Terms & Conditions

By accessing the Website, submitting an enquiry, registering as a referral partner, or otherwise engaging with our services, you (the “Client”, “User”, or “You”) confirm that you: (i) are at least 18 years of age and competent to contract under the Indian Contract Act, 1872; (ii) have read and understood these Terms; and (iii) agree to be bound by them. If you do not agree, please do not use the Website or our services.

• Credora Fintech is a loan structuring and financial advisory firm operating as an intermediary between businesses/professionals seeking funding and a network of 70+ banks and NBFCs.
• Credora Fintech is not a bank, NBFC, or direct lender. We do not sanction, fund, underwrite, or disburse any loan, and these Terms do not constitute a loan agreement.
• Our services include pre-underwriting and loan structuring, fund-raising support, cash flow analysis, credit repair services, and end-to-end documentation and coordination support, as described on the Website.

• Pursuant to an enquiry made by you through our Contact Us / Inquiry form (capturing your full name, business name, business type/industry, funding requirement in ₹, phone number, email address, and a description of your requirement), phone, or any other channel, Credora will seek to understand your funding requirement and financial profile.
• Financial documents, KYC details, or bank statements are requested only after an enquiry call and through secure channels, not through the Website's general forms.
• Based on the information and documents provided, Credora will assess your eligibility, identify suitable lenders, and structure your application for submission.
• Credora may, at its discretion, decline to take on an engagement, including where the funding requirement does not align with our network's lending criteria.
• Submission of an enquiry does not create any obligation on Credora or any lender to engage with, approve, or fund your request.

You acknowledge and agree that:

• Credora does not guarantee approval, sanction, disbursal, or specific terms (interest rate, tenure, or amount) for any loan or funding application.
• All lending decisions are made solely at the discretion of the relevant bank or NBFC, based on their own credit policies, underwriting standards, and assessment of your application.
• Credora's role is limited to assessment, structuring, and presentation of your application; we do not control, influence, or guarantee the lender's final decision.
• Approval timelines, interest rates, and terms communicated by Credora during the advisory process are indicative only and subject to final confirmation by the lender.

• Credora does not charge clients any advisory or service fee for facilitating introductions to lending partners; our revenue is earned through arrangements with the banks and NBFCs in our network.
• Credora does not collect any upfront payment, processing fee, or "guarantee" fee from Clients in exchange for loan approval, sanction, or disbursal.
• Please exercise caution regarding any individual or third party claiming to represent Credora and demanding upfront payment for loan approval. You may verify the authenticity of any such communication by contacting us directly using the details in Section 17.

By engaging with Credora, you represent and warrant, on a continuing basis, that:

• You are competent to contract and all information provided by you is true, accurate, current, and complete, and no material information has been suppressed or withheld.
• There is no legal impediment preventing you from entering into or performing your obligations in connection with the services sought.
• You will promptly inform Credora of any change in your contact details, business circumstances, or information previously provided that may affect your funding application.
• You will use any funds obtained through lenders introduced by Credora only for lawful purposes, and not for speculative, illegal, or anti-social activities, or any purpose restricted by the RBI from time to time.
• You will provide complete and accurate financial information and documents as reasonably requested, and authorise Credora to share relevant information with banks/NBFCs in our network for processing your funding requirement.
• You will promptly notify Credora of any change in circumstances — including litigation, default with any other lender, or change in business status — that may be relevant to your application.

Credora will handle information shared by you in accordance with our Privacy Policy, available on the Website.

Credora's Referral Partner Program (“Refer, Earn, Grow Together”) allows individuals such as chartered accountants, financial advisors, business consultants, relationship managers, real estate agents, builders, and other professionals with a network of business owners to refer prospective clients to Credora.

By registering through our Referral Partner form, you agree to:

• Provide accurate information at the time of registration and onboarding
• Comply with any additional terms, the applicable reward structure, and conduct guidelines communicated by Credora at the time of onboarding
• Refrain from making any representation, promise, or guarantee on Credora's behalf, including any promise of loan approval, beyond what is expressly authorised
• Not collect or demand any upfront payment from a referred client in Credora's name; any such conduct is a serious breach of these Terms

How it works: (i) you refer a business or individual with a funding requirement; (ii) Credora's team reaches out, assesses the requirement, and takes the engagement forward; (iii) once a loan is sanctioned and disbursed through a lender in our network, you become eligible for a referral reward.

Referral rewards are payable only upon successful disbursal of a loan to the referred client, are calculated as per the structure communicated to you at the time of onboarding (which may be revised by Credora from time to time, with prior notice), and are at Credora's sole discretion to determine, verify, and process. No reward is payable where a referral does not result in disbursal, or where it is later discovered that the referred client provided false information or the disbursal is reversed/cancelled.

You agree to use the Website and the customer/partner login portal only for lawful purposes and in a manner consistent with these Terms. Where account registration is required:

• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account
• You must notify Credora immediately of any unauthorised use of your account or any breach of security
• Credora reserves the right to suspend or terminate access where information provided is false, misleading, or where these Terms are breached

All content on the Website, including text, graphics, logos, the Credora name, and brand marks, is the property of Credora Fintech Pvt Ltd or its licensors and is protected under applicable intellectual property laws. You may not reproduce, copy, distribute, or create derivative works from any part of the Website without our prior written consent.

The Website may use or link to third-party tools, including Google Analytics, Meta/Facebook advertising tools, WhatsApp Business API, and Zoho CRM, for analytics, communication, and relationship management. Credora is not responsible for the practices, content, or availability of such third-party tools or linked websites, which are governed by their own terms and privacy policies.

• Credora is an advisory intermediary and not a lender. All lending decisions rest solely with the bank or NBFC concerned.
• Information provided on the Website is for general informational purposes only and does not constitute financial, legal, tax, or investment advice. You should consult a qualified professional before making any financial decision.
• Interest rates, eligibility criteria, processing fees, and other terms displayed on the Website are indicative and subject to change at the lender's discretion.
• Credora does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

To the maximum extent permitted by applicable law, Credora, its directors, employees, and representatives shall not be liable for:

• Any rejection, delay, or modification of loan terms by a bank or NBFC
• Any indirect, incidental, special, or consequential loss or damage arising from your use of the Website or our services
• Any loss arising from inaccurate or incomplete information provided by you
• Any interruption, error, or unavailability of the Website or login portal

Our total liability, where it arises, shall not exceed the amount, if any, paid by you directly to Credora for the specific service giving rise to the claim. Nothing in these Terms limits liability that cannot be limited under applicable Indian law.

You agree to indemnify and hold harmless Credora and its directors, employees, and representatives from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from your breach of these Terms, misuse of the Website, or provision of false or misleading information.

These Terms remain in effect for as long as you use the Website or our services. Credora reserves the right to suspend or terminate your access to the Website, login portal, or our advisory services, without prior notice, where we reasonably believe you have violated these Terms, provided false information, or engaged in fraudulent or unlawful conduct. Termination shall not affect any rights or obligations that have already accrued.

• These Terms shall be governed by and construed in accordance with the laws of India.
• Any dispute, controversy, or claim arising out of or relating to these Terms or the services provided by Credora shall first be attempted to be resolved amicably through good-faith discussions between the parties. If not resolved amicably within 30 days, the dispute shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, conducted by a sole arbitrator mutually appointed by the parties. The seat and venue of arbitration shall be Chennai, Tamil Nadu, and the language of arbitration shall be English. The costs of arbitration shall be borne as determined in the arbitration award.
• Subject to the above, the courts at Chennai, Tamil Nadu, shall have exclusive jurisdiction over matters not subject to, or arising from, the arbitration proceedings.

We may revise these Terms from time to time to reflect changes in our services, business practices, or legal requirements. The updated Terms will be posted on this page with a revised “Last updated” date. Your continued use of the Website or our services after such changes constitutes your acceptance of the revised Terms.

For any questions, grievances, or notices under these Terms, please contact us: