Privacy Policy

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Terms & Conditions for CreditOClock.com

By accessing or using CreditOClock.com (“CreditOClock”, “we”, “our”, “us”, or the “Site”), you (“you”, “User”, “Customer”) agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these Terms, please do not use the Site.

1. Definitions

User: Any natural person using the Site, registering, submitting information, or applying for services.

Lender Partner: A bank, Non‑Bank Financial Company (NBFC), or other financial institution whose loan or credit products are featured on or via our Site.

Service(s): The services provided by CreditOClock, including but not limited to information, comparison of loan/credit offers, matching/referral to Lender Partners.

Personal Data / Sensitive Personal Data: As defined under applicable Indian laws (e.g. Information Technology Act, rules thereunder), including your identity, financial data, contact details, etc.

2. Nature of Services & Disclaimers

CreditOClock is not a lender. We do not approve or disburse loans. All loan decisions, interest rates, repayment terms etc. are determined by the Lender Partners.

We may provide estimates, quotes, or comparisons. These are indicative only; actual offers may vary based on your credit profile, documents, and Lender Partner policies.

We do not guarantee approval, timing, or that any particular Lender Partner will approve your application.

3. Eligibility & User Representations

By using the Site, you represent and warrant that:

You are at least 18 years old, are legally competent to enter into binding contracts under the laws applicable in your jurisdiction (in India, as per contract law).

You are an Indian citizen or otherwise legally allowed to seek credit in India, and possess valid government‑issued identity (e.g. Aadhaar, PAN, Voter ID, etc.).

All information you provide (personal, financial, documents etc.) is true, accurate, complete and up to date.

4. Account Registration & User Responsibilities

You may need to register an account to use certain features. You are responsible for safeguarding your account credentials.

Any activity under your account is deemed to be by you. You must notify us immediately of any unauthorized access.

You must use the Site and Services only for lawful purposes. You must not misuse the Site, upload false, misleading, fraudulent or harmful content, or attempt any acts that compromise security.

5. Privacy & Data Protection

We collect, use, store, share your Personal Data and Sensitive Personal Data according to our Privacy Policy, which you must read and accept.

You consent to our sharing your data with Lender Partners and other service providers as needed for matching, evaluating and processing loan applications.

We will take reasonable security measures to protect your data, but you understand that no method of transmission or storage is 100% secure.

6. Fees, Payments & Charges

Using CreditOClock to compare or discover loan offers/referrals is free of cost unless we explicitly state otherwise.

If there are any fees for premium services, advertising, or lead‑generation, these will be clearly stated and agreed to by you.

Any loan you enter into with a Lender Partner may carry fees, interest, charges etc., all of which are your responsibility.

7. Intellectual Property Rights

All content on the Site (text, graphics, logos, images, software, trademarks etc.) is owned by CreditOClock or our licensors.

You may not reproduce, distribute, adapt, modify, reverse‑engineer, or otherwise use any content except as expressly allowed by us in writing.

8. Third‑Party Links, Partners & Communications

The Site may include links or references to third‑party web sites, products or services. We do not endorse such third‑parties. Your use of them is at your own risk.

When you interact with Lender Partners, their terms and privacy policies apply.

We may send you communications (including by email, SMS, WhatsApp, phone) relating to your application, offers, service updates, marketing etc. You may opt out of marketing communications where applicable.

9. Limitation of Liability

To the maximum extent permitted by law, CreditOClock and its officers, employees, agents, representatives, partners shall not be liable for any loss or damage (direct or indirect), including but not limited to lost profits, loss of opportunity, or special, incidental, consequential or punitive damages arising from your use (or inability to use) the Site or Services.

Our total liability, if any, under or in relation to these Terms or your use of the Site shall not exceed a reasonable amount, e.g. the amount you paid to us in the prior 12 months, if applicable, or a nominal amount if no payment was made.

10. Indemnification

You agree to indemnify, defend and hold harmless CreditOClock, its officers, directors, employees, agents, affiliates, and Lender Partners from and against any claims, liabilities, losses, damages, costs (including legal fees) arising from:

Your breach of these Terms or policies;

Any false, inaccurate or misleading information you provide;

Your use of the Site in violation of law or rights of a third party;

Any loan agreement you enter with a Lender Partner.

11. Termination & Suspension

We may suspend or terminate your access to all or part of the Site, at any time, without liability, if you breach these Terms, provide false information, misuse the Site, or for other valid reasons.

On termination, obligations which by their nature should survive (e.g., indemnification, limitation of liability, intellectual property rights) remain in effect.

12. Modifications to Terms

We may change, update or modify these Terms at any time. When we do, we will revise the “Effective Date” and post the new Terms on the Site.

Your continued use of the Site after changes constitutes your acceptance of the updated Terms.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India.

Any dispute or claim arising in relation to these Terms or the Site shall first be attempted to be resolved amicably. If unresolved, you agree to submit to the exclusive jurisdiction of the courts in [City, State — e.g. Delhi, Uttar Pradesh etc.]

Where permitted, arbitration or alternative dispute resolution may be used, but this must be explicitly agreed.

14. Severability, Waiver & Miscellaneous

If any provision of these Terms is held invalid, illegal or unenforceable by a court, the remainder of the Terms shall continue in full force.

Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

These Terms, along with the Privacy Policy and any other policies expressly referenced, constitute the entire agreement between you and CreditOClock regarding the Site and Services.

15. Contact Information

For any queries, complaints, notices or otherwise, please contact:

CreditOClock.com

Email: creditoclock@gmail.com