Terms & Conditions.

Last updated: April 2026

Effective for all users accessing yourtrust.in and related services

These Terms & Conditions (“Terms”) govern your use of YourTrust Financial Hub website and services. By accessing, browsing, or using our platform, you agree to be legally bound by these Terms, our Privacy Policy, and all applicable Indian laws including DPDP Act 2023, Consumer Protection Act 2019, IT Act 2000, RBI Guidelines, and PMLA 2002.

Acceptance of Terms

1.1 By accessing this website or using our services, you confirm you are:

  • 18 years or older (minors prohibited)
  • Legally competent to enter contracts
  • Residing in India or an eligible jurisdiction

1.2 We may modify these Terms anytime. Continued use after changes = acceptance.

Nature of Services – Critical Disclaimer

YourTrust Financial Hub is NOT a lender, bank, or NBFC.

  • Loan Aggregation Platform: We facilitate connections between users and RBI-regulated lending partners (banks/NBFCs).
  • No Guarantee of Approval: Loan approvals, interest rates, terms, disbursal timelines, and rejection decisions rest SOLELY with partner lenders.
  • Indicative Information Only: All rates, EMIs, eligibility criteria displayed are illustrative, sourced from partner lenders, and subject to change without notice.
  • Purely Advisory: Our role is limited to information aggregation and advisory. We exercise no control over lender decisions.

User Eligibility & KYC Obligations

Mandatory Requirements:

✅ Valid KYC documents (PAN, Aadhaar, address proof)

✅ Accurate financial information

✅ No misrepresentation of income/assets

✅ Compliance with PMLA 2002

Prohibited Users:

Your data is used solely for:

  • Politically Exposed Persons (without disclosure)
  • Politically Exposed Persons (without disclosure)
  • Minors or legally incompetent persons

User Responsibilities & Representations

You agree to:

  • Provide truthful, accurate, complete information
  • Update material changes in financial status
  • Authorize credit checks (CIBIL)
  • Comply with lender terms post-connection

Misrepresentation Consequences:

You agree to:

  • Immediate account termination
  • Blacklisting from platform
  • Reporting to RBI/FIU-IND (if fraud suspected)
  • Legal action for damages

Fees & Charges

No Success Fees: We charge no processing/arrangement fees for loan facilitation.

Lender Charges: Any fees (processing, prepayment, etc.) are charged directly by lenders.

Service Charges: Nominal advisory fees (if applicable) disclosed upfront.

Intellectual Property Rights

All content, logos, calculators, layouts owned by YourTrust or licensed partners.

Permitted Use: Personal, non-commercial browsing only.

Prohibited: Copying, reproducing, distributing, or creating derivative works without written permission.

Prohibited Conduct

❌ Submitting false KYC/financial documents

❌ Multiple fraudulent applications

❌ Automated scraping/data extraction

❌ Commercial use without license

❌ Interfering with platform functionality

Limitation of Liability

No Liability for Lender Actions: YourTrust not liable for lender decisions, delays, rejections, or loan terms.

Maximum Liability: Limited to fees paid by you (if any) in past 12 months.

Force Majeure: Not liable for service interruptions due to technical failures, natural disasters, regulatory changes.

Termination

We may suspend/terminate access immediately if:

  • Breach of Terms
  • Regulatory violation
  • Fraud detection
  • Court/RBI order

Governing Law & Dispute Resolution

Governing Law: Laws of India. Courts in Faridabad/Gurugram have exclusive jurisdiction.

Electronic Communications

All notices via email/SMS/WhatsApp to registered contact details.

You consent to receive transactional + promotional communications (DND opt-out respected).

Third-Party Links

Links to partner lenders are provided for convenience. We are not responsible for their content, privacy practices, or services.

Force Majeure

Not liable for failure to perform due to events beyond reasonable control.

Severability

If any provision held invalid, remaining provisions continue in full force.

Waiver

No waiver of any breach unless in writing.