1. Nature of the Platform. LoanVittus is a digital platform operated by Vittus Fintech Private Limited (the “Company”) as a Lending Service Provider (LSP) and Digital Lending App (DLA) under the Reserve Bank of India (Digital Lending) Directions, 2025. The Company facilitates access to loan products offered by partner Regulated Entities (“REs”) banks, NBFCs, and other RBI-licensed lenders. A current list of partner REs is maintained at [/partner-lenders] and kept up to date as these arrangements evolve; where a specific loan offer is presented, the applicable RE is identified at the point of offer. 

2. We are not a lender. The Company does not lend, underwrite, or make credit decisions. All loan sanctions, interest rates, fees, terms, eligibility criteria, and disbursal decisions are determined solely by the respective RE based on its own credit policy, documentation, and verification. 

3. Not regulated by the RBI. Vittus Fintech Private Limited is not regulated by the Reserve Bank of India. Nothing on the Platform – including its design, content, or communication constitutes RBI endorsement, approval, or certification. Our partner REs are independently regulated by the RBI. 

4. No guarantee of loan approval. Use of the Platform does not guarantee loan approval or any specific loan amount, interest rate, or tenor. Eligibility, approval, and terms remain subject to each RE’s internal policy, risk assessment, and verification. 

5. Information is not advice. Content on the Platform including blogs, FAQs, business ideas, and calculators (EMI, Eligibility, Subsidy Assessment) is for general informational purposes only. It does not constitute financial, investment, tax, legal, accounting, or professional advice. Calculator outputs are estimates based on user inputs and do not bind any RE or authority. Users should consult qualified professionals before making any financial decision. 

6. Tools – DPR Builder, CMA Builder, Subsidy Assessment, Business Consultation. Reports and outputs generated by these tools are computed from user-supplied inputs and standard assumptions. The Company does not independently verify user inputs. No representation is made regarding the eligibility of any project for any loan, any subsidy scheme (including PMEGP, CMEGP, Mudra, KVIC, or similar), or regarding business viability. For subsidy schemes specifically, actual disbursement is contingent on sanction of the underlying loan by the designated bank or NBFC, approval by the implementing agency (such as KVIC for PMEGP or the DIC / State Nodal Agency for CMEGP), completion of any mandatory Entrepreneurship Development Programme (EDP), and availability of subsidy funds from the relevant government authority. Our Subsidy Assessment output is preparatory and indicative only. Final eligibility rests with the relevant lender, government authority, or implementing agency. 

7. No investment advice – Vittus Wealth is separate. Vittus Wealth Private Limited (a SEBI-Registered Investment Adviser) is a separate legal entity. Nothing on LoanVittus or in any communication from Vittus Fintech Private Limited constitutes investment advice, stock recommendation, or solicitation. Users seeking investment advice must approach Vittus Wealth or another SEBI-registered adviser separately.

8. Accuracy of information. While the Company takes reasonable care to keep information accurate and current, much of it is drawn from partner REs and publicly available sources. The Company makes no representation or warranty, express or implied, as to the accuracy, completeness, reliability, suitability, timeliness, or availability of the Platform, its content, or its services. 

9. Direct disbursal – no funds pass through us. All loan disbursals flow directly from the RE’s bank account to the borrower’s verified bank account. All repayments flow directly from the borrower to the RE. Vittus Fintech does not collect, hold, pool, or route borrower funds. If any person, purporting to act on the Company’s behalf, requests payment, account number, OTP, or card data from you, do not comply report the incident to our Grievance Officer immediately. 

10. Accuracy of information. While the Company takes reasonable care to keep information accurate and current, much of it is drawn from partner REs and publicly available sources. The Company makes no representation or warranty, express or implied, as to the accuracy, completeness, reliability, suitability, timeliness, or availability of the Platform, its content, or its services. 

11. Direct disbursal – no funds pass through us. All loan disbursals flow directly from the RE’s bank account to the borrower’s verified bank account. All repayments flow directly from the borrower to the RE. Vittus Fintech does not collect, hold, pool, or route borrower funds. If any person, purporting to act on the Company’s behalf, requests payment, account number, OTP, or card data from you, do not comply report the incident to our Grievance Officer immediately. 

12. Third-party links and content. The Platform may link to websites, products, services, or documents of partner REs, government portals, and other third parties. The Company does not control, endorse, or assume responsibility for their content, terms, or practices. Use of such third-party resources is at the user’s own risk and governed by the respective third party’s terms. 

13. User responsibility. Users must review all loan terms – including APR, fees, repayment obligations, penal charges, and cooling-off terms – as disclosed in the Key Fact Statement (KFS) issued by the RE, before accepting any loan offer. Financial decisions are made at the user’s own discretion and risk. 

14. Limitation of liability. To the maximum extent permitted by applicable law, the Company, its directors, officers, employees, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive loss or damage arising from use of the Platform or reliance on its content. Please refer to our Terms & Conditions for the full limitation of liability clause. 

15. Intellectual property. All content, design, logos (including the Vittus mark), text, graphics, software, algorithms, and other materials on the Platform are owned by or licensed to Vittus Fintech Private Limited. Unauthorised use, reproduction, or distribution is prohibited. 

16. Modifications. The Company may modify, update, or discontinue any part of the Platform or its content at any time without prior notice. Material changes to this Disclaimer will be notified on this page with an updated “Last updated” date. 

17. Governing law and jurisdiction. This Disclaimer is governed by the laws of India. Subject to applicable consumer protection law, the courts at Nagpur, India shall have exclusive jurisdiction over any dispute arising out of or in connection with the use of the Platform. 

18. Acceptance. By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to this Disclaimer, our Terms & Conditions, Privacy Policy, Fair Practice Code, Grievance Redressal Policy, and Cancellation Policy.