Terms & Conditions — HandLoan.ai

Effective date · 5 November 2026

1. Who operates HandLoan.ai

HandLoan.ai is operated by Jatta M Kommerce Private Limited, CIN U58200MH2024PTC428411, with its registered address at 1st Floor, Shop No. 220, Building No. 3, Citi Mall, Link Road, Andheri (West), Mumbai, Maharashtra 400053, India and its operating office at Jatta M Kommerce Pvt Ltd, REGUS, Unit No 2201A, 22nd Floor, World Trade Center, Brigade Gateway Campus, Malleswaram (W), Bangalore - 560055, Karnataka, India.

Operated by · Jatta M Kommerce Private Limited (brand: HandLoan.ai)
CIN · U58200MH2024PTC428411
Registered address · 1st Floor, Shop No. 220, Building No. 3, Citi Mall, Link Road, Andheri (West), Mumbai, Maharashtra 400053, India
Operating office · Jatta M Kommerce Pvt Ltd, REGUS, Unit No 2201A, 22nd Floor, World Trade Center, Brigade Gateway Campus, Malleswaram (W), Bangalore - 560055, Karnataka, India
Support · help@handloan.ai · +91 99866 07600 · Monday to Saturday, 9:30 AM – 6:30 PM IST (closed on public holidays)

These Terms govern your use of the HandLoan.ai website, its enquiry and grievance forms, chat assistant and related services. References to “HandLoan”, “we”, and “us” mean Jatta M Kommerce Private Limited. References to “you” mean the person using the platform.

2. Eligibility and acceptance

To submit an enquiry you must be 21 to 58 years old, an Indian citizen or resident, able to enter into a contract, and have a monthly income of at least ₹15,000. Lending partners may apply additional eligibility criteria.

When you submit an enquiry, we will ask you to accept these Terms. The Privacy Policy explains how we handle personal data. Any separate consent or authorisation required for a credit check, personal data processing or sharing, or optional marketing will be requested at the relevant step.

3. What HandLoan provides

HandLoan.ai is a loan facilitation platform that works with the lending partners listed on its Lending Partners page. HandLoan collects your enquiry and explains loan options in plain language; it does not lend money, approve loans or collect repayments. HandLoan shares your enquiry with a listed lending partner only after telling you which lender and taking your consent. The lender identified in any offer is the entity responsible for the loan.

4. Enquiries, offers, and loan contracts

An enquiry is not a loan application or a loan offer, and does not guarantee a loan. If you choose to apply with a lending partner, the lender may verify your information, request additional documents, decline an application, or issue an offer. Review the lender's name, loan amount, APR, tenure, repayment schedule, charges, and KFS where applicable before accepting an offer. Your loan agreement is with the lender.

Follow the lender's verified instructions for disbursement and repayment. HandLoan does not collect loan repayments into its own account.

5. Charges, withdrawals, and refunds

HandLoan.ai does not charge you any fee for submitting an enquiry. Never pay anyone an upfront fee. Any lender charges are disclosed by the lender in its Key Facts Statement. Please refer to our Refund & Cancellation Policy for how to report a payment issue or withdraw an enquiry. For an already disbursed loan, the lender handles cooling-off, prepayment, and closure under the applicable terms and rules.

6. Your responsibilities

Provide information that is accurate, current, and yours to share. Keep your account credentials and one-time passwords confidential. Notify us promptly if you suspect unauthorised use of your account. You may use the platform for lawful purposes. We may restrict access if we reasonably suspect fraud, misuse, or a security risk, subject to applicable law.

7. Platform content and responsibility

You may use HandLoan's website and app for their intended purposes. Platform content, software, and branding belong to HandLoan or the respective rights holders.

HandLoan is responsible for its own services and obligations under applicable law. The lender is responsible for its lending decisions and loan obligations. Nothing in these Terms limits rights or remedies that cannot lawfully be limited.

8. Third-party services

Some features are provided by third parties: the AI chat assistant on our website (provided by iamkratu.ai), WhatsApp, our hosting and email providers, and the lending partners listed on our Lending Partners page (only with your consent). Their own terms and privacy notices also apply when you use them. The chat assistant is an automated tool: it gives general information, cannot approve or guarantee a loan, and may occasionally be inaccurate, so always rely on the lender's offer, Key Facts Statement and loan agreement.

9. Limitation of liability

HandLoan is responsible for providing its own services with reasonable care and skill. To the extent permitted by law, HandLoan is not responsible for a lender's decision to approve or decline an application, the lender's loan terms, disbursement or recovery actions, or for loss caused by inaccurate information you provide, by your sharing your credentials or one-time passwords, or by events beyond our reasonable control. Nothing in these Terms excludes or limits any liability, or any right you have, that cannot be excluded or limited under applicable law, including consumer protection law.

10. Suspension, termination, and account deletion

You can stop using the platform at any time. To withdraw an enquiry and request deletion of your personal data, email help@handloan.ai; we will act on your request as described in the Privacy Policy, subject to records we must keep by law. Closing your HandLoan account does not close or cancel a loan you have taken from a lender: your loan agreement continues until it is repaid or closed under its terms.

We may suspend or close access to the platform if we reasonably suspect fraud, misuse, a security risk or a breach of these Terms, and will tell you the reason where the law allows.

11. Complaints and disputes

For a HandLoan complaint, email help@handloan.ai or call +91 99866 07600 (Monday to Saturday, 9:30 AM – 6:30 PM IST (closed on public holidays)). Include your enquiry reference (if any) and a brief description of the issue. If it is not resolved, escalate to our Grievance Officer, Amit, at help@handloan.ai or +91 99866 07600.

HandLoan.ai Grievance Officer · Amit, Grievance Redressal Officer, Jatta M Kommerce Private Limited
Email · help@handloan.ai
Phone · +91 99866 07600
Postal address · Jatta M Kommerce Pvt Ltd, REGUS, Unit No 2201A, 22nd Floor, World Trade Center, Brigade Gateway Campus, Malleswaram (W), Bangalore - 560055, Karnataka, India
Working hours · Monday to Saturday, 9:30 AM – 6:30 PM IST (closed on public holidays)
Response time · Customer support (help@handloan.ai) within 7 working days; Grievance Officer within 15 days. Acknowledgement within 2 working days.

For a lender-related complaint, use the lender's grievance contact shown in its KFS or on its official website. If the lender rejects your complaint, you are dissatisfied with its response, or you receive no response within 30 days, you may escalate an eligible complaint through the RBI Complaint Management System under the applicable scheme. These Terms are governed by Indian law. Your right to approach a competent court, consumer forum, or regulator remains available.

12. Changes to these Terms

We will publish updated Terms with their effective date and notify users of material changes where required. Existing loan agreements are governed by their own terms and applicable law.