Term and Conditions

1. Introduction

Welcome to credmatics.com (“Company”, “we”, “our”, or “us”), a financial services platform that operates as a loan and credit card aggregator. By accessing or using our website, you (“User”, “you”, or “your”) agree to be bound by these Terms and Conditions.

2. Nature of Services

• The Company is a financial aggregator and intermediary platform that connects users with banks, non-banking financial companies (NBFCs), and other financial institutions (“Lenders”).
• We do not provide loans, credit cards, or any financial products directly.
• Approval, rejection, interest rates, and terms of financial products are solely determined by the respective Lenders.

3. Eligibility

You must:

• Be at least 18 years old
• Be legally capable of entering into binding contracts
• Provide accurate and complete information

4. User Obligations

• You agree to provide true, accurate, and up-to-date information.
• You shall not misuse the platform for fraudulent or unlawful purposes.
• You are responsible for maintaining the confidentiality of your submitted details.

5. Data Usage & Consent

• By using our platform, you consent to the collection, storage, and sharing of your information with partnered Lenders and service providers.
• Your data may be used for:
  • Processing applications
  • Credit evaluation
  • Marketing and promotional communication (via Email, SMS, RCS, WhatsApp, etc., where permitted by law)
• We implement reasonable security practices but do not guarantee absolute data security.

6. No Guarantee of Approval

• The Company does not guarantee:
  • Loan or credit card approval
  • Specific interest rates or limits
  • Processing timelines
• All decisions are made solely by the Lenders.

7. Fees and Charges

• The Company may earn commissions from Lenders for successful referrals.
• Users are not charged for using the platform unless explicitly stated.
• Any fees related to loans or credit cards are determined by the respective Lenders.

8. Third-Party Services

• The platform may contain links to third-party websites or services.
• We are not responsible for the content, policies, or practices of such third parties.

9. Limitation of Liability

• The Company shall not be liable for:
  • Any rejection or delay by Lenders
  • Financial losses arising from use of third-party products
  • Errors in information provided by Lenders
• Use of the platform is at your own risk.

10. Intellectual Property

All content, trademarks, logos, and materials on the platform are owned by or licensed to Credmatics and are protected by applicable laws.

11. Termination

We reserve the right to suspend or terminate access to the platform at our discretion, without prior notice, for any violation of these Terms.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, and courts located in Meerut, Uttar Pradesh shall have exclusive jurisdiction.

13. Amendments

We may update these Terms at any time without prior notice. Continued use of the platform constitutes acceptance of the revised Terms.

14. Contact Information

For any queries, please contact us at:

• Email: info@credmatics.com

15. Disclaimer

The Company is not a financial advisor. Users are encouraged to independently verify all product details before making financial decisions.