The information provided on personalhai.com (“Website”) is intended for general informational and loan assistance purposes. By using this Website, you acknowledge and agree to the terms of this Disclaimer.

Personal Hai aims to provide accurate, useful, and up to date information. However, financial products, interest rates, eligibility criteria, fees, lender policies, and other terms can change. You should verify the final terms with the relevant bank, NBFC, or financial institution before making a financial decision.

1. Personal Hai Is Not a Bank or NBFC

Personal Hai is a loan assistance and facilitation platform.

Unless specifically stated otherwise, Personal Hai is not a bank, NBFC, or lending institution and does not itself provide, approve, sanction, or disburse loans.

Personal Hai may assist customers in identifying suitable loan options and facilitate connections with banks, NBFCs, and other lending partners.

The final decision to approve or reject a loan rests solely with the relevant lender.

2. No Guarantee of Loan Approval

Submitting an enquiry, using our eligibility checker, or applying through Personal Hai does not guarantee loan approval.

We do not guarantee:

• Loan approval
• A specific loan amount
• A particular interest rate
• A specific repayment tenure
• A specific processing time
• Loan disbursement
• Approval from any particular lender

Each lender independently evaluates an applicant based on its eligibility criteria, credit assessment, internal policies, documentation, and applicable regulations.

3. Loan Eligibility Information

Information published on the Website about loan eligibility is provided for general guidance.

Eligibility may depend on factors such as:

• Age
• Income
• Employment type
• Credit history
• Credit score
• Existing financial obligations
• Business turnover
• Business vintage
• Financial statements
• Location
• Documentation
• Lender specific requirements

Meeting the eligibility criteria described on the Website does not mean that you will qualify for a loan.

The relevant lender will conduct its own assessment before making a lending decision.

4. Loan Offers and Interest Rates

Interest rates, loan amounts, repayment tenures, processing fees, and other loan terms displayed on the Website may be indicative and may vary based on the lender and the customer's profile.

The actual terms offered to you may differ from information displayed on the Website.

Factors that may affect the final offer include your:

• Credit profile
• Income
• Repayment capacity
• Employment or business profile
• Existing liabilities
• Loan amount
• Loan tenure
• Documents
• Lender's internal policies

Always review the final sanction letter, loan agreement, Key Fact Statement, or other applicable documents provided by the lender before accepting a loan.

Where applicable, RBI's digital lending framework requires regulated entities and relevant lending arrangements to provide borrowers with information concerning the cost and terms of a loan, including applicable APR and other associated terms.

5. No Financial, Legal, Tax, or Investment Advice

The content published on Personal Hai is for general information and loan assistance purposes.

Nothing on this Website should be interpreted as:

• Personalized financial advice
• Investment advice
• Legal advice
• Tax advice
• Accounting advice
• A recommendation to borrow a particular amount
• A guarantee of financial benefit

Before taking a loan or making a significant financial decision, you should consider your individual financial circumstances and obtain professional advice where appropriate.

6. EMI Calculator Disclaimer

The EMI Calculator provided on the Website is an estimation tool.

The results are intended for general planning purposes and may differ from the actual repayment amount quoted by a lender.

Actual EMI and total repayment may vary due to:

• Final interest rate
• Loan amount
• Loan tenure
• Processing fees
• Insurance or other applicable charges
• Repayment structure
• Lender specific calculations

The repayment schedule and loan terms provided by the relevant lender will prevail.

7. Eligibility Checker Disclaimer

The Personal Hai eligibility checker provides an indicative assessment based on the information entered by the user.

The result does not constitute:

• Loan approval
• A credit decision
• A binding offer
• A guarantee of eligibility
• A guarantee of loan disbursement

The relevant bank or NBFC will conduct its own verification and underwriting before making a final decision.

8. Accuracy of Website Information

We make reasonable efforts to keep Website information accurate and current.

However, we do not guarantee that all information is:

• Complete
• Accurate
• Current
• Error free
• Applicable to every borrower

Loan products and lender criteria may change without notice.

Where you are considering a financial product, you should verify important information directly with the relevant lender.

Consumer protection rules prohibit misleading representations regarding services and require online commercial information to accurately reflect the services being offered.

9. Third Party Banks and NBFCs

Personal Hai may connect users with third party banks, NBFCs, or other financial institutions.

These institutions operate independently.

Their own terms, privacy policies, eligibility criteria, fees, interest rates, credit assessment procedures, and loan agreements apply to their services.

Personal Hai does not control the internal policies or decisions of third party lenders.

You should read the relevant lender's documents carefully before accepting any offer.

10. Third Party Links

The Website may contain links to third party websites, applications, lender portals, or other online services.

These links may be provided for convenience or to facilitate access to relevant services.

Personal Hai does not control or guarantee the accuracy, availability, security, privacy practices, or content of third party websites.

Your interaction with a third party is governed by that party's applicable terms and privacy policy.

11. Partner Banks and NBFCs

Personal Hai may work with a network of banks, NBFCs, and other lending partners.

The presence of a lender's name or logo on our Website does not necessarily mean that the lender will approve every application or offer every loan product to every customer.

Lender relationships and available products may change from time to time.

Where applicable, information about lending partners and loan offers will be presented in accordance with applicable regulatory requirements.

RBI's digital lending framework includes requirements concerning transparent presentation of available loan offers and prohibits interfaces from using dark patterns to steer borrowers toward unsuitable options.

12. Loan Application and Disbursement

Personal Hai may assist with the loan application process.

However, loan sanction, documentation approval, execution of the loan agreement, and disbursement are handled by the relevant lender according to its procedures.

Unless expressly stated otherwise, loan funds are not disbursed by Personal Hai.

For regulated digital lending arrangements, RBI requires loan disbursal and repayment flows to follow prescribed mechanisms involving the regulated entity.

13. Charges and Fees

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

However, the relevant lender may charge fees associated with a loan.

Such charges may include:

• Processing fees
• Documentation charges
• Verification charges
• Prepayment or foreclosure charges
• Late payment charges
• Other applicable charges

The lender determines these charges.

You should review the lender's applicable fee schedule and loan documents before accepting a loan.

No information on this Website should be interpreted as a promise that a loan will have zero fees or charges.

14. User Provided Information

Users are responsible for providing accurate and complete information.

You should not submit:

• False information
• Misleading information
• Fraudulent documents
• Another person's information without authorization
• Incorrect income or business details

Personal Hai is not responsible for consequences arising from inaccurate or misleading information submitted by a user.

Our collection and use of personal information is governed by our Privacy Policy.

15. Credit Score and Credit Information

A user's credit score or credit history may form part of a lender's assessment.

Personal Hai does not guarantee that a particular credit score will result in loan approval, a specific interest rate, or any particular loan amount.

Where a credit bureau enquiry or credit information is required, the relevant lender or authorized entity will process such information in accordance with applicable law and its own policies.

16. No Guarantee of Savings or Best Offer

References on the Website to “competitive rates,” “suitable options,” “multiple offers,” or similar descriptions are intended to describe the nature of the service and should not be interpreted as a guarantee that a user will receive:

• The lowest interest rate in the market
• The highest loan amount
• The fastest approval
• The lowest fees
• The best offer available from every lender

The suitability of a loan depends on the user's individual circumstances and lender criteria.

17. Responsible Borrowing

Borrowing money creates a financial obligation.

Before accepting a loan, you should carefully consider:

• Whether you can afford the EMI
• Total interest payable
• Total repayment amount
• Processing and other charges
• Existing financial commitments
• Repayment tenure
• Consequences of late or missed payments

You should borrow only an amount that you can reasonably repay.

18. Fraud and Misrepresentation Warning

Personal Hai does not authorize anyone to request your confidential banking credentials for the purpose of processing a loan enquiry.

You should never share your:

• OTP
• UPI PIN
• ATM PIN
• CVV
• Internet banking password
• Card password
• Other confidential banking credentials

with any unauthorized person.

If someone claims to represent Personal Hai and requests sensitive banking credentials or asks you to make an unauthorized payment, contact us immediately using the details below.

19. Testimonials and Customer Experiences

Testimonials, reviews, case studies, or customer experiences displayed on the Website represent the experiences of the respective individuals.

Individual results may vary.

Past customer experiences should not be interpreted as a guarantee that another customer will receive the same outcome.

20. Changes to Products and Services

Personal Hai may change, suspend, or discontinue any service, lender relationship, Website feature, or content at any time.

We may also update this Disclaimer when our business practices, products, technology, or applicable legal and regulatory requirements change.

The revised version will be published on this page with an updated date.

21. Limitation of Responsibility

To the extent permitted by applicable law, Personal Hai shall not be responsible for losses arising from:

• Rejection of a loan application
• Changes in lender policies
• Changes in interest rates
• Changes in eligibility criteria
• Delays caused by lenders or third parties
• Failure of third party services
• Errors in user submitted information
• Differences between indicative calculations and actual lender terms
• Decisions made by users based on general information available on the Website

Nothing in this Disclaimer is intended to exclude or restrict any liability or consumer right that cannot lawfully be excluded or restricted.

22. Regulatory and Consumer Protection Compliance

Personal Hai aims to conduct its Website and customer interactions in accordance with applicable Indian laws and regulations.

Depending on the exact nature of Personal Hai's relationships with regulated lenders, additional regulatory requirements may apply.

RBI's digital lending framework places specific obligations on regulated entities and, where applicable, their Lending Service Providers regarding customer protection, data handling, loan disclosures, and digital lending processes.

The Consumer Protection Act, 2019 and related rules also provide a framework for consumer protection in India, including protections against misleading representations.

23. Governing Law

This Disclaimer shall be governed by the laws of India.

Subject to applicable law, disputes relating to this Disclaimer or the Website shall be subject to the jurisdiction of the competent courts in Ahmedabad, Gujarat.

Nothing in this clause prevents a consumer from exercising any mandatory statutory right available under applicable law.

24. Contact Us