Terms & Conditions


Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using the Lightpaisa website, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions, along with our Privacy Policy and Disclaimer. If you do not agree, please discontinue using our services immediately.

2. Nature of Lightpaisa’s Business

Lightpaisa is a loan assistance, lead facilitation, and financial information platform. We help users connect with banks, NBFCs, and other regulated financial institutions.

Lightpaisa is NOT a bank, NOT an NBFC, and does NOT provide loans directly.

3. Scope of Services
Collecting user details for loan or credit related inquiries Sharing information about loan products offered by third-party lenders Forwarding user applications to banks / NBFCs Providing general guidance related to eligibility and documentation All loan approvals, interest rates,processing fees, tenure, disbursal timelines, and final decisions are solely determined by the respective bank or NBFC.
4. No Financial Advice

Any information provided on Lightpaisa is for general informational purposes only and should not be considered as financial, legal, or professional advice. Users are advised to independently verify all loan terms before proceeding.

5. No Guarantee or Assurance

Lightpaisa does not guarantee loan approval, instant processing, lowest interest rates, or disbursal of funds. Loan outcomes depend entirely on lender policies, applicant eligibility, and document verification.

6. User Responsibilities

Provide accurate, complete, and truthful information Submit valid and genuine documents only Read and understand lender terms before acceptance Avoid misuse of the platform for fraudulent activities Lightpaisa shall not be responsible for consequences arising from incorrect or false information provided by the user.

7. Third-Party Lenders & Services

Lightpaisa acts only as a facilitator between users and third-party banks or NBFCs. We do not control, endorse, or guarantee any lender’s services, offers, or policies.

8. Limitation of Liability

Lightpaisa shall not be held liable for:

Loan rejection or delay in approval/disbursal Changes in lender policies or eligibility criteria Financial loss, credit score impact, or business loss Any action taken by banks or NBFCs

9. Data Sharing Consent

By submitting your details on Lightpaisa, you authorize us to share your information with relevant banks, NBFCs, and financial partners for loan processing and communication purposes.

10. Intellectual Property Rights

All content, branding, logos, design, and text on this website belong to Lightpaisa. Unauthorized reproduction or commercial use is strictly prohibited.

11. Suspension or Termination

Lightpaisa reserves the right to restrict or terminate access to users found violating these Terms, engaging in fraud, or misusing the platform.

12. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by the laws of India. Any disputes shall be subject to the jurisdiction of Indian courts only.

13. Modification of Terms

Lightpaisa may update these Terms & Conditions at any time without prior notice. Continued use of the website indicates acceptance of the updated terms.

14. Contact

For any clarification regarding these Terms & Conditions, please contact us through the official Lightpaisa website.