What you can expect from KredExperts, what we cannot promise, and where the line between us and the lender sits.
The most important term, stated first: KredExperts is a loan advisory and sourcing platform. We are not a bank, an NBFC, or any other kind of lender. We do not sanction, disburse, price or service loans. Every loan referred through this service is sanctioned and provided by an RBI-regulated lender under that lender's own terms, which govern the loan itself.
By using this website, submitting an enquiry or engaging our advisory service, you agree to these terms. If you do not agree with them, please do not use the service. These terms should be read alongside our Privacy Policy.
[Insert the confirmed commercial model — for example: KredExperts is paid a sourcing commission by the lender and charges the borrower no fee; or, KredExperts charges an advisory fee of X, disclosed in writing before any application is filed.]
Whatever the model, it will be disclosed to you in writing before any application is submitted on your behalf. Fees charged by the lender — processing fees, legal and valuation charges, stamp duty, insurance premiums and statutory levies — are separate, are set by the lender, and are payable by you under the lender's terms.
Calculators on this site run entirely in your browser and produce indicative figures on a reducing-balance basis. They exclude processing fees, insurance, statutory charges and any rate resets. They are illustrative aids, not offers, quotations or eligibility determinations.
Once your application is submitted, your relationship regarding that loan is with the lender. Its terms, privacy policy and grievance process govern the loan. We are not responsible for a lender's decisions, conduct, pricing or servicing. Links to third-party sites are provided for convenience and do not imply endorsement.
The KredExperts name, logo, site design, copy and other content are owned by [Registered entity name] or its licensors. You may view and print pages for personal, non-commercial use. You may not reproduce, republish or exploit them commercially without written permission.
To the fullest extent permitted by law, KredExperts is not liable for indirect, incidental, consequential or punitive losses, or for loss of profit, opportunity or goodwill, arising from your use of this service. We are not liable for a lender's rejection of your application, for the terms a lender offers, or for any act or omission of a lender. Nothing in these terms excludes liability that cannot be excluded under applicable law.
By submitting an enquiry you consent to being contacted by KredExperts and, where you proceed, by the lenders you select, by phone, SMS, email and WhatsApp in connection with that enquiry — including where your number is registered on the National Do Not Call registry. You can withdraw this consent at any time by writing to us, though doing so may prevent us from progressing an application.
Complaints about our service follow the three-stage process set out on our grievance redressal page. Complaints about a sanctioned loan — its sanction, rate, disbursal or servicing — must be raised with the lender, and can be escalated to the RBI Ombudsman if unresolved. We will help you route them.
We may update these terms as our service or the law changes; the revision date at the top of this page reflects the current version. We may suspend or withdraw the service, or decline to act for any person, at our discretion.
These terms are governed by the laws of India. The courts at [city] have exclusive jurisdiction over any dispute arising from them.
[Registered entity name], [registered address] · [support email] · [phone]
Note for publication: every field marked in this style is a placeholder. This document is a structural draft and must be reviewed and completed by qualified legal counsel before it is published.
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