Terms & Conditions

The ground rules for using Creddo's website and services.

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1. Agreeing To These Terms

By opening or using the Creddo website and services you accept these Terms and Conditions ("Terms"), which form a legally binding agreement between you and Creddo If you don't accept them, please refrain from using our services.

2. What Creddo Does

Creddo operates as an authorised financial services provider and intermediary, introducing individuals and businesses to loans, credit cards, and insurance offered by various banks and Non-Banking Financial Companies (NBFCs).

We are not a bank, lender, or insurance company. We help you find and apply for suitable products; the final say on approval, pricing, and conditions always belongs to the bank or NBFC concerned.

Think of us as the bridge between you and our partner institutions — our job is to surface the options that best match your profile and requirements, and to make the journey to them simpler.

3. Who Can Use Our Services

  • You must be at least 18 years old
  • You must be a resident of India
  • You must provide accurate and complete personal information
  • You must have the legal capacity to enter a binding agreement

4. What We Expect From You

  • Give truthful, accurate, and complete information in every application and form
  • Never pose as another person or entity
  • Never use the website for unlawful or fraudulent ends
  • Keep any login credentials confidential
  • Alert us immediately if your account is used without authorisation
  • Don't interfere with the website's proper functioning

5. How Applications Move

  1. Our team receives and reviews the details you submit
  2. A specialist contacts you to understand what you need
  3. Your application goes to the appropriate bank or NBFC
  4. The institution may contact you directly through its official channels
  5. The institution alone decides on approval, terms, and disbursement

Creddo cannot and does not guarantee that any application will be approved. Every decision rests on the institution's own policies, eligibility rules, and credit assessment.

6. Fees

Creddo's advisory and product-matching services cost you nothing. Our income comes from commissions paid by partner institutions on successful referrals.

Processing fees, interest, annual charges, and similar costs belong to the bank or NBFC's product and will be disclosed to you before you finalise anything.

7. Promotional Offers

Creddo may run promotions from time to time — for instance, a complimentary gift such as premium wireless earbuds or a leather bag set on credit card approval. Every such offer is subject to:

  • The bank approving the financial product
  • The specific terms published alongside each offer
  • Stock availability (while supplies last)
  • Gift models being sourced through official channels, which may include international or global variants depending on availability
  • Your right to decline any promotional gift at any time
  • Creddo's sole discretion to change or withdraw any offer

Further notes on promotional gifts:

Complimentary gifts form part of promotional campaigns and depend on availability. Where a brand is mentioned, it is for general representation only and implies no association with that brand.

Gift models may include international or global variants, and a replica version of a referenced product may be supplied as the promotional gift.

Design, features, and appearance may differ from branded equivalents.

You may decline or return any promotional gift at any time.

These items are offered in goodwill. Because they are promotional and not sold, the company accepts no liability for product-related concerns — though every financial-service commitment remains fully the company's responsibility.

8. Intellectual Property

All text, graphics, logos, images, videos, and software on this website belong to Creddo and are protected by copyright and trademark law. Reproducing, distributing, or adapting any of it requires our written consent.

9. Limits On Our Liability

To the fullest extent the law allows:

  • Creddo is not liable for direct, indirect, incidental, or consequential damage arising from use of our services
  • Delays, errors, or failures in approval processes caused by a bank or NBFC are outside our responsibility
  • We cannot vouch for the accuracy of information supplied by third-party institutions
  • Our total liability can never exceed whatever amount (if any) you have paid us for our services

10. Indemnity

You agree to indemnify and hold harmless Creddo and its directors, employees, and agents against claims, damages, losses, or costs arising from your use of the website, breach of these Terms, or infringement of third-party rights.

11. Links To Other Sites

The website may link to third-party sites, including bank portals and application pages. Their content, privacy practices, and conduct are not ours to control, and you interact with them at your own risk.

12. Governing Law

These Terms are governed by the laws of India. Disputes arising under them fall under the exclusive jurisdiction of the courts of Pune, Maharashtra.

13. Changes To These Terms

Creddo may revise these Terms at any time; revisions appear on this page with an updated date. Continuing to use our services after a change means you accept the revised Terms.

14. Suspension & Termination

We may suspend or end your access to our services without notice if we believe you have broken these Terms or acted fraudulently.

15. Contact

Questions about these Terms are welcome:

  • Email: info@creddo.com
  • Phone: +91 78878 02772
  • Address: Creddo, Near SP Infocity, Phursungi, Pune, Maharashtra 412308

Last updated: July 3, 2026