Terms of Usage

These Terms of Usage explain the conditions under which you may access and use nanokred.com, the nanokred application, and related services offered through our digital platform.

By accessing, browsing, registering on, or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms of Usage, our Privacy Policy, Terms and Conditions, Rate Terms, and any other policy or document made available on the Platform. If you do not agree with these terms, please do not use the Platform or any services offered through it.

1. Definitions

"nanokred", "we", "us", or "our" refers to nanokred and its website, application, representatives, service providers, and authorized partners. "User", "you", or "your" refers to any person who accesses or uses the Platform. "Platform" means nanokred.com, the mobile application, web pages, digital interfaces, and related services. "Services" means loan facilitation, lending partner coordination, customer support, value added services, and any other service made available through the Platform.

2. Eligibility

You may use the Platform only if you are legally competent to enter into a binding contract under applicable laws in India. By using the Platform, you represent that all information provided by you is true, accurate, current, and complete. We may refuse, suspend, or terminate access if we believe that the information provided is incomplete, inaccurate, misleading, or unauthorized.

3. Nature of Services

nanokred operates as a digital platform that may help users discover, apply for, and manage financial products offered by banks, NBFCs, or other financial institutions associated with the Platform. Sanction, disbursal, repayment, interest, penal charges, fees, and all other loan-specific terms are governed by the loan documents, sanction terms, and policies of the relevant lending partner.

Use of the Platform does not guarantee loan approval, disbursal, credit limit, interest rate, tenure, or any other financial benefit. All credit decisions are subject to eligibility checks, KYC verification, credit assessment, internal policies of the lending partner, and applicable laws and regulatory guidelines.

4. User Responsibilities

You agree that you will:

  • Provide accurate personal, financial, employment, contact, and KYC information.
  • Use the Platform only for lawful and personal purposes.
  • Keep your login credentials, device access, and account information confidential.
  • Promptly update any information that becomes incorrect or outdated.
  • Review all loan documents, repayment schedules, fees, and charges before accepting any offer.
  • Comply with all repayment obligations accepted by you through the Platform or lending partner.

5. Prohibited Use

You must not use the Platform to:

  • Submit false, forged, incomplete, or misleading information or documents.
  • Impersonate another person or use another person's identity, device, account, or documents.
  • Attempt unauthorized access to the Platform, systems, data, accounts, or networks.
  • Upload or transmit malicious code, spam, harmful content, or unlawful material.
  • Use any automated tool, scraper, bot, or similar method without written permission.
  • Engage in activities that violate applicable laws, RBI guidelines, or third-party rights.

6. Account Access and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities carried out through your account or device. You must immediately notify us if you suspect unauthorized access, misuse, or any security concern related to your account. nanokred will not be responsible for losses arising from your failure to protect your account information, except where such loss is directly attributable to our proven negligence or wilful misconduct.

7. Consent for Verification and Communication

By using the Platform, you authorize nanokred, its lending partners, service providers, and authorized representatives to verify the information submitted by you, including through KYC, credit bureau checks, bank account verification, employment verification, and other lawful methods required to provide the Services. You also consent to receive service-related communications through calls, SMS, WhatsApp, email, app notifications, or other electronic modes, subject to applicable law.

8. Data and Privacy

Collection, processing, storage, transfer, and deletion of your personal information will be governed by our Privacy Policy and applicable data protection laws. You should read the Privacy Policy carefully to understand what information may be collected, why it is collected, how it may be shared with lending partners or service providers, and the choices available to you.

9. Fees, Charges, and Payments

Any applicable processing fees, documentation charges, convenience fees, interest, penal charges, taxes, repayment amounts, or other charges will be disclosed through the relevant loan documents, sanction terms, rate terms, or partner policies. You are responsible for carefully reviewing all charges before accepting any loan or service.

10. Third-Party Services and Lending Partners

The Platform may contain links, integrations, payment gateways, verification services, partner offers, or content provided by third parties. Such third-party services are governed by their own terms and policies. nanokred is not responsible for any act, omission, content, failure, delay, error, or policy of a third-party provider except to the extent required under applicable law.

11. Intellectual Property

All Platform content, trademarks, logos, layouts, designs, software, text, images, graphics, icons, and other materials are owned by or licensed to nanokred. You may not copy, reproduce, modify, publish, distribute, reverse engineer, or commercially exploit any part of the Platform without prior written permission.

12. Platform Availability

We aim to keep the Platform available and functional, but we do not guarantee uninterrupted, error-free, or always-secure access. Services may be affected by maintenance, technical issues, network failures, regulatory changes, partner downtime, or circumstances beyond our reasonable control.

13. Limitation of Liability

To the maximum extent permitted by applicable law, nanokred will not be liable for indirect, incidental, special, consequential, or punitive losses arising from your use of the Platform. Our responsibility, if any, will be limited to direct losses proven to have resulted from our wilful misconduct or gross negligence.

14. Suspension or Termination

We may suspend, restrict, or terminate your access to the Platform if you breach these Terms of Usage, misuse the Services, provide false information, violate applicable law, create security risks, or engage in conduct that may harm nanokred, users, lending partners, or service providers. Termination of Platform access will not affect any loan, repayment, fee, charge, consent, or obligation already accepted by you.

15. Changes to These Terms

We may update these Terms of Usage from time to time to reflect changes in our Services, laws, regulatory requirements, technology, or business practices. Updated terms will be made available on the Platform. Your continued use of the Platform after an update means that you accept the revised terms.

16. Governing Law and Jurisdiction

These Terms of Usage will be governed by and interpreted in accordance with the laws of India. Subject to any mandatory dispute resolution process under applicable law, courts and tribunals at New Delhi shall have jurisdiction over disputes arising from or relating to these Terms of Usage or your use of the Platform.

17. Contact Us

For questions, support, or concerns regarding these Terms of Usage, you may contact us at support@nanokred.com or reach our customer support team at 08071717083 during business hours.