Terms & Conditions

Agreement to Terms

By accessing and using ZESTMONY's website and information services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our platform.

1. Nature of Our Platform

ZESTMONY is an Information and Referral Website Only:

• We DO NOT provide loans: ZESTMONY does not offer, process, or approve any personal loans, business loans, home loans, auto loans, or any other type of credit facility
• We DO NOT issue credit cards: We have no authority or license to issue credit cards or any financial products
• We DO NOT provide financial services: We are not a bank, NBFC (Non-Banking Financial Company), or licensed financial institution
• We ONLY refer and inform: Our sole purpose is to provide information, news, blogs, articles, and referrals to third-party financial service providers
• No authority or rights: ZESTMONY has no rights, authority, or license to provide any financial services whatsoever

2. What We Do

ZESTMONY operates exclusively as an informational platform that:

• Publishes blogs, articles, and news about financial products and services
• Provides educational content about loans, credit cards, and financial planning
• Refers users to licensed third-party banks and financial institutions
• Shares information about various financial products available in the market
• Offers comparison tools and guides to help users make informed decisions
• Acts solely as an information aggregator and referral platform

3. Third-Party Referrals

All Financial Services Are Provided by Third Parties:

• When you click on loan or credit card links, you are redirected to licensed third-party providers
• ZESTMONY has no control over third-party approval processes, terms, or conditions
• We are not responsible for any decisions, actions, or services provided by third-party institutions
• All applications, approvals, disbursements, and servicing are handled entirely by third parties
• ZESTMONY does not collect, process, or handle any application fees or payments
• We do not guarantee approval or acceptance of any application by third parties

4. No Fees Charged by ZESTMONY

Our platform is free to use:

• ZESTMONY does not charge any fees for accessing information or using our referral services
• We do not collect any application fees, processing fees, or service charges
• Any fees mentioned on our website relate to third-party services, not ZESTMONY
• If any third party charges fees, those are entirely between you and that institution
• We earn revenue through affiliate commissions from third-party providers, not from users

5. User Eligibility

To use our informational platform, you must:

• Be at least 18 years of age
• Use the information responsibly and for lawful purposes only
• Understand that ZESTMONY provides information only and does not provide financial services
• Accept that any financial application you make will be with third-party providers
• Verify all information independently before making any financial decisions

6. Intellectual Property

All content on our website and services is protected by intellectual property rights:

• Logo, trademarks, and brand materials are our property
• Website content, design, and software are copyrighted
• You may not copy, reproduce, or distribute our materials
• Unauthorized use may result in legal action

7. No Liability for Third-Party Services

ZESTMONY is not liable for third-party actions:

• We are not responsible for loan approvals, rejections, or terms offered by third parties
• We do not guarantee the accuracy of third-party interest rates, fees, or conditions
• ZESTMONY is not liable for any disputes between you and third-party financial institutions
• We do not endorse or guarantee any specific third-party provider
• All transactions are solely between you and the third-party provider

8. User Conduct

You agree not to:

• Provide false or misleading information on our platform
• Use our platform for illegal or fraudulent activities
• Attempt to hack or compromise our systems
• Interfere with other users' access to our information
• Violate any applicable laws or regulations
• Misrepresent ZESTMONY as a financial service provider

9. Limitation of Liability

To the fullest extent permitted by law:

• ZESTMONY is not liable for any decisions you make based on information provided
• We are not responsible for financial losses resulting from third-party services
• We do not guarantee the accuracy or completeness of all information on our platform
• We are not liable for indirect, incidental, or consequential damages
• We do not guarantee continuous, uninterrupted website access
• We are not responsible for third-party websites, services, or actions
• Since we charge no fees, our liability is limited to informational accuracy efforts only

10. Indemnification

You agree to indemnify and hold ZESTMONY harmless from any claims, damages, or expenses arising from:

• Your use of our informational platform
• Your interactions with third-party financial service providers
• Any violation of these terms and conditions
• Any misuse of the information provided on our platform

11. Dispute Resolution

Any disputes shall be resolved through:

• Good faith negotiation between parties
• Binding arbitration if negotiation fails
• Governing law of the jurisdiction where we operate

12. Modifications

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website. Continued use constitutes acceptance of modified terms.

13. Termination

We may restrict or suspend your access to our platform:

• For violation of these terms
• For fraudulent or illegal activity
• For misuse of our informational services
• At our discretion with or without notice

14. Regulatory Compliance

Important Regulatory Notice:

• ZESTMONY is NOT registered, licensed, or authorized as a financial institution
• We do not hold any banking, NBFC, or financial services license
• We are not regulated by any financial regulatory authority for providing loans or credit
• Our platform operates solely as an information and media website
• All referred third-party institutions are independently licensed and regulated

15. Contact Information

For questions about these Terms and Conditions:

• Email: legal@zestmony.com
• Phone: 1-800-ZESTMONY
• Address: 123 Financial District, New York, NY 10004