Terms of Service

1. Introduction

Welcome to HitCred. By using our website and services, you agree to comply with and be bound by the following Terms of Service. Please read these terms carefully before using our platform.

2. Acceptance of Terms

By accessing or using HitCred services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

3. Services Provided

HitCred provides the following financial services:

• Personal Loans
• Business Loans
• Home Loans
• Education Loans
• Car Loans
• Insurance Services

4. User Responsibilities

As a user of HitCred, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable laws and regulations
• Not use our services for any illegal or unauthorized purpose

5. Partner Responsibilities

Partners registered on HitCred agree to:

• Submit genuine loan applications
• Provide accurate customer information
• Follow ethical business practices
• Maintain professional conduct with customers
• Adhere to commission and payout policies

6. Loan Application Process

When applying for loans through HitCred:

• You must provide accurate personal and financial information
• All documents submitted must be genuine and valid
• Loan approval is subject to credit assessment and lender policies
• HitCred reserves the right to reject any application

7. Privacy and Data Protection

Your privacy is important to us. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your personal data.

8. Fees and Charges

HitCred may charge the following fees:

• Processing fees for loan applications
• Service fees for insurance policies
• Platform fees for partner services
• All fees will be clearly communicated before any transaction

9. Payment Terms

For loans:

• Repayment terms will be specified in your loan agreement
• Late payments may incur additional charges
• Default on payments may affect your credit score

10. Intellectual Property

All content on HitCred, including text, graphics, logos, and software, is the property of HitCred and protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

11. Disclaimer

12. Limitation of Liability

HitCred shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of our services. Our total liability shall not exceed the amount paid by you for the specific service.

13. Indemnification

You agree to indemnify and hold harmless HitCred, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

14. Termination

HitCred reserves the right to terminate or suspend your access to our services at any time, without notice, for any reason, including but not limited to violation of these Terms of Service.

15. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in India.

16. Amendments

HitCred reserves the right to modify these Terms of Service at any time. We will notify users of significant changes via email or website notification. Continued use of our services after such changes constitutes acceptance of the modified terms.

17. Contact Information

Last Updated: June 15, 2026