Last Updated: 25 August 2026
These Terms of Use (“Terms”) govern your access to and use of the website, services, forms, content, and other offerings provided by Credvance Private Limited (“Credvance”, “we”, “us”, or “our”).
By accessing or using the Credvance website or submitting an enquiry or application through our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you should not use the website or submit information through our services.
- About Credvance
Credvance is a financial-services intermediary that facilitates access to financing products offered by banks, NBFCs, financial institutions, and other lending partners.
Depending on the nature of the particular arrangement, Credvance may act as a direct selling agent (DSA), sourcing partner, referral partner, or other authorized intermediary for one or more lending institutions.
Credvance is not itself a lender unless expressly stated otherwise.
Credvance does not independently approve, sanction, price, disburse, or service loans or other financial products unless expressly stated otherwise.
The relevant lending institution independently evaluates applications and determines whether to approve or reject an application and the terms of any financial product offered.
- Eligibility
By using the Credvance website or services, you represent that:
- You are legally capable of entering into a binding agreement under applicable law.
- The information you provide is accurate, complete, and current.
- You have the authority to provide any information or documents submitted on behalf of a business, company, partnership, proprietorship, or another person.
- You will not use the website or services for any unlawful or fraudulent purpose.
Where you submit information concerning another individual, you represent that you are authorized to provide such information and, where required, have obtained the necessary permission or consent.
- Nature of Our Services
Credvance may assist users in identifying and applying for financial products that may be suitable for their stated requirements.
Our services may include:
- Understanding your financing requirements
- Collecting and reviewing information provided by you
- Identifying potentially suitable lending partners
- Facilitating submission of applications to lending partners
- Assisting with document collection and application processing
- Communicating application status or requests for additional information
- Facilitating communication between you and lending partners
- Providing general information regarding available financing products
The availability of any particular service or lender may vary depending on your location, profile, eligibility, financing requirement, lender policies, and other factors.
- No Guarantee of Loan Approval
Submission of an enquiry or application through Credvance does not guarantee:
- Loan approval
- Loan sanction
- Loan disbursement
- A particular loan amount
- A particular interest rate
- A particular tenure
- A particular processing fee
- Approval by any specific lender
Each lending institution independently evaluates applications according to its own underwriting policies, eligibility criteria, documentation requirements, risk assessment, and applicable regulations.
Credvance has no authority to guarantee that a lender will approve or disburse any financial product.
- Information Provided by You
You agree to provide accurate, complete, and current information when using Credvance services.
You must not knowingly provide:
- False information
- Misleading information
- Forged or altered documents
- Documents belonging to another person without authorization
- Incorrect financial information
- Misleading information regarding income, turnover, liabilities, assets, ownership, or business operations
Credvance may refuse to process or may discontinue an application if information appears to be inaccurate, incomplete, misleading, fraudulent, or otherwise unsuitable for processing.
- Verification and Due Diligence
You authorize Credvance and, where applicable, relevant lending partners and authorized service providers to verify information and documents provided by you, subject to applicable law and any required consent.
Verification may include:
- Identity and KYC verification
- Business verification
- Contact verification
- Bank account verification
- Financial document verification
- Credit-related checks
- GST or tax-related verification
- Other reasonable checks required for processing a financing application
Additional information or documents may be requested during the application process.
- Sharing of Information With Lending Partners
When you request assistance in obtaining financing, Credvance may share relevant information and documents provided by you with one or more banks, NBFCs, financial institutions, or other authorized lending partners.
Such sharing will be carried out in accordance with our Privacy Policy, applicable law, and any required consent or authorization.
You acknowledge that different lending partners may independently evaluate the information provided and may contact you directly regarding your application, additional documentation, eligibility, sanction, or other aspects of the financing process.
- Lending Partner Terms
Where you proceed with a financial product offered by a lending partner, the relevant lender’s terms and conditions will apply to that financial product.
These may include terms relating to:
- Interest
- Processing fees
- Penal charges
- Security or collateral
- Repayment
- Prepayment
- Default
- Documentation
- Insurance
- Other applicable charges and obligations
You should carefully review the lender’s final sanction letter, loan agreement, terms and conditions, and other applicable documents before accepting a financial product.
Credvance is not responsible for the contractual relationship between you and the lending institution.
- Fees and Charges
Unless expressly communicated otherwise, Credvance does not guarantee that its services will be provided free of charge.
Where any fee is payable by a customer to Credvance, such fee will be communicated to the customer before the relevant paid service is provided.
Credvance may also receive fees, commissions, or other compensation from lending partners for services provided to them, subject to applicable arrangements and law.
Any applicable customer-facing fees or charges will be communicated separately.
- No Financial or Investment Advice
Information provided through the Credvance website is intended primarily to facilitate access to financing products and should not be treated as legal, tax, accounting, investment, or financial advice.
You should independently evaluate whether a financial product is appropriate for your circumstances and obtain professional advice where necessary.
Credvance does not provide any assurance that a particular financing product is the most suitable product for you.
- Website Content
The information contained on the Credvance website is provided for general informational purposes.
We make reasonable efforts to keep website information accurate and current, but we do not guarantee that:
- All information is complete or current
- Product availability will remain unchanged
- Interest rates, fees, eligibility criteria, or other terms displayed on the website will remain available
- Information relating to third-party lenders is error-free
- The website will always be available or uninterrupted
Actual financial product terms are determined by the relevant lending institution.
- Third-Party Services and Websites
The Credvance website or communications may contain links to third-party websites, applications, services, or resources.
These third-party services are controlled by their respective providers.
Credvance does not control and is not responsible for the content, availability, security, privacy practices, or terms of third-party websites or services.
Your use of third-party services may be subject to their own terms and privacy policies.
- Intellectual Property
Unless otherwise stated, the content and materials available on the Credvance website, including:
- Brand name and logos
- Text
- Graphics
- Designs
- Layout
- Images
- Software
- Website content
- Original articles and materials
are owned by or licensed to Credvance and are protected by applicable intellectual-property laws.
You may access and use the website for legitimate personal or business purposes.
You may not reproduce, modify, distribute, publish, sell, commercially exploit, or create derivative works from Credvance’s proprietary content without prior written permission.
- Prohibited Activities
You must not use the website or services to:
- Commit or facilitate fraud
- Submit false or misleading information
- Submit forged, altered, or fraudulent documents
- Impersonate another person or business
- Attempt to obtain financing through unlawful means
- Gain unauthorized access to the website or its systems
- Introduce malicious code or harmful software
- Interfere with website security or functionality
- Scrape or systematically extract website content without authorization
- Use the website for unlawful purposes
- Circumvent security or authentication mechanisms
Credvance may suspend or terminate access where it reasonably believes that these Terms have been violated.
- Electronic Communications
By using Credvance services, you agree that Credvance may communicate with you electronically through channels including:
- Telephone
- SMS
- WhatsApp or other messaging services
- Website notifications
- Other electronic communication methods
Such communications may relate to applications, document requirements, application status, financing opportunities, customer support, security, and other service-related matters.
Marketing communications will be handled in accordance with applicable law and our Privacy Policy.
- Availability of the Website
We may modify, suspend, restrict, or discontinue any part of the website or services at any time.
We do not guarantee that the website will be available continuously or without interruption.
We may also carry out maintenance, upgrades, security measures, or other changes that temporarily affect availability.
- Limitation of Liability
To the extent permitted by applicable law, Credvance will not be responsible for losses arising from:
- Rejection or non-approval of a financing application
- Changes in lending criteria
- Changes in interest rates, fees, or financing terms
- Actions or decisions of lending partners
- Delays caused by lenders or third-party service providers
- Inaccurate or incomplete information provided by you
- Unauthorized access resulting from circumstances beyond Credvance’s reasonable control
- Unavailability or interruption of third-party websites or systems
- Your failure to comply with the terms of a financial product
- Events beyond Credvance’s reasonable control
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under applicable law.
- Indemnity
To the extent permitted by applicable law, you agree to indemnify and hold harmless Credvance, its directors, employees, representatives, and authorized service providers from claims, losses, liabilities, costs, and expenses arising from:
- Your breach of these Terms
- Fraudulent, unlawful, or unauthorized use of the services
- False, misleading, or inaccurate information provided by you
- Submission of fraudulent or unauthorized documents
- Your violation of applicable law
- Your infringement of the rights of another person or entity
- Suspension and Termination
Credvance may suspend or terminate access to its website or services if:
- You breach these Terms
- Information provided by you is materially false or misleading
- Fraudulent activity is suspected
- Continued processing would violate applicable law or regulatory requirements
- Access creates a security or operational risk
- The relevant service is discontinued
Termination will not affect rights or obligations that arose before termination.
- Privacy
Your use of the Credvance website and services is also governed by our Privacy Policy, which explains how we collect, use, process, store, and share personal and financial information.
The Privacy Policy forms part of these Terms.
- Changes to These Terms
Credvance may modify these Terms from time to time to reflect changes in our services, business practices, technology, or applicable legal and regulatory requirements.
The updated Terms will be published on this website with a revised “Last Updated” date.
Your continued use of the website after updated Terms are published constitutes acceptance of the revised Terms, to the extent permitted by applicable law.
- Governing Law and Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws of India.
Subject to applicable law, courts having jurisdiction over Kottayam, Kerala shall have jurisdiction over disputes arising in connection with these Terms or your use of the Credvance website and services.
- Contact Us
If you have questions regarding these Terms or the Credvance services, you may contact us at:
Credvance Private Limited
Email: info@credvance.in
Phone: +91-8281792178
Registered Office: 833/B5, First Floor, Home Basics Spice, Kottayam, Kerala, 686004