Terms & Conditions

These Terms & Conditions govern your access to and use of the Kredlane website, mobile application, and related services operated by Kredlane (CIN Kredlane) (“Kredlane”, “Platform”, “we”, “our” or “us”).

By using the Platform, you agree to these Terms.

To use Kredlane, you must:

• Be at least 18 years old.
• Be an Indian resident.
• Provide accurate and complete information.
• Meet the eligibility criteria of the lending partner.

Kredlane is a digital platform that facilitates loan applications between customers and RBI-registered lending partners. Kredlane acts as a Lending Service Provider (LSP) and does not itself lend money.

Loans offered through Kredlane are sanctioned and disbursed by Kredlane (“the Company”), a Non-Banking Financial Company registered with the Reserve Bank of India (Certificate of Registration No. Kredlane).

Loan approval, sanction, disbursement, interest rates, and repayment terms are determined solely by the lending partner.

Submitting an application does not guarantee loan approval.

You agree to:

• Provide truthful information.
• Maintain confidentiality of your login credentials.
• Not misuse the Platform.
• Immediately report unauthorized access.

Users must complete identity verification through approved KYC processes. Failure to complete KYC may result in rejection or delay of loan processing.

Loan amount, tenure, interest rate, processing fee, foreclosure charges, penalties, and repayment schedule are determined by the lending partner and will be disclosed in the Key Fact Statement (KFS) and loan agreement before acceptance.

The Company shall provide the Customer with a Key Fact Statement (“KFS”) containing the material terms of the loan before execution of the loan contract.

The KFS shall contain the particulars prescribed under applicable RBI directions, including, as applicable:

• Loan amount
• Tenure
• Interest rate
• Annual Percentage Rate (APR)
• Processing fee
• Other applicable charges
• Repayment schedule
• Penal charges
• Cooling-off/look-up period
• Grievance redressal details
• Other material information required under applicable regulatory requirements

For digital loans to which the RBI Digital Lending Directions are applicable, the Customer shall be provided with the applicable cooling-off/look-up period in accordance with such directions.

The applicable cooling-off/look-up period and the terms for exercising the same shall be disclosed in the KFS and/or applicable loan documents.

The Company may obtain, access or verify the Customer's credit information from credit information companies and other legally permissible sources, as may be required for credit assessment, underwriting, risk management and regulatory compliance.

By applying for a loan, you authorize Kredlane and its lending partners to:

• Obtain your credit report.
• Verify your identity.
• Report repayment history to credit bureaus.

You consent to receive communications through:

• SMS
• Email
• WhatsApp
• Push Notifications
• Phone Calls

All trademarks, logos, software, and content available on the Platform remain the property of Kredlane or its licensors.

Kredlane shall not be liable for:

• Loan rejection by lending partners.
• Delay caused by third-party service providers.
• Technical interruptions.
• Force majeure events.

We reserve the right to suspend or terminate access where:

• False information is submitted.
• Fraudulent activity is detected.
• Applicable laws or regulations require such action.

These Terms shall be governed by the laws of India. Any disputes shall be subject to the jurisdiction of the competent courts where Kredlane has its registered office.

We may update these Terms from time to time. Continued use of the Platform constitutes acceptance of the revised Terms.

For any complaint, contact our Grievance Officer Kredlane at compliance@kredlane.in or +91 0000000000. You may also reach Customer Care on +91 0000000000 or the Complaint Helpline on +91 0000000000. See our Grievance Redressal Policy for the full escalation matrix.

If the complaint is not resolved within the prescribed period or the Customer is dissatisfied with the response, the Customer may approach the appropriate RBI grievance redressal mechanism, including the RBI Ombudsman mechanism, subject to its applicability and eligibility requirements.