Terms of Use
Last updated: 2026-07-10
Publisher: Navavista Technology Ventures Pvt. Ltd. (operating as "Creditsin", "we", "us", "our", "Company").
Registered Office: Bengaluru, Karnataka, India.
Platform: https://creditsin.in and the Creditsin mobile / PWA app (collectively, the "Platform").
This document is an electronic record under the Information Technology Act, 2000 and the rules made thereunder and is published in accordance with Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. It does not require any physical or digital signature. By accessing or using the Platform you agree to these Terms of Use ("Terms") and our [Privacy Policy](/privacy). If you do not agree, please stop using the Platform.
1. Introduction & Nature of the Platform
Creditsin is a technology and referral marketplace that helps users discover, compare and apply for financial products (credit cards, loans, demat, insurance and similar) offered by licensed banks, NBFCs, brokers and other regulated financial institutions. Creditsin is not a bank, NBFC, broker or financial institution and does not itself lend money, issue cards, or offer investment/advisory services. All product approvals, pricing and terms are decided solely by the respective financial institution.
2. Eligibility
Use of the Platform is available only to natural persons who:
Signups where the declared date of birth indicates an age below 18 are hard-blocked. We reserve the right to suspend or terminate any account found to be ineligible.
3. Acceptance & Modification of Terms
By accessing or using the Platform, you agree to these Terms. We may modify these Terms at any time; the "Last updated" date at the top reflects the latest revision. Your continued use after such changes constitutes acceptance of the revised Terms.
4. Account & Credentials
You are responsible for maintaining the confidentiality of your login credentials, OTPs and PINs. You must not share your OTP, password or authentication token with anyone, including persons claiming to represent Creditsin. All activity under your account is your responsibility.
5. Prohibited Conduct (IT Rules 3(1)(b))
You agree not to host, display, upload, modify, publish, transmit, store, update or share any information that:
(a) belongs to another person and to which you have no right;
(b) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy (including bodily privacy), insulting or harassing on the basis of gender, hateful, racially or ethnically objectionable, relates to or encourages money-laundering or gambling, or is otherwise unlawful;
(c) is harmful to minors in any way;
(d) infringes any patent, trademark, copyright or other proprietary right;
(e) deceives or misleads the addressee about the origin of any message or knowingly communicates any information which is patently false, offensive or menacing;
(f) impersonates another person;
(g) contains software viruses, trojans, worms or other malicious code intended to interrupt, destroy or limit the functionality of any computer resource;
(h) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order;
(i) constitutes unsolicited or unauthorised advertising, promotional material, "junk mail", "spam" or "chain letters";
(j) violates any law in force.
You further agree not to use any bot, scraper, spider, crawler, reverse-engineering tool or automated agent to access, copy, index or interfere with the Platform, and not to attempt to gain unauthorised access to any part of the Platform, our systems or partner systems.
6. Communication Consent
By providing your mobile number and email, you consent to receive transactional messages (OTPs, application status, payout notifications, compliance and security alerts) via SMS, WhatsApp, RCS, email and voice call, notwithstanding your DND registration, to the extent permitted by TRAI regulations. You may separately opt in to promotional communications and may opt out at any time via STOP, the unsubscribe link, or Account → Notification Preferences.
7. Referral & Rewards Programme
Creditsin operates a "Refer & Earn" programme through which users may earn commissions when a referred user signs up and their application with a partner institution is approved and activated.
8. Financial Disclaimer (RBI / DLG Compliance)
Creditsin does not guarantee loan approvals, credit limits, interest rates, discount vouchers, or eligibility for any product. All decisions rest solely with the partner bank / NBFC based on its internal policies. Product information (rates, fees, features) is provided on a best-effort basis from public sources and partner feeds and may change without notice. Please read the official product terms and Key Fact Statement issued by the lender before applying.
9. Affiliate & Commercial Relationship
Creditsin participates in affiliate and referral partnerships with banks, NBFCs and brokers. When you apply for a product through the Platform, we may receive a commission from the partner. This does not affect the product pricing offered to you. Where an offer is a paid placement, it is marked as such.
10. KYC & Verification
Certain products require you to submit KYC documents such as PAN, Aadhaar reference, income proof, bank statements. Where you upload these on the Platform, they are securely transmitted to the relevant partner institution solely for processing your application, subject to the [Privacy Policy](/privacy). You represent that all documents and information submitted are genuine, current and belong to you.
11. Third-Party Links & Services
The Platform contains links to and integrations with third-party sites (partner banks, brokers, blog citations, social platforms). We are not responsible for the content, availability, privacy practices or terms of any third-party site or service. Your dealings with any third party (including any lender) are solely between you and that third party.
12. Intellectual Property
All content on the Platform — including text, software, code, designs, graphics, logos, images, product data compilations and trademarks (collectively, "IP") — is owned by Navavista Technology Ventures Pvt. Ltd. or its licensors and is protected under Indian and international IP laws. You are granted a personal, non-exclusive, non-transferable, revocable licence to access the Platform for personal, non-commercial use only. You must not (a) decompile, disassemble or reverse-engineer any part of the Platform; (b) remove any proprietary notice; (c) scrape, mine, redirect or republish content; or (d) use the Platform to build any competing service.
13. Suspension & Termination
We may, at our sole discretion and without prior notice, suspend, restrict or terminate your access to the Platform, remove content or withhold pending payouts if we reasonably believe you have breached these Terms, the [Privacy Policy](/privacy), applicable law, or the referral / anti-fraud policies. The disclaimer of warranties, limitation of liability, indemnification, arbitration and governing-law provisions survive termination.
14. Disclaimer of Warranties
THE PLATFORM AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, ACCURACY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE OR FREE OF VIRUSES, OR THAT INFORMATION ON THE PLATFORM IS COMPLETE OR CURRENT. YOU USE THE PLATFORM AT YOUR OWN RISK.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITSIN, ITS DIRECTORS, EMPLOYEES, AFFILIATES AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL OR BUSINESS OPPORTUNITY, HOWSOEVER CAUSED AND UNDER ANY THEORY OF LIABILITY. OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM SHALL NOT EXCEED INR 1,000 (Rupees One Thousand only).
16. Indemnification
You agree to indemnify, defend and hold harmless Creditsin, its directors, officers, employees, affiliates and partners from and against any claims, demands, losses, damages, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with (a) your breach of these Terms or the Privacy Policy; (b) your violation of any applicable law; (c) your infringement of any third-party right; or (d) any information you submit that is false, misleading or fraudulent.
17. Force Majeure
We shall not be liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, fire, flood, pandemic, riots, war, terrorism, cyber-attacks, hacking, denial-of-service, strikes, government action, failure of internet or telecom infrastructure, or vendor outages.
18. Assignment
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may freely assign our rights and obligations to any affiliate, successor or acquirer in connection with a merger, acquisition, reorganisation or sale of assets.
19. Severability & Waiver
If any provision of these Terms is held invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary and the remaining provisions shall remain in full force. Our failure to enforce any right or provision shall not be deemed a waiver of that right unless acknowledged by us in writing.
20. Governing Law & Dispute Resolution
These Terms are governed by the laws of India. Any dispute arising out of or in connection with these Terms shall be referred to binding arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Bengaluru, Karnataka, and the language English. Subject to arbitration, the courts at Bengaluru, Karnataka shall have exclusive jurisdiction.
21. Grievance Officer
In accordance with the Information Technology Act, 2000 and Rules made thereunder and the DPDP Act, 2023:
Complaints are acknowledged within 48 hours and resolved within 30 days. For the full three-level escalation matrix and external escalation to the Data Protection Board of India / RBI, please see our [Grievance Redressal Policy](/grievance-policy).