Terms of Service

These Terms of Service ("Terms") govern your access to and use of BankTalky (the "Service"), operated by TalkyTools (BankTalky) ("we", "us"). By using the Service you agree to be bound by these Terms. If you don't agree, please stop using the Service.

1. What BankTalky is

BankTalky is an independent information & comparison platform for Indian financial products — personal loans, credit cards, health/car/term insurance, savings accounts, and calculators. We do not lend money, issue cards, or sell insurance ourselves. All products are offered by RBI- and IRDAI-regulated partners.

2. Eligibility

You must be at least 18 years old to apply for any financial product via partners linked from BankTalky. The Service itself is free to browse.

3. Acceptable use

• Don't violate any law or third-party right.
• Don't reverse engineer, scrape at scale, or abuse the Service.
• Don't upload malware, spam, or illegal content.
• Don't impersonate others or misrepresent partner offers.

4. Affiliate compensation

BankTalky is free for users. We earn a commission from partner banks/insurers when you apply for and successfully receive a product via our referral link. Our comparison rankings are based on independent analysis of interest rates, fees, claim ratios, and feature value — commissions do NOT influence ranking. Sponsored top-of-page placement, when used, is clearly labelled "Sponsored".

5. Accuracy & informational use only

Interest rates, fees, premiums, claim ratios, and other product details are sourced from partners' published information and reviewed monthly. They may change at the partner's discretion at any time. Always verify final terms on the partner's own website or KFD (Key Features Document) before applying.BankTalky is not responsible for typographical errors, partner mis-disclosures, or outdated entries between review cycles.

6. Not financial advice

Content on BankTalky — including comparisons, recommendations, calculators, FAQs, and guides — is for general information only. It is NOT personalised financial, legal, tax, or insurance advice. Your specific situation may differ. For decisions involving large sums or complex circumstances, consult a SEBI-registered investment advisor, IRDAI-licensed insurance agent, or qualified CA.

7. Application flow

When you click "Apply" for any product, you leave BankTalky and land on the partner's portal. The partner alone handles your KYC, credit assessment, policy issuance, and post-application servicing. BankTalky has no involvement in that process and cannot resolve product-specific complaints — please contact the partner directly or escalate via the appropriate regulator (RBI Banking Ombudsman, IRDAI Grievance Redressal, etc.).

8. Intellectual property

The Service, including its code, design, written content, and curated data, is owned by TalkyTools (BankTalky) and protected by copyright. Brand names, logos, and product names of partners belong to their respective owners and are used here for identification purposes only.

9. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind. We don't guarantee uptime, error-free operation, or fitness for any specific purpose.

10. Limitation of liability

To the maximum extent permitted by law, TalkyTools (BankTalky)'s total cumulative liability for any claim arising out of or related to the Service is limited to ₹100. We are not responsible for indirect, incidental, consequential, special, or punitive damages — including any losses arising from financial decisions you take based on information shown on BankTalky.

11. Governing law

These Terms are governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka, India.

12. Changes

We may update these Terms periodically. Material changes will be communicated via a prominent in-site notice 30 days in advance. Continued use after changes take effect means acceptance of the updated Terms.

13. Contact

Email support@banktalky.talkytools.com for any questions about these Terms.