Terms and Conditions

Last updated: January 2026

This website (www.monest.in) is owned and operated by Monest (“Company”, “we”, “us”, “our”).
By accessing, browsing, or using this website and its tools, forms, calculators, or services (“Platform”), you agree to be bound by these Terms and Conditions (“Terms”).

This digital document constitutes a legally binding agreement under the laws of India, including the Information Technology Act, 2000 and the rules made thereunder.

If you do not agree with these Terms, please do not use this Platform.

1. Scope of Services

Monest is a financial solutions and loan facilitation platform. We assist individuals, families, and businesses in:

Understanding loan options
Comparing offerings from banks and NBFCs
Facilitating loan applications and related processes
Providing informational tools such as EMI calculators

Monest does not provide loans directly, does not guarantee approvals, interest rates, tenures, or timelines, and does not act as a lender.

2. Eligibility

By using this Platform, you confirm that:

You are at least 18 years of age
You are competent to enter into a legally binding contract under Indian law
Any information provided by you is true, accurate, and complete

3. Use of the Website and Tools

You agree to use the Platform:

Only for lawful purposes
Without misrepresentation, impersonation, or fraud
Without attempting to disrupt, damage, or misuse the Platform

All calculators, estimators, and tools provided on the Platform are for indicative and informational purposes only and should not be treated as financial, legal, or tax advice.

4. No Financial Advice or Guarantee

Information provided on this Platform:

Is general in nature
Does not constitute professional financial advice
Does not guarantee loan approval, interest rate, tenure, or lender terms

Final loan terms are determined solely by the respective bank or NBFC, based on their internal policies and your eligibility.

5. User Information and Consent

By submitting your details on the Platform, you:

Consent to Monest collecting, storing, processing, and sharing your information with relevant banks and NBFCs for loan facilitation
Consent to being contacted via call, SMS, email, or WhatsApp for service-related communication
Acknowledge that communications may continue until your request is resolved or withdrawn

Your data will be handled in accordance with our Privacy Policy.

6. Third-Party Financial Institutions

Monest works with third-party banks, NBFCs, and lending institutions.
We are not responsible for:

Their credit decisions, policies, or processing timelines
Any rejection, cancellation, or modification of loan applications
Disputes between you and the lending institution

Any loan agreement entered into is solely between you and the respective lender.

7. Intellectual Property

All content on the Platform, including text, design, logos, software, calculators, and layouts, is the intellectual property of Monest and is protected under applicable laws.

You may not:

Copy, reproduce, modify, distribute, or exploit any content without prior written consent
Use Monest branding or content for commercial purposes without authorisation

8. Confidentiality

Any non-public information shared by you or accessed through the Platform shall be treated as confidential, subject to applicable laws and disclosures required for loan facilitation.

9. Limitation of Liability

To the maximum extent permitted under law:

Monest shall not be liable for indirect, incidental, consequential, or special damages
We are not responsible for losses arising from reliance on calculator outputs or third-party lending decisions
The Platform is provided on an “as is” and “as available” basis

10. Indemnity

You agree to indemnify and hold harmless Monest, its directors, employees, and partners from any claims, losses, damages, or expenses arising from:

Your misuse of the Platform
False or misleading information provided by you
Violation of these Terms or applicable laws

11. Termination

Monest reserves the right to suspend or terminate access to the Platform at its discretion, without notice, if these Terms are violated or misuse is detected.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.
Courts located in New Delhi shall have exclusive jurisdiction.

13. Dispute Resolution

Any dispute arising out of or relating to these Terms shall be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996.

Seat of arbitration: New Delhi
Language: English / Hindi
Arbitrator: Sole arbitrator appointed mutually

14. Force Majeure

Monest shall not be liable for failure or delay in performance due to events beyond reasonable control, including natural disasters, system failures, regulatory changes, or acts of God.

15. Amendments

Monest reserves the right to modify these Terms at any time.
Continued use of the Platform after changes implies acceptance of the updated Terms.

16. Contact Information

For questions or concerns regarding these Terms, please contact:
Email: info@monest.in