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Terms & Conditions

Credit Bell is a company incorporated under Companies Act, 2013 having its registered address at Palam, New Delhi under ROC - Delhi. The Company is the owner of the mobile application and website at ………………………………., operated under the brand name of ‘Credit Bell’ (hereinafter collectively referred to as the "Platform"). As a user ("User") of this Platform, the User understands that Credit Bell provides access to the Users to various financial products, including but not limited to, personal/consumer loans, credit cards, insurance etc., offered by the financial partners of Credit Bell with a view to facilitate lending and borrowing activities. It is hereby clarified that the term  "Users" or “You” used under these Terms & Conditions shall mean any person accessing the Platform merely for browsing or for the purpose of availing product offered by the financial partners of Credit Bell. Your use of this Platform implies that You have read, understood and agreed to abide by following, disclaimer, terms & conditions ("Terms & Conditions"). These Terms & Conditions together with our privacy policy as provided on the Platform ("Privacy Policy") govern your usage of the Platform. If You disagree with any part of these Terms & Conditions, please do not use the Platform.

General

Credit Bell is a service provider facilitating the access between a Bank or Non-Banking Financial Company (“NBFC”) registered under Companies Act (“Financial Partner” or “Lender”) that is willing to lend and User desirous of availing a financial product. The final decision as regards lending and borrowing is also subject to the choice of the Financial Partner and the Users in their respective capacities as lenders / borrowers.
Credit Bell is a private limited company registered under Companies Act, 2013. Credit Bell is merely a facilitator providing the Platform to any person in need of financial products and does not directly provide any financial services to the Users. It is a marketplace connecting borrowers with partner Lenders to avail lending and financial services offered by the partners. It is not an organization registered with the Reserve Bank of India, nor Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India or a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.
In the event You wish to avail any of the financial products displayed on the Platform, You will be required to provide certain information and our representatives will contact You through phone or email to understand your requirements.

Credit Bell provides various services, including but not limited to the following (“Services”):

  1. Facilitating provision of loans to Users by various Lenders partnered with Credit Bell;
  2. Assisting the Users to obtain a credit card or other financial products from various Lenders who are partnered with Credit Bell;
  3. Assisting the Users with insurance offers from its partners;
  4. Assisting the Users to obtain their credit report through authorized agents partnered with Credit Bell. Credit Bell will monitor and update the credit report obtained by the User through the use of the Platform as and when Credit Bell receives such report from the authorized agents.
  5. Provision of support to the Users in verifying the financial capabilities of Users;
  6. Credit Bell will also provide you with spend analysis which analyses your income and expenses which is obtained by Credit Bell by way of bank SMS scraping and through its integration with third party service providers.
  7. Provision of a social score based on User’s Facebook, Twitter, Linkedin or any other social media accounts that are linked with User’s account on the Platform.
  8. In the event You have registered Your phone number on the ‘Do Not Disturb’ registers with Your network provider, You shall ensure to take all steps to enable the Company’s representative’s contact You via phone to provide details about different financial products and You shall ensure that such calls received by you are pursuant to You providing us with information and you shall not register a compliant with the relevant authorities for the same.

For the provision of the above-mentioned Services, Credit Bell will be using and sharing the information of the User with multiple Lenders as notified to you and other parties, as may be required for the purpose mentioned above and Credit Bell shall also run multiple credit checks to be able to get the best available offers to suit the needs of the Users. The collection, storing, use and transfer of information shared by the User shall be governed in accordance with the Privacy Policy

Eligibility

The User of this Platform unequivocally declares and agrees that the User is a natural / legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the services of the Company in accordance with the terms and conditions detailed under these Terms & Conditions. By registering on the Platform, the User hereby undertakes to agree and abide by the Terms & Conditions detailed herein. If the User violates any of these Terms & Conditions, or otherwise violates an agreement entered into through the medium of the Platform, Credit Bell may terminate the User’s membership, delete his/her profile and any content or information posted online by the User on the Platform and / or prohibit the User from using or accessing the Platform at any time in its sole discretion, with or without notice, including without limitation if Credit Bell believes that the User is under the age of 18 years.