Terms of Service

1. Acceptance of Terms

By accessing or using the CredSuvidha website (www.credsuvidha.com) and our services, you agree to be bound by these Terms of Service. If you do not agree, please do not use our website or services.

2. About CredSuvidha

CredSuvidha operates as a financial product facilitator/distributor. We are not a bank, NBFC, or insurance company. Our role is limited to:

• Providing information about financial products from various banks and institutions
• Assisting customers in comparing and selecting suitable financial products
• Facilitating the application process by connecting customers with banking partners
• Providing tools such as EMI calculators for informational purposes

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Provide accurate and truthful information
• Have the legal capacity to enter into binding contracts

4. Services Offered

CredSuvidha facilitates the following financial products:

5. User Obligations

When using our services, you agree to:

• Provide accurate, complete, and current information
• Not misrepresent your identity or eligibility
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorized access to any part of the website
• Not transmit viruses, malware, or other harmful code
• Not scrape, crawl, or use automated means to access the website without permission

6. No Financial Advice

The information provided on this website, including EMI calculations, interest rate comparisons, and product descriptions, is for general informational purposes only. It does not constitute:

• Financial advice or recommendation
• Investment advice
• Tax advice
• Legal advice

You should consult qualified professionals before making financial decisions. Interest rates, loan eligibility, and product features displayed are indicative and may vary based on your profile and the lending institution's policies.

7. Intellectual Property

All content on this website — including text, graphics, logos, icons, images, design elements, and software — is the property of CredSuvidha or its content suppliers and is protected by Indian intellectual property laws. You may not:

• Copy, reproduce, or distribute any content without written permission
• Use our branding, logos, or trademarks without authorization
• Modify or create derivative works from our content

8. Third-Party Links & Services

Our website may contain links to third-party websites (banking partners, insurance companies, etc.). We are not responsible for:

• The content, accuracy, or policies of third-party websites
• Any transactions between you and third-party service providers
• Any loss or damage arising from your use of third-party services

9. Limitation of Liability

To the maximum extent permitted by law:

• CredSuvidha shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our website or services
• We do not guarantee uninterrupted, error-free, or secure access to the website
• We are not liable for any loss arising from loan rejection, delayed processing, or discrepancies in information provided by banking partners
• Our total liability shall not exceed the fees (if any) paid by you for using our services

10. Indemnification

You agree to indemnify and hold CredSuvidha, its directors, employees, and partners harmless from any claims, damages, losses, or expenses (including legal fees) arising from your use of the website, violation of these terms, or infringement of any third-party rights.

11. Service Fees

CredSuvidha does not charge end customers for using its website or basic facilitation services. We earn referral commissions from our banking and insurance partners. In cases where any fee is applicable for premium services, it will be clearly communicated before you avail the service.

12. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Your continued use of the website after changes constitutes acceptance of the revised terms.

13. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Pune, Maharashtra, India.

14. Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, if you violate these Terms or engage in conduct harmful to CredSuvidha, its partners, or other users.

15. Contact Us