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Terms & Conditions

These Terms & Conditions govern your use of the Creditcares website and services. By accessing this website or submitting your details, you agree to be bound by these terms.

1. About Us

Creditcares is a loan consultancy and service provider that assists individuals and businesses in obtaining financial products such as Loan Against Property, Mortgage Loans, Business Loans, and other credit facilities through partner banks and NBFCs.

We act as an intermediary and do not directly lend money.

2. Acceptance of Terms

By using our website or services, you:

  • Confirm that the information provided is accurate
  • Agree to comply with these Terms & Conditions
  • Authorize us to process and share your information as required

If you do not agree, you should not use this website.

3. Services Offered

We provide:

  • Loan consultation and advisory
  • Assistance in documentation and application
  • Coordination with banks and NBFCs
  • Support during approval and disbursement stages

All final decisions rest with the respective lender.

4. Eligibility

You must:

  • Be at least 18 years of age
  • Provide valid and truthful information
  • Have the legal capacity to enter into financial agreements

5. User Responsibilities

You agree:

  • To provide correct and complete details
  • Not to submit false or misleading information
  • Not to misuse the website for illegal or fraudulent activities
  • To cooperate during documentation and verification

Any misrepresentation may lead to rejection or legal action.

6. No Guarantee of Approval

Creditcares does not guarantee:

  • Loan approval
  • Interest rates
  • Loan amount or tenure

These are determined solely by banks and NBFCs based on their internal policies and your profile.

7. Fees & Charges

  • Consultation or service fees, if applicable, will be communicated clearly
  • Any charges by banks/NBFCs (processing fees, legal charges, etc.) are separate
  • We are not responsible for third-party charges

8. Communication Consent

By submitting your details, you consent to receive:

  • Calls, SMS, WhatsApp, and emails
  • Service updates and follow-ups
  • Promotional or informational communication

This applies even if your number is registered under DND/NDNC.

9. Intellectual Property

All content on this website (text, design, branding, graphics) is owned by Creditcares.

You may not:

  • Copy, reproduce, or distribute content without permission
  • Use our brand name or materials for unauthorized purposes

10. Third-Party Involvement

We work with multiple banks, NBFCs, and financial institutions.

We are not responsible for:

  • Their decisions or policies
  • Changes in loan terms
  • Delays or issues from their side

11. Limitation of Liability

Creditcares will not be liable for:

  • Any direct or indirect financial loss
  • Loan rejection or delays
  • Incorrect decisions made based on third-party information

Your use of services is at your own discretion.

12. Website Usage Restrictions

You agree not to:

  • Attempt unauthorized access to the website
  • Disrupt website functionality
  • Upload harmful or malicious content

Violation may result in legal action.

13. Indemnification

You agree to indemnify and hold Creditcares harmless from any claims, damages, or losses arising from:

  • Incorrect information provided by you
  • Misuse of services
  • Violation of these terms

14. Governing Law

These Terms & Conditions are governed by the laws of India.
Any disputes shall be subject to the jurisdiction of courts in Kolkata.

15. Changes to Terms

We may update these Terms & Conditions at any time.
Continued use of the website implies acceptance of the updated terms.

16. Contact Information

For any queries regarding these Terms: