Terms of Service
Please read these terms carefully before accessing or using the PolicyBulls loan aggregator platform.
1. Introduction & Platform Role
PolicyBulls (operated by PolicyBulls Fintech Consultancy Private Limited) provides an online technology platform that connects prospective borrowers with RBI-registered Banks, Non-Banking Financial Companies (NBFCs), and accredited digital lending partners. PolicyBulls is NOT a bank, financial institution, or direct lender.
2. Electronic Contract & Consent
By accessing, browsing, or submitting personal information on our website, you agree to be legally bound by these Terms of Use and our Privacy Policy. This document constitutes an electronic record under the Information Technology Act, 2000.
3. Eligibility of Borrowers
Services are strictly available to individuals who are resident Indian citizens, are at least 18 years of age, and possess the legal capacity to enter into binding contracts under the Indian Contract Act, 1872.
4. Loan Underwriting & Sanctions
All loan approvals, sanctioned amounts, interest rates, processing fees, and disbursement timelines are at the sole, absolute discretion of our partner lending institutions. PolicyBulls neither guarantees loan approval nor fixes commercial terms.
5. Limitation of Liability
In no event shall PolicyBulls or its directors be liable for any indirect, punitive, incidental, or consequential damages arising from loan rejections, delays in bank disbursal, or disputes between borrowers and third-party lenders.
6. Governing Law and Dispute Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Republic of India. Any legal dispute or proceeding shall be subject to the exclusive jurisdiction of the courts located at New Delhi, India.