TERMS & CONDITIONS

Terms for Using the Koshmitra Website

These Terms and Conditions govern your access to and use of www.koshmitra.in, including our enquiry forms, Gold Loan Calculator, EMI Calculator and other website features provided by Koshmitra Private Limited.

Effective Date: 29 August 2026

WEBSITE USE

Terms & Conditions

By accessing or using this website, you agree to these Terms and Conditions. If you do not agree with these terms, you should discontinue use of the website.

1. About Koshmitra

This website is operated for Koshmitra Private Limited. The website provides general information about gold-backed borrowing, contact and enquiry facilities, and online tools intended to help users understand possible gold value and repayment scenarios.

Information displayed on this website is provided for general informational and planning purposes and should not be treated as a binding loan offer, sanction, approval or guarantee.

2. Eligibility to Use the Website

You should use this website only if you are legally capable of entering into agreements under applicable law. You are responsible for ensuring that the information you submit through any form or enquiry is accurate, current and not misleading.

You must not use the website for unlawful, fraudulent, abusive, misleading or harmful purposes.

3. Gold Loan Information & Enquiries

Any information about gold loans on this website is general in nature. Actual eligibility, loan amount, gold valuation, accepted purity, eligible weight, loan-to-value ratio, interest rate, charges, tenure, repayment structure, documentation, approval and disbursal depend on the relevant lender’s policies, verification and applicable laws or regulatory requirements.

Submission of an enquiry through the website does not create a loan agreement and does not mean that a loan has been approved or sanctioned.

4. Calculator Terms

The Gold Loan Calculator and EMI Calculator are illustrative planning tools. Results are generated using the information and assumptions entered by the user and may differ from an actual lender’s valuation or repayment calculation.

Calculator outputs are not financial advice, a loan quotation, a sanction letter, a promise of eligibility or a guarantee of disbursal. Users should review final lender documents, interest, fees and repayment obligations before accepting any loan.

5. User Responsibilities

When using this website, you agree not to provide false or unauthorized information, interfere with the operation or security of the website, attempt unauthorized access to systems or data, upload malicious code, misuse forms or calculator features, impersonate another person, or use website content in a manner that violates applicable law.

You are responsible for keeping your own devices, internet connection and personal information secure.

6. No Sensitive Credentials

Do not submit OTPs, passwords, banking PINs, UPI PINs, card PINs or other highly sensitive credentials through website forms, WhatsApp messages or email.

Koshmitra does not need such credentials to respond to a general website enquiry.

IMPORTANT LEGAL TERMS

Additional Conditions

Intellectual Property & Website Content

Unless otherwise stated, the website design, branding, written content, graphics, calculator interface and other original materials are owned by or used with permission by Koshmitra Private Limited.

You may use website content for personal informational purposes. You may not reproduce, republish, sell, commercially exploit, modify or redistribute substantial portions of the website without appropriate permission, except where permitted by law.

Third-party trademarks, tools, services or content remain the property of their respective owners.

Liability, Third Parties & Availability

We aim to keep website information useful and reasonably current, but we do not guarantee that every page, calculation, rate, feature or third-party service will always be error-free, complete, uninterrupted or available.

To the extent permitted by applicable law, Koshmitra is not responsible for losses arising solely from reliance on illustrative calculator results, third-party websites, external services, internet interruptions, unauthorized third-party activity or information supplied incorrectly by the user.

Links to third-party websites or services are provided for convenience and do not mean that Koshmitra controls or endorses their content, terms or privacy practices.