This Agreement sets forth the terms and conditions applicable to the access and use of the website www.CreditRupya.com and its associated services (collectively referred to as the “Website”), which is owned, managed, and operated by Square Ring Enterprise Pvt. Ltd. (hereinafter referred to as the “Company” or “Credit Rupya”), a company incorporated under the laws of India and registered under the Companies Act, 2013.

1. Description and Acceptance of Services

Credit Rupya offers users access to a range of financial products and services including, but not limited to credit card comparisons, loan facilitation, Saving Account(collectively, "Services").
In addition, we provide ancillary services such as credit score checks, data retrieval from third-party platforms (e.g., bank portals), and promotional offers. These services are provided on a commercially reasonable basis, and your usage constitutes voluntary consent.
By using our services, you authorize us to share your information with affiliated partners and service providers for service fulfillment, marketing, and legal compliance. You consent to receive communication from us and our partners via SMS, email, or phone, even if your number is registered under DND/NDNC.

2. License and Website Access

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial use. You agree not to:
• Use the Website or its content for commercial gain
• Copy, download, or reuse content for third-party use
• Modify, reverse engineer, or attempt to extract source code
• Use bots, spiders, or other automated systems to access the Website
• Deep link or frame any part of the Website without permission
Unauthorized use terminates your access and may lead to legal action.

3. Privacy Policy

By using our Website, you agree to the terms of our Privacy Policy, which governs our collection, use, and protection of your personal data. Please review it carefully to understand how we handle your information.

4. Eligibility

You must be at least 21 years old and capable of entering into a binding legal contract under Indian law to use this Website.

5. Third-Party Links and Services

Our Website may contain links to third-party websites and services. We are not responsible for the practices or content of these third parties. Accessing these is at your own risk.

6. Disclaimer of Warranties

The services and content on this Website are provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness, or reliability of information on the Website. Financial decisions must be made at your own discretion.

7. Limitation of Liability

We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the Website and services.

8. Indemnification

You agree to indemnify, defend, and hold harmless Credit Rupya and its affiliates from any claims, liabilities, damages, or expenses arising out of your use of the Website or violation of these TOU.

9. Modification of Terms

We reserve the right to modify these TOU at any time. Continued use of the Website after changes constitutes acceptance of the new terms. Please review this page periodically.

10. Termination

We may suspend or terminate your access to the Website for any reason, including violation of these TOU, without notice.

11. Governing Law and Jurisdiction

These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of the courts in New Delhi.