Terms of Service

GENERAL TERMS OF USE

Welcome to www.credocash.com (“Website”), operated as “Credo Cash”.

This document is an electronic record generated in compliance with Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011, read with the Information Technology Act, 2000. It does not require any physical or digital signatures.

Before accessing or using the Website, you are required to carefully read these General Terms of Use (“Terms”) along with the Privacy Policy available on the Website. By accessing the Website, using Credo Cash’s products, software, services, or availing any products or services offered by Credo Cash, its partner institutions, or third parties (“Services”), you acknowledge and agree to be bound by these Terms.

If you do not agree with these Terms and the Privacy Policy, you must refrain from using the Website. Your continued access or use of the Website shall constitute deemed acceptance of the Terms, including any modifications made from time to time. Credo Cash reserves the right to update, revise, or modify these Terms at its sole discretion without prior notice. It is strongly recommended that you periodically revisit this page to review the most recent version of the Terms in force.

Credo Cash may also require you to agree to additional terms specific to certain products or services as and when you avail them. The Services provided through the Website are intended solely for use within India.

1. PROPRIETARY RIGHTS

You acknowledge that Credo Cash owns all legal rights, title, and interest in and to the Services, including any intellectual property rights (whether registered or unregistered). The Services may contain proprietary and confidential information of Credo Cash, which you shall not disclose without prior written consent.

Credo Cash grants you a limited, non-transferable license to access and make personal use of the Website and Services. This license does not include any right to download (other than page caching), copy, modify, reverse engineer, create derivative works, resell, assign, sub license, or otherwise exploit any part of the Website or Services.

You are prohibited from using Credo Cash’s trade names, trademarks, service marks, logos, or brand features without prior authorization. You must not remove, obscure, or alter any intellectual property notices affixed to the Website or Services.

2. USAGE OF THE WEBSITE

The Website is intended for personal and non-commercial use by individuals who are 18 years of age or older and legally capable of entering into binding contracts under applicable laws.

You are responsible for maintaining the confidentiality of your login credentials and account information. All activities carried out using your login details will be deemed to have been performed by you, whether authorized or unauthorized.

You agree to provide true, accurate, current, and complete information when prompted by the Website. If any information is found to be false, inaccurate, incomplete, or outdated, Credo Cash reserves the right to suspend or terminate your account and restrict access to its Services.

By furnishing your personal/contact details on the Website, you expressly consent to being contacted by Credo Cash, its affiliates, partners, vendors, and third parties through any medium—including but not limited to telephone calls, SMS, email, WhatsApp, IVR, or mobile applications—for purposes such as product information, marketing campaigns, cross-selling, or servicing your application. You also waive any preferences registered under DND/NCPR lists in accordance with applicable TRAI regulations.

You further agree that Credo Cash may share your information with its group companies, partners, vendors, or service providers for the purpose of providing Services, cross-selling financial products, or enhancing your Website experience.

For financial products such as loans, credit cards, or investments, you consent to Credo Cash undertaking mandatory Know-Your-Customer (KYC) verification, customer due diligence, and enhanced due diligence (if required) in compliance with applicable laws and regulatory requirements.

The Website must be used strictly for lawful purposes and only to explore/apply for financial products listed therein. You agree not to engage in fraudulent applications, illegal activities, or actions that could disrupt Credo Cash’s systems or Services.

3. PRIVACY POLICY

By using the Website, you consent to the collection, storage, processing, and use of your personal information in accordance with Credo Cash’s Privacy Policy.

4. THIRD-PARTY LINKS/OFFERS

The Website may contain links to third-party websites or offers. Credo Cash does not control or endorse such third-party websites and is not responsible for their availability, accuracy, content, or services. Your engagement with such third parties is solely at your own risk, and Credo Cash assumes no liability for any damages, losses, or claims arising therefrom.

5. OUR PARTNERS

The display of products or services from third parties (such as banks, NBFCs, mutual funds, or credit card companies) on the Website does not constitute endorsement or recommendation by Credo Cash. Approval or rejection of applications remains entirely at the discretion of the concerned financial partner.

6. DISCLAIMER OF WARRANTY

The Website and Services are provided on an “as is” and “as available” basis. Credo Cash disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, non-infringement, and accuracy.

Credo Cash makes no assurance that the Website will be error-free, uninterrupted, secure, or that results obtained from its use will be reliable. Information displayed is derived from publicly available sources and should not be construed as investment advice.

Credo Cash, directly or through authorized partners, may facilitate payment processing via third-party gateways. However, it shall not be liable for payment failures, frauds, declines, or related disputes.

7. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Credo Cash and its affiliates shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages, including but not limited to loss of profits, business, goodwill, data, or other intangible losses, arising out of or in connection with use of the Website, Services, or third-party interactions.

8. INDEMNITY

You agree to indemnify and hold harmless Credo Cash, its directors, officers, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney’s fees) arising out of your use of the Website, violation of these Terms, or infringement of third-party rights.

9. WAIVER

Failure by Credo Cash to enforce any provision of these Terms shall not constitute a waiver of its rights. Waivers, if any, must be provided in writing by an authorized officer of Credo Cash.

10. FORCE MAJEURE

Credo Cash shall not be held liable for failure to perform obligations due to circumstances beyond its reasonable control, including but not limited to natural disasters, strikes, cyber attacks, power outages, regulatory actions, war, or civil disturbances.

11. ADDITIONAL TERMS

These Terms shall be governed by the laws of India. You agree to submit to the exclusive jurisdiction of the courts in Gujarat, India for any disputes arising from the use of the Website or these Terms.

Credo Cash reserves the right to modify the Website, Services, or these Terms at its discretion. Continued use of the Website after updates constitutes acceptance of the revised Terms.