Last Updated: 7 June 2025
These Terms of Use ("Terms") govern access to and use of the website www.kreditscore.in, any associated mobile application, and our WhatsApp inquiry channel (together, the "Platform"), owned and operated by KreditScore ("KreditScore", "we", "us", "our"). By accessing the Platform, or by submitting your information through any form, call, or WhatsApp message on it, you ("User", "you") agree to be bound by these Terms and our Privacy Policy.
If you do not agree with these Terms, please do not use the Platform.
1. What KreditScore Does
KreditScore is a technology and lead-facilitation platform. We are not a bank or a Non-Banking Financial Company (NBFC), and we do not lend money ourselves. We help you compare loan options and connect you with our partner bank(s) and/or NBFC(s) (each, a "Lending Partner") who may, at their sole discretion, offer you a loan product based on your eligibility. All decisions regarding loan approval, interest rate, tenure, and disbursal rest solely with the relevant Lending Partner — KreditScore has no role in and makes no guarantee about that decision.
2. Eligibility
You must be at least 18 years old, a resident of India, and legally competent to enter into a contract under Indian law to use this Platform.
3. Your Information and Consent
When you submit your details on the Platform (through a form, call, WhatsApp, or any other channel), you separately and explicitly consent to:
- KreditScore collecting, storing, and processing your personal and financial information as described in our Privacy Policy;
- KreditScore sharing your information with the specific Lending Partner(s) you choose to apply through, and with their authorised representatives or agents (including Direct Selling Agents engaged under that Lending Partner's framework), solely for the purpose of processing your loan application;
- KreditScore or its Lending Partners contacting you via call, SMS, WhatsApp, or email regarding your application, even if your number is registered on the DND/NCPR list under TRAI regulations, since this is a transactional communication arising from a request you have made.
We do not sell your personal information as a standalone commodity to unrelated third parties. Any sharing of your data is purpose-limited to loan facilitation, as detailed in our Privacy Policy.
4. Credit Information
If you choose to check your credit score or report through the Platform, a separate, specific consent will be taken from you before we (or our authorised partner) access your credit information from the relevant credit bureau. This is governed by our Credit Report Consent Terms.
5. No Guarantee of Loan Approval
Use of the Platform does not guarantee that you will be offered or granted any loan. Approval, terms, and disbursal are entirely at the discretion of the Lending Partner.
6. No Fee to Users
KreditScore does not charge you any fee for using the Platform or for being connected to a Lending Partner. If anyone claiming to represent KreditScore asks you for payment to "process" or "approve" your loan, please do not pay, and report it to us immediately at support@kreditscore.in / +91 98111 95111.
7. Intellectual Property
All content on the Platform — including text, design, logos, and graphics — belongs to KreditScore or its licensors and may not be copied, reproduced, reverse-engineered, or used for any commercial purpose without our prior written permission.
8. Prohibited Use
You agree not to: (a) use bots, scrapers, or other automated tools to access the Platform; (b) submit false, fraudulent, or speculative information; (c) use the Platform for any unlawful purpose; or (d) attempt to copy or resell any part of the Platform's content or technology.
9. No Warranty / Limitation of Liability
The Platform is provided on an "as is" and "as available" basis. KreditScore makes no warranties or representations regarding the products, services, interest rates, or conduct of its Lending Partners, and does not endorse any specific Lending Partner's product. To the maximum extent permitted by law, KreditScore shall not be liable for any loss, damage, or claim arising from your reliance on information on the Platform, or from your dealings with any Lending Partner — such dealings are governed solely by the agreement between you and that Lending Partner.
10. Indemnity
You agree to indemnify and hold KreditScore, its officers, employees, and partners harmless from any claims, losses, or damages arising out of your misuse of the Platform or your breach of these Terms.
11. Third-Party Links
The Platform may contain links to third-party websites or applications. KreditScore has no control over and accepts no responsibility for the content or privacy practices of such third parties.
12. Changes to These Terms
We may update these Terms from time to time at our discretion. Continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms.
13. Governing Law and Jurisdiction
These Terms are governed by the laws of India. Courts at New Delhi shall have exclusive jurisdiction over any disputes arising from your use of the Platform.
14. Grievance Redressal
For any complaints, queries, or to withdraw your consent, please contact:
Grievance Officer: Grievance Officer Email: support@kreditscore.in Phone: +91 98111 95111 Address: New Delhi, India
We will acknowledge your complaint within 48 hours and aim to resolve it within 30 days, in accordance with applicable law.