Acceptance of Terms
By accessing or using Credwise’s products, software, services, and website (collectively referred to as the “Services”), you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions (“Terms”). Continued use of the Services constitutes acceptance of these Terms. We recommend you review these Terms carefully and retain a copy for future reference.

Business Activity of Credwise
Credwise operates as a financial marketplace, facilitating access to loans, credit cards, insurance (life and general), investment products, and other financial solutions through its web platform and partner network. The information and data you provide to Credwise will be used to enable, support, and enhance the delivery of these services.

Proprietary Rights
All rights, titles, and interests in the Services, including but not limited to intellectual property rights, trademarks, logos, and technology, are the exclusive property of Credwise. The Services may include proprietary or confidential information, which you agree not to disclose without prior written consent from Credwise. Unauthorized use, duplication, or distribution of any material on the Services is strictly prohibited.

Usage of the Website

• The Services are intended for personal and non-commercial use only.
• You must be of legal age and capable of entering into binding contracts to register and use the Services.
• You are solely responsible for safeguarding your login credentials, passwords, and account information. Any activity conducted using your account will be deemed as your responsibility.
• You agree not to:

1. Make fraudulent or misrepresentative applications.
2. Use the website for any unlawful purpose.
3. Breach applicable laws, regulations, or third-party rights.

• Credwise reserves the right to suspend, restrict, or terminate your access to the Services at its sole discretion, without prior notice.
  

Partner Services & Third-Party Products
Credwise facilitates access to third-party loan providers, insurers, and financial institutions. While we strive to partner only with credible institutions, we:

• Do not endorse, guarantee, or assure approval of any financial product.
• Are not liable for the accuracy, completeness, or timeliness of information provided by third parties.
• Are not responsible for the acts, omissions, warranties, or representations of these third parties.
  Your interaction with third-party providers is entirely at your own risk.
  

Disclaimer of Warranty
The website and Services are provided on an “as is” and “as available” basis. Credwise expressly disclaims all warranties, whether express or implied, including:

• Merchantability, fitness for a particular purpose, or non-infringement.
• Accuracy, timeliness, completeness, or relevance of information.
• Continuous, uninterrupted, or error-free access to the Services.
• That outcomes, approvals, or disbursals will meet user expectations.

Limitation of Liability
Credwise, including its officers, employees, partners, and affiliates, shall not be held liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages.
• Losses caused by system errors, delays, viruses, or inability to access the Services.
• Damages resulting from third-party interactions, negligence, or inaccuracies.

Additional Terms
Assignment – You may not assign or transfer your rights or obligations under these Terms. Credwise may assign its rights without prior notice.
Waiver – Failure or delay by Credwise in enforcing any right does not constitute a waiver.
Modification – Credwise reserves the right to modify these Terms at any time by posting updates on the website. Continued use of the Services after such updates constitutes acceptance of the modified Terms.
Severability – If any provision of these Terms is held invalid, the remainder shall continue in full effect.
Entire Agreement – These Terms constitute the entire agreement between you and Credwise and supersede prior agreements regarding the use of the Services.
Applicable Laws – These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Bangalore, India.

Feedback
Your feedback helps us improve. By sharing feedback or testimonials, you consent to Credwise using your comments, name, and company details (if applicable) for promotional purposes across digital or offline media. Submitted ideas or materials become the property of Credwise, and you waive any claim to compensation or credit. Please refrain from submitting confidential or proprietary business information.