Terms & Conditions
Last updated: June 03, 2026 | Governed by laws of India
By accessing the MoneyClick website or applying for a loan, you agree to be bound by these Terms & Conditions. Please read them carefully. If you do not agree, please do not use our services.
1. Acceptance of Terms
These Terms govern your use of the MoneyClick website (www.moneyclick.in) and all loan products offered by MoneyClick India Private Limited. By submitting a loan application, creating an account, or using any service, you confirm you have read, understood, and agreed to these Terms. These Terms may be updated periodically and continued use constitutes acceptance.
2. Eligibility
To use MoneyClick services you must: (a) be a resident Indian citizen aged 21–65 years; (b) hold a valid PAN card and Aadhaar card; (c) have a stable income (salaried or self-employed); (d) meet the minimum CIBIL score of 650; (e) provide accurate and complete information. We reserve the right to reject applications without disclosing reasons.
3. Loan Application & Approval
Submitting an application does not guarantee approval. MoneyClick evaluates each application based on creditworthiness, income, existing obligations, and internal credit policies. We may approve, reject, or modify any loan offer at our sole discretion. The final interest rate, processing fee, and loan amount will be stated in the sanction letter.
4. Interest Rates & Fees
Interest rates are expressed as annual percentage rates (APR) and determined by your credit profile, loan amount, and tenure. All processing fees are disclosed in the sanction letter before signing. Penal interest of 2% p.m. above applicable rate is charged on overdue EMIs. MoneyClick charges no hidden fees — all costs are disclosed upfront.
5. Repayment Obligations
You are obligated to repay the loan as per your repayment schedule via NACH (auto-debit) or any approved payment method. Non-payment will result in penal charges and negative credit bureau reporting. You must maintain sufficient balance in your designated account on all EMI due dates.
6. Pre-closure & Part-Payment
Pre-closure is permitted after the lock-in period specified in your loan agreement. Part-payment may be available on select products. Any applicable pre-closure charges are disclosed in the loan agreement. Initiate pre-closure by contacting our customer service team at least 7 working days in advance.
7. Data Accuracy & KYC
You warrant all information provided is true, accurate, complete, and current. Submission of false or forged documents is a criminal offence under Indian law and will result in immediate loan cancellation, recovery of disbursed funds, and legal action. You consent to MoneyClick verifying your identity and creditworthiness through credit bureaus and government databases.
8. Intellectual Property
All content on the MoneyClick website — logos, text, graphics, calculators, and software — is the exclusive property of MoneyClick India Private Limited and is protected by Indian copyright law. Unauthorised reproduction or use may result in legal action. "MoneyClick" is a registered trademark.
9. Limitation of Liability
MoneyClick's liability is limited to the loan amount applied for. We are not responsible for indirect, incidental, or consequential losses from loan decisions, interest rate changes, platform technical issues, or unauthorised account access due to your own negligence. Services are provided on an "as-is" basis.
10. Governing Law & Dispute Resolution
These Terms are governed by Indian law. Disputes shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra. Both parties agree to attempt mediation before legal proceedings. Customers may also approach the RBI Banking Ombudsman for unresolved grievances.
11. Termination
MoneyClick may suspend or terminate your account for: fraudulent activity; submission of false documents; non-payment of dues; or breach of these Terms. Outstanding balances become immediately payable upon termination for cause.
12. Contact for Legal Matters
For legal inquiries, contact our Legal Department:
MoneyClick India Pvt. Ltd. — Legal Department
📍 10th Floor, Horizon Tower, BKC, Mumbai – 400051
📞 +91 1800 123 456 (Mon–Sat, 9AM–6PM)
Still have questions about our Terms?
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