Terms & Conditions

Welcome to CreditVanta.com (“Website”, “we”, “our”, “us”). These Terms & Conditions (“Terms”) govern your access and use of our website, tools, calculators, articles, newsletters, and any associated services.

By visiting, accessing, or using CreditVanta.com, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must immediately discontinue use of this Website.

1. Legal Nature of Agreement

These Terms constitute a binding legal contract between you (“User”, “You”) and CreditVanta.com. They are enforceable under the Indian Contract Act, 1872. By continuing to use our services, you affirm that you are:

  • A natural person above 18 years of age, competent to contract under Section 11 of the Indian Contract Act, 1872.
  • Accessing this Website for lawful purposes only.

2. Nature of Services

CreditVanta.com is a financial literacy platform providing:

  1. Free-to-use online calculators (e.g., CIBIL Score Savings Calculator).
  2. Educational articles, blogs, and newsletters about credit scores, EMIs, loans, and personal finance.
  3. General awareness content regarding financial planning.

We are NOT a bank, NBFC, credit bureau, or financial intermediary. We do not provide direct loans, investment advice, or regulated financial services.

3. Accuracy of Information

  • The calculators and tools provided are illustrative in nature, based on publicly available data, formulas, and assumptions.
  • Actual loan terms depend upon banks, NBFCs, and lenders, subject to their policies and your individual creditworthiness.
  • While we strive for accuracy, we do not warrant that all content, figures, or calculations are error-free, updated, or suitable for your specific needs.

4. User Obligations

By using this Website, you agree that you shall not:

  • Use the site for unlawful, fraudulent, or malicious purposes.
  • Enter false, misleading, or fabricated data.
  • Copy, reproduce, or commercially exploit any part of this Website without written consent.
  • Introduce viruses, trojans, bots, or any harmful technology.
  • Engage in activities that may harm our goodwill, reputation, or operations.

5. Intellectual Property

  • All content, design, trademarks, calculators, and code on this Website are the intellectual property of CreditVanta.com, protected under the Copyright Act, 1957 and the Trade Marks Act, 1999.
  • You are granted a limited, non-exclusive, non-transferable license to use the Website for personal, non-commercial purposes.
  • You may not reproduce, republish, or distribute our content without express permission.

6. Third-Party Links & Advertisements

  • Our Website may contain links to third-party websites, advertisements, or Google AdSense placements.
  • We do not control, endorse, or guarantee the content, policies, or practices of such third parties.
  • Clicking on such links is at your sole discretion and risk.

7. No Financial / Legal Advice

All content on CreditVanta.com is for educational and informational purposes only.

  • We are not a SEBI-registered investment advisor, RBI-regulated entity, or legal consultant.
  • Nothing on this Website constitutes professional financial, investment, or legal advice.
  • You must consult a qualified financial advisor, lawyer, or registered intermediary before making any financial decisions.

8. Limitation of Liability

To the maximum extent permitted by Indian law:

  • CreditVanta.com, its owners, employees, or affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from use of this Website.
  • This includes but is not limited to, loss of data, financial loss, missed opportunities, or inaccurate loan decisions based on our calculators.
  • Your sole remedy is to discontinue use of this Website.

9. Data Protection & Privacy

Your use of this Website is also governed by our Privacy Policy, which is an integral part of these Terms.

10. Governing Law & Jurisdiction

  • These Terms are governed by and shall be construed in accordance with the laws of India.
  • Any disputes shall fall within the exclusive jurisdiction of the courts of [Insert City, e.g., New Delhi/Mumbai].
  • You consent to submit to the jurisdiction of such courts.

11. Indemnity

You agree to indemnify, defend, and hold harmless CreditVanta.com, its owners, and employees against any claims, damages, liabilities, or expenses arising from:

  • Your misuse of the Website.
  • Violation of these Terms.
  • Breach of applicable laws.

12. Amendments

We reserve the right to amend, modify, or replace these Terms at any time without prior notice. Continued use after such changes constitutes acceptance of the revised Terms.

13. Force Majeure

We shall not be liable for failure to perform obligations where such failure arises due to events beyond our reasonable control, including natural disasters, cyberattacks, governmental actions, or internet outages.

14. Termination of Access

  • We may suspend or terminate your access to the Website without notice if you breach these Terms or misuse our services.
  • Provisions relating to intellectual property, limitation of liability, indemnity, and jurisdiction shall survive termination.

15. Contact Us

For any queries, grievances, or clarifications regarding these Terms:

16. Final Declaration

CreditVanta.com is built to empower Indians with financial knowledge and transparency. These Terms are drafted in recognition of India’s evolving data protection, financial regulation, and consumer rights regime.

By using this Website, you acknowledge that knowledge is your right, but responsibility is yours.