Terms and Conditions

Terms & Conditions - LoanKagyan.online

Effective Date: January 4, 2026

Welcome to LoanKagyan.online (“we”, “us”, “our”). These Terms & Conditions (“Terms”) govern your access to and use of the website https://www.loankagyan.online (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

Use of the Site

  • The Site provides information about loans, banking, government schemes, student loans, calculators, and related content for informational purposes only.
  • You may use the Site for lawful purposes only. You agree not to use the Site in any way that violates applicable laws or these Terms.

No Financial, Legal or Professional Advice

  • Content on this Site is for general informational and educational purposes only and does not constitute financial, legal, tax, or professional advice.
  • Always consult a qualified professional (bank, licensed financial advisor, lawyer, or official government source) before making financial decisions. We are not responsible for actions you take based on the Site’s content.

Calculators & Tools

  • Any calculators, estimators or tools on the Site are approximate and provided for convenience. Results are illustrative only and should not be relied upon for final decisions.
  • We do not guarantee accuracy, completeness, or availability of calculators or tools.

Ads, Affiliate Links & Monetization

  • The Site displays third-party advertising (including Google AdSense) and may contain affiliate links. We may earn a commission if you click or make a purchase through affiliate links at no extra cost to you.
  • Third-party ads may use cookies and tracking technologies. See our Privacy Policy for details about cookies, analytics, and ad personalization.

User Content, Comments, Moderation

  • If you post comments, reviews, or other content, you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, publish, and display that content on the Site.
  • You must not post content that is unlawful, defamatory, abusive, spammy, infringing, or otherwise objectionable.
  • We reserve the right to remove, edit, or refuse any user content at our discretion without notice.

Intellectual Property

  • All website design, text, graphics, logos, images, videos, and other content on the Site are owned by us or our licensors and are protected by copyright, trademark, and other laws.
  • You may view and download content for personal, non-commercial use only. Unauthorized use, reproduction, or distribution is prohibited.

External Links & Third-Party Sites

  • The Site may contain links to third-party websites (banks, government portals, news sites). We do not control and are not responsible for their content, policies, or practices.
  • Linking does not imply endorsement. Please review the privacy and terms of any third-party site you visit.

Limitation of Liability

  • Since this website provides free information only and does not charge users any fees, LoanKagyan.online shall not be liable for any loss, damage, or harm of any kind, whether direct or indirect, arising from the use of this website or reliance on any information provided here.
  • Users access and use this website entirely at their own risk.

Indemnification

  • You agree to indemnify and hold us harmless from any claims, liabilities, losses, damages, and expenses (including reasonable legal fees) arising out of your use of the Site, your breach of these Terms, or any content you submit.

Termination

  • We may suspend or terminate your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or the Site.

Privacy

  • Use of your personal data is governed by our Privacy Policy. By using the Site you also agree to the terms of the Privacy Policy.

Governing Law & Disputes

  • These Terms are governed by the laws of India. Any dispute arising from or related to these Terms or the Site shall be subject to the exclusive jurisdiction of courts in India (you can specify a state/city if you prefer).

Changes to Terms

  • We may update these Terms from time to time. We will post the updated Terms with a new “Effective Date.” Continued use after changes constitutes acceptance of the updated Terms.

Contact Us

If you have questions about these Terms, please contact us:

Additional Notes & Disclaimers

  • Accuracy: While we strive for accuracy, we cannot guarantee that all content is up to date or error-free. Loan rules and schemes change frequently, always verify with official sources.
  • No Guarantee of Results: We do not guarantee loan approvals or outcomes. Information is educational only.
  • Children: The Site is not intended for children under 13. We do not knowingly collect information from children under 13.

 

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