Terms & Conditions

By accessing or using the website, interface panels, dynamic web modules, or backend services of VidyaLoans, you agree to comply with and be legally bound by these Terms & Conditions.

If you do not accept these Service Terms in their entirety, you must immediately terminate usage of this website and discontinue applying for education loans through our system.

To register an active account, create matched profiles, and utilize the education loan acceleration features of VidyaLoans:

• You must be a citizen of India or a legally recognized resident of an eligible jurisdiction.
• You must be applying for studies at a qualified global university or domestic institution.
• You must have a co-applicant who meets baseline credit rating scores and has verified income sources under local taxation laws.

VidyaLoans acts as a centralized matching and application consolidation helper platform:

• We consolidate interest rates, banking fees, and lending conditions based on bank specifications. Matching scores represent estimations, not final commitments from banking partners.
• Lenders reserve ultimate discretionary authority to sanction, approve, reject, or modify loan terms. VidyaLoans is not a direct banking institution or primary capital provider.
• All interactive software instruments, including the Grade Converter, EMI calculator, and Admit Predictor, are designed to assist estimation efforts. They do not constitute certified academic or financial counseling guarantees.

Students assume absolute responsibility for the integrity and legitimacy of all files submitted via the portal:

• You guarantee that all academic scorecards, identification cards, co-applicant salaries, and asset declarations are true, accurate, and completely unedited.
• Submitting forged documents, falsified bank records, or misleading credentials constitutes a severe violation of service terms and may lead to instant account termination and legal reporting to partner banks.

The software architectures, layout interfaces, algorithms, logo styles, source code, data trackers, and dynamic content on VidyaLoans are the sole property of VidyaLoan Inc. and are protected by domestic and global intellectual property laws.

You agree not to reverse engineer, duplicate, crawl, extract, or scrape any software modules or database contents without written permission from VidyaLoan Inc.

VidyaLoans and its executives, directors, or banking developers shall not be liable for any indirect, incidental, special, or consequential damages resulting from:

• The denial, rejection, or delay of a loan application by any bank or NBFC.
• Temporary system outages, technical maintenance downtime, or database access failures.
• Any financial choices, interest rate fluctuations, or repayment commitments students finalize with external banks.

These Terms & Conditions are governed and constructed in accordance with the laws of the Republic of India.

Any legal disputes, claims, or regulatory arguments concerning VidyaLoans operations shall be submitted to the exclusive jurisdiction of the competent courts of Hyderabad, Telangana, India.