Disclaimer

1. Platform Nature and Services

Credit Bajaar operates as an intermediary platform that facilitates connections between borrowers seeking loans and various lenders, banks, non-banking financial companies (NBFCs), and other financial institutions. Our services include:

• Providing a platform for loan applications and comparisons
• Matching borrowers with potential lenders based on eligibility
• Facilitating information exchange between borrowers and lenders
• Offering educational resources and loan-related information

We do NOT:

• Directly provide loans or credit facilities
• Make lending decisions or approve loan applications
• Set interest rates, fees, or loan terms
• Disburse loan amounts
• Act as a lender or financial institution

2. No Guarantee of Loan Approval

Credit Bajaar does not guarantee:

• Loan approval for any applicant
• Specific interest rates or loan terms
• Loan amount or disbursement timeline
• Approval from any particular lender
• Minimum or maximum loan amounts

All loan approvals, rejections, interest rates, terms, and conditions are determined solely by the partner lenders based on their own eligibility criteria, policies, and risk assessment. Each lender independently evaluates applications and makes lending decisions.

3. Third-Party Lenders

Credit Bajaar works with multiple third-party lenders, including:

• Banks (public and private sector)
• Non-Banking Financial Companies (NBFCs)
• Fintech companies
• Other licensed financial institutions

We are not responsible for:

• The policies, practices, or decisions of partner lenders
• The terms and conditions of loans offered by lenders
• The quality of service provided by lenders
• Any disputes between borrowers and lenders
• Lender compliance with applicable laws and regulations

Borrowers are advised to independently verify lender credentials, review loan terms carefully, and make informed decisions before accepting any loan offer.

4. Information Accuracy

While we strive to provide accurate and up-to-date information:

• Loan rates, terms, and availability are subject to change without notice
• Information displayed on our platform is provided by lenders and may not always be current
• We do not guarantee the accuracy, completeness, or timeliness of any information
• Loan offers and terms are subject to lender verification and approval
• Actual loan terms may differ from initial quotes or estimates

Users should verify all information directly with the lender before making any financial decisions.

5. Limitation of Liability

To the maximum extent permitted by applicable law, Credit Bajaar, its directors, officers, employees, agents, and affiliates shall not be liable for:

• Any loan decisions made by partner lenders
• Loan rejections or delays in processing
• Interest rates, fees, or terms offered by lenders
• Any losses, damages, or financial consequences arising from loans obtained through our platform
• Disputes between borrowers and lenders
• Lender default, bankruptcy, or inability to disburse loans
• Any errors, omissions, or inaccuracies in information provided
• Technical issues, system failures, or service interruptions

Our liability is limited to the service fees, if any, paid by users to Credit Bajaar. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

6. No Financial Advice

Credit Bajaar does not provide:

• Financial, investment, or legal advice
• Recommendations regarding specific loan products or lenders
• Guarantees about loan suitability or affordability
• Assurance about borrower's ability to repay loans

All loan-related decisions should be made after careful consideration of your financial situation, ability to repay, and consultation with qualified financial advisors if necessary. Borrowers are solely responsible for evaluating loan offers and making informed decisions.

7. Credit Checks and Impact

When you apply for loans through our platform:

• Lenders may perform credit checks through credit bureaus
• Multiple loan applications may impact your credit score
• Credit inquiries may be recorded in your credit report
• We are not responsible for any impact on your credit score

Borrowers should be aware that applying for multiple loans may affect their creditworthiness and should apply judiciously.

8. Regulatory Compliance

Credit Bajaar operates in compliance with applicable Indian laws and regulations, including:

• Reserve Bank of India (RBI) guidelines
• Information Technology Act, 2000
• Consumer Protection Act, 2019
• Other relevant financial and data protection regulations

However, we are not responsible for ensuring that partner lenders comply with all applicable regulations. Borrowers should verify lender credentials and regulatory compliance independently.

9. External Links and Third-Party Services

Our platform may contain links to external websites, including lender websites. We are not responsible for:

• The content, policies, or practices of external websites
• Any transactions conducted on third-party websites
• The security or privacy practices of external sites
• Any damages arising from use of external websites

Users access external links at their own risk and should review the terms and policies of third-party websites.

10. Service Availability

We do not guarantee:

• Uninterrupted or error-free service
• Availability of specific lenders or loan products
• Continuous access to our platform
• Compatibility with all devices or browsers

We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.

11. User Responsibility

Users are solely responsible for:

• Providing accurate and complete information in loan applications
• Reviewing and understanding all loan terms and conditions
• Making informed decisions about loan acceptance
• Repaying loans according to agreed terms
• Complying with all applicable laws and regulations
• Protecting their account credentials and personal information

12. Changes to Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after such changes constitutes acceptance of the updated Disclaimer.

13. Contact Information

For questions or concerns regarding this Disclaimer, please contact us:

Credit Bajaar
Email: pankajsaini9470@gmail.com
Phone: +91 9259167646, +91 9760921480
Address: Mohalla mallapada jewar, Jewar guttum budh Nagar, 203135, Uttar Pradesh

Last Updated: January 2024