Terms of use


Welcome to our website. Upkram Technologies Private Limited (hereinafter referred to as “Company”, “We”, “Us”, or “Our”) owns and maintains this website, www.credin.in (“Website”). Through this Website, the Company provides the credit and other financial products to its clients (“Services”).

By using the Website or the Services, you (hereinafter referred to as “End User,” “You,” or “Your”, “Yourself”) are agreeing to be bound by the following terms and conditions (“Terms of Use”). Please note that by browsing the Website, completing any online form, application or survey or availing any Service offered by the Company, You will be deemed to have read, understood and accepted the Terms of Use.

The Company may make changes, without prior notification, to the Terms of Use from time to time at the Company’s sole discretion. The revised Terms of Use shall be made available on the Website. You are requested to regularly visit the Website to view the most current Terms of Use. The Website may require You to provide Your consent to the updated Terms of Use in a specified manner before any further use of the Website and/or the Services is permitted. If no such separate consent is sought, Your continued use of the Website or the Services, following changes to the Terms of Use, will constitute Your acceptance of those changes


End User Agreement


End User agrees to the following: 1. End User will use the Website for lawful purposes only and comply with all applicable laws and regulations while using and transacting on the Website or availing any of the Services. 2. End User will provide authentic and true information in all instances where such information is requested from the End User. The Company reserves the right to confirm and validate the information and other details provided by the End User at any point of time. If upon confirmation, End User details are found not to be true (wholly or partly), the Company has the right in its sole discretion to reject the registration and debar the End User from using the Website, without prior intimation whatsoever. 3. End User shall access the Website and transact at End User’s sole risk and are using the End User’s best and prudent judgment before entering into any transaction through this Website.


End User Eligibility


You understand and accept that not all products and Services offered on this Website are available in all geographic areas, and You may not be eligible for all the products or Services offered by the Company on the Website. The Company reserves the right to determine the availability and eligibility for any product or Service


Prohibited Use


The Website and the Services may be used only for lawful purposes. You are prohibited from using any robot, spider or any other data mining technology or automatic or manual process to monitor, cache, extract data from, copy or distribute the intellectual property, proprietary material or other user content available on or accessed through the Website. You are also prohibited from using the Website in any manner that could damage, disable or impair the Website, or interfere with any other party’s use, or enjoyment of the Website.

Personal information You provide to the Company on the Website is governed by the Company’s Privacy Policy located at www.credin.in/privacypolicy. Your election to use the Website or avail the Services indicates Your acceptance of the terms of the Company’s Privacy Policy.


Intellectual Property Rights


You are aware and accept that all information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the Website is protected by copyright in favour of the Company under the applicable copyright laws and the general intellectual property law. You acknowledge that the Company owns all right, title and interest in and to the Services, including without limitation all intellectual property rights including, with respect to the applications and the Website associated with the Services. Accordingly, You agree that you will not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer, or in any way exploit, any part of any information, content, materials, Services available on or through the Website, except that which you may download for your own personal, non-commercial use. You also agree that You will not use any robot, spider, other automated device to monitor or copy any content from the Website. The Company is the sole owner of the Company marks, service marks, trade name and any other marks used by the Company (collectively “Trademarks”). You agree not to interfere with Our rights in the Trademarks, including challenging Our use, registration or application to register the Trademarks, anywhere in the world, and that You will not harm, misuse, or bring into disrepute any of the Trademarks. The goodwill derived from using the Trademarks or any part thereof, shall inure exclusively to the benefit of the Company. All Trademarks, domain name, trade dress including the look, feel and design of the Website, interfaces, etc., and the selection and arrangements thereof, is the property of the Company, unless otherwise indicated. All this is protected under copyright, trademark and other applicable intellectual property laws and may not be used by You, except as permitted by the Company. The Website is operated by and is the sole property of the Company. Any and all material on the Website is protected by patents, copyrights, trademarks, and other intellectual property rights that are owned by the Company or by other parties that have licensed such material to the Company. Modification of the materials on the Website or use of the Website, Services or other materials for any purpose other than for the purpose as agreed to between the parties is a violation of the said patents, copyrights, trademarks and other intellectual proprietary rights, and is expressly prohibited.


Disclaimer of Warranties


TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS AND CONTENT ON THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The information, software, contents, products and services included in or available through our Website may include inaccuracies, typographical errors and pricing errors. We assume no responsibility for any error, omission, interruption, deletion, corruption, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any End User communication or any content provided through the Website. The Company is not responsible for any problems or technical malfunction of any telephone network or lines, electronic networks, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on any of the Services or combination thereof, including any injury or damage to End Users or to any End User’s computer related to or resulting from participation or downloading materials in connection with the Website or the Services. Under no circumstances shall the Company be responsible for any loss or damage resulting from use of the Website or the Services, or from the conduct of any End Users of the Website or the Services, whether online or offline. The Services are provided “as-is” and as available and the Company makes no representations or warranties of any kind as to the Website, the Services or the content thereof, including without limitation, as to availability of the Website and/ or Services for access and use. In particular, the Company expressly disclaims all warranties of fitness for a particular purpose, accuracy, completeness or non-infringement. We cannot guarantee and do not promise any specific results from use of the Website and the Services.




You agree to defend, indemnify and hold harmless the Company, Our officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) Your use of and access to the Website; (ii) Your violation of any term of these Terms of Use or any other Company policy; (iii) Your violation of any third party right, including without limitation any intellectual property right or privacy right; (iv) or as a result of any infringing, threatening, libelous, obscene, harassing or offensive material uploaded / transmitted by You on the Website


Limitation Of Liability


To the fullest extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, special, punitive or consequential damages, or lost profits resulting from Your access to or use of the Website or Service, whether based on breach of contract, breach of warranty, tort (including negligence), or any other legal theory. This includes Your inability to access or use (including due to modification, suspension, blocking, discontinuance, cancellation, or termination of the Website or any part thereof) the Website. These limitations apply to any matter related to the Website, third party Internet sites, programs or conduct, viruses or other disabling features, incompatibility between the Website and other services, software, or hardware, and any delay or failure in initiating, conducting, or completing any transmission or transaction in connection with the Website in an accurate or timely manner. These limitations also apply even if this remedy does not fully compensate You for any losses, or fails its essential purpose; or even if the Company knew or should have known about the possibility of the damages. Without limiting the foregoing, under no circumstances shall the Company be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.


Third Party Websites


You understand and accept that the Company is not responsible for the availability of content, or other services on third-party sites linked from the Website. You are aware that the access of hyperlinks to other internet websites are at your own risk, and the content, accuracy, opinions expressed, and other links provided by these websites are not verified, monitored or endorsed by the Company in any way. The Company does not make any warranties, and expressly disclaims all warranties, express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party websites.


Choice Of Law And Jurisdiction


This Agreement shall be construed in accordance with the applicable laws of India. The Courts at vadodara shall have exclusive jurisdiction in any proceedings arising out of this Terms of Use




If any term, provision, covenant or restriction of these Terms of Use is held by a court of competent jurisdiction to be invalid, void or unenforceable, the remainder of the terms, provisions, covenants and restrictions of these Terms of Use shall remain in full force and effect and shall in no way be affected, impaired or invalidated.


No Waiver


The rights and remedies available under this Terms of Use may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.




You cannot assign or otherwise transfer the Terms of Use, or any right granted hereunder to any third party. These Terms of Use comprise the full and complete agreement between You and the Company with respect to the use of the Cloud Service and supersedes and cancels all prior communications, understandings and agreements between You and the Company, whether written or oral, expressed or implied with respect thereto


Cancellation Policy


Since Credin is incurring costs and dedicating time, manpower, technology resources and effort to your service and loan processing therefore cancellation of loan is not allowed and no amount/ fees/ charges will be refunded.


Refund Policy


During an application processing, Credin charges fee at defined rates (Mentioned in the FAQ) and communicated to the applicant well in advance. Refund cannot be provided for charged fee because resources and man hours spent on delivering the service are non-returnable in nature. Further, we can’t refund or credit any money paid to government entities such as taxes, or to other third parties with a role in processing loan application. Under any circumstance, fees and charges are non-refundable. For any grievance you can reach out to help@credin.in


Force Majeure


Credin shall not be considered in breach of any terms of service, and shall not be liable to the Client for any cessation, interruption, or delay in the performance of its obligations by reason of earthquake, flood, fire, storm, lightning, drought, landslide, hurricane, cyclone, typhoon, tornado, natural disaster, act of God or the public enemy, epidemic, famine or plague, action of a court or public authority, change in law, explosion, war, terrorism, armed conflict, labor strike, lockout, boycott or similar event beyond our reasonable control, whether foreseen or unforeseen (each a “Force Majeure Event”).


Credit Bureau T & C


In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by Equifax (“CIC”) through Upkram Technologies Pvt Ltd (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Agreement entered into between the Company and CIC, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Agreement entered into between the Company and CIC, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and CIC understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and CIC

E. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the “I Accept” button below, I am providing “written instructions” to Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from Equifax. I further authorize Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit Information from CIC.

H. By submitting this registration form, I understand that I am providing express written instructions for Company to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Company account. I further authorize Company to retain a copy of my information for use in accordance with Company’s Terms of Use and Privacy Policy.


J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against CIC L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. CIC is entitled to assign its rights hereunder to any third person without taking my prior written consent