Terms & Conditions

Last updated: 26/08/2026

Welcome to CrediKo ("CrediKo", "we", "us" or "our").

These Terms & Conditions ("Terms") govern your access to and use of the CrediKo website, applications, digital platforms, loan comparison/facilitation services and related services (collectively, the "Services").

By accessing or using the Services, submitting an enquiry, completing a loan application, requesting a callback, or providing your information through CrediKo, you acknowledge that you have read, understood and agreed to these Terms, our Privacy Policy, and any other applicable policies displayed on the Platform.

If you do not agree with these Terms, please do not use the Services.

1. ABOUT CREDIKO

CrediKo is a digital loan facilitation and/or lead-generation platform operated by CrediKo, having its registered office at Bangalore.

CrediKo may facilitate connections between users and banks, NBFCs, lending institutions, financial service providers, and their authorized representatives/partners ("Lending Partners").

CrediKo is not itself a bank, NBFC or lender unless expressly stated otherwise.

Unless specifically disclosed on the relevant product page or documentation, CrediKo does not independently sanction, approve, disburse, service or determine the terms of any loan.

The final decision regarding approval, loan amount, interest rate, tenure, fees, charges, eligibility and disbursement shall be made by the relevant Lending Partner in accordance with its internal policies, applicable laws and regulatory requirements.

2. TYPES OF FINANCIAL PRODUCTS

Depending on availability and eligibility, CrediKo may facilitate enquiries/applications for financial products including, but not limited to:

  • Personal Loans
  • Business Loans
  • Home Loans
  • Vehicle Loans
  • Consumer Loans
  • Gold Loans
  • Education Loans
  • Medical Loans
  • Other credit or financial products offered by Lending Partners

The availability of a particular product or Lending Partner may change from time to time.

3. ELIGIBILITY

To use the Services:

  1. You must be at least 18 years of age, unless otherwise permitted by applicable law.
  2. You must provide information that is accurate, complete and current.
  3. You must have the legal capacity to enter into a binding agreement.
  4. You must provide documents and information reasonably required for processing your enquiry/application.
  5. You must not impersonate another person or submit information belonging to another person without lawful authorization.
  6. You must comply with all applicable laws while using the Platform.

Meeting the basic eligibility criteria does not guarantee loan approval.

4. NATURE OF CREDIKO'S SERVICES

CrediKo may provide services including:

  • Collecting loan enquiries/applications;
  • Understanding your stated financial requirements;
  • Comparing or displaying available loan products;
  • Matching your enquiry with potentially suitable Lending Partners;
  • Facilitating communication between you and Lending Partners;
  • Forwarding your application and relevant information to selected/appropriate Lending Partners;
  • Providing information about loan products, subject to availability; and
  • Facilitating callbacks or other communication from Lending Partners or their authorized representatives.

CrediKo may use eligibility parameters, information supplied by you, and other permitted information to determine which Lending Partners or products may be relevant to your enquiry.

Any matching, recommendation or eligibility indication provided through CrediKo is not a guarantee or promise of loan approval.

5. NO GUARANTEE OF LOAN APPROVAL

Submission of an application or enquiry through CrediKo does not guarantee:

  • Approval of a loan;
  • A particular loan amount;
  • A particular interest rate;
  • A particular tenure;
  • A particular processing fee;
  • A particular repayment schedule; or
  • Disbursement of funds.

The Lending Partner independently evaluates your application and may approve, modify, reject or otherwise process your application according to its applicable policies and eligibility criteria.

CrediKo has no authority to override the Lending Partner's credit decision.

6. LENDING PARTNER TERMS

Once your enquiry/application is shared with a Lending Partner, you may be contacted directly by the relevant lender or its authorized representative.

The loan agreement, Key Facts Statement (KFS), sanction letter, repayment schedule and other loan documents issued by the Lending Partner shall govern the actual loan transaction.

You should carefully review all applicable documents before accepting any loan offer.

The applicable interest rate, Annual Percentage Rate (APR), processing fees, penalties, foreclosure/prepayment charges and other applicable charges shall be determined and disclosed by the relevant Lending Partner in accordance with applicable requirements.

CrediKo does not guarantee that the terms displayed during an initial enquiry will be the final terms offered by the Lending Partner.

7. USER INFORMATION AND ACCURACY

You agree that all information provided to CrediKo will be accurate, complete and up to date.

Information may include, where applicable:

  • Name;
  • Mobile number;
  • Email address;
  • Date of birth;
  • Residential address;
  • Employment details;
  • Income information;
  • Loan requirement;
  • PAN and other identification details;
  • Financial information;
  • Documents submitted for verification; and
  • Other information reasonably required for processing your enquiry.

You must not knowingly provide false, misleading, forged or fraudulent information.

If any information provided by you is inaccurate or incomplete, CrediKo or the relevant Lending Partner may be unable to process your enquiry/application.

8. CONSENT TO CONTACT

By submitting your details or using the Services, you may consent to CrediKo and/or the relevant Lending Partners or their authorized service providers contacting you regarding your enquiry/application through permitted communication channels, including:

  • Telephone calls;
  • SMS;
  • Email;
  • WhatsApp or other permitted messaging channels; and
  • Other lawful electronic communication methods.

Where applicable, you may withdraw or manage your consent in accordance with the applicable privacy and communication mechanisms.

Nothing in these Terms authorizes unlawful, abusive, misleading or harassing communications.

9. CONSENT TO SHARE INFORMATION WITH LENDING PARTNERS

To facilitate your loan enquiry/application, CrediKo may share relevant information with Lending Partners and their authorized service providers where permitted by applicable law and based on the appropriate consent or other lawful basis.

The information shared will be limited to information reasonably required for the relevant purpose.

Where applicable, you may be provided with an option to provide or deny consent for specific data uses or disclosures.

Lending Partners may independently collect additional information from you for KYC, credit assessment, underwriting, fraud prevention, regulatory compliance and loan processing.

10. CREDIT INFORMATION AND VERIFICATION

Where permitted by applicable law and based on the required authorization/consent, the relevant Lending Partner may obtain and verify information relating to your creditworthiness from credit information companies, databases, government/official sources, employers, or other lawful sources.

Such verification may be undertaken for purposes including:

  • Credit assessment;
  • Eligibility determination;
  • Fraud prevention;
  • KYC;
  • Risk assessment;
  • Regulatory compliance; and
  • Processing and servicing of the financial product.

CrediKo does not guarantee the accuracy of information obtained from third-party sources.

11. PRIVACY AND DATA PROTECTION

Your personal information will be handled in accordance with CrediKo's Privacy Policy, which forms part of these Terms.

CrediKo will collect, use, process and share personal information only for legitimate purposes connected with providing the Services and as otherwise permitted or required by applicable law.

Depending on the nature of the Services, information may be shared with:

  • Lending Partners;
  • Banks and NBFCs;
  • Credit information companies;
  • KYC/verification service providers;
  • Technology and infrastructure service providers;
  • Fraud prevention and risk assessment providers;
  • Authorized service providers; and
  • Government, regulatory or law-enforcement authorities where legally required.

CrediKo shall apply appropriate safeguards to protect personal information against unauthorized access, misuse, loss or disclosure, subject to applicable law.

For further information, please refer to our Privacy Policy.

12. DATA CONSENT AND WITHDRAWAL

Where consent is required for collection or processing of personal information, such consent will be obtained through appropriate mechanisms.

You may have rights, subject to applicable law and the nature of the processing, to:

  • Know how your information is being used;
  • Withdraw consent where consent is the applicable legal basis;
  • Request correction of inaccurate information;
  • Request deletion where legally applicable; and
  • Raise concerns regarding the processing of your personal information.

Withdrawal of consent may affect CrediKo's ability to provide certain Services or process your enquiry.

Requests may be submitted through support@creditko.in.

13. NO MISREPRESENTATION

CrediKo does not authorize any person to guarantee loan approval, promise a specific interest rate, or misrepresent the terms of a Lending Partner's product.

You should be cautious of any person requesting money or sensitive information while claiming to represent CrediKo or a Lending Partner.

CrediKo will not be responsible for unauthorized representations made by persons who are not authorized representatives of CrediKo.

14. FEES AND CHARGES

CrediKo will disclose any applicable fee payable by you, if any, before the relevant service is provided and to the extent required by applicable law.

Unless expressly disclosed, CrediKo does not charge users merely for submitting a loan enquiry.

Any fees, interest, charges or other amounts relating to a loan shall be governed by the terms issued by the relevant Lending Partner.

You should not make any payment to an individual claiming to guarantee loan approval unless the payment is clearly identified as an authorized and applicable charge through an official channel.

15. LOAN REPAYMENT

If you obtain a loan from a Lending Partner, your repayment obligations will arise under the loan agreement entered into between you and that Lending Partner.

You are solely responsible for making repayments on time in accordance with the applicable loan documentation.

CrediKo does not become the lender merely because it facilitated or referred your application.

Any dispute regarding repayment, interest, charges, loan account, foreclosure, settlement, collections or other matters relating to the loan should ordinarily be raised with the relevant Lending Partner through its designated grievance mechanism.

16. GRIEVANCE REDRESSAL

For issues relating specifically to CrediKo's Services, you may contact:

Grievance Officer: support@creditko.in
Email: support@creditko.in
Address: Bangalore

For complaints relating to the actual loan, including interest rate, repayment, loan account, KFS, sanction, disbursement, recovery or other lender-specific matters, you should contact the relevant Lending Partner through the grievance mechanism provided by that Lending Partner.

17. USER RESPONSIBILITIES

You agree not to:

  1. Provide false or misleading information;
  2. Submit fraudulent or forged documents;
  3. Impersonate another person;
  4. Use another person's personal information without authorization;
  5. Attempt to gain unauthorized access to CrediKo's systems;
  6. Introduce malware, viruses or malicious code;
  7. Scrape, copy or systematically extract information from the Platform without authorization;
  8. Use automated systems to abuse or overload the Platform;
  9. Circumvent security measures; or
  10. Use the Services for unlawful purposes.

18. INTELLECTUAL PROPERTY

All trademarks, logos, software, designs, content, graphics, text, databases and other materials available through CrediKo, unless otherwise stated, are owned by or licensed to CrediKo and are protected under applicable intellectual property laws.

You may use the Platform only for your personal and lawful purposes.

You may not reproduce, modify, distribute, sell, license, reverse engineer or commercially exploit any part of the Platform without prior written authorization.

19. THIRD-PARTY SERVICES AND LINKS

The Platform may contain links, offers, products or services provided by third parties.

CrediKo does not control third-party websites or services and is not responsible for their content, policies, availability or practices.

Your interaction with a third-party service provider may be governed by that provider's own terms and privacy policy.

20. SERVICE AVAILABILITY

CrediKo will make reasonable efforts to keep the Platform available but does not guarantee that the Services will always be uninterrupted, secure or error-free.

The Services may be temporarily unavailable due to maintenance, technical failures, network interruptions, cybersecurity incidents, third-party service failures, force majeure events, or other circumstances beyond CrediKo's reasonable control.

21. LIMITATION OF LIABILITY

To the extent permitted by applicable law, CrediKo shall not be responsible for losses arising solely from:

  • A Lending Partner's decision to approve or reject an application;
  • Changes to loan terms determined by a Lending Partner;
  • Delays or failures caused by a Lending Partner or third-party service provider;
  • Information supplied incorrectly by the user;
  • Unauthorized use of the user's account or credentials due to the user's negligence;
  • Temporary technical interruptions beyond CrediKo's reasonable control; or
  • Any transaction entered into directly between the user and a Lending Partner.

Nothing in these Terms shall exclude or limit liability that cannot legally be excluded or limited under applicable law.

22. INDEMNITY

To the extent permitted by applicable law, you agree to indemnify and hold harmless CrediKo, its directors, officers, employees and authorized representatives from claims, losses, liabilities and reasonable expenses arising from your violation of these Terms, fraudulent or misleading information submitted by you, your unlawful use of the Platform, your infringement of third-party rights, or your misuse of the Services.

23. SUSPENSION OR TERMINATION

CrediKo may suspend or restrict access to the Services where reasonably necessary, including where you violate these Terms, fraudulent activity is suspected, you provide false or misleading information, your activity creates security or legal risks, or suspension is required by law or regulatory direction.

Termination or suspension of access shall not affect rights or obligations that have already accrued.

24. CHANGES TO THESE TERMS

CrediKo may update these Terms from time to time to reflect changes in its Services, business practices, technology, applicable laws or regulatory requirements. The updated version will be published on this page with the revised "Last Updated" date.

Your continued use of the Services after an update may constitute acceptance of the revised Terms to the extent permitted by applicable law.

25. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by the laws of India.

Subject to applicable law and any mandatory dispute-resolution or grievance mechanism, courts having competent jurisdiction at Bangalore shall have jurisdiction over disputes arising from these Terms.

26. SEVERABILITY

If any provision of these Terms is found to be invalid or unenforceable by a competent authority, that provision shall be modified or severed to the minimum extent necessary, while the remaining provisions shall continue to remain effective.

27. NO WAIVER

Failure by CrediKo to enforce any provision of these Terms shall not constitute a waiver of its right to enforce that provision in the future.

28. FORCE MAJEURE

CrediKo shall not be responsible for delay or failure in providing Services caused by events beyond its reasonable control, including natural disasters, governmental actions, internet or telecommunications failures, cyber incidents, strikes, riots, war, or other similar events.

29. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, applicable consent notices, product-specific disclosures and any other terms expressly incorporated by reference, constitute the agreement governing your use of CrediKo's Services. Where a specific loan agreement or document issued by a Lending Partner conflicts with these Terms regarding the actual loan transaction, the Lending Partner's applicable loan documentation shall govern that loan transaction.

30. IMPORTANT DISCLAIMER

CrediKo is a loan facilitation/lead-generation platform and not a lender unless expressly stated otherwise. Loan approval, interest rate, loan amount, tenure, fees, charges and disbursement are subject to the eligibility criteria, credit assessment and policies of the respective bank/NBFC/lending institution. CrediKo does not guarantee loan approval or disbursement.

Users are advised to carefully review the Key Facts Statement (KFS), loan agreement, applicable fees, Annual Percentage Rate (APR), repayment schedule and other documents provided by the relevant Lending Partner before accepting any loan offer.

31. CONTACT US

Legal Entity: CreditKo
Brand: CrediKo
Registered Address: Bangalore
Email: support@creditko.in
Grievance Email: support@creditko.in
Website: https://creditko.in/

Last Updated: 26/08/2026