Terms of Use


All persons (the "Users" or individually a "User") visiting the website (the "Site") are required to read through and acquaint themselves with this document prior to proceeding to use the Site. Access to and use of the Site by a User is deemed to represent the User's consent to these Terms of Use and any amendments thereto. In case a User disagrees with these Terms of Use (as may be amended from time to time), he/she shall leave the Site and refrain from visiting it in the future.

The Site is owned and operated by Home Credit India Finance Private Limited, having its registered office at 3rd Floor, Tower C, DLF Infinity Towers, DLF Cyber City Phase II, Gurgaon, Haryana, (the "Operator"), which is authorised to exercise the ownership and intellectual property rights to the Site.

These Terms of Use regulate the rights and obligations of the Operator and the Users regarding the use of the Site. User is requested to read these Terms of Use carefully. This is a legally binding agreement between the User and the Operator, establishing the terms and conditions under which this Site may be used. In the event of any conflict between the terms and conditions of specific products and services and this disclaimer, the conditions specific to such products and services shall prevail. 

Use of Information and Materials
The Content (material, information, data, news items, etc.) contained on this Site is provided for general information only and should not be used as a basis for making business/commercial decisions. User is advised to exercise due caution and/or seek independent advice before entering into any arrangement or financial obligation based on the Content contained on this Site.

The Content contained in this site, including text, graphics, links or other terms are provided on an “as is”, “as available” basis and are protected by copyright in favour of Operator. User should not distribute text or graphics to others without the express written consent of the Operator. User should not copy, download, publish, distribute or reproduce any of the Content contained on this Site in any form without prior permission of the Operator. Use of the products or services described at this Site may not be permitted in some countries and if in doubt, User should check with the local regulator or authority before requesting further information on such products/ services. Products and Services are available only at the discretion of Operator, subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.

Lending Rate and other charges for various financial schemes and interest rates cited as examples of rates which may be in effect from time to time are indicative rates only and are subject to change at any time at the sole discretion of Home Credit India Finance Private Limited and applicable Indian laws.

Links to Other Sites
The Site may offer links to sites that are not under the Operator's control. If the Users visit any of these linked sites they should review each site's terms of use. Specifically, the Operator does not assume any responsibility for any obligations of any persons who offer, provide or mediate services or goods on such sites. The Operator is neither responsible for the policies and practices of other companies nor for the contents of linked thirdparty sites.

Obligations of Users
When using the Site the Users must not: interfere with the Site's security, integrity and operation in general; use the Site for the transfer of damaging files; or, attempt to enter non-public sections of the Site or access restricted information featured on the Site where the Users do not meet the criteria for accessing this information. The User is further required to observe the Operator's copyrights of this Site and, furthermore, to observe the third parties' rights to material and text posted by the Operator on the Site (including, but not limited to, trademarks, logos etc.) but owned by third parties and which is under the protection of appropriate Acts on the protection of intellectual property rights.

The User is fully liable for any risk for his use of this Site and the Operator does not assume any responsibility or liability for such risk. The contents provided on this Site is intended only for general information and does not represent any form of advice or recommendation.

This Site may contain advice/ opinions and statements of various professionals/ experts/ analysts, etc. Operator does not represent/ endorse the accuracy, reliability of any of the opinions/ statements/ information by such person. Reliance on these statements shall be at the risk of the user of this Site.Specifically, the Contents of this Site is not intended to be relied upon by Users in making any specific decisions (including investment decisions).

The Operator does not guarantee the accuracy, correctness, completeness, timeliness or availability of this Site's contents and/or services and does not accept any responsibility (e.g. towards the Users of the Site) in this respect. It is the responsibility of the user of this Site to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided on this Site.

No information sent to any client through this Site or available on this Site shall constitute any representation or warranty by the Operator, or its subsidiaries or affiliates regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity. To the maximum extent permissible by applicable laws the Operator shall not be liable for any direct, indirect, incidental or consequential damages, including, without limitation, damages for loss of profits, goodwill, loss of data or other intangible losses arising in connection with the use of the Site.

Limitation of Liability
Home Credit India Finance Private Limited, its subsidiary companies, its affiliates, and their directors and employees (Entities) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from use of this Site by any User or any linked site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Site, its Contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services even if the Entities are advised of the possibility of such damages, losses or expenses.

Dispute resolution and governing law

The use of this Site and these Terms of Use shall be governed by Indian law.Any dispute arising in connection with the use of this Site shall be settled before a court with appropriate local jurisdiction in India and in accordance with Indian law. Should any provision of these Terms of Use be held invalid or unenforceable for any reason, the invalid or unenforceable provision shall be severable from the remaining provisions and shall not affect the validity or enforceability thereof.

Changes to Site or Terms of Use
The Operator reserves the right to modify the appearance, contents, organization, location and accessibility of the Site at any time without prior notice. The publication of any data or information on the Site, with the exception of these Terms of Use, will not be considered as an act in law, unless expressly stated otherwise.

The user/client is expected to keep himself/ herself updated of any changes made in this Site and the information available on it on a regular basis and Operator undertakes no responsibility about advising the user/clients about any such changes. Though Operator will endeavour to ensure that information contained on this Site is obtained from sources which, it feels, are reliable, Operator does not warrant such information’s completeness or accuracy.

The Operator reserves the right to amend, from time to time, these Terms of Use, by republishing the amended wording of these Terms of Use on the Site. For this reason Users should regularly review these Terms of Use for any changes. Use of the Site after the republication of amended Terms of Use is deemed to represent the User's consent with the amended Terms of Use.

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Terms of Use

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