changes, cyberattacks)
• Indirect, incidental, or consequential damages, even if foreseeable

12. User Conduct

Users agree not to:

• Use the website for illegal or unauthorized purposes
• Upload or transmit any malware, spyware, or phishing scripts
• Attempt to access restricted areas of the website without permission
• Collect data from other users without consent

13. Termination of Access

Loan Bridges reserves the right to terminate or restrict access:

• If user activities violate any law or this Agreement
• For suspected fraud, impersonation, or misuse of information
• Without assigning any reason in cases of system abuse

14. Modifications to Terms

Loan Bridges may revise these Terms periodically to reflect changes in services, policies, or regulations. Updates will be notified via the website or email, and your continued use constitutes acceptance of the revised terms.

15. Grievance Redressal

If you have any complaint or concern, you may contact our Grievance Officer:

Complaints will be acknowledged within 48 hours and resolved within 30 business days.

16. Governing Law and Jurisdiction

This Agreement is governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the courts in Gautam Buddha Nagar, Uttar Pradesh.

17. Contact Us