Terms of Use

These Terms of Use ("Terms") govern your access to and use of the CreditInd website (the "Platform"), operated as an independent financial comparison and information resource. By using the Platform, you agree to these Terms. If you do not agree, please do not use the Platform.

1. What CreditInd Is

CreditInd is an independent comparison and information platform. We are not a bank, non-banking financial company (NBFC), broker, insurer, or financial advisor, and we are not registered with or licensed by the Reserve Bank of India, SEBI, IRDAI, or any other financial regulator. We do not issue, underwrite, sell, or service any financial product listed on the Platform.

2. No Financial, Investment, or Legal Advice

Nothing on the Platform constitutes financial, investment, tax, legal, or professional advice of any kind. Content is provided for general informational purposes only. Any decision to apply for, open, or use a credit card, loan, savings account, demat account, or any other product referenced on the Platform is made solely at your discretion and risk. You should independently verify all product details, eligibility criteria, fees, interest rates, and terms directly with the relevant bank, NBFC, broker, or financial institution before making any decision.

3. Accuracy of Information

We make reasonable efforts to keep information on the Platform current, but financial products, interest rates, fees, and eligibility criteria change frequently and without notice. We do not guarantee, warrant, or represent that any information on the Platform — including rates, fees, approval odds, rewards estimates, or comparison outcomes — is accurate, complete, or up to date at any given time. Figures such as approval percentages, estimated rewards, or EMI calculations are indicative estimates generated for illustrative purposes and are not offers, guarantees, or predictions of actual outcomes. Always confirm final terms directly with the provider before applying.

Recommendations, rankings, "best card/loan for you" suggestions, and outputs from any tool, calculator, or AI assistant on the Platform (including Creddy AI) are generated using automated logic based on limited, self-reported, or publicly available information. They are provided as general guidance to help you narrow down options and do not constitute a determination, guarantee, or assurance that any specific product is the best, most suitable, cheapest, or only appropriate option for your individual financial circumstances. You are responsible for independently evaluating whether a product is right for you before applying.

4. Third-Party Products and Links

The Platform contains links and redirects to third-party websites operated by banks, NBFCs, brokers, and other financial institutions ("Third-Party Sites"). We do not control and are not responsible for the content, accuracy, security, or practices of any Third-Party Site. Your use of any Third-Party Site is governed solely by that site's own terms and policies, not by these Terms. Inclusion of a product or provider on the Platform is not an endorsement, recommendation, or guarantee of quality, suitability, or approval.

5. Referral Relationships

CreditInd may receive a referral fee or commission from certain banks, NBFCs, brokers, or their affiliate/referral networks if you apply for or open a product through a link on the Platform. This is at no additional cost to you. Where such relationships exist, they do not guarantee approval, and we do not receive any fee unless and until an application is successfully processed by the provider under their own criteria. We do not accept payment to alter, hide, or misrepresent product information, ratings, or rankings in exchange for placement, though referral relationships may influence which products we choose to feature.

6. No Guarantee of Approval or Outcomes

We do not guarantee that you will be approved for any credit card, loan, account, or product referenced on the Platform, regardless of any approval estimate, eligibility indicator, or recommendation shown. Approval, final pricing, and terms are determined solely by the relevant bank, NBFC, broker, or provider based on their own internal criteria, which may differ from what is displayed on the Platform.

7. "As Is" Basis and Limitation of Liability

The Platform and all content, tools, and calculators are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. To the maximum extent permitted by applicable law, CreditInd and its founder/operator shall not be liable for any direct, indirect, incidental, consequential, or special damages, financial loss, loss of data, or loss of opportunity arising out of or in connection with your use of, or inability to use, the Platform, any information provided on it, or any product or service obtained through a Third-Party Site linked from it.

8. Availability and Changes

We do not guarantee uninterrupted, error-free, or continuous availability of the Platform. We may modify, suspend, or discontinue the Platform, or any part, tool, or feature of it, at any time and without prior notice or liability. We may also update these Terms from time to time; continued use of the Platform after changes are posted constitutes acceptance of the revised Terms.

9. No Payments Taken on This Platform

CreditInd does not process, collect, or store any payments from you. The Platform is free to use. When you choose to apply for a product, any payment, fee, or charge (such as a card joining fee or loan processing fee) is handled entirely by the bank, NBFC, or broker on their own website — never by CreditInd.

10. Prohibited Uses

By using the Platform, you agree that you will NOT:

• Access, tamper with, or use any non-public area of the Platform, its systems, or its underlying infrastructure, including by hacking, probing for vulnerabilities, or attempting to bypass any security, authentication, or access-control measure;
• Use bots, scrapers, crawlers, spiders, or any other automated means to extract, copy, harvest, or index data, content, pricing, or product listings from the Platform without our prior written permission;
• Copy, reproduce, republish, mirror, frame, or create a derivative or competing product or service using the Platform's design, layout, source code, content, database compilations, or original text, in whole or in part;
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying logic of the Platform, its calculators, or its recommendation tools;
• Introduce any virus, malware, ransomware, or other harmful code, or attempt a denial-of-service attack or any action that could damage, disable, overburden, or impair the Platform;
• Impersonate CreditInd, misrepresent your affiliation with us, or use our name, logo, or branding in a way likely to cause confusion;
• Use the Platform for any unlawful purpose, or to submit false, fraudulent, or misleading information to us or to any third party through the Platform;
• Circumvent, disable, or interfere with rate limits, security features, or access restrictions put in place to protect the Platform.

You are solely responsible for any application, account, or financial commitment you enter into with a third party, whether or not discovered through the Platform.

Any violation of this section may result in immediate, permanent termination of your access to the Platform without notice, and we reserve the right to pursue all available legal remedies — including injunctive relief, damages, and referral to law enforcement — under applicable Indian law, including the Information Technology Act, 2000, the Copyright Act, 1957, and the Indian Penal Code / Bharatiya Nyaya Sanhita provisions relating to fraud, cheating, and unauthorized computer access, as applicable.

11. Intellectual Property

The Platform — including its design, layout, visual identity, logo, original text and content, source code, calculators, tools, AI assistant, and the compilation and organization of product data displayed on it — is the exclusive property of CreditInd and/or its founder, and is protected under the Copyright Act, 1957, applicable trademark law, and other Indian and international intellectual property laws. No part of the Platform may be copied, reproduced, distributed, publicly displayed, or used to create a derivative work without our express prior written permission.

Nothing in these Terms grants you any license, right, or interest in our intellectual property beyond the limited right to view and use the Platform for your own personal, non-commercial use in accordance with these Terms. We actively monitor for unauthorized copying, scraping, or use of the Platform and reserve the right to pursue all available legal remedies against any person or entity that infringes our intellectual property rights.

Bank names, logos, and product names referenced on the Platform are trademarks of their respective owners and are used solely for identification and comparison purposes; no affiliation, sponsorship, or endorsement by those owners is implied.

12. Termination of Access

We reserve the right, at our sole discretion and without prior notice, to suspend, restrict, or permanently terminate any person's access to the Platform — including by blocking an IP address, device, or network — if we reasonably believe that person has violated these Terms, attempted to misuse, scrape, copy, or compromise the Platform, or engaged in any unlawful or harmful conduct. This right is in addition to, and not in place of, any other legal remedy available to us.

13. Indemnification

You agree to indemnify and hold harmless CreditInd, its founder/operator, and any affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your misuse of the Platform, your violation of these Terms, or your violation of any applicable law or third-party right.

14. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will continue in full force and effect.

15. Governing Law

These Terms are governed by the laws of India. Any disputes arising out of or relating to these Terms or your use of the Platform will be subject to the exclusive jurisdiction of the courts having competent authority, without regard to conflict of law principles.

16. Contact

Questions about these Terms can be sent to Contact.