TERMS AND CONDITIONS
Loanvittus.com
Operated by: Vittus Fintech Private Limited
Website: www.loanvittus.com
Last Updated: 01 July 2026
Platform Structure — Read This First
Vittus Fintech Private Limited (“Vittus Fintech”, “Company”, “we”, “us”, “our”) operates two distinct products. This document governs both and clearly separates what each one does, because they are not the same service:
| Website (loanvittus.com) | Mobile App (Loan Vittus) | |
| What it does | Loan Against Mutual Funds (LAMF) facilitation through our partner; consultation and documentation-readiness services for Personal and MSME loans; DPR/CMA tools; calculators; educational content | Detailed Project Report (DPR) generation; CMA Data generation; subsidy eligibility assessment; EMI calculator and Funding Readiness Indicator; business consultation booking; educational content |
| Does it process loans? | LAMF only as a facilitator, not a lender. We do not sanction credit or disburse funds; all credit decisions are made by our regulated lending partner. For all other loan types, the Website provides consultation and preparation services only and does not submit applications. | No. The App contains no loan application, loan facilitation, or lending feature of any kind, and does not transmit your data to any lender or NBFC. |
| Governing sections | Sections marked [WEBSITE] | Sections marked [APP] |
In case of any conflict between this Policy and any other content on the Platform, this Policy prevails.
PART A — TERMS AND CONDITIONS
A1. Acceptance of Terms
By accessing the Website or using the App, you agree to be bound by these Terms and Conditions. If you do not agree, do not use the Website or the App.
A2. Eligibility
You must be at least 18 years old, legally competent to contract under Indian law (or the law of your jurisdiction), and provide true, accurate, and complete information. We may refuse or terminate access if these conditions are not met.
A3. What the Website Offers
A3.1 The Website offers the following services:
- Loan Against Mutual Funds (LAMF) facilitation. Vittus Fintech acts as a Lending Service Provider (LSP) / Direct Selling Agent (DSA) under a signed distribution arrangement with its partner, through whose tie-ups with regulated lenders (banks/NBFCs) LAMF applications are processed. Through the Website we may collect your information and documents and present them for the LAMF application journey.
- Consultation and documentation readiness for Personal Loans and MSME/Business Loans. These are advisory and preparatory services only eligibility guidance, product education, and documentation support to help you approach a lender directly. The Website does not submit, process, or facilitate Personal Loan or MSME loan applications to any lender.
- Eligibility indicators, EMI calculators, and comparison tools (informational only).
- DPR/CMA preparation and business consultation services.
A3.2 We are a facilitator, not a lender. All credit decisions approval, rejection, interest rate, tenure, and disbursal are made solely by the regulated lender, in accordance with its own credit policy and the applicable RBI digital lending framework. Vittus Fintech does not sanction credit, does not disburse funds from its own account, and does not guarantee approval of any application. Vittus Fintech is not itself regulated by the Reserve Bank of India; the lenders processing LAMF applications are independently regulated entities.
A3.3 Our lending-partner relationship, the identity of the partner and lenders involved, and the fees (if any) we receive are disclosed on our Partner Lenders page and in our Fair Practice Code, each published on the Website.
A4. What the App Offers [APP]
A4.1 The App provides:
- Detailed Project Report (DPR) generation
- CMA Data generation
- Subsidy eligibility assessment (informational only)
- EMI Calculator and Funding-Readiness Indicator (informational only)
- Business consultation booking
- Educational content and business-idea resources
A4.2 The App is not a lending product and contains no loan-application flow. Through the App, Vittus Fintech does not: provide loans, sanction credit, underwrite applications, determine loan eligibility for any lender, set interest rates, disburse funds, connect you to any lender or NBFC, or transmit your data to any lender or NBFC for loan processing. The App has no “Apply for Loan,” loan-application, or loan-disbursal feature.
A4.3 Any calculator or indicator in the App that references EMIs, interest rates, or funding readiness produces illustrative, educational output only. It is not a loan offer, pre-approval, or eligibility determination by any bank or NBFC, and using it does not connect you to a lender.
A4.4 No funds handling in the App. The App does not collect, hold, or route loan-related funds. Any fee charged in the App is solely for the services in A4.1, invoiced directly by Vittus Fintech.
A5. Tool Outputs and Disclaimers
Outputs from the DPR Builder, CMA Data, Subsidy Assessment, EMI Calculator, and Funding-Readiness Indicator (on Website or App) are computed from information you supply and standard assumptions. We do not independently verify your inputs. These
outputs are informational and preparatory only, are not certified by any bank, NBFC, or government authority, and create no entitlement to a loan or to a subsidy under any government scheme (including PMEGP, CMEGP, Mudra, or KVIC). If used in a formal application elsewhere, you remain responsible for accuracy, and certification by a qualified professional may be required.
A6. Account and Security
You are responsible for keeping login credentials confidential and for all activity on your account. Notify us immediately of unauthorised access. OTP-based authentication is legally valid under the Information Technology Act, 2000, and rules made thereunder.
A7. Fees and Charges
A7.1 [WEBSITE] Fees for DPR/CMA/consultation services are disclosed upfront. Where our LAMF partner arrangement provides us a referral or facilitation fee for a successfully disbursed loan, that arrangement does not increase your cost and is disclosed in our Fair Practice Code. We never charge you a fee purporting to guarantee loan approval or disbursal.
A7.2 [APP] Fees for DPR Builder, CMA Data, Subsidy Assessment, or consultation booking in the App are disclosed upfront before payment, with a tax invoice issued by Vittus Fintech. This fee is only for the service delivered through the App; it does not guarantee loan approval by any lender or subsidy eligibility under any scheme, because the App does not process loans at all.
A7.3 No charge without disclosure. If anyone claiming to represent us asks you to pay outside these disclosed channels especially for “guaranteed” loan processing or disbursal do not pay, and report it to our Grievance Officer immediately.
A8. User Obligations
You agree to use the Platform only for lawful purposes; provide accurate, complete, and current information; not misuse the Platform for fraud or misrepresentation; not attempt unauthorised access, reverse-engineering, or introduce malicious code; not impersonate any person or entity; and comply with all applicable laws. Breach may result in suspension or termination and may be reported to law enforcement.
A9. Data and Consent
By using the Website or the App, you consent to the collection, processing, and sharing of personal data as described in our Privacy Policy (loanvittus.com/privacy-policy), which forms part of these Terms. Marketing communications require separate, purpose-specific consent.
A10. Intellectual Property
All content on the Platform trademarks, logos, design, software, source code, algorithms, text, and DPR/CMA templates is owned by or licensed to Vittus Fintech. You may not copy, reproduce, distribute, modify, or commercially exploit any content without our prior written consent. Documents and data you upload remain your property; you grant us a limited, non-exclusive, royalty-free licence to store and process them solely to deliver the service you requested and to comply with legal obligations, ending when the applicable retention period (Privacy Policy, Section B6) expires, subject to statutory record-keeping.
A11. Third-Party Links
The Platform may link to government portals (e.g., Udyam, PMEGP) and, on the Website only, to the LAMF application flow operated with our partner. We do not control and are not responsible for third-party content, decisions, or practices. The App contains no lending partner links.
A12. Limitation of Liability
The Platform is provided “as is,” without warranties of any kind. To the maximum extent permitted by law, neither the Company nor its directors, officers, employees, or affiliates are liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or goodwill. Our aggregate liability in any 12-month period is limited to the fees you paid us in that period, or ₹10,000, whichever is higher. Nothing here limits liability that cannot be limited under law (including fraud or gross negligence). On the Website, we are not liable for a lender’s credit decision, terms, or conduct in relation to a facilitated LAMF application that relationship is directly between you and the lender.
A13. Indemnity
You agree to indemnify the Company, its directors, officers, employees, and affiliates against claims, losses, or expenses arising from your breach of these Terms, misuse of the Platform, violation of law, or false information you provide.
A14. Suspension and Termination
We may suspend or terminate your access without prior notice if we reasonably believe you have breached these Terms, engaged in fraud, or where required by law. You may close your account anytime by writing to grievance@loanvittus.com.
A15. Changes to These Terms
We may update these Terms from time to time. Material changes will be notified on the Website/App with a revised “Last Updated” date. Continued use after an update constitutes acceptance.
A16. Governing Law and Jurisdiction
Governed by the laws of India. Subject to applicable consumer protection law, courts at Nagpur, India have exclusive jurisdiction.
Vittus Fintech Private Limited
CIN: U66190MH2026PTC465595
Registered Office: 377, Nakshatra, 2nd Floor, Block B, Gandhi Nagar, Nagpur – 440010
Email: grievance@loanvittus.com | Phone: +91 7620469659