Terms of Use

Lendcord is a brand operated by Capicord Technologies Pvt Ltd.

Lendcord is a technology-enabled platform that helps customers access digital lending and investment services through regulated financial institutions. Lendcord is not a bank, a Non-Banking Financial Company (NBFC), an RBI-registered NBFC-P2P, a deposit-taking institution, or a collective investment scheme. Peer-to-peer lending services available through the Platform are facilitated exclusively by our RBI-registered NBFC-P2P partner, Lendbox (Capicord Technologies Private Limited). All regulated lending activities — credit assessment, loan approval, escrow management, loan documentation, disbursement, repayments, collections, and regulatory compliance — are carried out solely by the regulated lending partner.

To access services through the Platform, you should generally be at least 21 years of age (or such minimum age prescribed by the regulated lending partner), be an Indian citizen or otherwise eligible under applicable law, possess valid KYC documents, hold an active bank account in your own name, and provide accurate and complete information. Lendcord reserves the right to decline, suspend, or terminate access where eligibility requirements are not met or where fraudulent or misleading information is detected.

By creating an account, you agree to maintain accurate and up-to-date information, protect the confidentiality of your login credentials, notify us immediately of any unauthorized use of your account, use the Platform only for lawful purposes, and not attempt unauthorized access to any part of the Platform. You remain solely responsible for all activity conducted through your account.

Submitting a loan application through Lendcord does not constitute approval or sanction of a loan. Loan approval depends on eligibility criteria, KYC verification, credit assessment, risk evaluation, documentation, and the policies of the regulated lending partner, who has sole discretion to approve, reject, modify, or cancel any application.

Any applicable processing fees, platform charges, technology fees, taxes, or other charges will be disclosed before you proceed with a transaction — see our Pricing & Service Fee Disclosure. No hidden charges will be imposed. Commercial terms applicable to a specific loan or investment are governed by documentation issued by the regulated lending partner.

Loan disbursements and repayments are processed through RBI-compliant banking channels and payment systems determined by the regulated lending partner. Lendcord does not receive, hold, or manage customer funds except where expressly permitted under applicable law and contractual arrangements.

All trademarks, logos, software, content, graphics, text, and designs displayed on the Platform belong to Lendcord or their respective owners. No content may be copied, reproduced, distributed, modified, or commercially exploited without prior written permission.

Lendcord shall not be liable for rejection of loan applications, lending decisions taken by regulated partners, delays caused by third-party service providers, system outages beyond our reasonable control, financial losses arising from incorrect information submitted by users, or indirect, incidental, consequential, or special damages, to the maximum extent permitted by law.

Users shall not use the Platform for unlawful activities, provide false or misleading information, engage in fraud or identity theft, attempt to manipulate Platform operations, upload malicious software, or infringe the rights of any third party. Violation of these Terms may result in suspension or permanent termination of access.

Lendcord may amend these Terms from time to time to reflect changes in applicable law, technology, business practices, or regulatory requirements. Continued use of the Platform after an update constitutes acceptance of the revised Terms.

These Terms are governed by the laws of India. Any dispute arising out of or relating to these Terms is subject to the exclusive jurisdiction of the competent courts at [PLACEHOLDER: city of registered office], India, unless otherwise required by applicable law.

Capicord Technologies Pvt Ltd is a technology platform and channel partner, and is not an RBI-registered NBFC or NBFC-P2P. Peer-to-peer lending services are facilitated through Lendbox (Capicord Technologies Private Limited), an RBI-registered NBFC-P2P. All lending decisions, credit assessment, onboarding, loan documentation, escrow operations, disbursement, and repayment management are performed solely by the regulated lending partner. Nothing on this Platform is a guarantee of loan approval, investment returns, or repayment of principal.