Terms & Conditions

Welcome to LendingLeaf — a digital financial marketplace operated by Digitar Media Pvt. Ltd., a company incorporated under the laws of India, with its registered office at Noida Sector-03, Uttar Pradesh – 201301, India.

These Terms & Conditions ("Terms") govern your access to and use of the LendingLeaf website at https://lendingleaf.in and all related services, forms, features, and content (collectively, the "Platform"). These Terms apply to all visitors, users, and others who access or use the Platform.

These Terms should be read together with our Privacy Policy, which is incorporated herein by reference.

Effective Date: April 9, 2026  |  Last Updated: April 9, 2026

By accessing the Platform, submitting any form, clicking "Send OTP", checking the consent box, or otherwise using our services in any manner, you confirm that you have read, understood, and agree to be legally bound by these Terms.

If you do not agree with any part of these Terms, you must immediately stop using the Platform and refrain from submitting any personal information.

If you are using the Platform on behalf of an organization, you represent that you have the authority to accept these Terms on that organization's behalf.

LendingLeaf provides the following services through its Platform:

After you submit your details, one or more of our partner lenders may contact you directly via phone, SMS, WhatsApp, or email to discuss your loan application. LendingLeaf facilitates this connection but does not participate in or control the loan negotiation or approval process.

Services are provided "as is" and are subject to availability. We reserve the right to modify, suspend, or discontinue any feature without prior notice.

All loan products displayed on or through our Platform are offered by independent, RBI-registered NBFCs and scheduled commercial banks. These institutions operate under their own terms, conditions, and regulatory frameworks. LendingLeaf acts solely as a technology intermediary connecting users with these institutions.

Any loan agreement you enter into will be exclusively between you and the lending institution. LendingLeaf is not a party to that agreement and holds no liability for the terms, performance, or consequences of any such agreement.

All content published on the Platform is for general informational and educational purposes only. EMI calculations, eligibility estimates, and interest rate ranges shown are illustrative and approximate. Actual loan terms will be determined exclusively by the lending institution.

We strongly encourage you to:

• Read all loan documents carefully before signing
• Consult a qualified financial advisor for personalized advice
• Compare multiple offers independently before making any borrowing decision
• Understand the total cost of borrowing (principal + interest + fees) before applying

LendingLeaf shall not be liable for any financial decision made by a user based on information published on or communicated through the Platform.

By submitting any form on the Platform and checking the mandatory consent checkbox, you explicitly agree to receive communications from LendingLeaf and its partner lenders.

By using the Platform and consenting to our terms, you authorize LendingLeaf to share your submitted personal and financial information as described below. Full details of data handling are available in our Privacy Policy.

Accessing your own credit score through our Platform constitutes a "soft inquiry" and does not negatively impact your CIBIL score. However, when you apply through a lender, that institution may run its own independent "hard inquiry" which may affect your score.

Credit information fetched is used exclusively to display your score and match you with appropriate lenders. It is purged within 1 Business Day of the transaction, in compliance with CICRA 2005 and RBI guidelines.

Each lender applies its own credit policies, eligibility criteria, income requirements, and risk assessment models. LendingLeaf has no control over these decisions. Loan offers shown on the Platform are indicative and subject to verification by the lender.

Interest rates shown on the Platform typically range from 10% to 36% APR, depending on the lender, the applicant's profile, and the loan product. Actual rates may vary significantly based on your individual assessment.

Disbursal timelines are dependent entirely on the lender's processing workflow and document verification. LendingLeaf makes no representations about the speed of approval or disbursement.

To the maximum extent permitted by applicable law, LendingLeaf and its directors, employees, partners, and affiliates shall NOT be liable for:

• Any loan rejection, approval, or terms set by a lending institution
• Any financial loss, debt, or liability incurred by you as a result of a loan product
• Any direct, indirect, incidental, special, or consequential damages arising from use of the Platform
• Any errors, inaccuracies, or omissions in the credit score or loan offer information
• Any unauthorized access to your personal information through events beyond our reasonable control
• Any actions or omissions by third-party lenders, credit bureaus, or service providers
• Interruptions, technical errors, or downtime affecting access to the Platform
• Any communication, offer, or representation made directly by a lending partner

In no event shall LendingLeaf's total cumulative liability to any user exceed ₹1,000 (One Thousand Rupees) for any claims arising out of or related to use of the Platform, regardless of the form of action.

Some jurisdictions may not permit certain limitations of liability. In such cases, the limitation shall apply to the maximum extent permitted by law in your jurisdiction.

All content, materials, features, and functionality on the LendingLeaf Platform — including but not limited to the brand name, logo, domain name, website design, graphics, text, blog articles, calculators, and underlying software — are the exclusive property of Digitar Media Pvt. Ltd. and are protected by applicable Indian and international intellectual property laws.

Unauthorized use of any intellectual property belonging to LendingLeaf may result in legal action under applicable Indian law, including the Copyright Act, 1957 and the Trade Marks Act, 1999.

While using the Platform, you agree NOT to engage in any of the following activities:

Violation of any prohibited activity may result in immediate suspension of access, reporting to relevant authorities, and pursuit of civil or criminal remedies as permitted by law.

LendingLeaf reserves the right, at its sole discretion and without prior notice, to:

• Restrict, suspend, or permanently block your access to the Platform
• Remove or disable any content submitted by you
• Take appropriate legal action for violation of these Terms or applicable law
• Report fraudulent activity to law enforcement or regulatory authorities

LendingLeaf may also terminate or suspend services for reasons including but not limited to: technical issues, regulatory requirements, business decisions, or failure to comply with these Terms.

Upon termination, all rights granted to you under these Terms will immediately cease. Provisions of these Terms that by their nature should survive termination (including Sections 4, 5, 11, 12, and 15) shall continue to apply.

These Terms & Conditions are governed by and shall be construed in accordance with the laws of the Republic of India, including but not limited to:

• The Information Technology Act, 2000 (as amended)
• The Indian Contract Act, 1872
• The Consumer Protection Act, 2019
• The Reserve Bank of India Act, 1934 and related guidelines
• The Credit Information Companies (Regulation) Act, 2005 (CICRA)

Before resorting to litigation, both parties agree to attempt in good faith to resolve any dispute through amicable negotiation for a period of 30 days from the date of written notice of the dispute.

LendingLeaf reserves the right to update, modify, or replace any part of these Terms at any time at its sole discretion. This may include changes due to:

• Regulatory or legal requirement changes in India
• New features or services added to the Platform
• Changes in our business model or partnerships
• User feedback or operational improvements

When changes are made, we will update the "Last Updated" date at the top of this page. For significant changes that materially affect your rights or obligations, we will endeavour to notify you via email or a Platform notice.

Your continued use of the Platform after any changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Platform.

We recommend reviewing these Terms periodically. Historical versions are available on request at legal@lendingleaf.in.

For any questions, concerns, or legal queries regarding these Terms & Conditions, please contact us: