1. Acceptance of Terms
By accessing and using MoneyCashe (moneycashe.in), you accept and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our website or services. Your continued use constitutes acceptance of any changes we may make.
2. About MoneyCashe
MoneyCashe is a loan assistance and enquiry platform in India. We help users submit loan enquiries, understand documentation and explore loan options from banks, NBFCs or finance partners. MoneyCashe is not a bank or lender; final approval, rates, charges and disbursal are decided by the selected lender.
Registered Address: C101 3rd Floor, Sector 2, Noida 201301, India
3. Eligibility
To use our services, you must:
- Be at least 21 years old and a resident of India
- Have a valid government-issued ID (PAN, Aadhaar, DL, etc.)
- Provide accurate and truthful information in the application
- Have a minimum credit score of 600+ (varies by lender and loan type)
- Have regular income or business revenue
4. Loan Application Process
Steps:
- Submission: You provide basic details through our online form
- Verification: Our team verifies information and documents
- Bank Submission: Your application is shared with eligible lenders
- Lender Assessment: Banks process and approve/reject applications
- Option Review: Eligible lender options may be shared based on your profile and documents.
- Selection & Disbursement: You choose an offer; funds are disbursed
Timeline: Our team aims to assist quickly after enquiry submission. Lender review, approval and disbursal timelines vary by lender, customer profile and documentation.
5. Charges & Fees
MoneyCashe charges are:
- Application Fee: FREE (no charge for applying)
- Processing Fee: Any processing fee or charge is determined by the selected lender and should be reviewed before proceeding.
- DSA Commission: Paid by lenders, not charged to you
Important: All loan charges (interest, insurance, documentation fees) are determined by the selected lender and disclosed before you sign the agreement. We are not responsible for bank charges.
6. Representations & Warranties
You represent and warrant that:
- All information provided is accurate, complete, and true
- You are legally authorized to enter into a loan agreement
- You have not misrepresented your income or employment status
- Documents provided are original and unaltered
- You are not under any legal restriction to borrow
- Your credit information is not fraudulently obtained
Misrepresentation may result in application rejection and legal action by lenders.
7. Limitation of Liability
MoneyCashe is not responsible for:
- Loan Approval/Rejection: Lenders make independent decisions based on their criteria
- Loan Terms & Interest Rates: Determined solely by the selected bank
- Website Downtime: We aim for 99% uptime but make no guarantees
- Third-Party Errors: Data breaches at partner banks or payment gateways
- Delays in Processing: Due to incomplete documents or lender delays
Disclaimer: MoneyCashe does not guarantee loan approval. Eligibility and approval are at the lender's discretion. Past approvals do not guarantee future approvals.
8. User Responsibilities
You agree to:
- Provide only true and accurate information
- Keep your login credentials confidential
- Not share your application details with unauthorized parties
- Report unauthorized access immediately
- Not attempt to manipulate or hack the website
- Comply with all applicable laws while borrowing
- Repay loans according to the agreed terms
9. Intellectual Property
All content on MoneyCashe (logos, text, images, design) is our intellectual property. You may not copy, reproduce, or distribute without written permission. Unauthorized use may result in legal action.
10. Prohibited Activities
You agree not to:
- Provide false or fraudulent information
- Use the website for illegal purposes
- Access or attempt to access restricted areas
- Interfere with website operations or security
- Spam, harass, or abuse our team members
- Copy or scrape website content
- Use automated tools (bots, scrapers) without permission
Violations will result in account termination and may lead to legal action.
11. Modification of Terms
MoneyCashe reserves the right to modify these terms at any time. Changes become effective upon posting to the website. Continued use implies acceptance. We will notify major changes via email.
12. Termination of Service
We may terminate your access if you:
- Violate any terms in this agreement
- Provide false or fraudulent information
- Engage in illegal activities
- Misuse the platform
13. Dispute Resolution
Grievance Resolution Process:
- Contact our grievance officer: info@moneycashe.in
- Response time: Within 48 hours
- If unresolved: You may approach the relevant lender grievance channel or applicable regulatory forum.
- Jurisdiction: Delhi/NCR courts have jurisdiction
14. Governing Law
These Terms & Conditions are governed by the laws of India, particularly:
- Reserve Bank of India Act, 1934
- Information Technology Act, 2000
- Indian Contract Act, 1872
- Negotiable Instruments Act, 1881
15. Contact Information
For queries or concerns:
Email: info@moneycashe.in
Phone: +91 8800325494
Address: C101 3rd Floor, Sector 2, Noida 201301
Business Hours: Monday-Saturday, 10 AM - 6 PM IST