Last updated: 29 August 2026
These Terms and Conditions govern your access to and use of the website www.rapidooloans.com and any loan-related service offered through it. By visiting this website, submitting an application, or otherwise using our services, you confirm that you have read and accepted these Terms. If you do not agree with them, please do not use this website.
Rapidoo Loans is a digital lending platform operating under RBI-regulated NBFC guidelines through Trivani Vinimay Private Limited, registered under RBI Registration No. B.05.05894.
The platform facilitates the application, assessment, disbursal and servicing of personal loans. The lender of record for any sanctioned loan is the NBFC named in your loan agreement. Your loan is governed by that agreement and the Key Fact Statement provided to you, which will prevail over these Terms in the event of any inconsistency relating to your specific loan.
To apply for a loan through this website you must be an Indian citizen resident in India, at least 21 years of age, and legally competent to enter into a binding contract. You must have a verifiable source of income and a bank account held in your own name.
Meeting these criteria makes you eligible to apply. It does not entitle you to a loan. Every application is subject to credit assessment, KYC verification and internal policy, and may be declined without a specific reason being provided.
You agree that all information and documents you submit are true, accurate, current and your own. Submitting false, forged or misleading information, or documents belonging to another person, may result in rejection of your application, recall of a sanctioned loan, reporting to credit bureaus and law enforcement, and permanent blocking of your access to the platform.
You are responsible for keeping your contact details, bank details and address current. We are not liable for consequences arising from communications or disbursals sent to details you supplied that are outdated or incorrect.
By submitting an application you authorise us and our NBFC partner to verify your identity and the information you have provided, to obtain your credit information report from credit information companies, and to share your loan performance data with those companies as required by law.
You also consent to being contacted by phone, SMS, email, WhatsApp or other electronic means in connection with your application, your loan account, repayment reminders and service updates. This consent applies even if your number is registered on the National Do Not Call registry, and is limited to service communications relating to your relationship with us.
The applicable interest rate, processing fee, documentation charges, penal charges, foreclosure terms and the Annual Percentage Rate for your loan will be disclosed to you in the Key Fact Statement and loan agreement before you accept the loan. You should read these documents in full before signing.
Any figures, EMI illustrations or calculator results shown on this website are indicative only. They are provided to help you estimate costs and do not constitute an offer, a sanction, or a commitment to lend on those terms.
You must repay your loan in the amounts and on the dates set out in your repayment schedule. Payments should be made only through the official channels published on our Repay Loan page or communicated to you directly by us. We are not responsible for funds transferred to any account or UPI identifier that we have not officially published.
Missing a payment may attract penal charges as disclosed in your loan agreement and will be reported to credit information companies, which can affect your credit score and your ability to borrow in future. If you anticipate difficulty in meeting a payment, contact us before the due date so we can discuss the options available to you. All recovery communication follows the RBI's Fair Practices Code.
You may use this website only for lawful purposes connected with your own loan requirements. You must not attempt to gain unauthorised access to any part of the platform, interfere with its operation, introduce malicious code, scrape or harvest data from it, reverse engineer it, or use it to impersonate any person.
We may suspend or withdraw access to the website, or to any individual account, without notice where we reasonably suspect misuse, fraud, or a breach of these Terms.
The Rapidoo Loans name, logo, page content, design, graphics and software on this website are owned by us or licensed to us and are protected by applicable intellectual property law. You may not copy, reproduce, republish, distribute or create derivative works from them without our prior written permission. Nothing on this website grants you any licence to use our brand.
This website may link to third-party websites or use third-party services for functions such as identity verification, payment processing and communication. We do not control those parties and are not responsible for their content, availability, or their handling of your information beyond what we have contracted for. Your use of a third-party service is subject to that party's own terms.
We never ask for your card PIN, internet banking password, OTP, or any payment in exchange for approving a loan. Any person or application demanding an advance fee, security deposit or OTP in our name is not acting for us. Verify our official contact details on the Contact page before sharing personal or financial information, and report suspected misuse of our name or logo to us immediately.
This website and its content are provided on an "as is" basis. While we take reasonable care to keep information accurate and the platform available, we do not warrant uninterrupted or error-free operation.
To the extent permitted by law, we are not liable for indirect, incidental or consequential losses arising from your use of this website, from delays or interruptions in service, or from reliance on indicative figures published here. Nothing in these Terms limits any liability that cannot be excluded under applicable law.
You agree to indemnify and hold harmless Rapidoo Loans, Trivani Vinimay Private Limited, and their respective directors, officers and employees against any claim, loss, cost or expense arising from information you have submitted that proves false, from your breach of these Terms, or from your unlawful use of this website.
We may revise these Terms from time to time to reflect changes in our services, our processes, or applicable regulation. The revised version takes effect when published on this page, and the "last updated" date above will change accordingly. Please review this page periodically. Continued use of the website after a revision constitutes acceptance of it.
These Terms are governed by the laws of India. Subject to the dispute resolution provisions of your loan agreement, the courts at Kolkata, West Bengal shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or your use of this website.
If anything in these Terms is unclear, or you wish to raise a complaint, please contact us. Complaints follow the escalation process set out on our Grievance Redressal page.