Terms of Use

These Terms of Use constitute a binding legal contract between you ('User', 'Customer', or 'Borrower') and EazyMoney ('we', 'us', or 'our'). By browsing our website, initiating a loan enquiry, using our financial calculators, or purchasing assistance services, you acknowledge that you have read, understood, and agreed to be governed by these Terms, our Privacy Policy, and our Disclaimer. If you do not agree, you must discontinue platform use immediately.

EazyMoney is a loan lead generation and customer referral platform. 1. Non-Lender Status: EazyMoney does NOT operate as a lender and does NOT provide, sanction, approve, or disburse loans to customers. 2. Primary Function: The primary function of EazyMoney is to generate leads from customers who are interested in obtaining loans and to facilitate their connection with suitable local loan agents or lender-associated representatives for further processing. 3. Strictly Limited Scope: EazyMoney's role is strictly limited to: • Generating loan leads from interested customers; • Collecting basic customer information for the loan enquiry; • Obtaining customer consent for referral/forwarding of the lead; • Forwarding customer leads and relevant details to suitable local loan agents or lender-associated representatives; and • Facilitating communication between prospective customers and the relevant loan-processing party. 4. Independent Processing by Lenders & Agents: The concerned local agent or lender representative independently handles subsequent loan-processing activities, including customer communication, KYC/document verification, eligibility assessment, and loan application processing. 5. Final Decision & No Guarantee: The final decision regarding loan approval, sanction, loan amount, interest rate, terms, and disbursement is solely made by the concerned lender or authorized loan-processing party. EazyMoney does not guarantee or represent that any customer will receive a loan.

To access and use EazyMoney, you represent and warrant that: • You are an individual citizen or permanent resident of India. • You are at least 18 years of age and legally competent to enter into binding agreements under the Indian Contract Act, 1872. • All information, PAN, contact numbers, and income statements submitted by you are accurate, genuine, and current. • You are not impersonating any other person or using another individual's identity or banking details without authorization.

EazyMoney provides digital financial lead generation and educational tools, including: • Guided Loan Enquiries: Allowing users to submit requirements and facilitate referral to suitable local agents and lenders. • Illustrative Calculators: Providing mathematical estimations of monthly EMIs, total interest, and tenure tradeoffs based on standardized algorithms. • Financial Assistance Plans: Optional paid advisory reports, including credit health evaluations, debt repayment strategy guides, and credit bureau dispute notice templates. EazyMoney collects ₹199 as a Credit Improvement Plan / Consultancy Service charge from customers. This ₹199 payment is strictly towards the consultancy/service provided by EazyMoney and is not related to loan repayment, EMI, interest, principal amount, loan processing repayment, overdue payment, or repayment of any loan. Our calculators and guides are intended solely for illustrative and educational purposes and do not constitute formal binding quotes, credit offers, or professional investment advice.

When accessing or utilizing our digital platform, you agree NOT to: • Provide false, fictitious, or forged identity, PAN, or financial credentials. • Use automated scripts, crawlers, bots, scrapers, or software to extract content, product listings, or platform data. • Attempt to compromise, decompile, reverse-engineer, or breach platform security, authentication tokens, or encryption layers. • Share your one-time passwords (OTPs), verification codes, or enquiry reference tokens with unauthorized parties. • Use the platform for any fraudulent, unlawful, or money-laundering activities prohibited under Indian law.

All content, branding, trademarks, logos, calculator interfaces, downloadable PDF blueprints, text, graphics, and code on the EazyMoney platform are the exclusive intellectual property of EazyMoney or its licensed partners. You may not reproduce, duplicate, modify, distribute, or create derivative works without prior written authorization.

To the maximum extent permitted by applicable Indian law: • EazyMoney provides the platform on an 'as-is' and 'as-available' basis without warranties of any kind, whether express or implied. • EazyMoney shall not be liable for any direct, indirect, punitive, incidental, or consequential damages resulting from loan rejections, delays in lender processing, interest rate changes, lender portal downtime, or loss of data. • Lenders may perform hard credit inquiries with licensed credit information bureaus (e.g., CIBIL, Experian, CRIF High Mark) upon formal application submission. EazyMoney is not responsible for any impact such external inquiries may have on your credit score.

These Terms shall be governed by, construed, and enforced in accordance with the laws of the Republic of India. In the event of any legal dispute, controversy, or claim arising out of or relating to these Terms or the use of EazyMoney services, the parties submit to the exclusive jurisdiction of the competent civil courts situated in Gujarat, India.