Terms & Conditions

Effective Date: [01/07/2026]

1. Acceptance

By using this website, you agree to these Terms & Conditions.

If you do not agree, please discontinue using the website.

2. Nature of Service

PaisaKredit is a loan consultancy and loan facilitation platform.

We:

• Assist customers in identifying suitable loan products.
• Connect applicants with Banks and NBFCs.
• Help prepare documentation.
• Provide application assistance.

We do not provide loans ourselves.

3. Loan Approval Disclaimer

Loan approval depends solely on:

• Bank/NBFC policies
• Applicant eligibility
• Credit score
• Income verification
• Internal underwriting

PaisaKredit does not guarantee:

• Loan approval
• Loan amount
• Interest rate
• Processing time
• Disbursement

4. User Responsibilities

Users agree to:

• Provide genuine information.
• Submit authentic documents.
• Avoid fraudulent applications.
• Cooperate during verification.

Providing false information may lead to rejection and legal action.

5. Fees

Unless specifically stated:

• Consultation may be free or chargeable.
• Any processing fee charged by Banks/NBFCs is governed by the respective lender.
• PaisaKredit will disclose any applicable service charges before collecting payment.

6. Intellectual Property

All content including:

• Logo
• Images
• Website Design
• Text
• Graphics

belongs to PaisaKredit and may not be copied, reproduced, distributed, or used without prior written permission.

7. Limitation of Liability

PaisaKredit shall not be liable for:

• Loan rejection
• Delay in approval
• Delay in disbursement
• Interest rate changes
• Bank decisions
• Technical issues beyond our control

8. Third-Party Services

Banks, NBFCs, payment gateways, verification agencies, and external websites operate under their own policies.

We are not responsible for their actions, services, or privacy practices.

9. Prohibited Activities

Users shall not:

• Submit fake or forged documents.
• Attempt unauthorized access to the website.
• Upload malicious software or harmful code.
• Misuse website services.
• Violate any applicable laws or regulations.

10. Suspension

We reserve the right to suspend or terminate access if:

• Fraud is suspected.
• These Terms & Conditions are violated.
• Legal obligations require such action.

11. Disclaimer

The information available on this website is for general informational purposes only.

Nothing on this website should be considered financial, legal, tax, or investment advice.

Users should independently evaluate loan products before applying.

12. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of India.

Any disputes shall be subject to the exclusive jurisdiction of the courts located at [Your City, State].

13. Contact

PaisaKredit

Email: support.paisakredit@gmail.com

Phone: +91 98988 85904