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Terms of Use

Effective date: 21 August 2026

These Terms of Use ("Terms") govern your access to and use of the website www.mannjal.com (the "Site"), operated by Mannjal Technologies Private Limited ("Mannjal", "we", "us", "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You may use the Site for lawful, informational and business purposes related to evaluating or engaging with Mannjal's products and services. You agree not to:

  • Use the Site in any way that violates applicable law or regulation.
  • Attempt to gain unauthorised access to the Site, its systems, or any related network.
  • Scrape, crawl, or systematically extract content from the Site at scale, other than through generally available search-engine indexing.
  • Introduce any virus, malware, or other harmful code, or otherwise attempt to disrupt or degrade the Site's operation.
  • Impersonate any person or entity, or misrepresent your affiliation with any person or entity, in your dealings with us through the Site.

2. Nature of Our Services

Mannjal provides technology infrastructure, workflow orchestration and managed services that support partnership-lending programs between lenders and originators. Mannjal:

  • Does not lend money, extend credit, or hold any position as a lender in any transaction.
  • Does not make credit decisions. Credit policy, underwriting, sanction and related decisions remain with the regulated lender in each program.
  • Is not a party to any loan, co-lending, business-correspondent, or other financing arrangement between our clients.

Nothing on this Site constitutes financial, legal, tax, investment, or credit advice, and should not be relied upon as such. Descriptions of products, workflows, metrics, and case studies on this Site are illustrative of Mannjal's platform and services generally and may not reflect the specific configuration, terms, or outcomes of any particular program.

3. Intellectual Property

All content on this Site — including text, graphics, logos, the Mannjal name and marks, product names, layouts, and underlying software — is owned by Mannjal Technologies Private Limited or its licensors and is protected under applicable Indian and international intellectual property law. Except as necessary to view and use the Site for its intended purpose, you may not copy, reproduce, republish, modify, distribute, or create derivative works from any content on this Site without our prior written permission.

4. Third-Party Links and Providers

The Site may reference or link to third-party services, integration partners, or external websites for your convenience — for example, providers we or our clients work with for KYC, bureau, or e-sign checks. We do not control, and are not responsible for, the content, accuracy, or practices of any third-party service or website. A reference or link does not imply our endorsement of that third party.

5. Disclaimers

The Site is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement, to the maximum extent permitted by applicable law.

Metrics, statistics, product depictions, and case studies presented on the Site are illustrative, are based on Mannjal's experience across its programs, and may change over time. They do not constitute a guarantee of results for any particular lender, originator, or program.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Mannjal Technologies Private Limited will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or in connection with your access to or use of, or inability to access or use, the Site, whether based on warranty, contract, tort, or any other legal theory, even if we have been advised of the possibility of such damages.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable Indian law.

7. Indemnity

You agree to indemnify and hold harmless Mannjal Technologies Private Limited, its officers, directors, employees and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your misuse of the Site, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

8. Governing Law and Jurisdiction

These Terms, and any dispute arising out of or in connection with them or your use of the Site, are governed by the laws of India. Subject to applicable law, the courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any such dispute.

9. Changes to These Terms

We may revise these Terms from time to time to reflect changes in our services, our practices, or applicable law. The "Effective date" at the top reflects the date of the most recent version. Your continued use of the Site after a revised version is posted constitutes your acceptance of the revised Terms. If you do not agree with a revision, you should discontinue use of the Site.

10. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court or authority of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain in full force and effect.

11. Contact Us

Mannjal Technologies Private Limited
CIN: U62013KA2023PTC171651
Registered office: Bubblespace Coworking, Level 3, 824, HRBR Layout, Block I Extension, Kalyan Nagar, Bengaluru, Karnataka - 560 043
Email: [email protected]
See also our Privacy Policy.

Mannjal

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Mannjal Technologies Pvt. Ltd. · CIN U62013KA2023PTC171651 · Registered office: Bubblespace Coworking, Level 3, 824, HRBR Layout, Block I Extension, Kalyan Nagar, Bengaluru, Karnataka - 560 043 · Grievance Officer: Vivekanandan Kalimuthu · [email protected]

Mannjal supports partnership-lending workflows aligned with applicable RBI guidance and client policies. Personal data is handled with DPDP-aware controls where applicable. Mannjal provides technology infrastructure; it does not make credit decisions or lend on its own account.

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