Terms & Conditions

Terms & Conditions

Welcome to the mobile application (“Mobile App”) and/or mobile site (“Mobile Site”) owned and operated by Intraxis Solution Private Limited (“Kreditdeals”), a company incorporated under the provisions of the Companies Act, 1956 and having its registered office at 3D Sudin Bhavan, 342 Jessore Road, Lake town ,Kolkata – 700 089, West Bengal, India This document/agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011.
Before you may use the Mobile App and/or Mobile Site, you must read all of the terms and conditions (“Terms”) herein and those provided in the Privacy Policy. By downloading the Mobile App and/or using the services offered by the Mobile Site (“Services”), you understand and agree that Kreditdeals will treat your use of the Services as acceptance of these terms from such point of usage. You may not use the Services if you do not accept the Terms. If you do not agree to be bound by these Terms and the Privacy Policy, you shall not use the Mobile App/Mobile Site in any way. It is strongly recommended for you to return to this page periodically to review the most current version of the Terms.
Kreditdeals reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of the Mobile App/Mobile Site signifies your acceptance of the updated or modified Terms. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Mobile App and/or Mobile Site in any way, your only recourse is to immediately terminate use of the same.

1. Proprietary rights

  • You acknowledge and agree that Kreditdeals owns all rights, title and interest in and to the Mobile App and the Mobile Site, including any intellectual property and/or proprietary rights which may subsist in the Services (whether registered or not) offered through the Mobile App/Mobile Site. You further acknowledge that the Services may contain information which is designated confidential by Kreditdeals and that you shall not disclose such information without Kreditdeal's prior written consent.
  • Kreditdeals grants you a limited license to access and make personal use of the Mobile App and/or Mobile Site and the Services. This license does not confer any rights to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Mobile App/ Mobile Site and the Services.
  • You do not have the right to use any of Kreditdeal's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Mobile App/Mobile Site and the Services. You will not copy or transmit any of the Services.

2. Usage of the Mobile App/Mobile Site

  • The Mobile App and Mobile Site are intended for personal and non-commercial use. You may access, download and use the Mobile App and/or Mobile Site, only if you are above the age of 18 and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Mobile App and/or Mobile Site by you and anyone using your password and login information (with or without your permission).
  • You also agree to provide true, accurate, current and complete information about yourself as prompted by the Mobile App/Mobile Site. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or Kreditdeals has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, Kreditdeals has the right to suspend or terminate your account and refuse any and all current or future use of the Mobile App/Mobile Site (or any portion thereof) or the Services in connection thereto.
  • You specifically understand and agree that by using the Mobile App and/or Mobile Site you authorize Kreditdeals and its affiliates, business/non-business partners to contact you for any follow up calls in relation to the products and/or Services provided through the Mobile App/Mobile Site. You expressly waive the Do Not Call/Do Not Disturb registrations on your phone/mobile numbers for contacting you for this purpose.
  • You also agree that Kreditdeals reserves the right to make your details available to its partners and you may be contacted by such partners for information and for sales through e-mail, telephone and/or SMS. You agree to receive promotional materials and/or special offers from Kreditdeals through e-mails or SMS.
  • The usage of the Mobile App/Mobile Site may also require you to provide consent for keying in your personal information (“PI”) (including but not limited to user ids and passwords etc.), as may be necessary to process your application through this Mobile App/Mobile Site. PI keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you. Kreditdeals adheres to best industry practices of information security, data protection and privacy law while processing such applications and the PI interface where key-in of PI is required shall not be stored. Please refer to our Privacy Policy for more details. Kreditdeals shall not be liable to you against any liability or claims which may arise out of such transactions.
  • You may only use the Mobile App/Mobile Site to search for and to apply for loans, mutual funds, credit cards or other financial products as may be displayed on the Mobile App/Mobile Site from time to time and you shall not use the Mobile App/Mobile Site to make any fraudulent applications. You agree not to use the Mobile App/Mobile Site for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the Mobile App/Mobile Site is in operation in India, while using the Mobile App/Mobile Site, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Mobile App/Mobile Site.
  • You are prohibited from posting or transmitting to or through this Mobile App/Mobile Site: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Mobile App/Mobile Site.

3. Privacy policy

  • By downloading/accessing the Mobile App and/or Mobile Site, you hereby consent to the use of your information as we have outlined in our Privacy Policy.

4. Our partners

  • Display of loan, mutual funds, credit card or other financial products, offered by third parties on the Mobile App/Mobile Site does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of Kreditdeals against such third parties or their products. You agree that Kreditdeals is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Mobile App/Mobile Site is at your own risk, and Kreditdeals will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
  • You agree and acknowledge that the credit shall be at the sole discretion of Kreditdeal’s financial partners (lenders, credit card companies, mutual fund companies) while making any application through the Mobile App/Mobile Site for a financial product offered by such financial partners; Kreditdeals shall not be held liable for any delay, rejection or approval of any application made through its Mobile App/Mobile Site.
  • You agree and acknowledge that the credit shall be at the sole discretion of Kreditdeal’s financial partners (lenders, credit card companies, mutual fund companies) while making any application through the Mobile App/Mobile Site for a financial product offered by such financial partners; Kreditdeals shall not be held liable for any delay, rejection or approval of any application made through its Mobile App/Mobile Site.

5. Disclaimer of warranty

  • The Mobile App/Mobile Site and all content and Services provided on the Mobile App/Mobile Site are provided on an "as is" and "as available" basis. Kreditdeals expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Kredildeals makes warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) the Mobile App/Mobile Site will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Mobile App/Mobile Site or the Services offered through the Mobile App/Mobile Site will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Mobile App/Mobile Site will meet your expectations.

6. Limitation of liability

  • Kreditdeals (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Mobile App/Mobile Site), or (ii) any use of the Mobile App/Mobile Site or content, or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Mobile App/Mobile Site or your downloading of any content from the Mobile App/Mobile Site.
  • The Mobile App/Mobile Site may provide links to other third-party websites. However, since Kreditdeals has no control over such third-party websites, you acknowledge and agree that Kreditdeals is not responsible for the availability of such third-party websites and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third-party websites. You further acknowledge and agree that Kreditdeals shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third-party websites.

7. Indemnity

  • You agree to indemnify and hold Kreditdeals (and its officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Mobile App/Mobile Site.

8. Additional terms

  • You may not assign or otherwise transfer your rights or obligations under these Terms. Kreditdeals may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches.
  • Other terms and conditions may apply to loans, mutual funds, credit cards or other financial products that you may apply on the Mobile App/Mobile Site. You will observe these other terms and conditions. The laws of the India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of the same. If you take any legal action relating to your use of the Mobile App/Mobile Site or these Terms, you agree to file such action only in the courts located in Chennai, India. In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees.
  • You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.