These Terms & Conditions (“Terms”) govern your access to and use of the KreditEase website and services.
By accessing our website, submitting an enquiry, contacting us or requesting any service from KreditEase, you agree to these Terms.
If you do not agree with these Terms, please do not use our website or services.
1. ABOUT KREDIT EASE
KreditEase provides financial-service assistance and related services, which may include:
Credit-card assistance
Credit-card bill-payment assistance
Credit-card-to-bank settlement or transfer services, where legally permissible
Credit-card application assistance
Financial-service assistance
Other related services displayed on our website
The availability of any service is subject to eligibility, verification, applicable laws, regulatory requirements and the terms of the relevant bank, card issuer, payment service provider or financial institution.
2. NO GUARANTEE OF APPROVAL
KreditEase does not guarantee:
Credit-card approval
Loan approval
Credit-limit enhancement
Transaction approval
Bank approval
Settlement approval
Payment approval
A particular processing time
Any specific financial outcome
Final approval or authorization may depend on the relevant bank, credit-card issuer, financial institution, payment processor or other authorized service provider.
3. CUSTOMER ELIGIBILITY
Customers must provide accurate and complete information.
You confirm that:
Information provided by you is accurate.
You are authorized to use the credit card or bank account provided.
You will not use our services for unlawful activities.
You will comply with applicable card and banking terms.
You will not knowingly provide false or misleading information.
KreditEase may refuse, suspend or cancel a request if information appears inaccurate, suspicious, unauthorized or unlawful.
4. CREDIT CARD TO BANK SETTLEMENT / TRANSFER
Where KreditEase provides or facilitates a credit-card-to-bank settlement or transfer service, such service will only be provided where the transaction is legally permissible and can be processed through appropriate authorized arrangements.
Customers are responsible for ensuring that use of their credit card complies with the terms of their card issuer and applicable law.
KreditEase does not knowingly facilitate:
Unauthorized credit-card usage
Stolen credit cards
Fraudulent transactions
False transactions
Money laundering
Transactions intended to circumvent banking or regulatory requirements
Prohibited transactions
Unlawful activities
KreditEase may request additional information or documentation before processing a transaction.
KreditEase may decline a transaction where it appears suspicious, unauthorized, unlawful or otherwise unsuitable for processing.
5. CREDIT CARD SECURITY
Customers must never share the following through WhatsApp, email, telephone or unofficial communication channels:
OTP
CVV
Credit-card PIN
ATM PIN
UPI PIN
Internet-banking password
Card password
Other confidential authentication credentials
Where authentication is required, it should be completed through the relevant secure banking, card or payment interface.
6. FEES AND CHARGES
Applicable service charges, processing fees or other charges will be communicated to customers before processing wherever applicable.
Charges may depend on:
Service type
Transaction amount
Payment method
Bank/card issuer
Processing requirements
Applicable taxes
Other transaction-specific circumstances
Customers are responsible for charges that have been properly disclosed and accepted before processing.
7. PROCESSING TIME
KreditEase aims to process eligible requests as quickly as reasonably possible.
Processing time may depend on:
Bank processing
Card issuer processing
Payment gateway availability
Verification
KYC requirements
Banking holidays
Technical issues
Compliance checks
Third-party service providers
Therefore, any reference to fast, quick or instant processing does not constitute an unconditional guarantee of a specific processing time.
8. CUSTOMER RESPONSIBILITIES
Customers are responsible for:
Providing accurate information.
Providing valid documents where required.
Using authorized financial instruments.
Having sufficient credit limit or available funds where applicable.
Completing required verification.
Following instructions provided by the relevant bank or card issuer.
Reviewing transaction information before confirmation.
Keeping financial credentials secure.
KreditEase is not responsible for losses resulting from incorrect information supplied by the customer or unauthorized use of customer credentials.
9. FRAUD AND SUSPICIOUS TRANSACTIONS
KreditEase reserves the right to investigate, delay, reject, suspend or cancel transactions where there is reasonable suspicion of:
Fraud
Identity misuse
Unauthorized card usage
Money laundering
Financial crime
False documentation
Misrepresentation
Abuse of services
Violation of applicable law
Violation of bank/card issuer requirements
Where legally required, information may be shared with appropriate authorities or service providers.
10. WEBSITE CONTENT
KreditEase makes reasonable efforts to maintain accurate information on the website.
However, website information may contain errors, omissions or information that becomes outdated.
Website information should not be interpreted as a guarantee of:
Approval
Eligibility
Processing time
Credit limit
Settlement amount
Interest rate
Financial outcome
11. THIRD-PARTY SERVICES
Certain services may involve banks, card issuers, payment processors, financial institutions, technology providers or other third parties.
Third-party services are governed by their own terms and policies.
KreditEase is not responsible for decisions, restrictions, failures or delays independently caused by third-party providers, except where liability cannot legally be excluded.
12. INTELLECTUAL PROPERTY
All original content on the KreditEase website, including:
Logo
Branding
Text
Graphics
Images
Design
Website layout
Software
Original materials
is owned by or licensed to KreditEase unless otherwise stated.
No content may be copied, reproduced, modified, distributed or commercially exploited without prior written permission.
13. PROHIBITED USE
You must not use KreditEase services to:
Commit fraud.
Conduct unlawful transactions.
Use another person’s financial information without authorization.
Submit false documents.
Circumvent financial or regulatory controls.
Attempt unauthorized access.
Upload malicious code.
Misrepresent your identity.
Abuse our services.
Violate applicable laws.
14. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, KreditEase shall not be responsible for indirect, incidental, special or consequential losses arising from:
Bank delays
Card issuer decisions
Payment processor failures
Incorrect customer information
Unauthorized use of customer accounts
Third-party service interruptions
Events beyond our reasonable control
Nothing in these Terms excludes liability that cannot legally be excluded.
15. FORCE MAJEURE
KreditEase shall not be responsible for delay or failure caused by circumstances beyond our reasonable control, including:
Banking outages
Payment-system failures
Internet or telecommunications failures
Government restrictions
Regulatory changes
Natural disasters
Cyber incidents
Strikes
Civil disturbances
Other circumstances beyond reasonable control
16. SUSPENSION OR TERMINATION
KreditEase may suspend or terminate services where:
These Terms are violated.
Fraud or suspicious activity is detected.
False information is provided.
Required verification cannot be completed.
The transaction is unlawful or prohibited.
Continuing the service may create legal, regulatory or security risk.
17. GOVERNING LAW
These Terms shall be governed by the laws applicable in India.
Subject to applicable law, disputes shall be subject to the jurisdiction of the competent courts and authorities having jurisdiction over the relevant matter.
18. CHANGES TO THESE TERMS
KreditEase may modify these Terms from time to time.
The latest version published on the website will apply to future use of the website and services, subject to applicable law.
