Terms of use

These terms apply when you use www.unbiaslending.com, app.unbiaslending.com, or the services of Unbias Lending, a brand of Fayda Fintech Private Limited (CIN U66190GJ2025PTC158241) (“Unbias Lending”, “we”, “us”). By using them, you agree to these terms. Please also read our privacy policy and disclaimer.

What we do

We help you compare home loan offers from the banks, NBFCs and housing finance companies we work with, and we help you apply to the lender you choose and follow your application through to disbursal. For some lenders we act directly as their direct selling agent (DSA); for others we work through a corporate DSA that holds the agreement with that lender.

We are not a lender. We do not sanction or disburse loans, and we cannot guarantee that a lender will approve your application, offer you a particular rate or lend you a particular amount.

How offers are shown

We match your details against the published criteria of the lenders we work with and show you the offers that fit, sorted by interest rate, lowest first. We use the same matching rules for every borrower with a similar profile. We also tell you which lenders do not fit your details and why. Lenders do not pay to appear higher on your list.

Our service is free for you

We do not charge you for comparing offers, applying, or working with an advisor. Lenders charge their own fees, such as processing, legal, valuation and prepayment charges. These are set by the lender, paid to the lender and shown in the lender’s Key Fact Statement and sanction letter. Your advisor lists them before you commit.

Offers and rates

The rates, EMIs, totals and savings shown on our site and in our calculators are indicative. Your actual rate, loan amount and terms are decided by the lender after it assesses your credit history, income, property and documents, and are set out in the lender’s Key Fact Statement and sanction letter.

Credit checks

To match you with lenders, we may obtain your credit report from a credit information company with your consent. This is a soft enquiry and does not affect your credit score. A lender may run its own credit check when you apply with it.

Your responsibilities

• Give us accurate, complete and current information, and tell us if anything changes.
• Apply only for yourself, or for someone who has authorised you to apply on their behalf.
• Read the lender’s Key Fact Statement, sanction letter and loan agreement before you accept a loan.
• Do not misuse the site, for example by trying to break its security or by submitting someone else’s details without their consent.

Communication

When you apply or contact us, you agree that we may contact you about your application by phone, SMS, email or WhatsApp, including if your number is on the National Do Not Call Registry. We will not send you promotional messages without your separate consent. You can ask us to stop contacting you at any time; if your application is still open, we may then be unable to continue it.

Liability

We take care to keep our information accurate and our service working. We are not responsible for a lender’s decision, for changes a lender makes to its rates, fees or terms, or for losses caused by inaccurate information you give us. To the extent the law allows, we are not liable for indirect or consequential losses. Nothing in these terms limits liability that cannot be limited under Indian law.

Intellectual property

The content, design, software and Unbias Lending name and logo belong to Fayda Fintech Private Limited. You may not copy or reuse them without our written permission. Lender names belong to their owners.

Changes and suspension

We may update these terms. The version on this page, with its date, is the one that applies. We may suspend or stop parts of the service, but we will not do so in a way that leaves an application you have already submitted unattended.

Grievances

If you have a complaint, contact our Grievance Officer at support@unbiaslending.com or +91 90154 46446. We aim to resolve complaints within 30 days. More detail, including how to escalate a complaint about a lender, is in our disclaimer.

Governing law

These terms are governed by the laws of India. The courts of Ahmedabad, Gujarat have exclusive jurisdiction.

Contact

Fayda Fintech Private Limited 801, Shivalik Shilp 2, Opp. ITC Narmada, Vastrapur, Ahmedabad, Gujarat 380015, India support@unbiaslending.com · +91 90154 46446 CIN: U66190GJ2025PTC158241