Terms and Conditions – SmartLoan

 

Terms and Conditions – SmartLoan - Eligibility Check

Acceptance of These Terms

Welcome to SmartLoan - Eligibility Check. These Terms and Conditions explain the rules governing your access to and use of this application ("App", "Application", "Service", "we", "our", or "us").

By downloading, installing, or using SmartLoan - Eligibility Check, you agree to comply with these Terms. If you do not agree with any part of these Terms and Conditions, please stop using the application immediately.

Purpose of the Application

SmartLoan - Eligibility Check is a financial calculator designed to assist users by providing tools that help:

  • Estimate loan eligibility

  • Calculate Equated Monthly Installments (EMI)

  • Compare loan repayment scenarios

  • Perform basic financial calculations

  • Support general financial planning

The information and calculations available in the application are provided for educational and informational purposes only.

No Banking or Financial Advice

SmartLoan - Eligibility Check is not a bank, lender, loan provider, NBFC, financial advisor, or investment company.

The application does not:

  • Issue or approve loans

  • Reject loan applications

  • Offer credit facilities

  • Provide investment or legal advice

  • Guarantee loan approval or borrowing capacity

Any eligibility estimates or EMI calculations generated by the app are approximate values and should not be considered official financial decisions.

Before making important financial commitments, users should verify information with their bank, lender, NBFC, or a qualified financial advisor.

User Obligations

While using the application, you agree to:

  • Use the app only for lawful purposes

  • Enter accurate information when using calculators

  • Submit truthful information when contacting customer support

  • Avoid activities that interfere with the application's normal operation

  • Refrain from attempting unauthorized access, modification, or misuse of the app

You are solely responsible for any decisions made based on the calculations or information generated by the application.

Advertisements

To support ongoing development and maintenance, SmartLoan - Eligibility Check may display advertisements through third-party advertising platforms such as Google AdMob.

We are not responsible for:

  • The accuracy of advertised products or services

  • Offers made by advertisers

  • Transactions between users and advertising partners

Any interaction with third-party advertisements is entirely at the user's own discretion.

For more information about Google's advertising practices, please visit:

https://policies.google.com/technologies/ads

Third-Party Services

The application may rely on trusted third-party services to provide analytics, crash reporting, advertising, and other technical functionality.

These services may include:

  • Google Play Services

  • Google AdMob

  • Firebase

  • Firebase Analytics

  • Firebase Crashlytics

  • Meta SDK

Each third-party provider operates according to its own privacy practices and terms of service. We are not responsible for the policies or content maintained by these external providers.

Useful references include:

Google Privacy Policy:
https://policies.google.com/privacy

Firebase Privacy Information:
https://firebase.google.com/support/privacy

Meta Privacy Policy:
https://www.facebook.com/privacy/policy

Intellectual Property Rights

All application content, including but not limited to logos, graphics, branding, text, layouts, software, and design elements, is owned by us or used with appropriate authorization.

Without our prior written permission, users may not:

  • Copy application content

  • Redistribute any part of the app

  • Reverse engineer or decompile the software

  • Modify application assets

  • Use our trademarks or branding for commercial purposes

Unauthorized use may result in legal action where permitted by applicable law.

Disclaimer

The application is provided on an "AS IS" and "AS AVAILABLE" basis.

Although we strive to keep the application accurate and reliable, we do not guarantee:

  • Complete accuracy of calculations

  • Continuous availability of the service

  • Error-free performance

  • Compatibility with every device

  • Suitability for any specific financial situation

Users should exercise independent judgment before relying on any information produced by the application.

Limitation of Liability

To the fullest extent permitted by applicable law, SmartLoan - Eligibility Check, its owners, developers, and affiliates shall not be responsible for any direct, indirect, incidental, or consequential losses arising from the use of the application.

This includes, but is not limited to:

  • Financial losses

  • Missed business opportunities

  • Data loss

  • Service interruptions

  • Decisions based on loan estimates or financial calculations

Users acknowledge that all calculations are estimates and actual financial outcomes may differ.

Updates and Improvements

We may modify, enhance, suspend, or discontinue parts of the application at any time without prior notice.

Updates may include:

  • New features

  • Performance enhancements

  • Security improvements

  • Bug fixes

  • Interface updates

Keeping the application updated ensures access to the latest improvements.

Suspension or Termination

We reserve the right to limit or terminate access to the application if we determine that a user has violated these Terms, misused the service, or engaged in activities that could harm the application or other users.

Children's Use

SmartLoan - Eligibility Check is not intended for individuals under 13 years of age.

We do not knowingly permit children to use features that involve the collection of personal information. If such information is identified, reasonable steps will be taken to remove it.

Modifications to These Terms

We may revise these Terms and Conditions from time to time to reflect updates to our services, legal requirements, or operational changes.

The latest version will always be available within the application or on the associated policy page. Your continued use of the application after any revisions indicates your acceptance of the updated Terms.

Contact Information

If you have any questions, comments, or concerns regarding these Terms and Conditions, you may contact us at:

Email: hdantaliya@gmail.com

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