Terms & Conditions

Last updated: [Month] 2026

Note: This is draft structural content and not legal advice. Final wording should be reviewed by a lawyer familiar with Indian consumer protection and data protection law before publishing.

These Terms & Conditions govern your use of Credapt's services.

1. Services offered

Credapt provides credit advisory services, including credit report analysis, score-improvement planning, dispute resolution support, credit monitoring, loan-readiness consulting, and related guidance. We are not a lender and are not a credit bureau.

2. No guaranteed outcomes

We do not guarantee any specific credit score increase or loan approval. Outcomes depend on your individual credit history, lender policies, and credit bureau processing timelines. Our services consist of expert analysis and guidance only.

3. Payment terms

[Describe fees, billing cycle, accepted payment methods, and when payment is due, once pricing is finalized.]

4. Client responsibilities

You agree to provide accurate information and understand that the effectiveness of our guidance depends in part on the accuracy and completeness of what you share.

5. Limitation of liability

To the extent permitted by law, Credapt's liability is limited to the fees paid for the specific service in question. We are not liable for decisions made by lenders or credit bureaus.

6. Governing law & jurisdiction

These terms are governed by the laws of India, and disputes are subject to the jurisdiction of the courts of [State / City].