Terms and Conditions

1. Collection of Credit Score and KYC Details
1. Purpose: We collect credit scores and Know Your Customer (KYC) details to assess and verify the identity, financial standing, and credit-worthiness of our customers and potential customers for the provision of our financial services.
2. Consent: By using our website and submitting your credit score and KYC details, you consent to the collection, use, and storage of this information in accordance with our Privacy Policy.
3. Accuracy: You agree that the credit score and KYC details you provide are accurate, complete, and up-to-date to the best of your knowledge.
4. Authorization: You authorize us to verify the information provided and to obtain additional information from third parties, including credit bureaus, for the purposes outlined in these terms.
2. Use of Information
1. Confidentiality: We maintain strict confidentiality of your credit score and KYC details, except where disclosure is required by law or for the purposes specified in our Privacy Policy.
2. Security: We employ industry standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction.
3. Retention: We retain your credit score and KYC details only for as long as necessary to fulfil the purposes for which it was collected, unless a longer retention period is required by law.
3. Disclosure of Information
1. Third Parties: We may disclose your credit score and KYC details to third parties, including our affiliates, service providers, regulatory authorities, and as required by law.
2. Marketing: We may use your information to send you marketing communications about our products and services, unless you opt out of receiving such communications.
4. Reference Call
1. Reference Verification & Follow-up: We may contact the references provided by you during the loan application process to verify your details. Additionally, in the event of non-payment or overdue installments, we may reach out to your references as part of our follow-up and recovery process.
5. Refund Policy – Digital Gold Buy/Sell
1. No Refund on Confirmed Transactions: Once a digital gold transaction (buy/sell) is confirmed and completed, no cancellation or refund is permitted. This is due to the real-time nature of gold price fluctuations and the irrevocable execution of trades.
2. Failed or Duplicate Transactions: In the event of:
   • Payment debited but transaction not completed
   • Duplicate payments due to technical errors
   We will initiate a refund to your original payment method within 5–7 working days after validating the claim.
3. Discretionary Refunds: In rare cases where a refund is deemed necessary due to platform errors or regulatory reasons, we will process the refund within 7–10 working days, subject to approval and verification.
4. Wallet Balance: Any unutilized wallet balance maintained with us for gold purchases is refundable upon request, subject to KYC compliance and applicable withdrawal charges (if any).
5. Contact and Escalation: For any issues related to refunds or failed transactions, please contact our customer support at:
   • 📧 Email: help@creditsea.com
   • 📞 Phone: +91-9240254922
6. Amendments
1. Modification: We reserve the right to modify these terms and conditions at any time without prior notice. The updated terms will be posted on our website, and it is your responsibility to review them periodically.
7. Governing Law
1. Jurisdiction: These terms and conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Raipur, Chhattisgarh, India.
8. Contact Us
1. Queries: If you have any questions or concerns about these terms and conditions or our privacy practices, please contact us at help@creditsea.com.

By using our website and providing your credit score and KYC details, you acknowledge that you have read, understood, and agreed to these terms and conditions and our Privacy Policy.