Terms Of Use
AI Labs Platform – L&T Finance Ltd.
Effective Date: 05-01-2026
1. INTRODUCTION
This website (“AI Labs Platform” or “Website”) is owned and operated by L&T Finance Ltd., a company incorporated under the Companies Act, 1956/2013 and having its registered office in India (“L&T Finance”, “Company”, “we”, “us”, or “our”).
The AI Labs Platform is an innovation and technology microsite showcasing artificial intelligence–based concepts, experiments, tools, demonstrations, and exploratory use cases. The AI Labs Platform is separate and distinct from the Company’s primary website located at www.ltfinance.com (“Main Website”).
By accessing, browsing, or using this Website, you (“User”, “you”, or “your”) agree to be bound by these Terms of Use (“Terms”). If you do not agree with these Terms, you must not access or use this Website.
2. RELATIONSHIP WITH MAIN WEBSITE AND FINANCIAL SERVICES
The AI Labs Platform does not offer, originate, underwrite, approve, or conclude any loan, credit facility, or financial product.
Any retail loans or financial services offered by L&T Finance are made available exclusively through the Main Website (www.ltfinance.com) or other authorised channels and are governed by:
- the Main Website’s terms of use;
- applicable privacy notices;
- loan-specific agreements; and
- regulatory disclosures issued by L&T Finance.
Nothing on this Website shall be construed as creating a lender-borrower, customer, or contractual relationship between you and L&T Finance.
In the event of any inconsistency between these Terms and the terms applicable to the Main Website or any financial product, the latter shall prevail.
3. NO OFFER, NO ADVICE, NO SOLICITATION
The content on this Website is provided solely for informational, demonstrative, research, and exploratory purposes.
Nothing on this Website constitutes:
- an offer, invitation, or solicitation to apply for any loan or financial product;
- financial, credit, investment, legal, or tax advice; or
- a representation, assurance, or guarantee regarding loan eligibility, approval, pricing, or terms.
Users are advised not to rely on any information or outputs from this Website for making financial or credit-related decisions.
4. AI FEATURES AND OUTPUTS
The AI Labs Platform may include access to artificial intelligence–based tools, models, automated systems, or experimental features (“AI Features”).
You acknowledge and agree that:
- AI Features are experimental in nature and provided on an “as is” basis;
- outputs generated by AI Features may be inaccurate, incomplete, outdated, or biased;
- AI outputs do not reflect L&T Finance’s official policies, underwriting criteria, or decision-making processes; and
- AI outputs are not a substitute for professional judgement or human review.
You agree not to rely on AI-generated outputs for financial decisions, loan applications, compliance assessments, or legal obligations.
5. INTELLECTUAL PROPERTY RIGHTS
The AI Labs Platform and all content made available on or through it, including but not limited to text, graphics, designs, software, source code, algorithms, models, workflows, documentation, and user interfaces (“Content”), are the exclusive property of L&T Finance or its licensors and are protected under applicable intellectual property laws.
No right, title, or interest in any intellectual property is transferred to you by virtue of your use of this Website.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website solely for lawful, non-commercial purposes and in accordance with these Terms.
You shall not copy, reproduce, modify, distribute, reverse engineer, decompile, scrape, commercially exploit, or create derivative works from any part of the Website or Content without prior written consent of L&T Finance.
6. ACCEPTABLE USE
You agree that you shall not:
- use the Website for any unlawful, fraudulent, or misleading purpose;
- interfere with or disrupt the security, integrity, or performance of the Website;
- attempt to gain unauthorised access to any systems or networks connected to the Website;
- misuse or manipulate AI Features or outputs; or
- infringe the intellectual property or other rights of L&T Finance or any third party.
7. DISCLAIMER OF WARRANTIES
The Website, Content, and AI Features are provided on an “AS IS” and “AS AVAILABLE” basis.
L&T Finance makes no representations or warranties, express or implied, including warranties of accuracy, completeness, reliability, fitness for a particular purpose, non-infringement, or uninterrupted availability.
L&T Finance does not warrant that the Website will be error-free, secure, or free from harmful components.
8. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, L&T Finance shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with:
- use of or inability to use the Website;
- reliance on any information or AI-generated output;
- interruption, suspension, or discontinuation of the AI Labs Platform; or
- any errors or omissions in the Content.
Your sole remedy for dissatisfaction with the Website is to discontinue its use.
9. INDEMNITY
You agree to indemnify and hold harmless L&T Finance, its directors, officers, employees, and agents from and against any claims, losses, liabilities, damages, or expenses arising out of or related to your breach of these Terms or misuse of the Website.
10. MODIFICATION AND TERMINATION
L&T Finance reserves the right to modify these Terms at any time. Updated Terms shall be effective upon posting on the Website.
b. L&T Finance may suspend or discontinue the Website or any part thereof at its discretion without prior notice.
11. GOVERNING LAW AND JURISDICTION
These Terms shall be governed by and construed in accordance with the laws of India. The courts at Mumbai, Maharashtra shall have exclusive jurisdiction over any disputes arising out of or relating to these Terms or the Website.
12. CONTACT DETAILS
For any queries relating to these Terms, please contact:
L&T Finance Ltd.
Website: www.ltfinance.com
Grievance Officer
Mr. Vinod Varadan
Grievance Redressal Officer
L&T Finance Limited (formerly known as L&T Finance Holdings Limited)
Address:
7th Floor, “Brindavan Building”, Plot No. 177
C.S.T Road, Kalina, Santacruz (East)
Mumbai – 400 098
Phone: 1800 1020 476
Email: gro@ltfs.com
