These Terms and Conditions govern your access to and use of KredBharat, operated by Twominutes Fintech Pvt. Ltd. in association with its lending partner, AGF Finlease India Limited. By accessing, browsing, or using the Website/App, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions, along with all applicable policies and guidelines.
These Terms and Conditions govern your use of KredBharat. By accessing or using the Website/App, you agree to abide by these terms.
KredBharat serves as a third-party platform connecting users with various financial institutions/lenders. We do not provide financial services ourselves but facilitate connections.
You must be at least 18 years old and have the legal capacity to use our services.
You agree to provide accurate, complete, and up-to-date information when using the Website/App.
We are not responsible for any inaccuracies or errors in the information provided by Lenders. It is your responsibility to verify the terms and conditions of any product before proceeding.
The offers are provided by Lenders and not by us. We do not endorse or guarantee the accuracy, availability, or suitability of these offers.
Your interaction with Lenders, including applying for any of their products, is at your own risk. We are not liable for any disputes, losses, or damages arising from your interactions with Lenders.
We collect and process personal data in accordance with our Privacy Policy. By using the Website/App, you consent to the collection, use, and sharing of your data as outlined in the Privacy Policy.
The Website/App and its contents, including but not limited to text, graphics, logos, button icons, images, audio clips, and software, are the property of the Company or its licensors and are protected by copyright and other intellectual property laws.
You may not modify, reproduce, distribute, display, perform, publish, transmit, create derivative works, or exploit any part of the Website/App without our prior written consent.
To the extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Website/App or reliance on any information provided.
We do not provide any warranties or representations regarding the accuracy, reliability, or availability of the App. The App is provided "as is" without warranty of any kind.
You agree to indemnify and hold us harmless from and against any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable attorney's fees, arising out of your use of the Website/App or violation of this Agreement.
We reserve the right to suspend or terminate your access to the Website/App at our discretion, without notice, for any reason, including but not limited to a violation of these terms.
We may modify these terms at any time, and such modifications will be effective immediately upon posting. Your continued use of the Website/App after any changes constitute your acceptance of the modified terms.
At KredBharat, we understand that you may wish to cancel a service or product application under certain circumstances. Cancellation requests will be reviewed by our team, and a response will be provided within 48 hours of receiving the request.
Please note that cancellations are allowed only for valid and legitimate reasons and must comply with the terms and conditions of the respective financial product. Once an application (such as for a loan, credit card, or insurance) has been submitted, its cancellation will depend on the product’s eligibility for withdrawal at that stage and is subject to final confirmation.
We encourage users to thoroughly review all details and terms before submitting an application.
At KredBharat, we are committed to providing a transparent and seamless experience while helping you explore and compare loan options from trusted lending partners.
As KredBharat operates as an aggregator platform and does not directly provide financial products or services, we do not charge users for loan approvals or disbursals, and therefore, no refunds are applicable for such outcomes. Any decision related to loan approval, terms, or disbursal is made solely by the respective lending partner.
In cases where a user may have opted for any value-added services or reports offered on the platform, all purchases are considered final and non-refundable once the service has been accessed, delivered, or initiated. We encourage users to review the details of any service carefully before making a purchase to ensure it meets their requirements.
If you have any questions or concerns about these terms, please contact us at [email protected].
By using the KredBharat Website/App, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.