Important: These Terms and Conditions constitute a legally binding agreement between you and CreditEMI.com. By clicking "Apply Now", using our EMI calculator, checking your credit score eligibility, or submitting any form on this website, you confirm that you have read, understood, and agree to these terms.
1. Acceptance of terms
These Terms and Conditions ("Terms") govern your access to and use of CreditEMI.com, including all pages, calculators, comparison tools, loan application forms, and any services offered through this website ("Platform").
By accessing the Platform in any manner — whether by browsing, submitting an inquiry form, clicking an "Apply Now" button, or using any calculator — you unconditionally accept these Terms. If you do not agree, you must immediately cease using this Platform.
CreditEMI.com reserves the right to modify these Terms at any time without prior notice. Your continued use of the Platform following any changes constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.
2. About CreditEMI.com
CreditEMI.com is an independent online financial information and product comparison platform operated from Mumbai, India. The Platform provides comparison data, educational content, EMI calculators, IFSC code lookups, gold rate information, and access to loan and credit card application forms from partner banks and NBFCs.
CreditEMI.com is not a bank, NBFC, financial institution, insurance company, or SEBI-registered investment advisor. We do not disburse loans, accept deposits, process credit card transactions, or provide any regulated financial services. We act solely as an information aggregator and lead referral platform.
All loan approvals, interest rates, credit limits, and product terms are determined exclusively by the respective bank or NBFC. CreditEMI.com has no role in credit decisions.
3. Eligibility to use this platform
You must meet the following criteria to use the CreditEMI.com Platform:
- You are at least 18 years of age.
- You are a resident of India or an NRI with a valid Indian bank account.
- You have the legal capacity to enter into binding contracts under Indian law.
- The information you provide on any form or application is accurate, complete, and truthful.
- You are not prohibited by any law, regulation, or court order from accessing financial services platforms.
By submitting any form on this Platform, you represent and warrant that you meet all eligibility criteria listed above.
4. Permitted use of the platform
You may use CreditEMI.com for lawful personal, non-commercial purposes only. You agree not to:
- Submit false, misleading, or fraudulent information in any form or application.
- Use automated tools, bots, scrapers, or scripts to access or extract data from this Platform.
- Reproduce, republish, or commercially exploit any content from this Platform without written permission.
- Interfere with or disrupt the security, integrity, or performance of this Platform.
- Attempt to gain unauthorised access to any system, database, or user account associated with this Platform.
- Use this Platform to send unsolicited communications or engage in any illegal activity.
CreditEMI.com reserves the right to block access or report to authorities any user found violating these terms.
5. Loan and credit card applications
When you click "Apply Now" or submit a loan or credit card application form on this Platform, you understand and agree to the following:
All rates, EMI figures, and approval estimates shown on this Platform are indicative only. The final interest rate, loan amount, tenure, and EMI are determined solely by the lending institution after their own credit assessment. CreditEMI.com does not guarantee approval of any application.
CreditEMI.com may receive a referral commission from partner banks or NBFCs when a user applies for or is approved for a financial product. This does not affect the product terms offered to you.
6. EMI calculators and financial tools
The EMI calculators, eligibility checkers, gold rate trackers, and other financial tools available on CreditEMI.com are provided for general informational and educational purposes only. Results generated by these tools are based on the inputs you provide and standard mathematical formulas.
These results are indicative only. Actual EMI amounts, loan eligibility, and total repayment figures will differ based on the lender's processing fees, insurance charges, prepayment terms, GST, and other applicable costs not captured by the calculator.
CreditEMI.com shall not be liable for any financial decisions made based on calculator outputs. Always confirm your final EMI and loan terms with the lender before signing any loan agreement.
7. User data collection and consent
By using this Platform — including browsing, using calculators, checking IFSC codes, or submitting any form — you acknowledge that CreditEMI.com collects certain personal and behavioural data about you. This data is collected, stored, and used in accordance with our Privacy Policy.
You may withdraw your consent at any time by emailing support@creditemi.com. However, withdrawal of consent may affect our ability to process your loan enquiries or provide personalised recommendations.
8. Intellectual property
All content on CreditEMI.com — including text, graphics, logos, icons, images, data compilations, and software — is the property of CreditEMI.com or its content licensors and is protected under applicable Indian intellectual property laws.
You may not reproduce, modify, distribute, transmit, display, publish, or create derivative works from any content on this Platform without prior written consent from CreditEMI.com. Unauthorised use of our content may result in legal action.
Hyperlinks to CreditEMI.com from external websites are permitted provided they do not misrepresent our Platform, imply any endorsement, or frame our content within another website.
9. Limitation of liability
To the maximum extent permitted under applicable Indian law, CreditEMI.com, its directors, employees, affiliates, and content partners shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:
- Your use of or inability to use this Platform.
- Reliance on any information, tool, or calculator output published on this Platform.
- Rejection of any loan or credit card application by a partner bank or NBFC.
- Any unauthorised access to your data transmitted through this Platform.
- Any interruption, suspension, or termination of the Platform.
CreditEMI.com's total liability in any case shall not exceed the amount, if any, paid by you to CreditEMI.com in the 12 months preceding the claim.
10. Governing law and dispute resolution
These Terms shall be governed by and construed in accordance with the laws of the Republic of India. Any dispute arising from or relating to these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the competent courts in Mumbai, Maharashtra, India.
Before initiating any legal proceedings, you agree to attempt to resolve the dispute by contacting our support team at support@creditemi.com. We will endeavour to resolve all complaints within 7 working days.