Terms & Conditions

1 Acceptance of Terms

By using this website, you confirm that:

• You are at least 18 years of age
• You are legally capable of entering into a binding agreement
• You are using the website for lawful purposes only
• The information submitted by you is accurate and complete to the best of your knowledge

2 Scope of Services

KreditSeva provides assistance in:

• Understanding loan products
• Identifying suitable lending options
• Connecting customers with lending partners
• Assisting in application submission
• Coordinating with lenders during the application process
• Providing general information related to financial products

KreditSeva does not make lending decisions, approve loans, determine interest rates, or control the underwriting policies of any lender.

3 No Guarantee of Loan Approval

Submission of an inquiry or application through KreditSeva does not guarantee loan approval, disbursement, specific loan amount, interest rate, loan tenure, or processing timelines. All decisions regarding eligibility, approval, sanctions, pricing, and disbursement remain solely at the discretion of the respective lender.

4 Free Service Declaration

KreditSeva does not charge customers any registration, consultation, processing, facilitation, advisory, or service fee for loan assistance. Customers are not required to make any payment to KreditSeva for submitting inquiries, checking eligibility, or applying through the platform.

Any charges, fees, taxes, insurance premiums, foreclosure charges, or processing fees applicable to a loan product are determined and collected solely by the respective lender. Customers are advised to verify all charges directly with the lender before accepting any financial product.

5 User Responsibilities

While using KreditSeva, you agree to:

• Provide accurate and updated information
• Submit genuine documents and information
• Cooperate with verification processes initiated by lenders
• Use the website in compliance with applicable laws
• Avoid submitting misleading, false, fraudulent, or incomplete information

Any misuse of the platform may result in suspension or restriction of access.

6 Third-Party Lenders & Financial Institutions

KreditSeva partners with multiple Banks, NBFCs, Fintech Lenders, and financial institutions. Loan products on the platform are offered by independent third parties. KreditSeva does not control lender policies, influence credit decisions, guarantee lender offers, or take responsibility for changes in lender terms or delays caused by lenders.

Users are encouraged to independently review all lender documentation, sanction letters, and loan agreements before accepting any offer.

7 Intellectual Property Rights

All content on this website — including brand name, logo, design elements, graphics, images, text, and software — is the exclusive property of KreditSeva or its licensors and is protected under applicable intellectual property laws. No content may be copied, reproduced, distributed, or commercially exploited without prior written consent.

8 Prohibited Activities

Users shall not:

• Attempt unauthorized access to the website or systems
• Introduce malware, viruses, or malicious code
• Use automated tools to scrape data
• Misrepresent identity or personal information
• Interfere with website functionality
• Use the platform for unlawful activities

KreditSeva reserves the right to take appropriate legal action against violations.

9 Website Availability

While KreditSeva strives to maintain uninterrupted service, we do not guarantee that the website will always be available, error-free, secure, or free from technical interruptions. We reserve the right to modify, suspend, or discontinue any part of the website without prior notice.

10 Limitation of Liability

To the maximum extent permitted under applicable law, KreditSeva shall not be liable for loan rejection, delays in processing or disbursement, changes in lender policies, financial losses arising from lender decisions, business losses, indirect or consequential damages, temporary website unavailability, or technical errors beyond reasonable control.

Users acknowledge that all financial product decisions are made exclusively by the respective lending institution.

11 Indemnity

You agree to indemnify and hold harmless KreditSeva, its founders, directors, employees, agents, affiliates, and partners from any claims, damages, liabilities, costs, or expenses arising from violation of these Terms, misuse of the website, submission of inaccurate information, or violation of applicable laws or regulations.

12 Amendments

KreditSeva reserves the right to modify, revise, or update these Terms & Conditions at any time. Changes shall become effective immediately upon publication on the website. Continued use of the website constitutes acceptance of the revised Terms.

13 Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the competent courts located in Gurugram, Haryana, India.

14 Contact Information

For any questions, concerns, or support requests regarding these Terms & Conditions, please contact: