Terms of Use

1. About CredPlus

CredPlus Technologies Private Limited is a technology-enabled credit enablement and financing solutions platform that facilitates access to structured financing opportunities through institutional partnerships and third-party lending partners.

CredPlus is not a direct lender unless specifically stated otherwise.

2. Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge and agree to:

• These Terms of Use
• Our Privacy Policy
• Applicable laws and regulations

Your continued use of the website constitutes acceptance of any modifications or updates to these terms.

3. Use of Website

Users may access and use the website solely for lawful purposes related to:

• Financing inquiries
• EMI-related services
• Institutional financing information
• Partnership and business inquiries
• Educational and informational purposes

Users agree not to misuse, disrupt, or attempt unauthorized access to the website or associated systems.

4. User Eligibility

By using the website, you confirm that:

• You are legally competent to enter into agreements under applicable laws
• Information provided by you is accurate and authentic
• You will comply with all applicable legal and regulatory requirements

5. Financing Services Disclaimer

CredPlus facilitates financing-related solutions through third-party lending institutions including banks and NBFCs.

All financing decisions remain solely at the discretion of the respective lender.

6. Information Submission & Consent

By submitting your information through the website, you authorize CredPlus and its financing partners to:

• Contact you regarding financing services
• Verify information and documents
• Conduct eligibility assessments
• Access credit bureau information where applicable

Users are responsible for ensuring the accuracy and completeness of all submitted information.

7. Intellectual Property Rights

All website content, including:

• Logos
• Branding
• Designs
• Graphics
• Text
• Layouts
• Software and content

are the intellectual property of CredPlus Technologies Private Limited unless otherwise stated.

Unauthorized use, reproduction, modification, or distribution is prohibited without prior written consent.

8. Prohibited Activities

Users shall not:

• Submit false or fraudulent information
• Attempt unauthorized access to systems or data
• Use the website for unlawful activities
• Interfere with website operations or security
• Misrepresent identity or affiliation

CredPlus reserves the right to suspend or terminate access in case of violations.

9. Third-Party Links & Services

The website may contain links to external websites or third-party services for user convenience. CredPlus does not control or endorse such third-party platforms and shall not be responsible for:

• Their content
• Services
• Privacy practices
• Terms of use

Users access such platforms at their own discretion and risk.

10. Limitation of Liability

CredPlus shall not be liable for:

• Financing rejections or lender decisions
• Technical interruptions or website downtime
• Losses arising from use of third-party services
• Delays or inaccuracies in information
• Direct, indirect, incidental, or consequential damages arising from website usage

Use of the website is at the user's sole risk.

11. Privacy & Data Protection

CredPlus is committed to maintaining reasonable safeguards for user information.

Please refer to our Privacy Policy for detailed information regarding:

• Data collection
• Information usage
• Security practices
• User rights

12. Website Availability

CredPlus does not guarantee uninterrupted or error-free website operation and reserves the right to:

• Modify website content
• Suspend services
• Restrict access
• Update functionality

without prior notice.

13. Termination of Access

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

• Fraudulent activity
• Misuse of services
• Violation of these Terms of Use
• Security concerns

14. Governing Law & Jurisdiction

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

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

15. Modifications to Terms

CredPlus reserves the right to update or revise these Terms of Use at any time without prior notice.

Users are encouraged to review these terms periodically.