Welcome To Personal Hai.

These Terms and Conditions (“Terms”) govern your access to and use of the Personal Hai website, personalhai.com (“Website”), and the loan assistance, enquiry, eligibility, comparison, and related services provided through the Website.

By accessing, browsing, submitting information through, or using the Website, you agree to these Terms. If you do not agree with any part of these Terms, please do not use the Website or submit your information.

Please read these Terms carefully along with our Privacy Policy, Disclaimer, and other policies available on the Website.

1. About Personal Hai

Legal Entity / Brand Name: Personal Hai

Personal Hai provides loan assistance and facilitates enquiries for individuals and businesses seeking financial products from banks, NBFCs, and other eligible lending institutions.

Personal Hai may assist customers with:

• Personal Loan enquiries across India
• Business Loan enquiries in Gujarat
• Loan eligibility assistance
• Loan option comparison
• Application assistance
• Documentation guidance
• Customer support related to loan enquiries

Personal Hai is not a bank or NBFC unless expressly stated otherwise.

Personal Hai does not itself guarantee, sanction, approve, or disburse a loan unless specifically stated for a particular service.

2. Acceptance of These Terms

By using the Website, you confirm that:

• You have read and understood these Terms.
• You agree to comply with these Terms.
• The information you provide is accurate and complete.
• You are legally capable of entering into a binding agreement.
• You will use the Website only for lawful purposes.
• If you use the Website on behalf of a company, business, or other organization, you confirm that you have authority to accept these Terms on its behalf.

3. Eligibility to Use the Website

You must meet the applicable legal requirements to use our services.

Loan eligibility may vary depending on:

• Your age
• Income
• Employment or business profile
• Credit history
• Existing financial obligations
• Residence
• Business vintage
• Business turnover
• Documentation
• Lender specific criteria

Meeting the basic eligibility criteria displayed on our Website does not guarantee loan approval.

The final decision always rests with the relevant lender.

4. Nature of Our Services

Personal Hai acts as a platform for facilitating loan enquiries and providing assistance to prospective borrowers.

Depending on the applicable arrangement, we may connect you with banks, NBFCs, or other lending partners.

Our services may include:

• Collecting your loan enquiry
• Understanding your financial requirement
• Assessing basic eligibility information
• Identifying potentially suitable lenders
• Facilitating communication with lending partners
• Assisting with documentation
• Supporting the application process

We do not control the lender's final underwriting decision.

5. No Guarantee of Loan Approval

Submitting an enquiry through Personal Hai does not guarantee:

• Loan approval
• A particular loan amount
• A particular interest rate
• A specific repayment tenure
• A particular processing time
• Loan disbursement
• Approval by any particular bank or NBFC

Every lender independently evaluates applications according to its internal policies, credit assessment procedures, eligibility requirements, and applicable regulations.

6. Loan Offers and Lender Terms

Loan offers, where available, may vary based on your individual financial profile and the lending institution.

The lender may determine:

• Loan amount
• Interest rate
• Annual Percentage Rate, where applicable
• Repayment tenure
• Processing fees
• Other charges
• Security or collateral requirements
• Documentation requirements
• Approval conditions

You should carefully review the lender's terms and applicable documents before accepting any loan.

Personal Hai encourages users to understand the total cost of borrowing before proceeding.

7. Loan Comparison

Where Personal Hai displays or facilitates comparison of loan options, the information is provided to help users make informed decisions.

Loan information may include:

• Lender name
• Loan amount
• Interest rate
• Repayment tenure
• Fees
• Eligibility requirements
• Other applicable terms

Information may change based on lender policies.

Where applicable, loan offers may be presented in accordance with regulatory requirements governing digital lending and loan aggregation. RBI's 2025 digital lending framework specifically addresses the presentation of loan offers and customer choice.

You should verify the final terms directly with the relevant lender before accepting an offer.

8. Accuracy of Information

We make reasonable efforts to keep information on the Website accurate and up to date.

However, financial products, interest rates, eligibility criteria, fees, lender policies, and other information may change.

We do not guarantee that all information displayed on the Website will always be:

• Complete
• Current
• Error free
• Applicable to every customer

You should verify important financial information with the relevant lender before making a financial decision.

9. Information Submitted by You

When you use our forms or eligibility tools, you may be required to provide information such as:

• Name
• Mobile number
• Email address
• City
• Loan type
• Income
• Business turnover
• Employment information
• Business information
• Loan requirement

You agree to provide true, accurate, current, and complete information.

You must not:

• Provide false information
• Impersonate another person
• Submit information without authorization
• Misrepresent your income or business details
• Submit fraudulent documents
• Attempt to manipulate eligibility results

Providing inaccurate information may affect your loan application and may have legal consequences.

Your personal information will be handled in accordance with our Privacy Policy.

10. Consent to Contact

When you submit an enquiry, you may authorize Personal Hai and relevant lending partners to contact you regarding your loan requirement.

Communication may take place through:

• Phone calls
• SMS
• Email
• WhatsApp
• Other permitted communication channels

Such communication may relate to your enquiry, eligibility, loan options, documentation, application status, or related services.

You may withdraw consent for communications where applicable, subject to legal and operational requirements.

11. Third Party Lenders

Personal Hai may connect you with third party banks, NBFCs, or other lending institutions.

These entities operate independently from Personal Hai.

Their own:

• Terms and conditions
• Privacy policies
• Eligibility requirements
• Interest rates
• Fees
• Application procedures
• Approval policies

will apply when you interact with them.

We recommend that you carefully read the relevant lender's documentation before proceeding.

12. Third Party Websites

The Website may contain links or references to third party websites.

These websites are not controlled by Personal Hai.

We are not responsible for:

• Their content
• Privacy practices
• Security
• Availability
• Products
• Services
• Terms and conditions

Your interaction with third party websites is governed by their respective terms and policies.

13. Fees and Charges

Personal Hai may provide loan enquiry and assistance services without charging a customer consultation fee, where applicable.

However, lenders may charge fees associated with a loan, including applicable:

• Processing fees
• Documentation charges
• Verification charges
• Prepayment charges
• Late payment charges
• Other applicable lender charges

Any applicable lender charges are determined by the relevant lender.

You should review the lender's applicable terms before accepting a loan.

Personal Hai does not guarantee that a loan will be available without fees or charges.

14. EMI Calculations

The EMI calculator available on the Website is intended for estimation and planning purposes.

The calculated EMI may differ from the actual EMI offered by a lender due to differences in:

• Interest rate
• Loan amount
• Tenure
• Fees
• Repayment structure
• Lender policies
• Other applicable charges

The actual repayment schedule provided by the lender will prevail.

15. Eligibility Checker

The eligibility checker provides an indicative assessment based on the information you submit.

It does not constitute:

• Loan approval
• Credit approval
• Financial advice
• A binding offer
• A guarantee of eligibility

Final eligibility is determined by the relevant lender after completing its own assessment.

16. Responsible Borrowing

Loans create financial obligations.

Before accepting a loan, you should consider:

• Your income
• Existing debt
• Monthly repayment capacity
• Interest cost
• Total repayment amount
• Processing fees
• Other applicable charges
• Your long term financial commitments

Do not borrow more than you can reasonably repay.

Personal Hai does not provide personalized investment, tax, legal, or financial advice unless expressly stated.

17. Prohibited Activities

You must not use the Website to:

• Commit fraud
• Provide false information
• Upload fraudulent documents
• Attempt unauthorized access
• Interfere with Website security
• Introduce malicious software
• Scrape or copy Website content without authorization
• Misuse our forms or systems
• Impersonate Personal Hai or its representatives
• Use the Website for unlawful activities
• Violate any applicable law or regulation

We may restrict or terminate access where we reasonably believe that a user has violated these Terms.

18. Intellectual Property

Unless otherwise stated, all Website content belongs to or is licensed to Personal Hai.

This includes:

• Text
• Logos
• Branding
• Graphics
• Images
• Icons
• Website design
• Layout
• Videos
• Software
• Other digital content

You may access the Website for personal and lawful purposes.

You may not reproduce, modify, distribute, publish, sell, or commercially exploit Website content without our prior written permission.

19. Website Availability

We aim to keep the Website available and functional.

However, we do not guarantee uninterrupted access.

The Website may occasionally become unavailable because of:

• Maintenance
• Technical problems
• Network failures
• Security incidents
• Third party service interruptions
• Events beyond our reasonable control

We may modify, suspend, or discontinue any Website feature without prior notice where reasonably necessary.

20. Security

We take reasonable steps to protect our Website and user information.

However, no online system can guarantee complete security.

You are responsible for protecting your own devices, login information, passwords, and other credentials.

Personal Hai will not be responsible for losses caused by your failure to maintain reasonable security over your own devices or credentials.

21. Privacy

Your use of the Website is also governed by our Privacy Policy.

Our Privacy Policy explains:

• What information we collect
• Why we collect it
• How we use it
• When we share it
• How we protect it
• Your applicable privacy rights
• How you can raise privacy concerns

Please read the Privacy Policy before submitting personal information.

India's Digital Personal Data Protection framework governs the processing of digital personal data within its applicable scope.

22. Fraud Prevention

Personal Hai does not guarantee loan approval and does not authorize anyone to demand confidential banking credentials from you.

Never share:

• OTP
• ATM PIN
• CVV
• Internet banking password
• UPI PIN
• Debit or credit card password
• Other confidential banking credentials

with anyone claiming to represent Personal Hai.

If you receive suspicious communication claiming to be from Personal Hai, contact us through the details published on our Website.

23. Limitation of Liability

To the maximum extent permitted by applicable law, Personal Hai will not be liable for losses arising from:

• A lender rejecting your application
• Changes in lender eligibility criteria
• Changes in interest rates
• Delays caused by lenders or third parties
• Loan disbursement delays
• Incorrect information supplied by you
• Your financial decisions
• Third party website or service failures
• Events beyond our reasonable control

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

24. No Waiver of Consumer Rights

Nothing in these Terms is intended to restrict or exclude any statutory rights or remedies available to consumers under applicable Indian law.

The Consumer Protection Act, 2019 and applicable consumer protection rules may apply to relevant consumer transactions and services.

Where any provision of these Terms conflicts with a mandatory legal requirement, the mandatory legal requirement will prevail.

25. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Personal Hai, its directors, employees, representatives, and service providers from claims, losses, liabilities, damages, or expenses arising from:

• Your breach of these Terms
• Your misuse of the Website
• Fraudulent or inaccurate information submitted by you
• Your violation of applicable law
• Your violation of third party rights
• Unauthorized use of your account or access credentials caused by your actions or negligence

This provision will apply only to the extent permitted by applicable law.

26. Changes to These Terms

We may update these Terms from time to time.

Changes may be made because of:

• Changes in our services
• Changes in technology
• Changes in business practices
• Changes in applicable laws
• Regulatory requirements

The updated Terms will be published on this page with a revised Last Updated date.

Your continued use of the Website after an update constitutes acceptance of the revised Terms to the extent permitted by law.

27. Termination or Suspension

We may suspend or restrict your access to the Website if:

• You breach these Terms
• You engage in fraudulent activity
• You misuse the Website
• Your activities create a security risk
• We are required to do so by law
• Suspension is reasonably necessary to protect our users or systems

Termination will not affect rights or obligations that arose before termination.

28. Governing Law

These Terms are governed by the laws of India.

Subject to applicable law, disputes relating to these Terms or your use of the Website shall be subject to the jurisdiction of the courts having jurisdiction over Ahmedabad, Gujarat.

Nothing in this clause prevents a consumer from exercising any mandatory statutory right to approach a competent consumer forum or other authority available under applicable law.

29. Grievance Redressal

If you have a complaint or concern regarding the Website or our services, please contact us.

Grievance Contact

We will review your grievance and respond in accordance with applicable law and our internal grievance process.

If your complaint concerns a particular bank or NBFC, you may also need to approach that lender's grievance redressal mechanism.

Where applicable, complaints concerning an RBI regulated entity are handled under the relevant regulatory grievance framework. RBI continues to emphasize consumer protection and grievance redressal for regulated financial entities.

30. Contact Us

For questions about these Terms, please contact: