Terms of Service

1. Acceptance of Terms

By accessing or using the Credilo platform ("Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service. Credilo reserves the right to update these terms at any time. Continued use after changes constitutes acceptance.

2. Description of Service

Credilo is a loan readiness intelligence tool that helps business owners, financial advisors, and DSA agents assess loan eligibility before applying. The platform analyses uploaded financial documents (bank statements, GST data) and generates readiness reports with lender matching.

Credilo is not a lender, financial institution, or loan marketplace. We do not disburse loans, guarantee approvals, or charge commissions on loan disbursements.

3. User Accounts

• You must provide accurate information during registration.
• You are responsible for maintaining the confidentiality of your account credentials.
• One account per individual or business entity.
• You must be at least 18 years old to create an account.

4. Data Usage

Documents you upload (bank statements, GST certificates, KYC documents) are used solely for generating your loan readiness analysis. We do not share your raw documents with third parties without your explicit consent. See our Privacy Policy for details.

5. Prohibited Activities

You agree not to:

• Upload fraudulent, tampered, or fabricated financial documents.
• Use the platform to facilitate money laundering or other illegal activities.
• Attempt to reverse-engineer, scrape, or copy the platform's analysis engine.
• Share your account credentials with unauthorised parties.
• Use automated tools (bots, scrapers) to access the Service without permission.
• Misrepresent readiness reports to lenders or third parties.

6. Readiness Reports and Disclaimers

Readiness scores, lender matches, and recommendations provided by Credilo are indicative and not guaranteed. Final loan approval depends on the lending institution's own assessment, policies, and due diligence. Credilo is not liable for any loan rejection or adverse outcome arising from reliance on our reports.

7. Intellectual Property

All content, algorithms, scoring models, report formats, and branding on the platform are the intellectual property of Credilo. You may not reproduce, distribute, or create derivative works without written permission.

8. Limitation of Liability

To the maximum extent permitted by law, Credilo shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount paid by you (if any) in the 12 months preceding the claim.

9. Termination

We may suspend or terminate your access if you violate these terms. You may delete your account at any time by contacting support. Upon termination, your uploaded documents and generated reports will be deleted within 30 days.

10. Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

11. Contact

For questions about these terms, contact us at:
Email: support@credilo.in
Web: credilo.in/contact

Last updated: May 2026

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