Welcome to Kreditex Finovate Pvt Ltd ("Kreditex Finovate," "we," "our," "us"). By accessing or using our website [www.kreditexfinovate.com] (the "Site"), you agree to be bound by the following terms and conditions (the "Terms"). If you do not agree to these Terms, please do not use our Site.

1. Use of the Site

1.1 Eligibility: You must be at least 18 years old to use our Site. By using our Site, you represent and warrant that you meet this age requirement.

1.2 License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal and non-commercial purposes. You may not use the Site for any other purpose without our prior written consent.

1.3 Prohibited Activities: You agree not to:

• Use the Site for any illegal or unauthorized purpose.
• Interfere with or disrupt the Site or servers or networks connected to the Site.
• Engage in any activity that could damage, disable, overburden, or impair the Site.
• Copy, reproduce, modify, distribute, transmit, display, perform, or otherwise exploit any content from the Site without our express written permission.

2. Services

2.1 Loan Brokerage Services: Kreditex Finovate offers loan brokerage services to assist clients in obtaining loans from various lenders. We are not a lender and do not provide loans directly. Our role is to facilitate connections between clients and lenders based on the information provided to us.

2.2 Information Accuracy: While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, or reliability of any information provided on our Site or through our services.

3. User Accounts

3.1 Account Creation: To access certain features of the Site, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update your information to keep it accurate, current, and complete.

3.2 Responsibility: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Fees and Payments

4.1 Fees: We may charge fees for our services, which will be disclosed to you before any agreement or transaction. All fees are non-refundable unless otherwise specified.

4.2 Payment Information: You agree to provide accurate and complete payment information. All transactions are processed through secure payment gateways. We are not responsible for any issues related to payment processing.

5. Third-Party Links

The Site may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of any third-party websites or services. Your use of third-party websites or services is at your own risk and subject to the terms and conditions of those third parties.

6. Disclaimer of Warranties

The Site and our services are provided on an "as is" and "as available" basis. We make no warranties or representations, express or implied, about the Site or our services, including but not limited to the accuracy, reliability, or availability of the Site or services.

7. Limitation of Liability

To the fullest extent permitted by law, Kreditex Finovate Pvt Ltd shall not be liable for any indirect, incidental, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your use of or inability to use the Site or our services.
• Any reliance on or decisions made based on information provided on the Site or through our services.

8. Indemnification

You agree to indemnify, defend, and hold harmless Kreditex Finovate Pvt Ltd and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of the Site or our services or your violation of these Terms.

9. Modifications

We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts located in Ahmedabad, Gujarat, India.