Terms & Conditions

These Terms (“Terms”) constitute a legally binding agreement between you (“User” or “You”) and Early Credit (“Company”, “we”, “us”), effective from the time you access or use the Early Credit website (hereinafter referred to as the "website"). By accessing or using the Website, you acknowledge that you have read, understood and accepted these Terms and the accompanying Privacy Policy. If you do not agree to these Terms, you should not use the Website. By using the Website, you represent that you are at least 18 years of age or have obtained the legal consent of your parent or guardian and that you are fully able and competent to accept these Terms.

1. Site Description

1.1. The Early Credit website provides access to loan products and other credit facilities (hereinafter referred to as "loan facilities") offered by banks, non-banking finance companies (NBFCs) and other approved credit institutions (hereinafter referred to as "lenders"). The Website helps track, organize and analyze your financial transaction data ("Transaction Information") so that we can offer you personalized credit products. By using the website, you agree to share this information with lenders and affiliates as necessary.

1.2. "Transaction Information" includes information derived from your interactions on the Site, SMS messages sent to your registered mobile number by service providers, financial institutions and telecommunications operators and any data you choose to share in connection with financial transactions. This may include your contact details, payment card details and transaction-related information such as service/product descriptions and prices.

1.3. The Website does not directly access your bank, credit or debit card accounts or require your bank login or password. Only information that you choose to share, such as financial transaction details or SMS details, is used to offer you personalized credit products.

1.4. "Affiliates" means any company controlled by Early Credit, whether through ownership or management rights.

2. Acceptance of Terms

2.1. By accessing or using the Site, you agree to be bound by these Terms, including our Privacy Policy and any other notices or policies that may apply.

2.2. If you do not agree to these Terms or the Privacy Policy, you should not use the Website. Early Credit reserves the right to change these Terms at any time and any updates will be effective 24 hours after they are posted on the Website. It is your responsibility to regularly check the most current version of the Terms.

3. Use of the Website

3.1. You agree to use the Site in accordance with applicable laws and regulations.

3.2. Early Credit does not review or endorse any third-party products or services unless expressly stated.

3.3. We are not responsible for delays or failures in website performance due to server problems, network availability or any other infrastructure issues.

4. Fees and Payments

4.1. Although the Website may initially be free, Early Credit reserves the right to introduce subscription fees or charges for specific services in the future.

4.2. All payments should be made through payment methods designated by Early Credit, such as credit cards, debit cards or other payment gateways.

5. Termination and Suspension

5.1. Early Credit may terminate your access to the Website at any time, with or without notice, for any reason or no reason, without liability.

5.2. Early Credit may also terminate your access if you violate these Terms, any guidelines or applicable laws. We may block or restrict your access without notice.

6. Early Credit is Not a Lender

6.1. Early Credit is not a lender. The website acts as an intermediary between you and the lenders to facilitate your access to loan facilities. The terms of any loan or credit product are solely between you and the Lender.

6.2. Early Credit does not guarantee that any loan application will be approved and we are not responsible for any rejections or decisions made by lenders.

7. Disclaimer

7.1. To the extent permitted by law, Early Credit and its third-party partners disclaim all warranties, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose and non-infringement.

7.2. You agree that your use of the Website is at your own risk. The Website and its content are provided on an "as is" and "as available" basis. Early Credit does not guarantee continuous access, anti-virus protection or error-free functionality.

7.3. Early Credit does not guarantee the accuracy or completeness of any information available through the Website.

7.4. You acknowledge that any material or data downloaded through the Website is at your own risk and that you are solely responsible for any damage to your device or loss of data.

7.5. Early Credit is not responsible for endorsing or approving third-party products or services listed on the Website.

8. Intellectual Property

8.1. Early Credit retains all rights to the Website, including its content, trademarks, designs, logos and other intellectual property. Any unauthorized use or reproduction of these elements may result in termination of your access to the Website and legal action.

9. Consents

9.1. By using the Website, you agree to:

Early Credit does not obtain your credit score directly from any source.

10. Limitation of Liability

10.1. In no event shall Early Credit or its affiliates be liable for any direct, indirect, incidental, consequential or punitive damages arising out of your use of the Website, including lost profits or business opportunities.

11. Indemnification

11.1. You agree to indemnify and hold Early Credit, its affiliates and agents harmless from any claims, liabilities, damages or costs arising out of your use of the Website.

12. Miscellaneous

12.1. Notice: Any legal notice should be sent to Early Credit's headquarters.

12.2. Force majeure: Early Credit is not responsible for delays caused by unforeseeable circumstances beyond its control.

12.3. Severability: If any provision is held invalid, the remainder of the Terms will remain in effect.

12.4. Assignment: You may not assign your rights under these Terms. Early Credit may assign its rights to others.