Terms & Conditions

Last Updated: April 2025

Welcome to Sonesakhara. By accessing our website, you agree to be bound by these Terms and Conditions. These terms govern your use of our financial aggregation services, credit score checks, and consultation portals.

1. Acceptance of Terms

By using Sonesakhara, you acknowledge that you have read, understood, and agreed to be legally bound by these terms. If you do not agree with any part of these terms, you must immediately stop using our platform.

2. Eligibility

You must be at least 18 years of age and a resident of India to use our services. By using this website, you represent that you have the legal capacity to enter into a binding agreement.

3. Services Provided

Sonesakhara is a financial services facilitator. We do not provide loans or insurance directly; we connect users with RBI-licensed banks, NBFCs, and IRDAI-approved insurance providers. We provide:

  • Loan and Credit Card comparison tools.
  • Free Credit Score monitoring (via partner agencies).
  • Financial consultation with banking experts.
  • Insurance policy discovery and leads.

Facilitator Disclosure

Sonesakhara is not a lender or insurer. All financial decisions and approvals are at the sole discretion of our partner financial institutions. Sonesakhara is not responsible for the approval or rejection of any application.

4. User Responsibilities

As a user of Sonesakhara, you agree to:

  • Provide accurate, current, and complete information in all forms.
  • Not use the platform for any fraudulent or illegal activities.
  • Acknowledge that financial products carry risks and you should read the lender’s terms carefully.

6. Third-Party Links

Our platform may contain links to third-party banking or insurance websites. We do not control these websites and are not responsible for their content or privacy practices. Your interaction with third parties is governed by their respective terms.

7. Limitation of Liability

Sonesakhara shall not be liable for any direct, indirect, or incidental damages resulting from the use or inability to use our services, or for any financial losses incurred through products obtained via our platform.

8. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Delhi, India.

9. Contact Information

For any questions regarding these Terms & Conditions, please contact us at legal@sonesakhara.com.