Privacy Policy 

Last Updated: September 14, 2025

1. Introduction

ModiLoan respects your privacy and is committed to protecting your personal data in compliance with the Information Technology Act, 2000, and other applicable Indian laws. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site, use the loan calculator, read our blog, or engage our services.

2. Information We Collect

Personal Information

When you fill out forms for loan consultations or service booking:

• Name, email, phone number, address.
• Financial details like income, loan amount required (shared only with partners for processing).

Non-Personal Information

• IP address, browser type, usage data via cookies.
• Blog interactions (views, comments if enabled).

3. How We Use Your Information

• To connect you with suitable loan products via our free agent service.
• Improve Site features, like the loan calculator.
• Send promotional emails (with opt-out option).
• Comply with legal requirements.

4. Sharing Your Information

We share data only with trusted partner NBFCs and banks for loan processing. We do not sell your data to third parties. Service providers (e.g., Google Forms for booking) are bound by confidentiality.

5. Data Security

We use SSL encryption and secure servers to protect your data. However, no system is completely secure, and we disclaim liability for unauthorized access beyond our control.

6. Cookies and Tracking

The Site uses cookies for analytics (Google Analytics). You can manage cookies via browser settings.

7. Your Rights

• Access, correct, or delete your data by contacting us.
• Opt-out of marketing communications.

8. Children’s Privacy

Our services are not for individuals under 18. We do not knowingly collect data from children.

9. Changes to Policy

We may update this policy. Changes will be posted here with the update date.

10. Contact Us

For privacy concerns, email us below.

Get in Touch

• Email: [email protected]
• Phone: 8350883080
• WhatsApp: 8350883080
• GST: 22AAAAA0000A1Z5
• Address: Near HP Petrol Pump, Rehan, Himachal Pradesh 176022### Terms and Conditions

Last Updated: September 14, 2025

1. Introduction Welcome to ModiLoan (“we”, “us”, or “our”). These Terms and Conditions (“Terms”) govern your use of our website modiloan.in (the “Site”), including our blog section, loan calculator tool, and services connecting you with Non-Banking Financial Companies (NBFCs) and banks in India for various loan products. 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.
2. Eligibility You must be at least 18 years old and a resident of India to use our services. By using the Site, you represent that you meet these requirements and have the legal capacity to enter into these Terms.
3. Services Provided ModiLoan is a platform that connects users with top financial institutions for personal loans, business loans, home loans, and more. We offer a free loan agent service and free loan settlement assistance. We do not provide loans directly; all loans are subject to approval by our partner institutions.

• Loan Calculator: Our EMI calculator is for informational purposes only and does not constitute financial advice.
• Blog Section: Content is for educational purposes and not a substitute for professional advice.

4. User Responsibilities
5. Provide accurate information during loan applications or consultations.
6. Comply with all applicable laws, including RBI guidelines.
7. Not use the Site for any unlawful purpose.
8. Intellectual Property All content on the Site, including text, graphics, and the loan calculator tool, is owned by ModiLoan or our licensors and protected by copyright laws.
9. Limitation of Liability We are not liable for any indirect, incidental, or consequential damages arising from your use of the Site or our services. Loan decisions are made by partner institutions.
10. Changes to Terms We may update these Terms at any time. Continued use of the Site after changes constitutes acceptance.
11. Governing Law These Terms are governed by the laws of India. Any disputes shall be resolved in the courts of Himachal Pradesh.
12. Contact Us If you have questions about these Terms, contact us at the details below.

Get in Touch Email: [email protected] Phone: 8350883080 WhatsApp: 8350883080 GST: 22AAAAA0000A1Z5 Address: Near HP Petrol Pump, Rehan, Himachal Pradesh 176022