Terms & Conditions

Welcome to TimesMoney. By accessing or using our website at https://www.timesmoney.in and any associated services (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully before using our platform.

1. Description of Services

TimesMoney is a financial services aggregation and comparison platform. Our Services include:

• Comparison of financial products such as loans, credit cards, insurance policies, and investment options from various banks and financial institutions
• Financial calculators and tools (EMI Calculator, SIP Calculator, etc.)
• Educational content, articles, and guides on financial topics
• Lead generation and connection services between users and financial institutions
• Mobile application for earning through campaigns and referrals

We act as an intermediary and aggregator. We do not directly provide loans, insurance, credit cards, or any other financial products. All products are offered by our partner banks and financial institutions.

2. License and Site Access

TimesMoney grants you a limited, non-exclusive, non-transferable, revocable license to access and use our website and Services for personal, non-commercial purposes, subject to these Terms.

This license does not include:

• Modifying, copying, or distributing any content from our website
• Using any data mining, robots, or similar data gathering tools
• Downloading or copying account information for the benefit of another party
• Any use of our website or its content other than for its intended purpose
• Framing or mirroring any part of our website without prior written consent

Unauthorized use of our website may give rise to a claim for damages and/or constitute a criminal offense. We reserve the right to terminate your access at any time without notice for any violation of these Terms.

3. User Eligibility

By using our Services, you represent and warrant that:

• You are at least 18 years of age
• You are a resident of India or are legally permitted to access our Services from your jurisdiction
• You have the legal capacity to enter into a binding agreement
• You will provide accurate, current, and complete information when requested
• You will not use the Services for any unlawful or prohibited purpose

If you are under 18 years of age, you may not use our Services. We reserve the right to refuse service, terminate accounts, or cancel applications if we suspect that provided information is inaccurate or incomplete.

4. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Providing false, misleading, or inaccurate information
• Impersonating another person or entity
• Interfering with or disrupting the website or servers
• Attempting to gain unauthorized access to any part of the Services
• Using the Services for any commercial solicitation without our permission
• Transmitting any malware, viruses, or harmful code
• Scraping, crawling, or otherwise automatically collecting data from our website
• Circumventing any security features of the website
• Using the Services to promote illegal activities

5. Disclaimer

• All financial product information, including interest rates, fees, terms, and features, is sourced from our partner institutions and is subject to change without notice.
• We strive to keep information accurate and up-to-date, but we make no warranties or representations regarding the completeness, accuracy, or reliability of any information on our platform.
• You should independently verify all information and consult with a qualified financial advisor before making any financial decisions.
• Calculator results (EMI, SIP, etc.) are approximate and for illustrative purposes only. Actual amounts may vary based on the financial institution's specific terms.
• TimesMoney is not responsible for any decisions made based on the information provided on this website.

6. Limitation of Liability

To the fullest extent permitted by applicable law:

• TimesMoney, its directors, employees, partners, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services.
• We are not responsible for any loss or damage resulting from your reliance on information provided on our platform.
• We are not liable for any actions taken by third-party financial institutions, including loan approvals, rejections, or changes in terms and conditions.
• Our total liability for any claim arising from the use of our Services shall not exceed the amount you paid to us (if any) in the twelve months preceding the claim.

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, software, and the compilation thereof, is the property of TimesMoney or its content suppliers and is protected by Indian and international copyright, trademark, and other intellectual property laws. Unauthorized reproduction, distribution, or use of any content from this website is strictly prohibited.

8. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by TimesMoney. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that TimesMoney shall not be responsible or liable for any damage or loss caused by your use of any third-party websites or services.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or related to these Terms or the use of our Services shall be subject to the exclusive jurisdiction of the courts in India.

10. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on this page. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

11. Contact Us

If you have any questions about these Terms, please contact us: