Terms of Use

Acceptance

By using this site you accept these terms. If you do not agree, please do not use the site.

Who runs the site

StudyLoanReality is run by Abdul Kadir as an individual in New Delhi, India. Contact: hello@studyloanreality.com. The site is not a company, bank, NBFC or registered adviser.

Who may use this site

The site is meant for adults. Parents and guardians may use it to plan for students.

What the site is

StudyLoanReality provides information and calculation tools about study abroad education loans. It includes the calculator, country cost view, Universities & Courses page, blog and loan guide.

No advice

Nothing on this site is financial, legal, tax or investment advice. For advice on your situation, speak to a qualified professional.

No lender or agent relationship

We are not a bank, NBFC, loan agent or DSA. Using this site does not create any relationship between you and any lender, or between you and us beyond these terms.

Estimates

All figures are estimates based on the assumptions described on the Methodology page. Actual offers, rates, fees and costs may differ.

Your responsibilities

• Verify every important number with your lender before deciding.
• Do not misuse the site.
• Do not scrape the site at scale or attempt to disrupt it.

Intellectual property

The content, design and calculator on this site belong to the site owner. You may use them for personal, non-commercial purposes. You may not copy them at scale without written permission.

You may quote short extracts with a link back to the page. Data, names and logos from other sources belong to their owners.

Third-party content and sources

Figures, rankings and trends come from sources named on the page. We are not responsible for their accuracy. Information may be out of date. Confirm it on official sites.

Feedback you send us

If you email feedback, you allow us to use it to improve the site. We will not publish your name or email without asking you. Please do not send passport, Aadhaar, bank or loan details.

Third-party links

We may link to other websites. We are not responsible for their content or practices.

Availability

The site is provided as is and as available. We may change or stop any feature at any time.

Termination or blocking

We may block access to anyone who misuses or tries to disrupt the site.

Disclaimer of warranties

To the extent permitted by law, we make no warranties about the site, including that it will be accurate, complete, available or suitable for your purpose.

Limitation of liability

To the extent permitted by law, we are not liable for decisions you make based on this site, for loan outcomes, for the actions of any lender, or for any indirect or consequential loss. Nothing in these terms excludes liability that cannot be excluded under law. Where the law does not allow a limit, the limit applies only as far as the law permits. Your rights under consumer law in India that cannot be waived stay in place.

Indemnity

You are responsible for your misuse of the site, and you agree to indemnify us against claims arising from that misuse.

Changes to these terms

We may update these terms. The date at the top of this page shows when they were last updated.

Continuing to use the site after a change means you accept the updated terms.

Governing law and jurisdiction

These terms are governed by the laws of India. If you have a problem, please write to us first and give us 30 days to try to resolve it. If it is not resolved, courts at New Delhi have jurisdiction, subject to any rights you have under law to approach another forum.

Severability

If any part of these terms is found unenforceable, the rest continues to apply.

Contact

Questions about these terms: email hello@studyloanreality.com.