Terms and Conditions

CredPaisa is a customer-facing financial platform owned and operated by Awfy Media By using this website, you agree to these Terms and Conditions governing the use of our services.

Welcome to CredPaisa. Please read these Terms and Conditions (“Terms”) carefully before accessing or using our website. By using the CredPaisa platform, you agree to comply with these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue using our website and services immediately.

Throughout this document, the terms “CredPaisa,” “we,” “our,” and “us” refer to CredPaisa, a customer-facing financial platform owned and operated by Awfy Media. The terms “you,” “your,” or “user” refer to any individual accessing or using our website or services.

We reserve the right to modify these Terms at any time. Any changes will become effective once published on this website. Continued use of the platform after such changes constitutes your acceptance of the updated Terms.

1. Our Services

CredPaisa is an online financial platform that enables users to explore, compare, and apply for a wide range of financial products offered by banks, NBFCs, insurance companies, and other financial institutions.

Our platform may provide access to:

  • Credit Cards

  • Personal Loans

  • Business Loans

  • Home Loans

  • Savings Accounts

  • Insurance Products

  • Investment Solutions

  • Other financial products and services

CredPaisa may also operate affiliate and referral programs where eligible users can receive rewards, cashback, incentives, or commissions subject to the terms of the respective financial institution or partner.

If you require additional information regarding any service offered through our platform, you may contact our customer support team.

2. Eligibility and Account Registration

To use certain services offered by CredPaisa, you may be required to create an account.

By registering on our platform, you confirm that:

  • You are at least 18 years of age.

  • You are legally capable of entering into a binding contract under Indian law.

  • You are an Indian citizen or resident eligible to use the services available on the platform.

  • All information provided by you is true, accurate, complete, and up to date.

Only one account is permitted per individual unless otherwise approved by CredPaisa.

You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your account.

If your personal information changes, you are responsible for updating your account details promptly.

Providing false, misleading, or incomplete information may result in suspension or permanent termination of your account.

Users are strictly prohibited from promoting CredPaisa affiliate links through paid advertisements on Google, Facebook, Instagram, YouTube, or any other advertising platform unless expressly authorised by CredPaisa.

3. Suspension or Termination of Accounts

CredPaisa reserves the right to suspend, restrict, or permanently terminate any user account without prior notice if we reasonably believe that:

  • False or misleading information has been provided.

  • Fraudulent or abusive activities have been detected.

  • Our referral or cashback programs have been misused.

  • Paid advertisements are used without permission.

  • The user violates these Terms and Conditions.

  • The account is involved in suspicious or unlawful activities.

We also reserve the right to refuse registration or discontinue services to any user at our sole discretion.

4. Cashback, Rewards and Earnings

Eligible users may receive cashback, referral rewards, commissions, or other promotional benefits for qualifying transactions completed through CredPaisa.

Rewards are payable only after the relevant financial institution or partner successfully verifies and approves the transaction.

Please note that:

  • Every application does not automatically qualify for rewards.

  • Approval is solely determined by the respective bank, NBFC, insurance company, or financial institution.

  • CredPaisa has no control over approval or rejection decisions made by financial partners.

Rewards may not be credited if:

  • The application is rejected.

  • The transaction is cancelled.

  • Incorrect information is submitted.

  • Fraudulent activity is detected.

  • The partner does not approve or report the transaction.

  • The transaction violates the partner’s terms and conditions.

Although CredPaisa will make reasonable efforts to resolve missing reward claims with our partners, the final decision regarding eligibility always rests with the respective financial institution.

Reward amounts displayed on our website are indicative and may change without prior notice depending on updates received from our partners.

CredPaisa reserves the right to recover any cashback, reward, or commission that has been credited due to technical errors, duplicate transactions, fraudulent activities, or incorrect reporting.

5. Payments

Rewards, cashback, or commission payments will be processed only after CredPaisa receives confirmation and payment from the respective banking or financial partner.

Applications generally go through the following stages:

  • Pending

  • Approved

  • Validated

  • Payable

The validation period may vary depending on the financial institution and may take several weeks or months.

CredPaisa shall not be liable for delays caused by:

  • Banks

  • NBFCs

  • Insurance companies

  • Payment partners

  • Affiliate networks

  • Technical issues beyond our control

If a transaction is cancelled, refunded, reversed, or found to be fraudulent, any associated cashback or reward may be cancelled or recovered even after payment.

CredPaisa reserves the right to adjust user balances whenever incorrect payments have been made due to technical issues, reporting errors, duplicate transactions, or fraud.

6. Privacy Policy

Your privacy is important to us.

By using CredPaisa, you acknowledge that you have read and agreed to our Privacy Policy.

Our Privacy Policy explains:

  • What information we collect.

  • How we use your personal information.

  • How your information is stored and protected.

  • When your information may be shared with our partners.

  • Your rights regarding your personal information.

The Privacy Policy forms an integral part of these Terms and Conditions.

7. Intellectual Property Rights

All content available on the CredPaisa platform, including but not limited to text, graphics, logos, images, icons, software, website design, trademarks, and other intellectual property, is owned by or licensed to Awfy Media unless otherwise stated.

No part of the website may be copied, reproduced, modified, distributed, published, or commercially exploited without prior written permission from CredPaisa.

Users who submit reviews, comments, suggestions, or other content grant CredPaisa a non-exclusive, royalty-free, worldwide licence to use, reproduce, publish, modify, and distribute such content for lawful business purposes.

8. Our Role

CredPaisa acts solely as an online platform that connects users with banks, Non-Banking Financial Companies (NBFCs), insurance providers, and other financial institutions. We do not issue, approve, reject, or underwrite any financial product listed on our platform.

All applications submitted through CredPaisa are processed directly by the respective financial institution based on its own eligibility criteria, internal policies, and regulatory requirements.

CredPaisa is not responsible for:

  • Approval or rejection of any application.

  • Changes in product features, eligibility, fees, or interest rates.

  • Availability of any financial product.

  • Decisions made by banks or financial institutions.

  • Delays in processing applications or disbursements.

Any agreement entered into between you and a financial institution shall be governed by the terms and conditions of that institution.

9. Acceptable Use Policy

Users agree to use the CredPaisa platform only for lawful purposes.

You must not:

  • Submit false, misleading, or fraudulent information.

  • Create multiple accounts to misuse offers or rewards.

  • Attempt to manipulate referral, cashback, or reward programs.

  • Use bots, scripts, automated software, or similar tools.

  • Copy, scrape, or extract website data without written permission.

  • Introduce viruses, malware, or harmful code.

  • Attempt unauthorized access to our servers or systems.

  • Use CredPaisa branding without permission.

  • Promote affiliate or referral links through unauthorized paid advertisements.

Any violation may result in immediate suspension or permanent termination of your account without prior notice.

10. Liability Disclaimer

CredPaisa provides information and financial product listings on an “as is” and “as available” basis.

While we make reasonable efforts to ensure the accuracy of information published on our platform, we do not guarantee that all information will always be complete, accurate, or up to date.

To the fullest extent permitted by law, CredPaisa shall not be liable for:

  • Any financial loss arising from your use of our platform.

  • Rejection of applications by banks or financial institutions.

  • Delays caused by third-party service providers.

  • Technical interruptions or temporary website unavailability.

  • Errors in information provided by financial partners.

  • Loss of profits, business opportunities, or indirect damages.

Users are advised to verify all product details directly with the respective financial institution before making any financial decision.

11. Indemnification

You agree to indemnify and hold harmless CredPaisa, Awfy Media, its directors, employees, affiliates, partners, and service providers from any claims, losses, damages, liabilities, legal expenses, or costs arising from:

  • Your violation of these Terms.

  • Misuse of the platform.

  • Fraudulent activities.

  • Violation of applicable laws.

  • Infringement of third-party rights.

  • Unauthorized use of your account.

12. Changes to These Terms

CredPaisa reserves the right to modify, update, or replace these Terms and Conditions at any time.

Updated versions will be published on this website with a revised effective date.

Your continued use of the platform after any modification constitutes your acceptance of the updated Terms.

13. Inactive Accounts

Accounts that remain inactive for an extended period may be suspended or closed at our discretion.

Where applicable, pending rewards, promotional benefits, or referral earnings associated with inactive accounts may be forfeited in accordance with our internal policies.

Users are encouraged to log into their accounts periodically to maintain active status.

14. Third-Party Websites

Our website may contain links to third-party websites, financial institutions, affiliate partners, or advertisers.

These external websites operate independently and maintain their own privacy policies and terms of use.

CredPaisa does not control or endorse the content, products, or services offered by such websites and shall not be responsible for any loss or damage arising from your use of them.

15. Program Suspension or Termination

CredPaisa reserves the right to modify, suspend, discontinue, or terminate any reward, cashback, referral, or promotional program at any time without prior notice.

If any program is discontinued, eligible users may be provided with a reasonable period to redeem validated rewards, subject to applicable terms and conditions.

16. Disclaimer

Although CredPaisa makes every reasonable effort to maintain accurate and reliable information, we do not warrant that our website will always be free from errors, interruptions, viruses, or other harmful components.

Users access and use the platform entirely at their own risk.

17. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of India.

Any dispute arising out of or relating to these Terms or the use of the CredPaisa platform shall be subject to the exclusive jurisdiction of the competent courts located in Gurugram, Haryana, unless otherwise required by applicable law.

18. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a competent court, the remaining provisions shall continue to remain valid and enforceable.

19. Waiver

Failure by CredPaisa to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision or any other provision at a later time.

20. Assignment

Users may not assign or transfer any rights or obligations under these Terms without prior written consent from CredPaisa.

CredPaisa reserves the right to assign or transfer its rights and obligations under these Terms to any affiliated entity, successor, or business partner as part of a merger, acquisition, restructuring, or similar transaction.

21. Contact Information

If you have any questions regarding these Terms and Conditions, you may contact us using the details below:

CredPaisa
Owned and Operated by Awfy Media

Email: info@awfymedia.com

We will make reasonable efforts to respond to your queries as soon as possible.

22. Acceptance of Terms

By accessing or using the CredPaisa website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions and our Privacy Policy.

If you do not agree with these Terms, you should discontinue using the CredPaisa platform immediately.

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