Terms of Use

Last updated: October 10, 2026. This page applies to the Nio Capital Loans section of the website.

1. About this website

This website is operated by Nio Capital, operating with SMS Informatics Limited. By using it, you agree to these terms. If you do not agree, please do not use the website.

2. Information only — not an offer

Content on this website is general information to help you understand insurance and loan products. It is not financial, legal, tax or investment advice, and it is not an offer or a promise of insurance cover or credit. Product features differ between providers and change over time.

3. We are not an insurer or a lender

Insurance policies are issued by insurance companies, and loans are provided by banks and NBFCs. They alone decide eligibility, coverage, premiums, interest rates, fees, approval, disbursement and claims. We do not guarantee any outcome. See our Insurance Disclaimer and Loan Disclaimer.

EDIT: If Nio Capital or SMS Informatics Limited holds any registration (for example as an insurance intermediary or as an agent/DSA of a lender), add the accurate registration details here. Do not add any registration that has not been verified.

4. Your responsibilities

• Provide accurate and truthful information in our forms.
• Submit information only about yourself, or with the permission of the person concerned.
• Do not misuse the website — for example by sending spam, attempting unauthorised access, or interfering with its operation.
• Never share OTPs, PINs, passwords or banking credentials with anyone, including people claiming to represent us.

5. Fees

Any fee for our services will be explained to you clearly before you agree to proceed. Be cautious of anyone who demands an upfront payment in exchange for "guaranteed" loan approval.

EDIT: Describe your actual fee / commission model here if applicable.

6. Third-party links

Links to third-party websites and services (such as WhatsApp) are provided for convenience. We are not responsible for their content or practices.

7. Intellectual property

The Nio Capital name, logo and website content belong to their respective owners and may not be copied without permission.

8. Limitation of liability

To the extent permitted by law, we are not liable for decisions you make based on general website content, or for decisions made by insurers and lenders. Nothing in these terms limits liability that cannot be limited under law.

9. Governing law

These terms are governed by the laws of India. Courts in Bengaluru, Karnataka will have jurisdiction, subject to applicable law.

10. Contact

Questions about these terms: support@niocapital.in · +91 73532 34451 · #8, 1st Cross, Lingappa Layout, Abbigere, Chikkabanawara Post, Bengaluru, Karnataka – 560090.