Terms of Use

Please review this Terms of Use Agreement


The BankVallet Group companies ("BankVallet"), includes LendingTree Financial Intermediaries Co and their respective website in India (https://bankvallet.com).

Third-party Provider, hereby referred to as "Providers", is the bank, financial institution, non banking finance companies (NBFC), insurer, underwriting party, loan provider, etc. that provides the products, services, and policies to customers.

"Users", or customers, are the end-users who use our websites

"Products" refers to the financial products displayed on BankVallet such as credit cards, personal loans, business loans, home loans, mortgage loans, OD loans, CAs loans, land loans, mutual funds, investment products, life insurances, health insurances, travel insurances, etc.

Method of access: Users access the above-mentioned website with their devices, such as desktops, laptops, tablets, mobile phones, etc.

The medium of transaction: For products that require users to hop off to the Providers' sites, BankVallet will act as a referrer site only, hence the transaction happens on Providers' sites is not in BankVallet's control. For products that require payment on BankVallet, users can pay using credit or debit cards. BankVallet can extend to use other payment methods as it deemed necessary.

Governing Law

Any relationship or contract between BankVallet and its users in India is governed by the prevailing Indian law.

Terms of use

As an individual who is a user of our website or otherwise as a user of the services provided by BankVallet, this Term of Use is intended to describe for you:

By accessing, browsing or using this website, and the websites of the below listed companies, divisions or service groups, or any page thereof, through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through these alternative methods).

If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.

BankVallet operates the Website and shall have the right at any time to change or discontinue any aspect or feature of the Website and the right to modify the terms and conditions applicable to users of the Website, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Website. Any use by you of the Website or the good, facilities or services offered in or through the Website shall be deemed to constitute acceptance of such changes.

The data and other information you may provide BankVallet is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. BankVallet does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, BankVallet does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. A Lender's offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

BankVallet is paid a fee by Lenders for the goods, facilities and services provided. Regardless of which lender you obtain your loan from, you will be responsible for paying for any settlement or closing costs associated with your loan (such as loan processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.).

BankVallet does not charge you a fee for its service in matching you with Lenders unless otherwise stated.

All effort is taken to derive the most accurate interest and payment calculations, however, the information is provided for estimation purposes only and should not be considered as 100% accurate. For more accurate details regarding the schemes, please speak to a BankVallet particular Loan Specialist.

We try to include the most comprehensive online database of personal, business, CAs, land, OD, mortgage and home loan packages, however, not all of the lenders packages may be included in BankVallet.

All copyrights are held by LendingTree Financial Intermediaries Co., any attempts to copy or reproduce any portion of this site (including information, styles, graphics, scripts) in part or in whole is protected by the copyright law. Anyone found in violation will be prosecuted to the fullest extent of the law.

All the price stated on BankVallet website (https://BankVallet.com) is in Indian Rupee (INR), unless otherwise stated.

Purchases directly on BankVallet

For certain products that have the payment to be hosted on BankVallet, users can pay directly to BankVallet to purchase the product. BankVallet will inform the Providers so that the Providers can fulfil the purchase, for example, Providers generate a travel insurance policy and send it to users’ email address. BankVallet reserves the right to have this payment step hosted either on BankVallet or Providers’ site and can change without prior notice.

Policy for cancellation/refund of purchases on BankVallet:

These below cases are applicable for purchases in which users paid for their products on BankVallet and not on Providers’ site.


In any case that there is a valid reason that leads to the need to cancel the Insurance policy, for example, Cancellation of travel plans before the coverage start date, or reducing tier of their plans (i.e. from Elite plan to basic plan), customer can follow these steps to rescind:

  1. Customer requests BankVallet for the cancellation of the purchase.
  2. BankVallet, upon further checking with the provider and at BankVallet’s discretion, decides whether the request is eligible for a refund.
  3. The Provider will advise BankVallet of a minimum amount of premium retained by the Provider as per purchase condition.
  4. If the request is eligible, BankVallet will proceed to refund the balance, which is the total original purchase minus the minimum amount of premium mentioned above.
  5. Customer will receive the balance via the same payment method that he or she used to purchase the product. Note that the actual amount received might be less, as some banks or credit card providers might charge a fee when a customer receives this refund.

In any case that there is a valid reason that needs a change in the policy generated, for example, wrong date of birth or postal code, or extends the end date of coverage, etc, customer can follow these steps to ask for an update in the policy:

  1. Customer contacts BankVallet and requests the detail change
  2. If the request contains an extra payment (for example, in the case of extending the end date of coverage), BankVallet will send a payment link with the payable amount to the customer's email.
  3. Customer pays the exact amount in the received link.
  4. Upon confirmation of payment received, BankVallet will liaise with the Provider to generate the new policy and the sends to the customer.

Now that we’re done with the formalities, thank you for using BankVallet.com and we hope you find it useful!