Terms & Conditions.

1. About these Terms

These Terms and Conditions govern your use of this website and any enquiry you submit through it. By browsing the site or submitting the enquiry form, you confirm that you have read, understood and accepted these Terms.

If you do not agree with any part of them, please do not use this website or submit your details through it.

2. Who we are

OneTouch Loan is a Direct Selling Agent (DSA) and referral intermediary for loan products. We work with banks and non-banking financial companies (referred to throughout as lenders or lending partners) and help customers identify, apply for and complete documentation on loan products offered by them.

References to "we", "us" and "our" in these Terms mean OneTouch Loan. References to "you" mean any person using this website or submitting an enquiry through it.

3. What we do — and what we do not do

Our role is to understand your requirement, assess your profile against the policies of our lending partners, help you prepare and submit an application, and follow that application through to a decision.

It is important that the limits of that role are clear:

• We are not a lender. We do not sanction loans, disburse funds, set interest rates or decide any term of a loan.
• We do not guarantee approval. Every application is assessed independently by the lender, under its own credit policy, eligibility criteria and documentation requirements. A lender may decline an application without giving a reason.
• We do not guarantee any specific amount, rate, tenure or timeline. Anything discussed before sanction is an expectation based on experience, never a commitment.
• We do not accept deposits or hold customer funds of any kind.

Submitting an enquiry does not create a loan application, and it does not create any obligation on us or on any lender to offer you a facility.

4. Your responsibilities

By using this website and submitting an enquiry, you confirm that:

• You are at least 18 years of age and legally competent to enter into a contract in India.
• The information you provide is true, accurate, current and complete, and you will tell us if it changes materially while your case is being processed.
• Where you provide details of a co-applicant, guarantor, business or property belonging to another person, you are authorised by that person to share those details with us and with lenders.
• You will not submit false, forged or misleading information or documents at any stage.
• You will not use this website for any unlawful purpose, or attempt to disrupt, probe or gain unauthorised access to it.

Providing inaccurate information can cause an application to be rejected, and may have consequences under the lender's own policies and applicable law.

5. Information you share with us

The enquiry form on this website collects your name, mobile number, and optionally your email address, the product you are interested in, the amount you require and a short message. We use these details to contact you, understand your requirement and, where you choose to proceed, take your case forward.

By submitting the form, you consent to being contacted by us by telephone, SMS, WhatsApp or email in connection with your enquiry, including where your number is registered under the National Customer Preference Register (DND / NCPR). You may ask us to stop contacting you at any time.

Where you decide to proceed with an application, you authorise us to share the information and documents you give us with the lenders being approached on your behalf, and you authorise those lenders to obtain your credit information from the credit bureaus, as their own processes require. We do not sell your details to unrelated third parties.

6. Fees, charges and payments

Assessing your requirement and discussing options with you carries no charge.

Charges connected to a loan — processing fees, legal and valuation charges, documentation, stamp duty, insurance and similar items — are levied by the lender under its sanction terms, and are payable to the lender through banking channels.

We never ask customers to pay cash to any individual, and we do not ask for money to be transferred to a personal account in exchange for a sanction, a faster decision or an approval. Please treat any such demand as fraudulent and report it to us immediately.

7. Indicative information and lender offers

Loan amounts, tenures, loan-to-value ranges, eligibility notes and document lists shown anywhere on this website are indicative. They are provided to help you understand how a facility is generally structured, and they do not constitute an offer, an approval-in-principle, or a commitment to lend.

Lender policies, interest rates and charges change frequently and vary by profile. The terms that apply to you are only those set out in the sanction letter and loan agreement issued to you by the lender. Please read those documents in full, including the schedule of charges and the prepayment and foreclosure terms, before you sign.

8. Intellectual property and third-party links

The content, design, layout, text, graphics and branding on this website belong to OneTouch Loan unless stated otherwise, and may not be copied, reproduced, republished or used for commercial purposes without our written permission.

Any names or marks of banks and financial institutions referred to on this website belong to their respective owners and are used only to identify them.

This website may link to third-party websites, including those of lenders. We do not control those sites and are not responsible for their content, their terms or how they handle your information. Visiting them is at your own discretion.

9. Availability and limitation of liability

We aim to keep this website accurate and available, but we do not warrant that it will be uninterrupted, error-free or free of viruses, or that the information on it is complete or current at any given moment. The website is provided on an "as is" basis.

To the extent permitted by law, we are not liable for any indirect, incidental or consequential loss arising from your use of this website, from a lender's decision on your application, from any delay in processing, or from your reliance on indicative information published here. Nothing in these Terms limits any liability that cannot be limited under applicable law.

10. Fraud caution

Please be careful of anyone claiming to represent us who asks for payment to a personal account, offers a guaranteed approval, or asks you to sign blank documents. Communication from us comes from our published contact details, and any charge connected to your loan is paid to the lender through banking channels.

If something appears suspicious, stop and contact us using the details published on this website before you act on it.

11. Changes to these Terms

We may update these Terms from time to time to reflect changes in our services, in lender practice or in applicable law. The revised version takes effect when it is published here, and the "Last updated" date at the top of this page will change accordingly. Please review this page periodically — continuing to use the website means you accept the current version.

12. Governing law and jurisdiction

These Terms are governed by the laws of India. Any dispute arising out of or in connection with them, or with your use of this website, is subject to the exclusive jurisdiction of the competent courts at [City, State], India.

13. Contact us

For any question about these Terms, about an enquiry you have submitted, or to ask us to stop contacting you, reach us at info@onetouchloan.in or through the Contact page.