At ZetBanker, your trust and transparency are our top priorities. The purpose of this Disclaimer Policy is to clearly explain our role, responsibilities, and limitations in providing loan-related information. By using our website or services, you agree to the terms outlined in this disclaimer.
1. No Direct Lending
ZetBanker is a loan marketplace and financial advisory platform. We do not provide loans directly, nor do we act as a lender. All loans are provided by our partner banks and Non-Banking Financial Companies (NBFCs).
Our role is to connect borrowers with trusted lending partners, helping you find loan products that may suit your financial needs. While we strive to provide accurate information, ZetBanker cannot guarantee loan approval, disbursal, or the terms offered by the lender.
Users acknowledge that by applying through our platform, they are entering into an agreement with the respective lender, not with ZetBanker.
2. Loan Eligibility & Approval
Each loan application is subject to the eligibility criteria, verification process, and discretion of the lending institution. Approval depends on several factors including, but not limited to:
- Your age and residential status
- Your income and employment details
- Credit score and credit history
- Submission of valid KYC documents
ZetBanker provides guidance and facilitates the application process, but we cannot influence or guarantee the lender’s decision. Users are responsible for providing accurate information and ensuring they meet the lender’s requirements.
3. Interest Rates, Fees & Charges
Interest rates, processing fees, and other charges vary depending on the loan type, lender, borrower’s profile, and repayment schedule.
- Indicative information: ZetBanker provides approximate rates and fees for comparison purposes.
- Verification required: Users should always verify actual interest rates, EMI, prepayment charges, and other terms directly with the lender before applying.
ZetBanker is not liable for any differences between displayed rates and final loan terms provided by the bank or NBFC.
4. Accuracy of Information
ZetBanker strives to provide up-to-date, accurate, and reliable information about loans, lenders, interest rates, and repayment options.
However:
- We cannot guarantee the completeness or accuracy of all information at all times.
- Lenders may change terms, interest rates, or eligibility criteria without notice.
- Users should independently verify all information before taking financial decisions.
All content on our platform is intended for informational purposes only and should not be considered professional financial advice.
5. Financial Decisions & Responsibility
The financial services listed on ZetBanker, including personal loans, business loans, and mortgages, are provided by third-party lenders. Users are solely responsible for:
- Making informed borrowing decisions
- Ensuring they understand interest rates, repayment schedules, and penalties
- Evaluating whether they can afford the loan without financial strain
ZetBanker does not provide investment advice or guarantee financial outcomes. Users should seek guidance from qualified financial advisors if required.
6. Third-Party Links & Content
Our website may contain links to third-party websites, services, or tools.
- These links are provided for user convenience and reference only.
- ZetBanker does not control or endorse third-party websites.
- Users accessing external sites do so at their own risk and should review the terms, privacy policies, and disclaimers of such sites.
7. Limitation of Liability
ZetBanker, its employees, affiliates, or partners shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Use or inability to use the platform
- Decisions based on the information provided on the website
- Any errors, omissions, or inaccuracies in loan information
- Loan disbursal, non-approval, or delays by lending partners
By using ZetBanker, users acknowledge and accept these limitations.
8. Security & Privacy
ZetBanker prioritizes user data security and confidentiality. We use encryption, secure servers, and verified protocols to protect personal and financial information.
However, ZetBanker is not liable for unauthorized access or misuse of information once it is shared with third-party lenders as part of the loan application process. Users are advised to follow safe online practices when using our platform.
9. Updates to Disclaimer
ZetBanker reserves the right to update or modify this Disclaimer Policy at any time without prior notice. Users are encouraged to review this page periodically to stay informed of any changes. Continued use of the website constitutes acceptance of the updated disclaimer.
By using ZetBanker, you acknowledge and agree that all financial decisions are your responsibility and that ZetBanker only acts as a facilitator connecting you with trusted lenders