Welcome to Loan Shopie (www.loanshopie.com), a unit of Kanagadhara Associates. We are committed to providing clear, transparent, and reliable financial assistance information and loan facilitation services to our customers. Please read the following Terms and Conditions carefully, as they govern your use of our website and services. By accessing this website, you agree to abide by these terms.

1. Official Channel Partner of HDFC Bank

Loan Shopie is a unit of Kanagadhara Associates, which is the official channel partner of HDFC Bank. We facilitate the application and processing of various loan products provided by HDFC Bank, including but not limited to personal loans, home loans, and business loans. As a recognized and authorized unit of Kanagadhara Associates, we assist in documentation, eligibility checks, and follow-ups, helping customers navigate through the application process.

It’s important to note that all final approvals, interest rates, and disbursal decisions are solely determined by HDFC Bank and are subject to their internal policies and credit risk assessments.

2. Legal Agreement

These Terms and Conditions represent a binding agreement between you (the user) and Loan Shopie. By using our services or accessing our website, you acknowledge that you are entering into a legally binding contract under the Indian Contract Act, 1872. Please note that Loan Shopie provides information and assistance solely for informational purposes. If you proceed with an application, you will be redirected to HDFC Bank’s official website to complete the process. You must be of legal age (18 years or older) and mentally competent to enter into this agreement. If you do not agree to any part of these terms, we advise you not to use our services or website.

3. Use of Information

The information provided on our website, including eligibility criteria, loan types, features, interest rates, and FAQs, is intended for informational purposes only. We strive to ensure accuracy; however, Loan Shopie does not guarantee the completeness or reliability of any information published on the website. Loan terms, interest rates, and offers are subject to change without prior notice based on the discretion of the partnering financial institution (HDFC Bank) or any updates in their lending policies.

4. Customer Obligations

By submitting any personal or financial details on www.loanshopie.com, you confirm that the information you provide is accurate, complete, and up to date. You also authorize us to share this data with our banking partner(s) for the purpose of loan processing. It is your responsibility to ensure that you provide correct documentation and respond to follow-up communications. Misrepresentation of information may result in immediate disqualification of your loan application and could also have legal consequences.

5. Third-party Products and Services

While Loan Shopie works as a facilitator with HDFC Bank, we may also provide links to third-party websites or services that are not under our control. We are not responsible for the content, practices, or offerings of these external sites. Engaging with third-party services is at your own risk, and we recommend that you read their respective terms and conditions before proceeding.

6. No Guarantee of Loan Approval

Loan Shopie does not assure the approval or disbursal of any loan application. All loan applications submitted via our platform are subject to thorough evaluation by HDFC Bank, including but not limited to credit checks, document verification, and risk profiling. Approval or rejection of a loan lies solely at the discretion of HDFC Bank. Our role is limited to guiding you through the application process and assisting in document submission.

7. Limitation of Liability

Under no circumstances shall Loan Shopie or Kanagadhara Associates be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our services. This includes delays in processing, website downtime, errors in documentation, or rejection of applications. Your use of our services is solely at your own risk, and we advise users to consult with us for any clarifications or guidance as needed.

8. Privacy and Data Usage

We value your privacy and take appropriate measures to protect your personal and financial data. All information collected via our forms is used solely for loan facilitation purposes and may be shared with our partner bank (HDFC Bank) as required for processing. We do not sell or misuse your information. For more details, please refer to our Privacy Policy section.

9. Intellectual Property

All content published on www.loanshopie.com, including text, graphics, branding, logos, and design elements, are the intellectual property of Loan Shopie or its licensors. Unauthorized reproduction, copying, or distribution of any material from our website is strictly prohibited and may result in legal action under applicable copyright and trademark laws in India.

10. Amendments and Jurisdiction

Loan Shopie reserves the right to update, revise, or change these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting on our website. Continued use of our platform after such updates constitutes your acceptance of the new terms. These Terms and Conditions shall be governed by the laws of India, and any disputes arising out of or in connection with the use of this website shall be subject to the exclusive jurisdiction of the courts located in Tamil Nadu.