Terms of Use

1. What Kaapi Money does

Kaapi Money helps you:

• Check your credit score, free of charge, and understand what is in your credit report
• Get a personalised plan for improving your credit score over time
• See loan and credit card options from our partner banks and NBFCs that you may be eligible for
• Apply to a lender you choose, if you ask us to pass on your application
• Learn about credit, loans, government schemes, and financial fraud in plain language

We use AI assistants inside the Platform to answer your questions across all of the above.

2. What Kaapi Money is not

Kaapi Money is not a lender. We are not a bank, an NBFC, or any other entity regulated by the Reserve Bank of India for lending. We hold no RBI lending licence and we do not accept deposits.

Specifically, we do not:

• Approve or reject any loan application. Only the lender does that
• Disburse loan money. It goes directly from the lender to your bank account
• Conduct KYC. Know Your Customer verification is the lender’s regulatory obligation and the lender carries it out directly with you
• Receive your repayments. They go directly to the lender
• Guarantee any loan, any loan amount, any interest rate, or any credit score outcome
• Carry out any recovery or collections activity. We do not do this today. If it ever changes, we will amend these Terms and notify you in advance under Section 19

Where we work with an RBI-regulated entity, we act as a Lending Service Provider under the Reserve Bank of India (Digital Lending) Directions, 2025. Any loan contract you enter into is between you and that lender, not with us.

Our partners are named at https://www.kaapi.money/partners.html, together with their regulatory status and grievance officer contact details. We do not currently have a direct relationship with any bank or NBFC. Our partners are distribution channels that connect you onward to a lender. Only a bank or an NBFC can lend to you, and we will tell you the name of that lender before you commit to anything.

3. Eligibility

You may use the Platform only if you:

• Are 18 years of age or older
• Are a resident of India
• Hold a valid PAN
• Have an active Indian mobile number
• Are competent to contract under the Indian Contract Act, 1872
• Are not barred from using such services by any law or by any order of a regulator or court

You must use your own identity and your own PAN. Using another person’s details, including a family member’s, is not permitted even with their consent.

4. Your account

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Please tell us promptly if your registered mobile number or email changes, or if you believe someone else has obtained access.

You agree to provide accurate, current, and complete information and to keep it updated. If the information you give us is inaccurate or incomplete, the offers we show you will be inaccurate and lenders may reject your application. We are not responsible for outcomes arising from information you provided.

5. Credit score and credit reports

Consent. We fetch your credit report from Experian only after you give clear, separate consent within the Platform.

Soft enquiry. Our credit check is a soft enquiry and does not reduce your credit score. If you subsequently apply for a loan, the lender may run a hard enquiry, which can affect your score slightly. We will tell you before that step.

Accuracy of bureau data. Credit information is provided by the credit information company and we cannot alter it. If you find an error, you must raise a dispute directly with Experian. We will guide you through the process, but the correction is theirs to make.

No score guarantee. We provide guidance based on the information in your report. Your credit score depends on your own repayment behaviour, your credit utilisation, and how lenders report your accounts. We do not promise any particular score, any increase, or any timeline.

Anyone who offers to “fix”, “delete”, or “boost” your credit score for a fee is running a scam, including anyone claiming to represent Kaapi Money.

6. Loan offers and applications

Offers are indicative. Any loan amount, interest rate, tenure, or EMI shown on the Platform is an indicative estimate based on the information available at that time. Final terms are determined by the lender following its own assessment and may differ.

How offers are displayed. Where we display offers from more than one lender, we display them without bias, showing the loan amount, Annual Percentage Rate, tenure, monthly repayment obligation, and applicable penalties. Any ranking we apply is based on a publicly disclosed, objective metric, which is stated on screen. Ranking is never based on what a lender pays us.

KYC is done by the lender. Once you select an offer, the bank or NBFC conducts its own Know Your Customer verification, as it is required to do under RBI’s Master Direction on KYC. That process is run by the lender, on the lender’s systems, under the lender’s privacy policy. Any identity documents, photographs, or video verification requested as part of KYC are provided by you to the lender directly. Kaapi Money does not collect, view, or store them.

Before you borrow. The lender will issue you a digitally signed Key Fact Statement setting out the Annual Percentage Rate, all fees and charges, tenure, repayment schedule, penalties, cooling-off period, and the contact details of its grievance officer. Please read it in full. Your agreement is with the lender.

Rejection. Lenders decline applications for their own reasons. We cannot reverse a rejection and we may not always be told the reason.

7. Charges

Kaapi Money charges you nothing for its core services. There is no platform fee, no processing fee, no membership fee, and no credit score improvement fee.

Where a lender engages our services, that lender pays us. We are never paid by a borrower for services rendered to a lender. This is required by the Reserve Bank of India (Digital Lending) Directions, 2025.

If we introduce a paid feature in future, we will disclose the price clearly and obtain your explicit consent before charging anything. We will not auto-debit you.

Interest, processing fees, GST, insurance premiums, and other charges levied by a lender are governed by your agreement with that lender and will be disclosed in its Key Fact Statement.

8. Our AI assistants, and the limits of what we provide

Our assistants are powered by artificial intelligence, and you should treat their output accordingly.

They can make mistakes. An assistant may misread a question, state a figure incorrectly, or rely on information that is out of date. Please verify anything material before acting on it.

Nothing on the Platform is regulated advice. Content provided by our AI assistants or published by us is general financial education. It is not investment advice, tax advice, legal advice, or a recommendation to purchase any financial product, and it does not take your individual circumstances into account. We are not a SEBI-registered investment adviser or research analyst, an insurance broker, or a tax practitioner. Please consult a qualified professional for advice specific to your situation.

They make no credit decisions. Those rest entirely with the lender.

9. Communications

By registering, you authorise us to contact you by SMS, email, in-app notification, and telephone regarding your account, your applications, and the services you have opted for, including where your number is registered under DND, DNC, or NCPR. This authorisation remains valid until your account is deactivated or you withdraw consent.

Marketing communications are separate and optional. You may opt out at any time, as described in our Privacy Policy, without affecting your access to the Platform.

We may record customer support calls for quality and training purposes, and will tell you at the start of the call.

10. Acceptable use

You agree not to:

• Provide false, forged, or another person’s identity, PAN, or financial information
• Use the Platform for money laundering, terrorist financing, or any unlawful purpose
• Attempt to gain unauthorised access to, reverse engineer, scrape, decompile, or overload our systems
• Use bots, crawlers, or other automated means to access the Platform
• Copy, reproduce, distribute, or resell our content, scripts, or software
• Impersonate Kaapi Money, our personnel, or our partners
• Abuse, threaten, or harass our support team
• Upload malware, or any content that is unlawful, obscene, defamatory, or infringing
• Post or transmit anything unlawful under Indian law, including content that is defamatory, obscene, invasive of another’s privacy, harmful to a child, or that infringes any intellectual property right

Breach of this section entitles us to suspend or terminate your access immediately and to report the matter to the appropriate authorities.

11. Intellectual property

The Kaapi Money name and marks, our AI assistants and their names, our logo, software, content, designs, and all associated intellectual property are owned by Profitse Technologies Private Limited or licensed to us.

You are granted a limited, personal, non-exclusive, non-transferable, revocable licence to use the Platform for your own personal purposes. Nothing in these Terms transfers any ownership to you.

If you send us feedback or suggestions, you grant us an unrestricted right to use them without any obligation to you.

12. Third-party products and links

Loans, credit cards, and other products offered through the Platform are provided by third-party lenders. If you choose to apply for those products, the lender’s own terms and privacy policy govern that relationship in addition to these Terms. We are not responsible for their products, their decisions, or their content.

The Platform may contain links to third-party websites. We do not control them and are not responsible for their content, accuracy, or availability.

13. Availability of the Platform

We will use reasonable efforts to keep the Platform available, but we do not warrant uninterrupted or error-free operation. We may suspend access for maintenance or upgrades, or for reasons beyond our control including bureau or lender downtime, network failure, or force majeure events such as natural disaster, strike, war, epidemic, or governmental action.

We may add, modify, or discontinue features at any time. If we discontinue the Platform entirely, we will give reasonable notice and allow you to export your data.

14. Disclaimer and limitation of liability

The Platform is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, to the maximum extent permitted by law.

We are not liable for:

• Any decision made by a lender, or any loan, terms, or dispute arising between you and a lender
• Any change in, or failure to change, your credit score
• Any inaccuracy in credit information supplied by a credit information company
• Losses arising from information you provided that was incorrect or incomplete
• Acts of persons fraudulently impersonating Kaapi Money, though we will assist you in reporting them
• Any indirect, incidental, special, punitive, or consequential loss, including loss of profit, opportunity, goodwill, or data

Our aggregate liability to you in respect of any claim, on any basis, is limited to the total amount actually paid by you to us in the twelve months preceding the claim, or ₹1,000, whichever is higher.

Nothing in this section excludes liability that cannot be excluded under Indian law, including liability for fraud or wilful misconduct.

15. Indemnity

You agree to indemnify and hold harmless Profitse Technologies Private Limited, its directors, officers, employees, and partners against any claim, demand, loss, damage, cost, or expense, including reasonable legal fees, arising out of your breach of these Terms, your misuse of the Platform, your violation of any law, or your infringement of any third party’s rights.

16. Suspension and termination

By you. You may stop using the Platform at any time and request account deletion from within the app or by writing to support@kaapi.money. Deletion is processed as described in our Privacy Policy.

By us. We may suspend or terminate your access, with notice where practicable, if you breach these Terms, if we suspect fraud or unlawful activity, if required by law or a regulator, or if we discontinue the Platform.

Termination does not affect your obligations to any lender, which continue under your agreement with that lender. Sections 11, 14, 15, and 18 survive termination.

17. Grievances

Our grievance process, including turnaround times and the full escalation path, is set out in our Grievance Redressal Policy at https://www.kaapi.money/grievance.html.

Both at: Profitse Technologies Private Limited, No. 472/7, Balaji Arcade, 2nd & 3rd Floor, A.V.S Compound, Koramangala VI Block, Bengaluru South, Bengaluru 560095, Karnataka. Lines are open Monday to Saturday, 10:00 AM to 7:00 PM IST.

18. Governing law and dispute resolution

These Terms are governed by and construed in accordance with the laws of India.

Before commencing any proceedings, the parties will attempt in good faith to resolve the dispute through the grievance process in Section 17 for a period of at least 30 days.

Any dispute not so resolved will be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration will be Bengaluru, Karnataka, and the proceedings will be conducted in English.

Subject to the above, the courts at Bengaluru, Karnataka have exclusive jurisdiction.

Nothing in this section limits your right to approach a consumer forum under the Consumer Protection Act, 2019, or to escalate to the Reserve Bank of India where that route is available to you.

19. General

Entire agreement. These Terms, together with the Privacy Policy and the Grievance Redressal Policy, constitute the entire agreement between you and us in respect of the Platform.

Severability. If any provision is held unenforceable, the remaining provisions continue in full force.

No waiver. Our failure to enforce any right does not constitute a waiver of that right.

Assignment. You may not assign your rights under these Terms. We may assign ours to a group company or a successor upon notice to you.

Amendment. We may amend these Terms from time to time. For material changes we will notify you in the app or by email at least 7 days before they take effect. Continued use of the Platform after that constitutes acceptance.

Language. These Terms are executed in English. Translations are provided for convenience, and the English version prevails in the event of any conflict.

These Terms of Use were last updated on: 18 August 2026

Profitse Technologies Private Limited · CIN: U62013KA2026PTC223716 · No. 472/7, Balaji Arcade, 2nd & 3rd Floor, A.V.S Compound, Koramangala VI Block, Bengaluru South, Bengaluru 560095, Karnataka