These Terms create a binding agreement between Instant Credit ("the Company") and you upon downloading and using the Instant Credit web application ("the App"). By using the App, you acknowledge that you have read, understood, and agreed to these Terms, along with the Privacy Policy associated with the App.
These Terms outline your rights, obligations, and remedies related to your use of the App. If you do not agree with these Terms, you should not use the App.
By using the App, you represent that you are at least 18 years old or have the necessary parental or guardian consent, and are legally competent to accept these Terms.
1.1 The App provides access to loans and other credit facilities ("Credit Facilities") offered by banks, NBFCs, and other approved lending institutions ("Lenders"). It tracks, organizes, and analyzes your transaction information to offer credit products. You consent to sharing this information with Affiliates and Lenders.
1.2 "Transaction Information" refers to SMS data related to transactions from your service providers, including details like your mobile number, email address, and partial card details.
1.3 The App does not access your account login credentials or directly connect to your bank or card accounts.
1.4 "Affiliates" are entities controlled by the Company through ownership or management rights.
2.1 By using the App, you unconditionally agree to these Terms and the Privacy Policy.
2.2 Disagreeing with these Terms or the Privacy Policy means you should not use the App. The Company may amend these Terms, effective 24 hours after posting. You are responsible for checking updates.
3.1 You must comply with all laws when using the App.
3.2 The Company does not endorse or control third-party content unless stated.
3.3 The Company is not liable for delays caused by technical issues like server or network failures.
4.1 The Company may charge subscription fees in the future.
4.2 Payments must follow the Company’s accepted methods such as credit or debit cards.
5.1 The Company can terminate your access at any time without notice or liability.
5.2 Violation of rules may lead to immediate suspension or termination without prior notice.
6.1 The Company is not a lender. All Credit Facility terms are between you and the Lender.
6.2 The Company is not responsible for application rejections and need not provide reasons for refusals.
7.1 The Company disclaims all express or implied warranties to the extent permitted by law.
7.2 Use of the App is at your own risk. It is provided "as is" without guarantees.
7.3 The Company does not guarantee a virus-free or secure experience.
7.4 You accept responsibility for risks related to downloads or usage.
7.5 These Terms, including disclaimers, define your agreement with the Company.
7.6 Third-party service mentions do not imply endorsement.
8.1 All content and trademarks of the App are owned by the Company or licensors. Unauthorized use may lead to termination or legal action.
9.1 You also consent to:
The Company does not itself retrieve credit scores.
10.1 The Company and its associates are not liable for any direct or indirect damages, even if advised of the possibility.
11.1 You agree to indemnify the Company and Affiliates against any claims arising from your App usage.
12.1 These Terms are governed by Indian law. Non-Indian users also agree to Indian jurisdiction.
12.2 Disputes will be resolved through arbitration in Bangalore as per the Arbitration and Conciliation Act, 1996.
13.1 Notices: Must be sent by registered mail or a recognized courier.
13.2 Force Majeure: Delays due to events beyond control will be excused.
13.3 Severability: Invalid provisions will not affect others.
13.4 No Waiver: Not enforcing a right does not waive it.
13.5 Assignment: You may not transfer your usage rights to anyone else.
13.6 Communications: You agree to receive promotional communications, even if previously registered under DND or DNC.