Terms & Conditions

1. About CredPlus

CredPlus Technologies Private Limited is a technology-enabled credit enablement and financing solutions platform that facilitates access to financing opportunities through partnerships with banks, NBFCs, financial institutions, educational institutions, healthcare providers, and other ecosystem partners.

CredPlus is not a direct lender unless specifically stated otherwise.

2. Acceptance of Terms

By accessing this website or using our services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy.

If you do not agree with these terms, you should discontinue use of the website and services immediately.

3. Services Provided

CredPlus may provide:

• Financing enablement solutions
• EMI facilitation support
• Borrower onboarding assistance
• Institutional financing support
• Multi-lender financing access
• Technology-driven financing workflows
• Financing-related information and advisory support

All financing approvals remain subject to lender eligibility criteria and underwriting policies.

4. No Guarantee of Approval

Submission of an application or inquiry through CredPlus does not guarantee:

• Loan approval
• EMI eligibility
• Financing availability
• Specific interest rates or terms

All approvals are solely at the discretion of the respective lending partner.

5. User Eligibility

By using our services, you confirm that:

• You are legally eligible to enter into financial agreements
• Information submitted is accurate and complete
• You will not misuse the platform or services

6. User Responsibilities

Users agree:

• To provide authentic information and documents
• Not to submit false, misleading, or fraudulent information
• To comply with applicable laws and regulations

CredPlus reserves the right to reject or discontinue services in case of suspected misuse or fraud.

7. Third-Party Lender Relationships

CredPlus works with third-party banks, NBFCs, and financing institutions. Financing products, approvals, repayment schedules, and lending decisions are governed by the respective lender's terms and policies.

CredPlus shall not be responsible for:

• Lending decisions
• Interest rates
• Loan rejections
• Recovery or collection practices
• Repayment disputes

8. Information & Data Consent

By submitting your information through our platform, you authorize CredPlus and its financing partners to:

• Verify submitted information
• Access credit bureau data
• Conduct eligibility assessment
• Contact you regarding financing-related services

All information shall be handled in accordance with our Privacy Policy.

9. Intellectual Property

All website content, branding, logos, graphics, text, design elements, and intellectual property displayed on this website are owned by or licensed to CredPlus Technologies Private Limited.

Unauthorized reproduction or use is prohibited without prior written consent.

10. Limitation of Liability

CredPlus shall not be liable for:

• Any direct or indirect losses arising from financing decisions
• Service interruptions or technical issues
• Third-party lender actions
• Financial losses, delays, or disputes arising between users and lenders

Users access and use the platform at their own discretion and risk.

11. Website Content Disclaimer

Information provided on the website is for general informational purposes only and should not be considered financial, legal, or professional advice.

CredPlus reserves the right to modify website content, services, or offerings without prior notice.

12. Privacy & Security

CredPlus takes reasonable measures to protect user information and maintain platform security. However, users acknowledge that internet-based services may involve inherent risks.

Please review our Privacy Policy for detailed information regarding data usage and protection.

13. Third-Party Links

The website may contain links to external websites or third-party services. CredPlus is not responsible for the content, policies, or practices of such external platforms.

14. Termination of Access

CredPlus reserves the right to suspend or terminate access to services or the website in cases involving:

• Misuse
• Fraudulent activity
• Violation of these Terms & Conditions

15. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising shall be subject to the jurisdiction of courts located in Chandigarh, India.

16. Modifications to Terms

CredPlus reserves the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of the website after updates constitutes acceptance of the revised terms.