The information on this platform is for general informational purposes only. Stepway Online is an intermediary and not a lender, insurer, or bank. All financial products are offered by regulated third-party institutions.
1. General Disclaimer
Stepway Online Fintech India Private Limited ("Stepway Online") operates as a financial product distribution and aggregation platform. The content available on our website and application is provided for informational purposes only and does not constitute financial, legal, tax, or investment advice.
While we make every effort to ensure the accuracy and currency of the information presented, Stepway Online makes no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, or suitability of the information for any purpose.
2. Not a Financial Advisor
Stepway Online is not a registered investment advisor, financial planner, or insurance broker. Content on this platform — including product comparisons, eligibility indicators, EMI calculators, and interest rate displays — is for reference only.
- We strongly recommend consulting a qualified financial advisor before making any financial decision.
- Past performance of any financial product does not guarantee future results.
- Interest rates and product terms displayed are indicative and subject to change by the issuing institution without notice.
3. Third-Party Products & Services
All credit cards, loans, insurance policies, and banking services available on Stepway Online are products of third-party regulated financial institutions. Stepway Online:
- Does not guarantee approval of any application. Approval decisions are made solely by the respective bank, NBFC, or insurer based on their internal credit policies.
- Is not responsible for the terms, conditions, fees, or charges of products offered by partner institutions.
- Does not warrant that any product is suitable for your specific financial situation.
- Is not liable for any losses arising from products or services obtained through our platform.
4. Eligibility & Calculators
Eligibility checks, loan calculators, and pre-approval indicators on our platform are based on general criteria and are not definitive assessments. Actual eligibility is determined by the lending institution based on a full credit appraisal including CIBIL score, income verification, employment status, and other factors not visible to Stepway Online.
5. Agent Earnings Disclaimer
Any earning estimates, commission examples, or income projections shown on our platform for agents are based on average data and are illustrative only. Actual earnings will vary based on:
- Volume and quality of applications submitted.
- Product mix and partner commission structures in force at the time.
- Disbursal rates, application rejections, and clawback conditions.
Stepway Online does not guarantee any specific level of income to any agent.
6. External Links
Our platform may contain links to third-party websites, partner bank portals, or regulatory bodies. These links are provided for convenience only. Stepway Online has no control over the content or privacy practices of external sites and assumes no responsibility for them. Accessing external links is at your own risk.
7. Regulatory Compliance
Stepway Online operates in compliance with applicable Indian regulations including guidelines issued by the Reserve Bank of India (RBI), Insurance Regulatory and Development Authority of India (IRDAI), and other relevant authorities. However:
- Regulatory requirements may change, and there may be a lag between regulatory changes and corresponding updates to our platform.
- Users are advised to verify compliance requirements independently for their specific jurisdiction or use case.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Stepway Online, its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages — including loss of data, income, profit, or business — arising out of:
- Use of or inability to use our platform or services.
- Reliance on any information or content on the platform.
- Unauthorized access to or alteration of your account or data.
- Any other matter relating to our services.
9. Contact Us
Stepway Online Fintech India Private Limited
Email: [email protected]