Terms of Use

These Terms of Use ("Terms") govern your access to and use of the CreditSaathi website, and any related services (the "Platform"), operated by Credit Sathi Technology Solution Pvt Ltd ("CreditSaathi", "we", "us"). This document is an electronic record under the Information Technology Act, 2000 and does not need a physical or digital signature.

By using the Platform or submitting any form, you agree to these Terms, our Privacy Policy, Disclaimer and Credit Report Terms, which together form the agreement between you and us. If you do not agree, please do not use the Platform.

1. Definitions

• Partner: a bank, NBFC or other entity regulated by the Reserve Bank of India whose products are facilitated on the Platform, as listed on our Partners page.
• Products: personal loans, credit cards and other credit products offered by Partners.
• User or you: any person who accesses the Platform.
• Services: the information, eligibility checks, matching, application facilitation and support provided by CreditSaathi.

2. Nature of our services

CreditSaathi is a digital platform that acts as a Lending Service Provider (LSP) / Direct Selling Agent (DSA) for its Partners. We provide information about Products, check your eligibility against Partner criteria with your consent, show you suitable Partners and direct you to the Partner's own platform to apply.

We are not a bank, NBFC or credit card issuer. We do not lend money, issue cards, take deposits or decide applications. Every decision to approve, reject, price, disburse, issue, service or recover a Product is made solely by the Partner under its own policies and applicable law. Your contract for a Product is with the Partner, not with CreditSaathi.

3. Eligibility to use the Platform

You must be an individual aged 18 or above, resident in India, and competent to contract under the Indian Contract Act, 1872. Partners usually require applicants to be at least 21. You may use the Platform only for yourself, not on behalf of anyone else.

4. Your account and verification

We verify your mobile number by one-time password (OTP). You are responsible for keeping your phone and OTPs secure. Never share an OTP with anyone who calls you, including someone claiming to be from CreditSaathi or a Partner.

5. Information you provide

You confirm that all information you submit is true, accurate, complete and your own, and that you will update it if it changes. Partners rely on it to assess your application. False, misleading or another person's information may lead to rejection, cancellation of a Product and legal action, including under the Bharatiya Nyaya Sanhita, 2023 and the IT Act.

6. Your consents

By ticking the consent boxes and submitting a form, you:

• authorise CreditSaathi and its Partners to contact you by call, SMS, WhatsApp, email or other channels about your request, even if your number is registered on the National Customer Preference Register (DND), for as long as your request is active or until you withdraw consent;
• authorise CreditSaathi to obtain your credit information from credit information companies through our authorised partner Surepass, as set out in the Credit Report Terms;
• authorise CreditSaathi to share the information you provide, and your eligibility result, with the Partner(s) you choose, only to assess and process your request;
• agree that we may keep a record of these consents.

You may withdraw any consent as described in the Privacy Policy.

7. Offers, eligibility results and calculators

Matches, eligibility indications, interest rates, fees, EMIs and APRs shown on the Platform are indicative, based on information available to us and the Partner's published criteria at the time. They are not an offer, approval or commitment by CreditSaathi or any Partner. The Partner's Key Fact Statement (for loans), Most Important Terms and Conditions (for cards), sanction letter and agreement govern the Product. Please read them fully before you accept.

Calculators are tools for illustration and depend on the values you enter.

8. Fees

CreditSaathi does not charge you any fee for its Services. Any processing fee, interest or other charge on a Product is levied by the Partner and disclosed by it. CreditSaathi may receive a commission from Partners, which does not change what you pay. Never pay money to anyone claiming to represent CreditSaathi to secure an approval.

9. Partner platforms and third-party links

When you continue to a Partner, you leave the Platform. The Partner's terms and privacy policy apply there. We are not responsible for the content, availability, security or practices of Partner or third-party websites, or for any Product, though we will help you raise a grievance with the Partner.

10. Acceptable use

You must not: use the Platform for any unlawful or fraudulent purpose; impersonate any person; submit another person's data; attempt unauthorised access to the Platform or its systems; introduce malware; scrape, crawl or copy content in bulk; interfere with the Platform's operation; or use bots or automated means to submit forms.

11. Intellectual property

The CreditSaathi name, logo, tagline "Credit Ka Sahi Saathi", design, text, graphics and software on the Platform are owned by or licensed to CreditSaathi and protected by Indian and international law. You may view and print pages for personal, non-commercial use only. Partner names and logos belong to their owners and are used with permission only to identify their Products.

12. Disclaimer of warranties

The Platform is provided on an "as is" and "as available" basis. We work to keep information accurate and current but do not warrant that it is error-free, complete or always available. See our Disclaimer.

13. Limitation of liability

To the extent permitted by law, CreditSaathi is not liable for any indirect, incidental, special or consequential loss; for any decision made by a Partner; for any Product you obtain from a Partner; or for loss caused by your failure to keep your OTP, phone or credentials secure. Our total aggregate liability for any claim relating to the Services is limited to ₹1,000. Nothing in these Terms limits liability that cannot be limited under law, including under the Consumer Protection Act, 2019.

14. Indemnity

You agree to indemnify CreditSaathi, its directors and employees against claims, losses and costs arising from your breach of these Terms, your violation of law, or your submission of false or unauthorised information.

15. Suspension and termination

We may suspend or block access to the Platform, or stop processing a request, if you breach these Terms, if we suspect fraud, or if required by law or a Partner. You may stop using the Platform at any time and ask us to erase your data under the Privacy Policy.

16. Grievances

Please raise any concern through our Grievance Redressal process. We acknowledge every complaint and aim to resolve it within 30 days.

17. Governing law and disputes

These Terms are governed by the laws of India. Subject to your rights under consumer protection law, courts at Pune have exclusive jurisdiction. Before going to court, please use our grievance process; for lending complaints you may also approach the RBI Integrated Ombudsman.

18. Changes to these Terms

We may update these Terms. The updated version applies from the effective date shown at the top. For material changes we will notify you on the Platform. Continued use after changes means you accept them.

19. Contact

Credit Sathi Technology Solution Pvt Ltd, Office No 654, Triaa Vasantnam City Center, Vishrantwadi, Pune City, Pune 411015
support@creditsaathi.co.in · +91-7391072790 · Monday to Saturday, 9:30 am to 6:30 pm (except national holidays)