CredX Finance Policies

Privacy Policy

At CredX Finance, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or use our financial services.

Information We Collect

• Name, phone number, email address, and address
• Identity and KYC documents (Aadhaar, PAN, etc.)
• Financial information required for loan processing
• Website usage data such as IP address and browser type

How We Use Your Information

• Process loan and finance applications
• Verify identity and complete KYC requirements
• Connect you with banks and lending partners
• Improve our services and customer experience
• Send important updates and service notifications

Sharing of Information

• Banks, NBFCs, and lending partners
• Credit bureaus and verification agencies
• Legal or regulatory authorities when required

We do not sell or rent your personal information.

Data Security

We use secure systems and industry-standard practices to protect your information from unauthorized access or misuse.

Cookies

Our website may use cookies to improve performance and user experience. You can disable cookies from your browser settings.

Your Rights

• Access your personal data
• Request correction of incorrect information
• Request deletion of data (as per legal rules)

Policy Updates

This policy may be updated from time to time. The latest version will always be available on our website.

Terms & Conditions

1. Acceptance of Terms

By visiting our website or using our services, you accept these Terms & Conditions in full.

2. About CredX Finance

CredX Finance is a financial service provider that assists customers in obtaining loans and financial products through banks, NBFCs, and lending partners. We act as a facilitator and do not directly provide loans.

3. Use of Website

• Submit false or misleading information
• Attempt to access restricted areas of the website
• Misuse the website or its content

4. Eligibility

• Be at least 18 years of age
• Be legally capable of entering into a contract
• Provide accurate and complete information

5. Loan & Financial Services

• Loan approval is subject to bank/NBFC policies
• CredX Finance does not guarantee loan approval
• Interest rates and fees decided by the lending partner

6. User Responsibility

• Providing correct documents and information
• Reviewing loan terms before accepting
• Repaying loans as per lender agreement

7. Intellectual Property

All website content belongs to CredX Finance and may not be copied without permission.

8. Limitation of Liability

CredX Finance is not liable for loss due to incorrect information, loan rejection, or technical issues.

9. Privacy

Your personal data is handled as per our Privacy Policy.

10. Governing Law

These Terms & Conditions shall be governed by the laws of India.

RBI Compliance & Regulatory Disclosure

CredX Finance is committed to following all applicable laws and guidelines issued by the Reserve Bank of India (RBI).

Regulatory Status

CredX Finance is a financial service facilitator and loan sourcing partner. We are not a bank or NBFC.

Our Role

• Loan sourcing and facilitation partner
• Customer support and documentation assistance provider
• Financial product information provider

Compliance with RBI Guidelines

• Fair Practices Code (FPC)
• KYC and AML norms
• Digital lending guidelines
• Customer data protection

Important Disclaimer

• We do not provide loans directly
• We do not decide interest rates
• We do not collect EMIs
• We do not guarantee loan approval

Contact Information

CredX Finance

Top Level Al-Farooq Complex, Hari Singh High Street, Lal Chowk, Srinagar, J&K – 190001

Phone: 7889719652

Email: info@credxfinances.com

Website: www.credxfinances.com