Terms & Conditions

1. Acceptance

These Terms & Conditions govern your access to and use of the RushMoney website, mobile application and related services (the "Platform"), operated by RushMoney ("RushMoney", "we", "us").

By accessing the Platform, creating an account or submitting an application, you confirm that you have read, understood and agree to be bound by these terms and by our Privacy Policy. If you do not agree, please do not use the Platform.

2. Our role

RushMoney is a technology platform, not a lender. We act as a Lending Service Provider, facilitating the origination and servicing of loans on behalf of RBI-registered non-banking financial companies ("Lending Partners").

• All credit decisions are made solely by the Lending Partner, in accordance with its own credit policy.
• The loan agreement is between you and the Lending Partner. RushMoney is not a party to it.
• We do not guarantee that any application will be approved, or approved on any particular terms.
• Nothing on the Platform constitutes an offer of credit or financial advice.

3. Eligibility

To use the Platform you must be an Indian citizen, at least 21 years of age, of sound mind, and legally competent to contract under the Indian Contract Act, 1872. Meeting the published eligibility criteria entitles you to apply; it does not entitle you to a loan.

4. Your account and information

• You agree to provide information that is true, accurate, current and complete, and to keep it updated.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• You must never share an OTP, password, card number or net-banking credential with anyone, including anyone claiming to represent RushMoney.
• Notify us immediately at hello@rushmoney.in if you suspect unauthorised access.
• Providing false, misleading or forged information may result in rejection of your application, termination of your account, and reporting to the relevant authorities.

5. Loan terms

Where an application is approved, the specific commercial terms — principal, interest rate, tenure, processing fee, applicable taxes, repayment date, total repayable amount and the annual percentage rate — will be set out in a Key Fact Statement and the loan agreement issued by the Lending Partner.

You will be shown the complete cost of the loan, including all charges, before you are asked to accept. In the event of any inconsistency between figures displayed on the Platform (including any calculator or illustrative example) and the executed loan agreement, the loan agreement prevails.

You have a cooling-off period as specified in your loan agreement, during which you may exit the loan by repaying the principal and the proportionate annual percentage rate, without penalty.

6. Repayment

• You agree to repay the total amount due on or before the due date stated in your loan agreement.
• Repayment is collected through the mandate or payment method you authorise at disbursal.
• Prepayment and foreclosure are permitted at any time at no additional charge.
• Failure to repay on time may attract late payment charges, will be reported to credit information companies, and may adversely affect your credit score and your ability to obtain credit in future.
• Recovery will be conducted lawfully and respectfully. Neither we nor anyone acting for us will use abusive, coercive or threatening conduct, contact persons other than those you have authorised, or make contact outside permitted hours.

7. Charges

The charges applicable to our loan products are published on the Personal Loan page and restated in your Key Fact Statement. RushMoney does not charge you a separate fee for using the Platform. No charge will ever be collected from you outside the official flow — any request to transfer money to an individual or personal account is fraudulent and should be reported to us at once.

8. Acceptable use

You agree not to:

• Use the Platform for any unlawful purpose, or in breach of any applicable law or regulation.
• Impersonate another person or submit another person's documents as your own.
• Attempt to gain unauthorised access to the Platform, its systems or other users' data.
• Introduce malware, attempt to disrupt the service, or scrape, reverse engineer or copy the Platform.
• Use automated means to submit applications.

9. Intellectual property

The RushMoney name, logo, design, text, graphics, software and all other content on the Platform are owned by or licensed to RushMoney and are protected by intellectual property law. You may not copy, reproduce, distribute or create derivative works from them without our prior written consent.

10. Third-party links and services

The Platform may link to third-party websites or incorporate third-party services. We do not control and are not responsible for their content, practices or availability. Your dealings with them are solely between you and them.

11. Disclaimers and limitation of liability

The Platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including as to merchantability, fitness for a particular purpose and non-infringement, and we do not warrant that the Platform will be uninterrupted, timely, secure or error-free.

To the maximum extent permitted by law, RushMoney shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or goodwill, arising out of or in connection with your use of the Platform. Our aggregate liability in respect of any claim shall not exceed the total charges you have paid in connection with the loan giving rise to the claim.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.

12. Indemnity

You agree to indemnify and hold harmless RushMoney, its officers, employees and Lending Partners from any claim, loss, liability or expense (including reasonable legal fees) arising out of your breach of these terms, your violation of any law, or your infringement of any third party's rights.

13. Suspension and termination

We may suspend or terminate your access to the Platform at any time, with or without notice, if we reasonably believe you have breached these terms, provided false information, or engaged in fraudulent or unlawful activity. Termination does not affect any obligation to repay an outstanding loan.

14. Changes to these terms

We may amend these terms from time to time. The revised version takes effect when posted on this page, and the "last updated" date will change accordingly. Your continued use of the Platform after that constitutes acceptance. We will notify you of material changes.

15. Governing law and disputes

These terms are governed by the laws of India. Subject to the grievance process set out on our Grievance Redressal page, the courts at Hyderabad shall have exclusive jurisdiction over any dispute arising from them.

16. Contact

Entity: RushMoney
Email: hello@rushmoney.in
Address: Hyderabad, Telangana, India