Terms & Conditions

IMPORTANT: These Terms create a binding contract between KeyToLoans and you when you access the KeyToLoans website. By using the website, you acknowledge that you have read, understood, and accepted these Terms, along with the Privacy Policy (as defined in these Terms). These Terms encompass your entire rights, obligations, and remedies related to your use of the KeyToLoans website. If you do not agree to these Terms, you should not proceed to use the website. Your use of the website and acceptance of these Terms represent your representation that you are at least 18 years of age or have legal parental or guardian consent, and that you are fully capable and competent to accept and abide by these Terms.

1. Description of the KeyToLoans Website

1.1. The KeyToLoans website provides access to loans and other credit facilities ("Credit Facilities") offered by Banks, Non-Banking Financial Companies (NBFCs), and other approved lending institutions ("Lenders"). The website auto-tracks, organizes, and analyzes your Transaction Information (as defined in these Terms) to provide you with various credit products. You hereby consent to KeyToLoans sharing Transaction Information with Affiliates and Lenders.

1.2. "Transaction Information" refers to information contained in text messages (SMS) sent by service and product providers to your mobile telephone number(s) in connection with various transactions across multiple financial accounts. Transaction Information includes your mobile phone number, email address, partial payment card data disclosed in the messages, and information related to the transaction.

1.3. The KeyToLoans website does not directly access your bank, credit card, or debit card account information, or any Transaction Information beyond what is contained in SMS messages you receive on your phone. The website does not require your bank login ID or password.

1.4. "Affiliates" refers to any entities incorporated and controlled by KeyToLoans, whether through ownership of the majority of voting capital, appointment of a majority on the board of directors, or other management rights.

2. Applicability of the Terms

2.1. By using the KeyToLoans website, you unconditionally consent to these Terms, including the introductory paragraphs titled "IMPORTANT," the "Privacy Policy" available on the Website, and any other notices, disclaimers, policies, or terms that may apply to the use of the website.

2.2. If you disagree with any of these Terms, the Privacy Policy, or any other policies or terms requiring your consent, please do not use the KeyToLoans website. KeyToLoans reserves the right to amend these Terms at any time, with any such amendments becoming binding on you 24 hours after they are made available on the Website.

3. Use of the KeyToLoans Website

3.1. In your use of the KeyToLoans website, you must comply with all applicable laws.

3.2. KeyToLoans does not provide, control, or endorse any third-party information, products, or services unless explicitly stated.

3.3. KeyToLoans is not responsible for any delays or failures resulting from infrastructure issues, including server uptime, network availability, and connectivity.

4. Consideration and Payment Terms

4.1. Even if the KeyToLoans website is initially provided for free, KeyToLoans has the right to charge subscription fees as determined from time to time.

4.2. All payments must be made using methods specified by KeyToLoans, such as credit cards or debit cards.

5. Termination and Suspension

5.1. KeyToLoans may terminate your use of the website at any time, with or without notice, and with or without any reasons, without liability to you.

5.2. KeyToLoans may terminate these Terms without notice and without liability to you if you have violated these Terms or any other guidelines and rules related to the website. KeyToLoans may block, restrict, disable, suspend, or terminate your access to the website at any time in its discretion, without prior notice or liability.

6. No Lending

6.1. KeyToLoans is not a lender. It operates the website to facilitate your application for Credit Facilities. The terms and conditions of any Credit Facility made available to you by a Lender will be solely between you and the Lender, and KeyToLoans will not be a party to such terms.

6.2. KeyToLoans and its representatives are not responsible for the rejection of your Credit Facility application or other refusal by Lenders, and KeyToLoans is not obliged to provide reasons for such refusal. KeyToLoans does not provide loans or other Credit Facilities.

7. Other Disclaimers

7.1. To the fullest extent permitted by applicable law, KeyToLoans, its third-party partners, licensors, and suppliers disclaim all warranties, whether statutory, express, or implied.

7.2. You expressly agree that your use of the KeyToLoans website is at your sole risk. The website, any data, information, third-party software, reference sites, services, or software made available through the website are provided on an "as is" and "as available" basis.

7.3. KeyToLoans and its third-party suppliers do not warrant or make representations regarding the correctness, accuracy, reliability, or other aspects of the website or its content.

7.4. You understand and agree that any information, materials, or data you obtain through the KeyToLoans website is at your discretion and risk, and you are solely responsible for any damage to your property or loss of data resulting from the use of such materials or data.

7.5. You acknowledge that you have entered into these Terms in reliance on the disclaimers, limitations, and other provisions, and that these provisions form an essential basis of the agreement between you and KeyToLoans. KeyToLoans would not provide the website on reasonable terms without these provisions.

7.6. Any information provided by the website about third-party services or products does not constitute KeyToLoans' endorsement or approval of such products and services.

8. Intellectual Property

8.1. KeyToLoans and its licensors, if any, are the sole owners of the website, including its concept, content, copyrights, trademarks, designs, logos, and other trade insignia. These elements are protected by intellectual property laws.

9. Consents

9.1. In addition to the consents given under the Privacy Policy, you hereby consent to:
(a) Lenders retrieving your credit score from third-party providers for evaluating your eligibility for a Credit Facility.
(b) Lenders sharing your credit score with KeyToLoans.
(c) KeyToLoans sharing Transaction Information with its Affiliates and Lenders. KeyToLoans does not retrieve your credit score from any source itself.

10. Limitation of Liability

10.1. In no event shall KeyToLoans, its officers, directors, employees, contractors, agents, licensors, partners, or suppliers be liable to you for any direct, special, indirect, incidental, consequential, punitive, reliance, or exemplary damages, even if advised of the possibility of such damages.

11. Indemnity

11.1. You agree to defend, indemnify, and hold harmless KeyToLoans, its Affiliates, officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, and expenses, including attorney's fees. This indemnification obligation survives these Terms and the use of the KeyToLoans website.

12. Governing Law and Arbitration

12.1. These Terms are governed by and construed in accordance with the laws of the Republic of India. The KeyToLoans website is operated from India, and if you are a user outside India, you accept Indian law and jurisdiction. KeyToLoans makes no representations that the website is suitable for use in other locations, and you are solely responsible for complying with local laws.

12.2. Disputes should be initially attempted to be resolved amicably for thirty days. Unresolved disputes will be referred to an independent arbitrator in Bangalore, in accordance with the Arbitration and Conciliation Act, 1996. You consent to the exclusive jurisdiction of the courts in Bangalore Urban District.

13. Miscellaneous

13.1. Notices
Any notices to KeyToLoans should be sent by registered mail or recognized courier to the address provided above.

13.2. Force Majeure
Performance delays due to Force Majeure Events beyond a party's control will excuse performance under these Terms, with exceptions for payment obligations.

13.3. Severability
Unenforceable provisions do not affect the validity of the remaining provisions.

13.4. No Waiver or Election
Failure to exercise a right does not waive it, and rights under these Terms are cumulative.

13.5. Assignment
Your right to use the KeyToLoans website is personal and not transferable.

13.6. Communications
You consent to receive promotional and marketing communications about products and services through your registered email/phone. This may override any previously registered DND or DNC services on your phone.