Terms & Conditions

By accessing or using EzyLoan (operated by Dibyansh Associates), you agree to be bound by these Terms & Conditions. If you disagree with any part of these terms, please do not use our services.

EzyLoan is a digital loan facilitation platform that connects borrowers with partner banks and Non-Banking Financial Companies (NBFCs). We are not a lender, NBFC, or financial institution and do not sanction, disburse, or collect loans.

*All rates, fees, and terms are subject to lender policy, credit assessment, and regulatory approval.

EzyLoan provides the following facilitation services:

• Loan application facilitation and documentation support
• Connecting users with RBI-regulated partner banks/NBFCs
• EMI calculator and loan comparison tools (illustrative estimates only*)
• Financial education and guidance resources
• Application status tracking and customer support

❌ We do NOT: sanction loans, disburse funds, collect EMIs, set interest rates, or guarantee approval.

*Calculator results are estimates. Actual terms determined by lender.

• Provide accurate, complete, and up-to-date information during application
• Maintain confidentiality of your account credentials and OTPs
• Use the platform only for lawful purposes and legitimate loan applications
• Review all loan offers, terms, and disclosures before acceptance
• Repay loans as per agreed schedules with lending partners
• Notify us immediately of any unauthorized account activity

Loan approval is not guaranteed and depends on multiple factors including:

• Credit score (CIBIL/Experian/Equifax) and credit history
• Income verification, repayment capacity, and employment stability
• Documentation completeness and authenticity
• Lender's internal risk policies, portfolio guidelines, and regulatory limits
• Property/vehicle valuation (for secured loans)

All loans are disbursed directly by partner banks/NBFCs into the borrower's verified bank account. EzyLoan has no control over approval decisions, interest rates*, processing fees*, tenure, or disbursement timelines.

*Final rates and fees disclosed by lender before loan acceptance. Subject to change.

✅ EzyLoan does not charge any upfront fees from borrowers.All fees are disclosed in writing by the lender before loan acceptance. If anyone asks for advance payment for "processing", "verification", or "guaranteed approval", it is a scam—report immediately to care@ezyloan.co.in.

*Charges vary by lender, loan product, and applicant profile. Confirm in your loan agreement.

To the maximum extent permitted by Indian law, EzyLoan and its affiliates shall not be liable for:

• Loan approval/rejection decisions made by partner lenders
• Changes in interest rates*, fees*, terms, or policies by lending partners
• Delays in documentation, verification, credit assessment, or disbursement
• Any financial loss, credit score impact, or legal consequences arising from loan availing or repayment
• Technical errors, platform downtime, data transmission issues, or third-party service failures
• Actions or omissions of partner lenders, credit bureaus, or regulatory authorities

Users agree to hold EzyLoan harmless from any claims, damages, or losses arising out of their use of the platform or transactions with lending partners, except in cases of gross negligence or willful misconduct by EzyLoan.

By using EzyLoan, you expressly consent to:

• Collection, verification, and processing of personal, financial, KYC, and device information
• Sharing of your data with partner banks/NBFCs, credit bureaus, and service providers for loan processing
• Use of your information for service improvement, communication, fraud prevention, and regulatory compliance
• Automated decision-making and profiling for pre-screening applications (subject to human review upon request)

For comprehensive details on data handling, your rights, and grievance redressal, please review ourPrivacy Policy.

You may withdraw consent for marketing communications anytime via email or account settings. Withdrawal of core processing consent may affect service availability.

EzyLoan reserves the right to modify these Terms & Conditions at any time without prior notice. Material changes will be notified via email or prominent notice on our website at least 7 days in advance.

Changes become effective on the "Last Updated" date shown at the top of this page. Your continued use of the platform after changes constitutes acceptance of the updated terms. We encourage you to review this page periodically.

These terms shall be governed by and construed in accordance with the laws of the Republic of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Cuttack, Odisha, India.

Grievance Redressal: For complaints regarding our services, contact our Grievance Officer:

• 📧 Email: care@ezyloan.co.in
• 📞 Phone: +91 63729 77626
• ⏱ Response Time: Within 15 business days as per IT Rules, 2021

Regulatory Escalation: If unresolved, you may approach the RBI Ombudsman:https://cms.rbi.org.in

EzyLoan operates in compliance with applicable Indian regulations including:

• Reserve Bank of India (RBI) guidelines for Direct Selling Agents (DSAs)
• Information Technology Act, 2000 and Rules thereunder
• Digital Personal Data Protection Act, 2023 (when applicable)
• Prevention of Money Laundering Act (PMLA) and KYC/AML norms
• Consumer Protection Act, 2019

Partner lenders are regulated by RBI and/or other financial authorities. EzyLoan does not represent or warrant the regulatory status of partner institutions.

Content provided on EzyLoan is for informational and educational purposes only* and does not constitute:

• Financial advice, investment recommendation, or credit counseling
• Legal advice regarding loan agreements, rights, or obligations
• Tax advice regarding loan proceeds, interest deductions, or implications

You should consult qualified professionals (CA, lawyer, financial advisor) for personalized advice. Loan decisions should be based on your individual financial situation and goals.

*Calculator tools provide illustrative estimates only. Not a substitute for professional advice.