Your Terms & Conditions

1. Acceptance of Terms

By accessing or using CreditMitra's website, mobile application, or services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. About CreditMitra

CreditMitra Technologies Pvt. Ltd. is a financial technology company that provides:

• Loan comparison and application services
• Credit card comparison and application assistance
• Insurance product comparisons
• Mutual fund investment platform
• Credit score monitoring services
• Financial calculators and tools

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. User Account and Registration

4.1 Account Creation

• You must create an account to access certain services
• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your login credentials secure and confidential

4.2 Account Security

• You are responsible for all activities under your account
• Notify us immediately of any unauthorized access
• Use strong passwords and enable two-factor authentication
• Do not share your account with others

5. Use of Services

5.1 Permitted Use

• Use services for legitimate financial needs
• Provide accurate information for applications
• Comply with all applicable laws and regulations
• Respect intellectual property rights

5.2 Prohibited Activities

• Providing false or misleading information
• Using services for illegal or fraudulent purposes
• Attempting to circumvent security measures
• Interfering with the operation of our services
• Violating any applicable laws or regulations

6. Financial Services

6.1 Loan Services

• We facilitate loan applications but do not provide loans directly
• Final approval depends on lender's criteria and policies
• Interest rates and terms are determined by the lender
• You are responsible for repayment to the lender

6.2 Credit Card Services

• We help compare and apply for credit cards
• Card approval is subject to bank's terms and conditions
• Annual fees and charges are set by the card issuer
• You must comply with the card issuer's terms

6.3 Investment Services

• Mutual fund investments are subject to market risks
• Past performance does not guarantee future returns
• You should read all scheme documents carefully
• Investment decisions are your sole responsibility

7. Fees and Charges

• Our basic services are free for users
• We may charge fees for premium services
• All fees will be clearly disclosed before charging
• Third-party charges may apply for certain services
• Refund policies vary by service type

8. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

9. Intellectual Property

• All content and materials are owned by CreditMitra or licensors
• You may not copy, modify, or distribute our content
• Trademarks and logos are protected intellectual property
• User-generated content remains your property but grants us usage rights

10. Disclaimers and Limitations

10.1 Service Availability

• Services are provided "as is" without warranties
• We do not guarantee uninterrupted service availability
• Maintenance and updates may cause temporary disruptions

10.2 Financial Advice

• We provide information, not personalized financial advice
• Consult qualified professionals for specific financial guidance
• Investment decisions are made at your own risk

11. Liability Limitations

To the maximum extent permitted by law, CreditMitra shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount paid by you for our services in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold CreditMitra harmless from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

13. Termination

• You may terminate your account at any time
• We may suspend or terminate accounts for violations
• Termination does not affect existing obligations
• Certain provisions survive termination

14. Dispute Resolution

• Disputes will be resolved through arbitration in Mumbai
• Indian law governs these terms and conditions
• Courts in Mumbai have exclusive jurisdiction
• Mediation will be attempted before arbitration

15. Changes to Terms

We may update these terms from time to time. We will notify you of material changes through our app, email, or website. Continued use of our services after changes constitutes acceptance of the new terms.

16. Contact Information

For questions about these Terms and Conditions, please contact us: