Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the Hello Cash website, applications, forms, features, and related digital services (collectively, the "Platform").

By accessing the Platform, submitting an enquiry or application, or otherwise using our services, you acknowledge that you have read and agree to these Terms and our Privacy Policy.

If you do not agree with these Terms, you should not use the Platform.

2. About Hello Cash

Hello Cash provides a digital interface through which users may obtain information about personal finance products, submit enquiries, check preliminary eligibility, and complete applications for services that may be offered by applicable lending partners.

The precise role of Hello Cash, a lender, or another service provider depends on the product and arrangement applicable to your application.

Where a loan is provided by a third-party lending partner, the lender's own terms, loan agreement, key fact statement, repayment schedule, privacy notice, and other disclosures may apply in addition to these Terms.

3. Eligibility to Use the Platform

You may use the Platform only if you are legally competent to enter into a binding contract under applicable law.

Financial products may also be subject to additional eligibility requirements, which can include:

• Age requirements
• Citizenship or residency requirements
• Employment or income requirements
• Identity and KYC verification
• Credit and risk assessment
• Bank-account requirements
• Lender-specific eligibility criteria

Meeting basic eligibility requirements does not guarantee that a loan or other financial product will be approved.

4. Applications and Information Provided by You

When using the Platform, you agree to provide information that is accurate, current, complete, and not misleading.

You must not impersonate another person, provide false documents, conceal material information, or submit information that you are not authorized to provide.

You are responsible for reviewing information before submitting an application. Incorrect or incomplete information may result in delays, rejection, cancellation, or other action permitted under applicable requirements.

5. Loan Approval

Submission of an application, completion of an eligibility check, or receipt of a preliminary indication does not constitute guaranteed loan approval.

Final approval may depend on identity verification, documentation, income, credit assessment, fraud checks, underwriting criteria, lender policies, and other applicable requirements.

A lender may approve or decline an application in accordance with its applicable policies and legal obligations.

6. Loan Amount, Interest, Fees and Charges

Loan amounts, interest rates, annual percentage rates, processing fees, penalties, taxes, and other charges may vary depending on the lender, product, applicant profile, and applicable regulations.

Any calculator, example, estimate, advertised range, or illustration displayed on the Platform is provided for general informational purposes unless expressly stated otherwise.

Before accepting a loan, you should carefully review the final loan agreement, Key Fact Statement or equivalent disclosure, repayment schedule, interest rate, fees, charges, and other applicable conditions supplied for the particular product.

7. Disbursement

Any stated processing or disbursement time is subject to successful completion of the applicable verification, underwriting, documentation, banking, and approval processes.

Actual timing may vary. References on the Platform to "instant", "quick", or similar processing describe the digital application experience and should not be interpreted as a guarantee of approval or disbursement within a specific time.

8. Repayment Obligations

If you accept a loan, you are responsible for making all repayments in accordance with the loan agreement and repayment schedule provided by the applicable lender.

Depending on the relevant agreement, delayed or missed payments may result in:

• Late-payment or other applicable charges
• Additional interest where lawfully applicable
• Collection or recovery action
• Reporting to authorized credit information companies where permitted or required
• Other consequences described in your loan agreement

You should contact the applicable lender or support team if you experience difficulty making a scheduled payment.

9. Prepayment and Foreclosure

The availability of part-payment, prepayment, or foreclosure and any related fees or conditions depends on the terms of the specific loan product and applicable regulations.

Please refer to your loan agreement and applicable disclosures before making an early repayment.

10. User Accounts and Security

Some Platform features may require an account, registered mobile number, OTP, password, or other authentication mechanism.

You are responsible for:

1. Keeping your login information confidential.
2. Not sharing passwords or OTPs with another person.
3. Maintaining reasonable security over your mobile device and email account.
4. Promptly notifying us if you become aware of unauthorized access or suspicious activity.

Hello Cash will never require you to disclose an OTP or password through an unauthorized individual.

11. Fraud Prevention

Users should remain alert to fraudulent communications. Do not make payments to personal bank accounts, personal UPI IDs, QR codes, or individuals claiming to represent Hello Cash unless the payment method has been officially authorized and verified.

If you receive a suspicious call, message, payment request, or website link claiming to represent Hello Cash, please contact us using the official contact information published on our Platform.

12. Communications and Consent

When you submit your contact information or an application, you may receive communications concerning your enquiry, application, account, security, servicing, or other requested services through channels such as telephone, SMS, email, or WhatsApp, subject to applicable law and consent requirements.

Optional marketing communications may be governed by additional consent and opt-out requirements.

13. Privacy and Personal Information

Information submitted through the Platform is handled in accordance with our Privacy Policy, applicable law, and relevant contractual or regulatory requirements.

You should review the Privacy Policy before submitting personal or financial information.

14. Acceptable Use

You agree not to misuse the Platform. You must not:

• Use the Platform for unlawful or fraudulent purposes
• Submit false or misleading information
• Attempt to gain unauthorized access to systems, accounts, or information
• Introduce malware, malicious code, automated attacks, or harmful technology
• Interfere with or disrupt Platform availability or security
• Scrape, copy, reproduce, or commercially exploit Platform content without authorization
• Use another person's identity or information without lawful authorization

15. Intellectual Property

Unless otherwise indicated, the Platform's software, design, layout, graphics, trademarks, logos, and original content are owned by or licensed to the relevant Hello Cash entity and are protected by applicable intellectual property laws.

You may use the Platform for lawful personal purposes. No right, title, or interest in Platform intellectual property is transferred to you merely because you access or use the Platform.

16. Third-Party Services and Links

The Platform may contain links to or integrations with lenders, payment systems, verification services, or other independent third parties.

Third-party services may be subject to separate terms and privacy policies. Hello Cash is not responsible for the content or practices of independent third parties except to the extent responsibility cannot lawfully be excluded.

17. Platform Availability

We aim to maintain reliable access to the Platform but do not guarantee uninterrupted or error-free availability.

Access may occasionally be limited due to maintenance, technical issues, security requirements, network disruption, third-party dependencies, or circumstances beyond reasonable control.

18. Disclaimer

General information and tools provided through the Platform are intended to assist users in understanding available services. They should not be treated as financial, legal, tax, or investment advice.

Loan approval, interest rates, loan amounts, repayment periods, and other terms remain subject to the final assessment and documentation applicable to the relevant loan product.

19. Limitation of Liability

To the maximum extent permitted by applicable law, Hello Cash and its applicable affiliates, officers, employees, and service providers will not be liable for indirect, incidental, special, or consequential losses arising solely from your use of or inability to access the Platform.

Nothing in these Terms excludes or limits liability where such liability cannot lawfully be excluded or limited.

20. Suspension or Termination

Access to some or all of the Platform may be restricted, suspended, or terminated where reasonably necessary, including in cases of suspected fraud, misuse, security risk, breach of these Terms, or legal or regulatory requirements.

21. Changes to These Terms

We may update these Terms periodically to reflect changes to our services, technology, business practices, or legal and regulatory requirements.

Updated Terms will be published on this page with the revised "Last updated" date. Where required by applicable law, additional notice or consent will be provided.

22. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

23. Governing Law and Dispute Resolution

These Terms are governed by the laws of India, subject to any mandatory rights or jurisdictional requirements that apply to the relevant user, service, or transaction.

Any dispute-resolution mechanism, arbitration provision, or jurisdiction clause applicable to a particular loan will be governed by the relevant loan agreement and applicable law.

Insert your legally reviewed jurisdiction and dispute resolution provisions here before publication.

24. Grievance and Complaints

If you have a complaint or concern regarding Hello Cash or the Platform, please contact us through the official support channels below.

25. Contact Information

For questions regarding these Terms & Conditions, please contact:

Hello Cash
Email: enquiry@hellocash.net.in
Phone: +91 89102 03005

You may also submit an enquiry through our Contact Us page.