Terms of Service

1. Acceptance of Terms

1.1 Agreement Formation: These Terms constitute a legally binding agreement between you ("User", "Customer", "you") and Tre Cred Solutions Private Limited ("Vryfide Loans", "we", "us", "our").

1.2 Modifications: We reserve the right to modify, amend, or update these Terms at any time without prior notice. Continued use of our services after such changes constitutes acceptance of the modified Terms.

1.3 Additional Policies: These Terms incorporate by reference our Disclaimer and Privacy Policy, which form an integral part of this agreement.

2. Definitions

For the purposes of these Terms, the following definitions apply:

3. Our Services

3.1 Service Description: We provide the following services:

• Loan Facilitation: Matching borrowers with appropriate lending partners based on eligibility criteria
• Credit Card Services: Facilitating credit card applications with partner banks
• Financial Information: Providing educational content about loans, credit, and personal finance
• Comparison Tools: Tools to compare different loan and credit card products
• Application Processing: Processing and forwarding applications to lending partners

3.2 No Guarantee of Approval: We do not guarantee loan or credit card approval. Final approval decisions rest solely with our lending partners.

3.3 Market Disclosure: We receive commissions from lending partners for successful applications. This does not affect the interest rates or terms offered to you.

3.4 Service Limitations: Our services are limited to the Indian market and are intended for residents of India.

4. Eligibility

4.1 Age Requirement: You must be at least 18 years of age to use our services. By using our Platform, you represent that you are at least 18 years old.

4.2 Legal Capacity: You must have the legal capacity to enter into binding contracts under applicable law.

4.3 Indian Residence: Our services are currently available only to residents of India with valid Indian identification documents.

4.4 Credit History: While we work with various credit profiles, certain services may require minimum credit scores as determined by lending partners.

5. Registration & Account

5.1 Account Creation: To access certain features, you must create an account on Vryfide Connect (connect.vryfide.in).

5.2 Account Information: You agree to provide accurate, current, and complete information during registration and keep it updated.

5.3 Account Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

5.4 Account Termination: We reserve the right to suspend or terminate your account if we suspect unauthorized or fraudulent activity.

6. User Obligations

As a user of our Platform, you agree to:

• Provide Accurate Information: Submit only true, accurate, and complete information in all applications and communications
• Comply with Laws: Use our services only for lawful purposes and in compliance with all applicable laws and regulations
• No Fraud: Not engage in any fraudulent, deceptive, or manipulative activities
• Respect Intellectual Property: Not copy, distribute, or modify any content from our Platform without authorization
• No Interference: Not attempt to interfere with or disrupt the security or functionality of our Platform
• Document Authenticity: Provide only genuine documents and information for verification purposes

7. Intellectual Property

7.1 Ownership: All content, trademarks, logos, and intellectual property on the Platform are owned by or licensed to Tre Cred Solutions Private Limited.

7.2 Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use our Platform for personal, non-commercial purposes.

7.3 Restrictions: You may not:

• Copy, modify, or create derivative works of our content
• Use our trademarks or logos without prior written consent
• Reverse engineer or attempt to extract source code
• Use automated systems to access our Platform

7.4 User Content: By submitting content to our Platform, you grant us a worldwide, royalty-free license to use, display, and distribute such content.

8. Privacy & Data Protection

8.1 Privacy Policy: Our collection, use, and disclosure of your personal information is governed by our Privacy Policy.

8.2 Data Consent: By using our services, you consent to:

• Collection and processing of your personal information
• Verification of information with third parties
• Sharing information with lending partners for application processing
• Receiving communications related to your application

8.3 Security Measures: We implement industry-standard security measures to protect your data, but cannot guarantee absolute security.

8.4 Third-Party Services: We are not responsible for the privacy practices of third-party websites linked from our Platform.

9. Fees & Charges

9.1 No Hidden Fees: There are no hidden charges for using our Platform. All potential costs are disclosed upfront.

9.2 Third-Party Charges: Lending partners may charge processing fees, prepayment charges, or other costs as per their terms.

9.3 Our Revenue: We earn commissions from lending partners for successful applications. This does not increase your costs.

9.4 Tax Applicability: All applicable taxes will be charged as per government regulations.

10. Limitation of Liability

10.1 No Warranty: Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

10.2 Limitation: In no event shall Vryfide Loans be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from use or inability to use our services
• Third-party actions or conduct

10.3 Maximum Liability: Our maximum aggregate liability to you shall not exceed ₹5,000 or the fees paid by you in the last 6 months, whichever is lower.

10.4 Essential Basis: These limitations apply even if we have been advised of the possibility of such damages.

11. Termination

11.1 By User: You may stop using our services at any time by ceasing to access our Platform.

11.2 By Vryfide Loans: We may terminate or suspend your access to our services:

• For violation of these Terms
• For fraudulent or illegal activities
• If required by law or government authorities
• For operational or security reasons

11.3 Effect of Termination: Upon termination:

• Your right to use our services immediately ceases
• We may delete or deactivate your account
• Certain provisions survive termination (including intellectual property, limitations of liability, etc.)

12. Governing Law

12.1 Jurisdiction: These Terms shall be governed by and construed in accordance with the laws of India.

12.2 Dispute Resolution: Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

12.3 Arbitration: We encourage attempting to resolve disputes amicably. If unresolved, disputes may be referred to arbitration in Mumbai under the Arbitration and Conciliation Act, 1996.

12.4 Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in class actions.