Terms & Conditions

Last Updated: 17 August 2026

Welcome to 49SecondLoans.

These Terms & Conditions (“Terms”, “Terms and Conditions”, or “Agreement”) govern your access to and use of the website 49secondloans.com (“Website”) and any services, loan assistance, enquiry facilities, or related services provided through the Website.

By accessing, browsing, or submitting an enquiry through the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, please do not use the Website.

1. About 49SecondLoans

49SecondLoans is a loan facilitation and financial-services assistance platform that helps users explore and connect with potentially suitable loan products offered by banks, NBFCs, financial institutions, lenders, and other financial partners.

49SecondLoans is not a bank, NBFC, or lender and does not itself sanction, approve, or disburse loans unless expressly stated otherwise.

Any loan offered to you will be subject to the independent assessment, eligibility criteria, policies, and terms of the respective lender.

2. Eligibility

By using this Website, you represent that:

You are legally competent to enter into a binding agreement.
The information provided by you is true, accurate, and complete.
You are using the Website for a lawful purpose.
You will not use the Website for fraudulent, illegal, or unauthorized activities.

If you are using the Website on behalf of another individual or organization, you confirm that you have the necessary authority to do so.

3. Loan Enquiry Services

When you submit a loan enquiry through our Website, we may collect information such as your name, mobile number, email address, city, employment information, income information, loan requirement, and other information relevant to your enquiry.

We may use this information to:

Understand your loan requirements
Assess potential loan options
Contact you regarding your enquiry
Connect you with relevant financial institutions or lending partners
Facilitate communication between you and potential lenders
Provide information about available financial products and services

Submission of an enquiry does not constitute a loan application with 49SecondLoans unless expressly stated.

4. No Guarantee of Loan Approval

49SecondLoans does not guarantee:

Loan approval
Loan disbursement
A particular loan amount
A particular interest rate
A particular tenure
A particular processing fee
Any specific loan product
Approval within a particular period

Loan approval and lending terms are determined solely by the relevant lender based on its own eligibility criteria, credit assessment, documentation, policies, and applicable laws.

5. Lender’s Terms and Conditions

If you are connected with a bank, NBFC, financial institution, or other lender, the lender may require additional information and documentation.

The lender may independently assess factors including:

Credit history
Credit score
Income
Employment or business status
Existing financial obligations
Repayment capacity
KYC information
Documentation
Internal lending policies

Any loan agreement entered into after your enquiry will be between you and the relevant lender.

You should carefully read the lender’s loan agreement, Key Facts Statement (KFS), applicable charges, interest rate/APR, repayment schedule, and other applicable documents before accepting a loan offer.

6. Accuracy of Information

You agree to provide accurate, complete, and current information when submitting an enquiry.

You must not:

Provide false information
Provide another person’s information without authorization
Misrepresent your income or employment
Submit fraudulent documents
Impersonate another individual
Use the Website for unlawful purposes

You are responsible for any consequences resulting from inaccurate, incomplete, misleading, or fraudulent information provided by you.

7. Consent to Communication

By submitting your contact information through the Website, you authorize 49SecondLoans and, where applicable, relevant financial partners to contact you regarding your enquiry.

Communication may take place through:

Telephone calls
SMS
Email
WhatsApp
Other electronic communication channels

Such communication may relate to your loan enquiry, application assistance, status updates, documentation requirements, or relevant financial products.

Where applicable, promotional communications will be subject to the consent and requirements prescribed by applicable law.

8. Information Sharing

To provide loan facilitation services, information submitted by you may be shared with appropriate banks, NBFCs, financial institutions, lenders, service providers, or other authorized partners.

Such sharing will be handled in accordance with our Privacy Policy and applicable laws.

The respective lender may have its own privacy policy and terms governing the processing of your information after receiving your enquiry.

9. No Financial Advice

Information provided through 49SecondLoans is intended for general informational and facilitation purposes.

Nothing on the Website should be considered:

Financial advice
Investment advice
Legal advice
Tax advice
Guaranteed loan approval
A recommendation to enter into a specific financial transaction

You should independently evaluate any financial product and review the terms provided by the relevant lender before making a decision.

10. Interest Rates, Fees and Charges

Interest rates, processing fees, documentation charges, penalties, foreclosure charges, insurance charges, and other applicable costs may vary depending on the lender and the loan product.

49SecondLoans does not independently determine the lending terms of third-party lenders.

Any applicable charges should be verified directly with the relevant lender before accepting a loan.

Where applicable, the lender should provide the required loan disclosures and documentation before the loan is accepted.

RBI guidance requires regulated lenders involved in digital lending to provide appropriate disclosures, including the all-inclusive cost of credit through the applicable Key Facts Statement and APR framework.

11. Third-Party Lenders and Services

The Website may contain links, references, forms, or connections to third-party lenders and financial institutions.

Once you interact directly with a third-party lender, that lender’s own terms, privacy policy, eligibility criteria, and agreements may apply.

49SecondLoans does not control and is not responsible for:

Third-party lender decisions
Third-party websites
Third-party privacy practices
Changes in lender policies
Loan approval decisions
Loan disbursement
Interest rates offered by third parties
Third-party customer service
Third-party contractual terms

You should review the applicable third-party terms before proceeding.

12. Website Availability

We attempt to keep the Website available and functional; however, we do not guarantee that the Website will always be:

Available
Uninterrupted
Error-free
Secure
Free from viruses or other harmful components

The Website may occasionally be unavailable due to maintenance, technical problems, hosting issues, network failures, security incidents, or circumstances beyond our reasonable control.

13. Website Content

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

However, information regarding loan products, eligibility, interest rates, fees, offers, or financial partners may change without prior notice.

You should verify current terms directly with the relevant lender before making a financial decision.

14. Intellectual Property

Unless otherwise stated, the content available on the Website, including:

Logo
Brand name
Text
Graphics
Images
Website design
Layout
Software
Videos
Icons
Other website materials

is owned by or licensed to 49SecondLoans and may be protected by applicable intellectual-property laws.

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

15. Prohibited Activities

You agree not to:

Use the Website for unlawful purposes
Attempt to gain unauthorized access to the Website or its systems
Introduce malicious software or code
Scrape or automatically collect Website data without authorization
Submit false or fraudulent information
Impersonate another person
Interfere with Website functionality
Attempt to bypass Website security
Use the Website to commit fraud
Misuse another person’s personal information
Engage in activities that may damage the Website or its reputation

We reserve the right to restrict or terminate access where misuse is suspected.

16. Third-Party Links

The Website may contain links to third-party websites.

Such links are provided for convenience and do not necessarily constitute an endorsement or recommendation by 49SecondLoans.

We are not responsible for the content, availability, security, privacy practices, or terms of third-party websites.

You access third-party websites at your own risk.

17. Limitation of Liability

To the maximum extent permitted by applicable law, 49SecondLoans shall not be responsible for losses arising from:

Rejection of a loan application
Delay in loan processing
Non-disbursement of a loan
Changes in interest rates
Changes in lender policies
Third-party actions
Inaccurate information provided by the user
Technical interruptions
Website downtime
Unauthorized access caused by circumstances beyond our reasonable control
Decisions made by lenders or financial institutions

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

18. Indemnification

You agree to indemnify and hold harmless 49SecondLoans, its owners, employees, representatives, service providers, and partners from claims, losses, liabilities, damages, costs, or expenses arising from:

Your misuse of the Website
Your violation of these Terms
Your violation of applicable laws
False or misleading information provided by you
Unauthorized use of another person’s information
Fraudulent activities
Your violation of third-party rights

19. Privacy

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

Our Privacy Policy explains how we collect, use, process, share, and protect personal information.

By using the Website, you acknowledge that you have read and understood our Privacy Policy.

20. Electronic Communications

When you interact with the Website or communicate with us electronically, you consent to receiving electronic communications where permitted by applicable law.

Such communications may include emails, SMS messages, notifications, and other electronic correspondence relating to your enquiry or use of our services.

21. Termination

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

You violate these Terms
You provide false or fraudulent information
You misuse the Website
Your activity creates a security risk
Required by law
We discontinue or substantially modify the Website

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

22. Changes to These Terms

We may update these Terms from time to time.

Changes may be made due to:

Changes in our services
Changes in technology
Changes in applicable laws
Changes in regulatory requirements
Changes in business practices

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

Your continued use of the Website after the updated Terms are published constitutes acceptance of the revised Terms, to the extent permitted by law.

23. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India.

Any dispute relating to the use of the Website or these Terms shall be subject to the applicable jurisdiction of the competent courts in India, subject to applicable law.

24. Grievance and Complaints

If you have any complaint, concern, or issue regarding our Website or services, you may contact us using the details below.

We will make reasonable efforts to review and respond to complaints within the applicable time period.

49SecondLoans

Email: info@49secondloans.com
Phone: +91 12345 67890
Website: 49secondloans.com

Please replace the phone number above with your actual business/customer-support number before publishing.

25. Contact Us

For questions regarding these Terms & Conditions, please contact: