Terms & Conditions

RightBank AI is an independent online fintech platform operated by RBAI Fintech Technologies Private Limited, a company incorporated under the Companies Act, 2013, with its registered office in Bangalore, Karnataka, India.

RightBank AI provides an AI-powered product comparison, advisory, and referral platform that helps users discover, compare, and request assistance for financial products offered by licensed banks and financial institutions. We act as an information intermediary and facilitator — not as a lender, bank, or financial advisor.

By accessing or using RightBank AI's website, mobile application, or any associated services, you confirm that:

• You are at least 18 years of age.
• You are a resident of India or an NRI with a valid Indian financial connection.
• You have read, understood, and agree to be bound by these Terms and our Privacy Policy.
• You understand that our platform does not replace professional financial advice.

RightBank AI provides the following services:

• Product Comparison: AI-assisted comparison of banking products including savings accounts, fixed deposits, loans, and credit cards.
• Information & Education: General information about financial products, interest rates, fees, and eligibility criteria for educational purposes only.
• AI Advisory: AI-generated product guidance based on user-provided profile data. These are informational suggestions, not regulated financial advice.
• Referral Facilitation: When you choose to apply or request assistance, RightBank AI may connect you with the applicable referral or intermediary channel for the product you have selected.

RightBank AI does not itself sanction, approve, disburse, or service any loan or financial product.

RightBank AI currently works with Andromeda as a DSA/referral intermediary for applicable financial-product leads. Where you request assistance, the information necessary to process your request may be shared with Andromeda and, through its applicable process, with the relevant bank, NBFC, or financial institution.

Important:

• Displaying a bank's product does not mean RightBank AI has a direct partnership with that bank.
• RightBank AI does not directly process, approve, or sanction your loan or application.
• RightBank AI does not guarantee approval, interest rates, eligibility, or any specific outcome.
• The final eligibility, pricing, approval, documentation, and terms are determined solely by the relevant financial institution.
• Submitting a request through RightBank AI does not constitute a loan or product sanction.

RightBank AI's current Apply flow does not request you to upload Aadhaar, PAN, bank statements, salary slips, ITR, property documents, identity documents, KYC documents, bank login credentials, card credentials, or biometric information.

If you choose to proceed with a bank, NBFC, or other financial provider, that provider may separately require KYC, documents, or additional information as part of its own application, verification, and underwriting process.

Product information, interest rates, fees, eligibility criteria, and comparisons displayed on RightBank AI are sourced from publicly available information and official bank documents. Rates, fees, eligibility, limits, benefits, and other terms may change at any time.

Always verify the final terms directly with the relevant bank, NBFC, or financial institution before applying. For loan products, approval, pricing, and final terms are determined by the relevant lender based on its policies and your profile.

RightBank AI may receive commercial consideration from applicable referral or intermediary arrangements when a customer proceeds through a referred service. Such commercial arrangements do not determine the Product Quality Score, Fit Score, or product recommendation. Our recommendations are generated independently of any commercial relationship.

By using this platform, you agree to:

• Provide accurate, complete, and truthful information in all forms and requests.
• Not impersonate any person or entity or misrepresent your identity or financial status.
• Not use the platform for any unlawful, fraudulent, or abusive purpose.
• Not scrape, copy, or reproduce platform content without written permission.
• Not attempt to reverse-engineer, hack, or interfere with the platform's technology.

All content on RightBank AI — including but not limited to text, design, logos, AI models, algorithms, and product data — is the intellectual property of RBAI Fintech Technologies Private Limited or its licensors, protected under applicable Indian and international copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without prior written consent.

To the maximum extent permitted by applicable law, RBAI Fintech Technologies Private Limited shall not be liable for:

• Any financial loss, loan rejection, or adverse credit outcome arising from use of this platform.
• Inaccuracies in product information sourced from third-party banks or public sources.
• Actions, decisions, or representations made by referral intermediaries, banks, or advisors.
• Any indirect, incidental, consequential, or punitive damages.

These Terms are governed by the laws of India. Any dispute arising from these Terms or the use of the platform shall be subject to the exclusive jurisdiction of courts in Bangalore, Karnataka, India.

Parties agree to attempt good-faith resolution before initiating legal proceedings. You may write to us at support@rightbankai.com for any grievances.

RBAI Fintech Technologies Private Limited reserves the right to modify these Terms at any time. Continued use of the platform after changes constitutes acceptance of the revised Terms. We will notify users of material changes via the app or registered email.