Terms & Conditions

1. Platform Role & Nature of Service

GammaMoney Technologies Pvt. Ltd. ("GammaMoney", "we", "us", "our") operates a technology-enabled digital loan marketplace. We act as a Direct Selling Agent (DSA) and connect eligible borrowers with RBI-regulated Banks and Non-Banking Financial Companies (NBFCs). GammaMoney does not lend money, does not hold any banking or NBFC license, and is not responsible for loan sanction, disbursement, interest rates, or repayment collection. All lending decisions are made independently by the respective lending partner.

2. Eligibility

To register and use GammaMoney, you must:

• Be an Indian citizen aged 21 to 60 years at the time of application.
• Hold a valid PAN card and Aadhaar card issued by the Government of India.
• Have a regular and verifiable source of income (salaried or self-employed).
• Provide accurate, complete, and non-fraudulent information throughout the process.
• Not be declared insolvent or have been subjected to IBC proceedings.

GammaMoney reserves the right to reject any application that does not meet minimum eligibility criteria or raises concerns regarding authenticity.

3. Loan Approval, Terms & Lender Decisions

All decisions regarding loan sanction, loan amount, interest rate (ROI), processing fees, repayment tenure, and disbursal timelines are made entirely at the discretion of the individual lending partner. GammaMoney does not guarantee approval of any loan application, does not set lending terms, and has no authority to influence lender decisions. Applicants must review and accept the lending partner's own terms and conditions before accepting any loan offer.

4. Platform Fee

GammaMoney charges a one-time, non-refundable platform registration fee of ₹500 + 18% GST (₹590 total) to access and process your loan application. This fee covers:

• Application review, profile setup, and onboarding.
• KYC document collection, validation, and secure cloud storage.
• Credit eligibility analysis and bureau inquiry facilitation.
• Lender matching and forwarding of your application to suitable lending partners.

This fee is charged for platform services rendered by GammaMoney and is entirely separate from any loan-related charges levied by the lending partner (such as processing fees, insurance, or stamp duty). The platform fee is not a loan charge and is non-refundable once application processing has commenced. See our Refund Policy and Fees & Charges pages for full details.

5. User Responsibilities

As a user of GammaMoney, you agree to:

• Provide only accurate, complete, and truthful information in your application.
• Not upload forged, tampered, or fraudulent documents.
• Keep your account credentials secure and not share them with any third party.
• Promptly notify GammaMoney of any unauthorized access to your account.
• Not use the platform for any fraudulent, illegal, or unauthorized purpose.
• Comply with all applicable Indian laws, including the Information Technology Act, 2000.

Providing false or misleading information constitutes fraud and may result in immediate application rejection, permanent account suspension, and may be reported to relevant authorities as a criminal offense under the Indian Penal Code and IT Act.

6. Data & KYC Consent

By submitting your application, you provide explicit consent for GammaMoney and its lending partners to collect, store, process, and share your personal and financial data (including Aadhaar, PAN, bank statements, and credit bureau data) for the purposes of loan processing, KYC verification, and credit assessment. Data handling is governed by our Privacy Policy.

7. Intellectual Property

All content on the GammaMoney platform — including text, graphics, logos, icons, software, and UI design — is the exclusive property of GammaMoney Technologies Pvt. Ltd. and is protected under Indian and international copyright and trademark laws. Unauthorized reproduction, redistribution, or creation of derivative works is strictly prohibited.

8. Limitation of Liability

GammaMoney's role is limited to that of a loan marketplace and DSA. We shall not be liable for loan rejections, lender decisions, disbursement delays, interest rate fluctuations, or any loss arising from use of third-party lending services. In no event shall our aggregate liability exceed the platform fee paid by you.

9. Disclaimer of Warranties

The platform is provided on an "as is" and "as available" basis. GammaMoney makes no warranties, express or implied, regarding the accuracy, completeness, or fitness for purpose of any information on the platform. We do not warrant that lenders will approve your loan application.

10. Grievance Redressal

If you have a complaint or grievance, please first contact our support team. If unresolved, you may escalate to our Grievance Officer. Details are available on our Grievance Redressal page.

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved through mutual discussion within 30 days. If unresolved, the dispute shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996, with the seat of arbitration in New Delhi. Courts in New Delhi shall have exclusive jurisdiction over matters not subject to arbitration.

12. Modifications to Terms

GammaMoney reserves the right to update or modify these Terms at any time with reasonable notice via email or platform notification. Continued use of the platform after such changes constitutes acceptance of the revised Terms.

13. Contact Us

For any queries related to these Terms, please reach out:

• Email: support@gammamoney.in
• Phone: +91 93060 62048
• Working Hours: Monday–Friday, 10 AM – 6 PM IST