Disclaimer

PaisaSetu.com (paisasetu.com) is operated by Trustera Services and functions as a financial services marketplace and loan assistance platform. The information, tools, and services provided on this website are for general informational and facilitation purposes only.

PaisaSetu.com is not a bank, Non-Banking Financial Company (NBFC), or any other type of financial institution regulated under the Banking Regulation Act, 1949 or the Reserve Bank of India Act, 1934. We do not accept deposits, lend money directly, or provide any banking or financial services in our own capacity.

All loan products, interest rates, and financial services displayed on this platform are offered by our partner banks and NBFCs, who are independently regulated by the Reserve Bank of India (RBI) and other applicable regulatory authorities.

The submission of a loan application or enquiry through PaisaSetu.com does not guarantee loan approval. All lending decisions — including approval, rejection, loan amount, interest rate, tenure, and other terms — are made solely and exclusively by the respective lending institution based on their internal credit assessment policies, RBI guidelines, and applicable regulations.

PaisaSetu.com acts only as a facilitator and referral platform. We have no authority to approve, reject, or influence the terms of any loan offered by our partner lenders.

Factors such as your credit score (CIBIL/Experian/Equifax), income, employment stability, existing debt obligations, and lender-specific criteria will determine your loan eligibility and terms.

All interest rates, EMI calculations, loan amounts, processing fees, and other financial figures displayed on this website are indicative only and are subject to change without notice. Actual rates and terms offered by lenders may differ based on:

• Your individual credit profile and CIBIL score
• The lender's prevailing interest rate policies
• RBI monetary policy changes (repo rate revisions)
• Market conditions at the time of loan disbursement
• The specific loan product and tenure selected
• Your income, employment type, and repayment capacity

PaisaSetu.com makes no representation or warranty regarding the accuracy, completeness, or currency of any financial information displayed on this platform. Always verify current rates directly with the lending institution before making any financial commitment.

Nothing on this website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. The content is provided for general informational purposes only.

Before making any financial decision — including taking a loan — you should:

• Carefully assess your repayment capacity and financial situation
• Compare multiple loan offers independently
• Consult a qualified financial advisor, chartered accountant, or legal professional as appropriate
• Read and understand all loan agreement terms before signing

PaisaSetu.com's customer support team can provide general information about loan products but is not qualified to provide personalised financial or legal advice.

PaisaSetu.com works with a network of partner banks and NBFCs. We do not endorse, recommend, or guarantee the products, services, or practices of any specific lender. The inclusion of a lender on our platform does not constitute an endorsement.

Each lending partner operates independently and is responsible for their own products, services, customer interactions, and compliance with applicable laws and regulations. PaisaSetu.com is not responsible for:

• The accuracy of information provided by lending partners
• Any disputes between you and a lending partner
• The quality of service provided by lending partners
• Any changes to lender products, rates, or policies
• Loan disbursement timelines, which are at the lender's discretion

Any complaints regarding a specific lender's products or services should be directed to that lender's grievance redressal mechanism and, if unresolved, to the Banking Ombudsman or relevant regulatory authority.

Checking your loan eligibility on PaisaSetu.com is a soft inquiry and does not affect your CIBIL or credit score. However, when a lending partner formally processes your loan application, they may conduct a hard inquiry with credit bureaus, which can temporarily affect your credit score.

Multiple hard inquiries within a short period (e.g., applying to several lenders simultaneously) can negatively impact your credit score. We recommend:

• Checking your credit score before applying
• Applying to lenders where you have a reasonable chance of approval
• Spacing out formal loan applications if you are exploring multiple options

PaisaSetu.com is not responsible for any impact on your credit score resulting from lender inquiries made in connection with your loan application.

PaisaSetu.com will NEVER ask you to pay any advance fee, processing fee, security deposit, insurance premium, or any other upfront payment to approve or disburse a loan. Legitimate loan approvals do not require advance payments.

Beware of fraudsters who may impersonate PaisaSetu.com representatives and solicit payments. Common fraud tactics include:

• Asking for advance fees to "unlock" loan approval
• Requesting OTPs, passwords, or banking credentials
• Promising guaranteed loan approval regardless of credit history
• Contacting you through unofficial channels (personal WhatsApp numbers, unofficial email addresses)

If you receive any suspicious communication claiming to be from PaisaSetu.com, please immediately report it to care@paisasetu.com or call +91 784 000 6867. You may also report financial fraud to the National Cyber Crime Reporting Portal at cybercrime.gov.in.

While we strive to keep the information on this website accurate and up-to-date, PaisaSetu.com makes no warranties or representations, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website.

We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice. PaisaSetu.com shall not be liable for any loss or damage arising from:

• Temporary unavailability of the website
• Errors or omissions in website content
• Viruses or other harmful components that may infect your computer
• Reliance on any information provided on this website

PaisaSetu.com operates in compliance with applicable Indian laws and regulations, including but not limited to:

• Information Technology Act, 2000 and IT (Amendment) Act, 2008
• Prevention of Money Laundering Act (PMLA), 2002
• Consumer Protection Act, 2019
• Reserve Bank of India guidelines on digital lending and financial services
• Personal Data Protection framework as applicable

Our partner lenders are regulated by the Reserve Bank of India (RBI), National Housing Bank (NHB), or other applicable regulatory bodies. Regulatory information for each lender is available on their respective websites.

If you have a complaint about a regulated financial service, you may contact the RBI Ombudsman at rbi.org.in/ombudsman.

For any queries, concerns, or complaints regarding this Disclaimer or our services, please contact:

**PaisaSetu.com (Trustera Services)** Email: care@paisasetu.com Phone: +91 784 000 6867 Address: New Delhi, India Business Hours: Monday – Saturday, 9:00 AM – 7:00 PM IST

Grievance Officer: For formal grievances, please email care@paisasetu.com with the subject "Grievance — [Your Name]". We will acknowledge within 24 hours and resolve within 30 business days.

If your grievance is not resolved to your satisfaction, you may approach the appropriate consumer forum or regulatory authority.