Terms & Conditions

1. About Kredifit

Kredifit is a financial facilitation platform that assists users in loan consolidation by connecting them with partner banks and NBFCs.

Kredifit does not provide loans directly. All loan approvals, interest rates, fees, and terms are decided solely by the respective lender.

2. Eligibility to Use Services

To use Kredifit services, you must:

• Be at least 18 years of age
• Be a resident of India
• Provide accurate and complete information
• Have existing loans or credit liabilities eligible for consolidation

Kredifit reserves the right to reject or discontinue services if eligibility conditions are not met.

3. User Information & Responsibility

You agree that:

• All information provided by you is true, accurate, and complete
• You will not submit false, misleading, or fraudulent information
• You are responsible for maintaining the confidentiality of your contact details

Kredifit is not responsible for any consequences arising from incorrect or incomplete information provided by you.

4. Scope of Services

Kredifit’s services include:

• Collecting user information for eligibility assessment
• Facilitating loan consolidation options through partner lenders
• Coordinating communication between users and lenders

Kredifit does not guarantee:

• Loan approval
• Specific interest rates
• Loan amounts or tenure

5. Fees & Charges

• Kredifit may receive a commission from partner banks or NBFCs
• Users are not charged any upfront fee unless explicitly communicated
• Processing fees, interest rates, and other charges are set by the lender and disclosed separately

Kredifit is not responsible for lender-imposed charges.

6. Credit Assessment & Reports

By using Kredifit, you authorize us and our partners to:

• Access credit bureau data for eligibility checks
• Evaluate your credit profile for loan consolidation

Credit decisions are made solely by partner lenders.

7. Communication Consent

By submitting your details, you consent to receive communication from Kredifit via:

• Phone calls
• SMS
• WhatsApp
• Email

Communication may include service updates, eligibility results, and loan-related information.

You may opt out of promotional communication.

8. Data Usage & Privacy

Your data will be collected, stored, and used in accordance with our Privacy Policy.

By agreeing to these Terms, you also accept our Privacy Policy.

9. Third-Party Services

Kredifit may integrate or link to third-party services.

We are not responsible for the content, accuracy, or practices of external platforms.

10. Limitation of Liability

Kredifit shall not be liable for:

• Loan rejection or delays by lenders
• Changes in interest rates or loan terms
• Any direct or indirect loss arising from lender decisions

Use of Kredifit services is at your own discretion.

11. Termination of Services

Kredifit reserves the right to suspend or terminate access if:

• False information is provided
• Terms are violated
• Misuse or unlawful activity is detected

12. Intellectual Property

All content on the Kredifit website, including text, logos, and design elements, is the property of Kredifit and may not be used without written permission.

13. Governing Law & Jurisdiction

These Terms shall be governed by the laws of India.

Any disputes shall be subject to the exclusive jurisdiction of courts located in India.

14. Changes to Terms

Kredifit may modify these Terms at any time. Updated terms will be posted on this page with a revised effective date.

15. Contact Information

For any questions regarding these Terms, contact:

Kredifit

Disclaimer

Kredifit is a loan consolidation facilitation platform. Final approval, loan terms, and disbursement are solely the responsibility of partner banks and NBFCs.