These Terms of Use (“Terms”) govern your access to and use of the Credofina website, mobile application, and any related services provided by Credofina Fintech Private Limited. By accessing or using our services, you agree to be bound by these Terms.
To use our loan services, you must:
• Be at least 18 years old
• Be a resident of India
• Provide accurate KYC and financial information
• Not be barred under any applicable laws from receiving financial services
When using our platform, you agree to:
• Provide accurate, complete, and updated information
• Not engage in fraudulent, illegal, or abusive activities
• Maintain confidentiality of your login details
• Use the platform only for legitimate financial needs
Credofina is legally required to collect and verify identity documents such as:
• PAN Card
• Aadhaar details (digital/e-verification)
• Contact details
This information is used strictly for compliance, verification, and loan processing purposes.
By using our services, you authorize Credofina to:
• Retrieve your credit score from CIBIL, Equifax, Experian, or CRIF
• Analyse your financial and SMS data for risk assessment
• Use AI-driven and digital evaluation systems
All loans are subject to approval based on internal credit policies. Interest rates, charges, eligibility criteria, and repayment terms will be clearly disclosed before final approval.
You agree NOT to:
• Misuse the platform for fraudulent loan applications
• Provide false or misleading documents
• Engage in activities that may harm Credofina’s systems or reputation
All content, branding, trademarks, logos, and design elements on the platform belong exclusively to Credofina. Unauthorized copying or reproduction is prohibited.
Credofina is not responsible for:
• Technical failures or downtime
• Loss of data due to user negligence
• Unauthorized access resulting from user sharing login details
Credofina reserves the right to update or modify these Terms at any time. Continued use of the platform implies acceptance of the revised Terms.
For any legal or service-related queries, contact us:
Credofina Fintech Private Limited
Lower Ground Floor, Saket Salcon Rasvilas,
Saket District Centre, Sector 6, Pushp Vihar,
Next to Select City Walk Mall, Delhi 110017
Email: contactus@credofina.com