Terms and conditions for use of the website

Welcome to CredSync Consulting ("Website", "Platform", accessible at https://credsync.co.in). This Website is owned, operated, and maintained by CredSync Consulting, a partnership firm constituted under the Indian Partnership Act, 1932, having its registered/principal office at Suite B-15, BSI Business Park, H161, Sector 63, Noida, Uttar Pradesh – 201301.

By accessing, browsing, or using this Website, or by submitting an enquiry or lead generation form, you ("User", "You", or "Your") acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms") and our [Privacy Policy]. If you do not agree with any part of these Terms, you must immediately cease using this Website.

1. Scope & Business Role

CredSync Consulting operates strictly as an independent loan facilitator, financial consultant, and lead generator. We assist prospective borrowers by collecting preliminary information and connecting them with authorized financial partners, including Banks and Non-Banking Financial Companies (NBFCs) registered with the Reserve Bank of India (RBI).

• No Direct Lending: CredSync Consulting is not a Bank, NBFC, or financial institution. We do not lend money, issue credit, evaluate credit risk, or make loan sanction decisions.

• Sole Lenders' Authority: Loan approvals, interest rates, Annual Percentage Rates (APR), tenures, processing fees, sanctions, and disbursals are determined entirely at the sole discretion of the respective lending partner.

• Direct Disbursals & Repayments: In compliance with applicable digital lending guidelines, all loan disbursals and EMI repayments occur directly between the borrower's bank account and the Regulated Entity (Bank/NBFC), without any handling or routing of loan funds by CredSync.

2. Services Provided & Unsolicited Communication Consent (TRAI)

Through the Website, CredSync Consulting provides assistance in connecting users with potential lenders for various credit products (including personal loans, business loans, auto loans, and credit cards).

By submitting your Name, Mobile Number, Product Preference, or any other details on this Website:

1. Sharing Consent: You grant express permission to CredSync Consulting to share your details with our partner Banks and NBFCs solely for evaluating and contacting you regarding your loan enquiry.

2. TRAI / NDNC Waiver: You explicitly authorize CredSync Consulting, its employees, representatives, and partner financial institutions to contact you via Phone Call, SMS, Email, or WhatsApp regarding your enquiry. This authorization overrides any registration of your mobile number on the National Do Not Call (NDNC) registry or Telecom Commercial Communications Customer Preference Regulations (TCCCPR).

3. User Eligibility

To use this Website and submit an enquiry form, you represent and warrant that:

• You are a natural person at least 18 years of age or a legal entity competent to enter into a legally binding contract under the Indian Contract Act, 1872.

• All details provided by you are true, accurate, current, and complete. You agree not to impersonate any individual or submit fraudulent contact information.

4. Zero Upfront Fee Policy

CredSync Consulting does NOT charge any upfront processing fees, service charges, or token fees directly to users/borrowers for submitting loan enquiries on this Website.

Warning Against Fraud: Any payment requested by an individual claiming to represent CredSync Consulting prior to loan approval is fraudulent. If you are asked to pay any money on behalf of CredSync, do not proceed and report the incident immediately to care@credsync.co.in.

5. Credit Bureau Authorization

If you request credit scoring assistance or proceed with a loan application through our financial partners, you authorize CredSync Consulting and its partner lenders to request and retrieve your credit information (such as CIBIL, Experian, Equifax, or CRIF High Mark scores) from authorized credit information companies on your behalf for the purpose of assessing loan eligibility.

6. Consent Persistence & Data Protection

• Your personal data submitted on the Website is governed by our Privacy Policy and processed in accordance with the Digital Personal Data Protection (DPDP) Act, 2023.

• Discontinuing the use of our Website or receiving a loan disbursement from a lender does not automatically invalidate or delete the historical contact records collected.

• To exercise your rights regarding access, correction, or withdrawal of consent/data deletion, please submit a written request to our Grievance Officer as outlined in Section 11.

7. Intellectual Property & Limited License

We grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Website solely for personal, non-commercial use. All trademarks, logos, copy, domain names (credsync.co.in), layout, and technical content belong exclusively to CredSync Consulting. You shall not copy, scrape, modify, reverse-engineer, distribute, or commercially exploit any material from this Website without prior written authorization.

8. Disclaimer of Warranties & Limitation of Liability

• "As-Is" Service: The Website and its contents are provided on an "as is" and "as available" basis. CredSync Consulting makes no warranties, express or implied, regarding website uptime, error-free operation, or approval guarantees for any financial product.

• No Financial Advice: Information provided on the Website is for general informational and comparison purposes only and does not constitute formal financial, tax, or legal advice.

• Limitation of Liability: To the maximum extent permitted by Indian law, CredSync Consulting, its partners, and employees shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use or inability to use the Website, or from any agreement entered into between you and a partner lender.

9. Third-Party Web Links & Services

This Website may contain links to third-party web portals, landing pages, or lender applications. CredSync Consulting does not control, endorse, or verify the privacy practices or content of these external sites. Accessing third-party links is entirely at your own risk.

10. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Republic of India. You agree that the courts situated at Gautam Buddha Nagar (Noida) / Delhi shall have exclusive jurisdiction over any legal proceedings.

11. Grievance Redressal & Contact Information

In accordance with the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines) Rules, and the Digital Personal Data Protection Act, 2023, the details of our Grievance Redressal Officer are published below:

• Firm Name: CredSync Consulting

• Grievance Officer: Abhijeet Singh Rathore

• Designation: Grievance Officer

• Email: care@credsync.co.in

• Office Address: CredSync Consulting, Suite B-15, BSI Business Park, H161, Sector 63, Noida, Uttar Pradesh – 201301.

• Response SLA: We aim to acknowledge all user complaints within 24–48 hours and resolve them within 15 working days.