Terms & Conditions

Effective Date: July 3, 2025

Welcome to KreditFin.com. These Terms & Conditions (“Terms”) govern your access to and use of our website, tools, WhatsApp-based AI chatbot, and any services provided by KreditFin (“we”, “us”, “our”).

By accessing or using www.kreditfin.com and associated services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of our website and services immediately.

  1. Eligibility

You must be at least 18 years old and capable of entering into a legally binding contract under applicable law to use this site or interact with our AI chatbot.

  1. Services Provided

We offer the following services:

  • Financial calculators (EMI, FD, SIP, Loan Eligibility, Insurance, etc.)
  • WhatsApp-based AI Chatbot for financial assistance
  • Referral-based assistance in connecting with banks or NBFCs for financial products like personal loans

Note: KreditFin is not a bank or NBFC. We do not lend money directly. We work with verified financial institutions and technology partners.

  1. User Responsibility

By using KreditFin.com or our chatbot, you agree to:

  • Provide accurate information where required
  • Not use our tools or chatbot for fraudulent, abusive, or illegal activities
  • Be solely responsible for your actions and decisions based on any information received
  • Acknowledge that financial results or suggestions from our tools are estimates only, not financial advice
  1. Privacy & Data Use

We take privacy seriously. Please review our Privacy Policy to understand how we collect and use information.
Our financial calculators do not collect personal data, and WhatsApp interactions are used only to assist you as per your consent.

  1. WhatsApp Chatbot Usage

When interacting with our WhatsApp AI chatbot:

  • You agree to receive responses and automated financial assistance
  • You grant us permission to process the information you voluntarily share
  • You acknowledge that communication may be recorded for support or compliance

We do not spam, and all interactions are user-initiated.

  1. Third-Party Services & Referrals

KreditFin may refer you to third-party financial institutions. In such cases:

  • We are not responsible for the decisions or actions of those third parties
  • You should review the terms, conditions, and privacy policies of such institutions independently
  • Any agreement you enter into with them is solely between you and the third party
  1. Intellectual Property

All content on KreditFin.com—including calculators, code, designs, text, graphics, and logos—is the intellectual property of KreditFin unless otherwise stated.

You may not:

  • Copy, reproduce, or redistribute our tools or content
  • Use our services for resale or commercial exploitation
  • Modify or reverse-engineer any part of the platform
  1. Disclaimer of Warranties

All services are provided “as-is” and “as-available”.

We do not guarantee:

  • That all information will be 100% accurate or up-to-date
  • That the site or chatbot will always function without interruption or errors
  • That the financial suggestions or results will suit your individual needs

Use of our platform is at your own risk.

  1. Limitation of Liability

KreditFin, its partners, or employees will not be liable for any direct or indirect loss, including but not limited to:

  • Financial loss from using calculators or AI chatbot
  • Delay or failure in securing loans or insurance
  • Technical errors or bugs in tools or site
  1. Indemnity

You agree to indemnify and hold harmless KreditFin, its affiliates, employees, and partners from any claims or liabilities arising out of your use of our platform, services, or any violation of these Terms.

  1. Termination

We reserve the right to suspend or terminate your access to the platform if:

  • You violate these Terms
  • Your use causes harm or risk to our systems or partners
  • You attempt to misuse our chatbot or tools

We may also discontinue any part of our services at our discretion.

  1. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert City, e.g., Mumbai, Maharashtra], India.

  1. Changes to Terms

We may revise these Terms at any time without prior notice. Updated terms will be posted on this page with a new effective date. Continued use of the platform after changes constitutes your acceptance.

  1. Contact Us

If you have any questions regarding these Terms:

📧 Email: support@kreditfin.com
🌐 Website: https://www.kreditfin.com