Terms and Conditions
1. Introduction
Welcome to Click to Credit (“Platform”, “Company”, “we”, “our”, “us”).
By accessing or using our website, mobile application, or services, you agree to be bound by these Terms & Conditions.
If you do not agree, please discontinue use immediately.
2. Nature of Services
- Click to Credit is a loan aggregation and marketplace platform.
- We do not provide loans directly.
- We facilitate connections between users and:
- Banks
- NBFCs
- Financial institutions
All loan approvals, terms, and disbursals are handled solely by the respective lenders.
3. Eligibility
To use our services, you must:
- Be at least 18 years old
- Be an Indian resident
- Provide accurate and complete information
We reserve the right to accept or reject applications without prior notice.
4. User Obligations
You agree to:
- Provide true, correct, and updated details
- Not engage in fraud, misrepresentation, or illegal activity
- Not misuse the platform
Violation may result in:
- Immediate account suspension
- Legal action
5. Loan Applications & Approval
- Submission of application does not guarantee approval
- Loan approval is subject to lender policies
- Interest rates, tenure, and loan amounts vary
Click to Credit is not responsible for:
- Loan rejection
- Interest rate differences
- Lender decisions
6. Fees & Charges
- Click to Credit may charge a service or platform fee (if applicable)
- Lenders may charge:
- Processing fees
- Interest
- Late payment penalties
All applicable charges will be disclosed by lenders.
7. Third-Party Services
By using our platform, you consent to:
- Sharing your details with partner lenders
- Being contacted by them via call, SMS, email, or WhatsApp
We are not responsible for:
- Third-party services
- Loan agreements between you and lenders
8. Intellectual Property
All content including:
- Logo
- Brand name
- Software
- Website content
is the property of Click to Credit and protected under applicable laws.
Unauthorized use is strictly prohibited.
9. Limitation of Liability
Click to Credit shall not be liable for:
- Loan rejection or delays
- Errors by lenders
- Financial losses arising from lender agreements
Your engagement is solely between you and the lender.
10. Disclaimer
- We act only as an intermediary platform
- We do not guarantee:
- Loan approval
- Lowest interest rates
- Immediate disbursal
11. Termination
We reserve the right to:
- Suspend or terminate access
- Remove user accounts
Without prior notice in case of misuse.
12. Governing Law
These Terms shall be governed by the laws of India.
Jurisdiction: New Delhi
13. Contact Information
For queries:
📧 Email: [support@clicktocredit.com]New Delhi
