Terms of Use

1. About Uttarakhand Loans

Uttarakhand Loans is a loan advisory and aggregation service operated by Uttarakhand Loans, Dehradun, Uttarakhand. We are a registered Direct Selling Agent (DSA) and do not lend directly. All loans are disbursed by our partner banks and NBFCs.

2. Nature of Services

• We provide free loan advisory services — we do not charge borrowers any fee
• We compare loan offers from 30+ banks and NBFCs and recommend suitable options
• Loan approval, disbursement, and final terms are solely at the discretion of the lending institution
• Interest rates shown on this website are indicative only and subject to change without notice
• EMI calculations are for illustrative purposes — actual EMI may vary based on lender's policies

3. User Obligations

By using this website, you agree to:

• Provide accurate, complete, and truthful information when submitting any form or enquiry
• Not use this website for any unlawful purpose or in violation of these Terms
• Not attempt to gain unauthorised access to any part of this website or its systems
• Not reproduce, distribute, or commercially exploit any content from this website without permission

4. No Guarantee of Loan Approval

Using our services or submitting an enquiry does not guarantee loan approval. Loan eligibility and approval decisions are made entirely by the lending institution based on their internal credit assessment policies, CIBIL score, income verification, and other factors.

5. Disclaimer of Liability

To the maximum extent permitted by applicable law:

• This website and its contents are provided "as is" without warranties of any kind
• We are not liable for any direct, indirect, incidental, or consequential loss arising from use of this website
• We are not responsible for the content, policies, or practices of third-party websites linked from this site
• Interest rates, loan products, and scheme availability are subject to change by lenders at any time

6. Intellectual Property

All content on this website including text, graphics, logos, and design is the property of Uttarakhand Loans / Uttarakhand Loans and is protected under applicable Indian intellectual property laws. Unauthorised use is prohibited.

7. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Dispute Resolution & Governing Law

These Terms of Use are governed by and construed in accordance with the laws of India. Any dispute, difference, or claim arising out of or in connection with these Terms, the use of this website, or the services provided by Uttarakhand Loans shall be resolved through the following three-tier dispute resolution mechanism:

Tier 1 — Mediation & Conciliation

The parties shall first attempt to resolve any dispute through good-faith mediation and conciliation. Either party may initiate mediation by sending a written notice to the other party. The mediator shall be appointed solely by Uttarakhand Loans, whose decision on the appointment of the mediator shall be final and binding on all parties. The mediation proceedings shall be conducted in Dehradun, Uttarakhand and shall be concluded within 30 days from the date of appointment of the mediator, unless extended in writing by Uttarakhand Loans. The mediation shall be governed by the Mediation Act, 2023.

Tier 2 — Arbitration

If the dispute is not resolved through mediation and conciliation within the stipulated period, the dispute shall be referred to and finally resolved by binding arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, and any statutory modifications or re-enactments thereof. The arbitration shall be conducted by a sole arbitrator appointed solely by Uttarakhand Loans, whose decision on the appointment shall be final and binding on all parties. The seat and venue of arbitration shall be Dehradun, Uttarakhand. The language of arbitration shall be English. The arbitral award shall be final and binding on both parties.

Tier 3 — Jurisdiction of Courts

Notwithstanding the above, and without prejudice to the right of either party to seek urgent interim relief, if any dispute cannot be resolved through mediation or arbitration, or in respect of matters not capable of being referred to arbitration, the parties agree that jurisdiction shall vest exclusively in the courts at Dehradun, Uttarakhand, India. The parties hereby expressly waive any objection to the exercise of jurisdiction by such courts on grounds of venue, inconvenient forum, or otherwise.

9. Contact Us

For any questions about these Terms, please contact us at:

📧 uttarakhandloans@gmail.com

🌐 www.uttarakhandloans.com

📍 Dehradun, Uttarakhand, India