Terms of Use – Credofina

Welcome to Credofina

These Terms of Use ("Terms") govern your access to and use of the Credofina website, mobile application, and any related services provided by Credofina Fintech Private Limited. By accessing or using our services, you agree to be bound by these Terms.

1. Eligibility

To use our loan services, you must:

Be at least 18 years old
Be a resident of India
Provide accurate KYC and financial information
Not be barred under any applicable laws from receiving financial services

2. User Responsibilities

When using our platform, you agree to:

Provide accurate, complete, and updated information
Not engage in fraudulent, illegal, or abusive activities
Maintain confidentiality of your login details
Use the platform only for legitimate financial needs

3. KYC & Verification

Credofina is legally required to collect and verify identity documents such as:

PAN Card
Aadhaar details (digital/e-verification)
Contact details

This information is used strictly for compliance, verification, and loan processing purposes.

4. Credit Evaluation

By using our services, you authorize Credofina to:

Retrieve your credit score from CIBIL, Equifax, Experian, or CRIF
Analyse your financial and SMS data for risk assessment
Use AI-driven and digital evaluation systems

5. Loan Terms

All loans are subject to approval based on internal credit policies. Interest rates, charges, eligibility criteria, and repayment terms will be clearly disclosed before final approval.

6. Prohibited Activities

You agree NOT to:

Misuse the platform for fraudulent loan applications
Provide false or misleading documents
Engage in activities that may harm Credofina's systems or reputation

7. Intellectual Property Rights

All content, branding, trademarks, logos, and design elements on the platform belong exclusively to Credofina. Unauthorized copying or reproduction is prohibited.

8. Limitation of Liability

Credofina is not responsible for:

Technical failures or downtime
Loss of data due to user negligence
Unauthorized access resulting from user sharing login details

9. Changes to Terms

Credofina reserves the right to update or modify these Terms at any time. Continued use of the platform implies acceptance of the revised Terms.

10. Contact Information

For any legal or service-related queries, contact us:

Credofina Fintech Private Limited
Lower Ground Floor, Saket Salcon Rasvilas,
Saket District Centre, Sector 6, Pushp Vihar,
Next to Select City Walk Mall, Delhi 110017

Email: contactus@credofina.com