Terms of Service

Last updated: 16 May 2026

Terms Fair Practice Code Grievance Redressal

Terms & Conditions

These Terms govern your use of Cx Loan's website and services. By accessing or using Cx Loan, you agree to be bound by these Terms.

1. About Cx Loan

Cx Loan is a digital financial services marketplace based in India. Cx Loan is not a lender, bank, or NBFC. We are a Lending Service Provider (LSP) that connects borrowers with RBI-registered banks and NBFCs ("Partner Lenders"). All lending decisions and disbursals are made by Partner Lenders at their sole discretion.

2. Eligibility

To use our services, you must:

Be an Indian citizen aged 18 years or above.
Provide accurate, true, and current information.
Have the legal capacity to enter into binding contracts.

3. Our Services

Cx Loan helps you compare and apply for personal loans, credit cards, loan against property, business loans, and related financial products. Final approval, terms, interest rates, and disbursal are governed by the Partner Lender's policies and agreements.

4. No Guarantee of Approval

Submitting an application through Cx Loan does not guarantee loan approval or any specific terms. Approval is subject to credit checks, KYC, income verification, and the Partner Lender's underwriting policies. Cx Loan does not influence lending decisions.

5. Fees & Charges

Cx Loan does not charge users for matching with lenders or for using our website. Partner Lenders may charge processing fees, foreclosure charges, late payment penalties, and other charges, which are disclosed in the Key Fact Statement (KFS) before loan sanction. Indicative APR ranges from 10.99% to 28% per annum, depending on loan type, tenure, amount, and your credit profile.

6. Authorisation & Consent

By applying through Cx Loan, you authorise us to:

Share your information with our Partner Lenders for loan evaluation.
Conduct credit bureau checks through CIBIL, Experian, Equifax, or CRIF.
Contact you via SMS, email, WhatsApp, or phone regarding your application.
Use your information as per our Privacy Policy.

7. Your Responsibilities

Provide truthful and accurate information.
Keep your login credentials secure.
Inform us of any changes to your contact details.
Read and understand loan terms before accepting.
Borrow responsibly and repay on time.

8. Intellectual Property

All content, design, code, logos, and trademarks on this website are owned by Cx Loan or our licensors. You may not copy, reproduce, modify, scrape, or distribute any content without our written permission. Unauthorised use may result in legal action.

9. Limitation of Liability

Cx Loan is not liable for any decisions made by Partner Lenders, including loan rejection or specific terms offered. We are not liable for indirect, incidental, or consequential damages arising from the use of our services. Our maximum liability is limited to ₹1,000.

10. Termination

We reserve the right to suspend or terminate your access for violation of these Terms, fraudulent activity, or any reason at our sole discretion.

11. Governing Law

These Terms are governed by the laws of India. Disputes will be subject to the exclusive jurisdiction of Indian courts.

12. Modifications

We may update these Terms periodically. Continued use of our services after changes constitutes acceptance. Check this page regularly for updates.

Fair Practice Code

Cx Loan follows fair practices in dealing with all customers, in line with RBI's Fair Practice Code for Digital Lending Platforms.

Transparency

All loan terms, interest rates, fees, and charges are disclosed upfront in the Key Fact Statement (KFS).
We clearly identify ourselves as a Lending Service Provider (LSP), not a lender.
The name of the Partner Lender funding your loan is disclosed before sanction.

No Discrimination

We do not discriminate on the basis of religion, caste, gender, age (subject to eligibility), or disability.

Privacy & Data Protection

Your data is collected only with explicit consent.
Data is shared only with verified Partner Lenders for the stated purpose.
You can withdraw consent at any time (may affect ongoing services).

Responsible Lending

We never use coercive recovery practices.
We do not contact your family or friends for recovery.
Recovery calls are made only during reasonable hours (8 AM – 7 PM).

Grievance Redressal Policy

We take customer grievances seriously and aim to resolve them promptly.

Level 1: Customer Support

Email: support@cxloan.info

Expected response time: 24-48 business hours

Level 2: Grievance Officer

If unresolved at Level 1, escalate to our Grievance Officer:

Email: grievance@cxloan.info
Response time: Within 7 working days

Level 3: Nodal Officer / Ombudsman

If still unresolved within 30 days, you may approach:

RBI Ombudsman under the Reserve Bank · Integrated Ombudsman Scheme 2021.
File complaints at: https://cms.rbi.org.in

Important Disclosure: Cx Loan is a digital lending services marketplace and not an NBFC, bank, or RBI-registered lender. We act as a Lending Service Provider (LSP) connecting borrowers with our network of RBI-registered NBFC and bank partners. All loans are sanctioned and disbursed by our partner lenders at their sole discretion, subject to credit appraisal, documentation, and verification.