1. Agreement to Terms
These Terms & Conditions (“Terms”) govern your access to and use of the website and services operated under the brand name Credly India, owned by Mayank Sneh (“Credly”, “We”, “Us”, or “Our”).
By accessing or using this platform, you (“User”, “You”, or “Your”) confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use this platform.
2. Nature of Services
Credly India is an independent online platform that:
- Provides information and comparison of credit cards and financial products
- Facilitates applications through third-party affiliate links
- Offers consultation and guidance for selecting suitable credit cards
Credly India acts solely as a facilitator and information provider.
We do not:
- Issue credit cards or financial products
- Provide loans or credit facilities
- Act as a bank, NBFC, or financial institution
All products are offered by third-party banks or financial institutions (“Financial Partners”), and all decisions are made solely by them.
3. No Affiliation or Regulatory Status
Credly India:
- Is not affiliated with any bank or financial institution
- Is not registered with the Reserve Bank of India (RBI)
- Does not hold any license for lending, broking, or financial advisory services
4. Affiliate Disclosure
Credly India may earn a commission or referral fee when users click on affiliate links or apply for and get approved for financial products. This comes at no additional cost to you but may influence product placement or ranking.
5. Eligibility
You confirm that:
- You are at least 18 years old
- You are legally capable of entering into a contract under Indian law
- You provide accurate and complete information
6. User Consent to Communication
By submitting your details, you consent to being contacted via phone, SMS, WhatsApp, or email.
This applies even if your number is registered under Do Not Disturb (DND), as the contact is initiated based on your request.
7. Data Usage & Sharing
Your information may be shared with financial partners or service providers to facilitate services. This may include eligibility checks or credit checks (if applicable).
All data is handled as per our Privacy Policy.
8. No Guarantee or Warranty
Credly India does not guarantee:
- Approval of any credit card application
- Specific credit limits, fees, or benefits
- Accuracy of third-party information
9. Limitation of Liability
Credly India shall not be liable for:
- Rejection of applications by financial partners
- Any financial loss or damages
- Errors or changes in third-party offerings
10. Consulting Disclaimer
Any consultation provided is for informational purposes only and does not constitute financial, legal, or tax advice.
11. User Responsibilities
You agree to:
- Provide accurate information
- Use the platform lawfully
- Not engage in fraudulent or misleading activities
12. Account & Security
If you create an account, you are responsible for maintaining its confidentiality and all activities under it.
13. Intellectual Property
All content on this platform is owned by Credly India and protected by applicable laws. Unauthorized use is prohibited.
14. Modifications to Terms
We may update these Terms at any time without prior notice. Continued use of the platform indicates acceptance of updated Terms.
15. Termination
We reserve the right to suspend or terminate access for violations or suspicious activity.
16. Governing Law & Jurisdiction
These Terms are governed by the laws of India. Jurisdiction: Courts of Ahmedabad, Gujarat.