Terms & Condition

  >> Acceptance of Terms

By accessing, browsing, or using the Credocash platform, you agree to comply with and be legally bound by these Terms and Conditions, along with our Privacy Policy and applicable laws.

  >> Nature of Services

Credocash is a technology-driven platform that facilitates connections between users and regulated financial institutions, including banks and NBFCs. Credocash is not a lender and does not provide loans directly. All loan approvals, terms, and disbursements are solely at the discretion of the respective lending partners.

  >> User Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Provide accurate, current, and complete information

Credocash reserves the right to verify user information at any stage.

  >> User Consent & Authorization

By submitting your details, you:

• Authorize Credocash to share your information with partner banks/NBFCs
• Consent to receive calls, SMS, WhatsApp, and emails for service-related communication
• Agree to be contacted even if registered under DND/NDNC

  >> Loan Application & Approval

• Loan eligibility is determined by lending partners
• Credocash does not guarantee approval or specific loan terms
• Interest rates, tenure, and charges vary as per lender policies

  >> User Obligations

Users agree to:

• Provide true and accurate information
• Not impersonate or misrepresent identity
• Not use the platform for unlawful or fraudulent activities

  >> Data Privacy & Security

Credocash implements reasonable security practices to protect user data. By using our services, you consent to the collection, storage, and sharing of your data with authorized third parties for processing your request.

  >> Third-Party Services

Credocash may display or link to third-party websites, products, or services. We are not responsible for their content, policies, or performance.

  >> Disclaimer of Warranties

All services are provided on an “as-is” and “as-available” basis. Credocash does not guarantee uninterrupted service, accuracy, or error-free operation.

  >>Limitation of Liability

Credocash shall not be liable for:

• Loan rejection or delay by lenders
• Any financial loss or damages arising from use of the platform
• Technical issues beyond our control

  >> Intellectual Property Rights

All trademarks, logos, content, and materials on the platform are owned by Credocash and are protected under applicable laws. Unauthorized use is strictly prohibited.

  >> Suspension & Termination

Credocash reserves the right to suspend or terminate user access without prior notice in case of violation of these terms or suspicious activity.

  >>  Indemnification

Users agree to indemnify and hold harmless Credocash from any claims, damages, or losses arising from misuse of the platform or violation of terms.

  >> Amendments

Credocash may modify these Terms & Conditions at any time. Continued use of the platform implies acceptance of updated terms.

  >> Governing Law & Jurisdiction

These Terms shall be governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in [City – SURAT].

  >> Fraud Allegations & Legal Action

Any customer raising allegations related to fraud, misrepresentation, or misconduct must first notify Credocash by issuing a formal legal notice to the company’s registered communication address. Upon receiving such notice, Credocash will review the matter in accordance with its internal policies, applicable agreements, and prevailing laws of India.

No legal action shall be initiated against Credocash without providing the company a reasonable opportunity to investigate and respond to the concern. Any claims found to be false, misleading, or made with malicious intent may be subject to appropriate legal action under applicable laws.

  >> Introduction

Credocash values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data.

  >> Information We Collect

• Personal details (Name, Mobile Number, Email, PAN, Aadhaar, etc.)
• Financial details (Income, employment details, bank statements)
• Device & usage data (IP address, browser, cookies)

  >> How We Use Your Information

• To process loan applications
• To connect you with lenders (Banks/NBFCs)
• To improve our services and user experience
• For communication via calls, SMS, email, WhatsApp

  >> Data Sharing

• Shared only with authorized lenders and partners
• Not sold to unauthorized third parties

  >> Data Security

We use industry-standard security measures to protect your information.

  >> User Consent

By using Credocash, you consent to data collection and sharing as per this policy.

  >> Cookies Policy

We use cookies to enhance user experience and analyze website traffic.

  >> Changes to Policy

Credocash may update this policy anytime. Continued use means acceptance.

  >> Disclaimer – Credocash

>> Credocash is not a lender and does not provide loans directly.

We act as a facilitator connecting users with banks and NBFCs.

• Loan approval depends on lender policies
• Interest rates, tenure, and charges vary
• We do not guarantee loan approval

All information on the website is for general guidance only and may change without notice.

  >> Refund & Cancellation Policy (Optional but Recommended)

  >>  Refund Policy

• Any service fees paid are non-refundable unless explicitly stated
• Refunds (if applicable) will be processed within 2 working days

  >> Cancellation Policy

• Users can cancel loan applications before final submission
• Once submitted to lenders, cancellation depends on lender policies

  >> RBI Compliance Note (Very Important)

Add this section on website footer or disclaimer page:

Credocash is a digital loan facilitation platform and not a lending institution. We work with RBI-registered banks and NBFCs. All loan approvals and disbursements are subject to lender policies and RBI guidelines.

  >> Grievance Redressal (Professional Touch)

Connect Our representive

If you have any complaints:

• Email: info@credocash.in
• Response Time: Within 48 hours
  Business Hours: Monday–Friday, 10:00 AM–6:00 PM | Saturday, 10:00 AM–12:00 PM