Welcome to Investkraft! By using the Investkraft platform for personal loans, you agree to abide by the Terms and Conditions and the Privacy Policy outlined below. We encourage you to familiarize yourself with these terms to ensure a clear understanding.
Note: By registering, browsing, accessing, downloading, or using the Investkraft platform for personal loan services, you are entering into a legally binding agreement with Investkraft Technologies Private Limited and any associated entities.
PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE INVESTKRAFT PLATFORM
The website and the Investkraft mobile application are owned and operated by Investkraft Technologies Private Limited. The platform offers a range of financial services, including personal loans, and provides a seamless digital experience for its users. Investkraft Technologies ensures that all electronic records and contracts created through the platform comply with the Information Technology Act, 2000, which governs electronic documents and records in India.
By using the Investkraft platform, you agree to the following terms:
- Definitions:
- "We," "Us," "Our," and "Company" refer to Investkraft Technologies Private Limited and its affiliated entities.
- "You," "Your," or "User" refers to anyone using the platform, whether an individual or corporate entity.
- "Investkraft Platform Services" refer to the personal loan services offered through the Investkraft platform, including related activities like loan applications, documentation, and financial transactions.
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Age Requirement:
You must be at least 18 years old to use Investkraft's personal loan services. If acting on behalf of a minor, you confirm that you have the legal authority to do so.
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Consent for Credit Information:
By using the platform, you agree to allow us to access and use your credit information from Credit Information Companies like CRIF High Mark or Experian to assess your loan eligibility.
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Use of Platform:
The Investkraft platform is to be used solely for personal loan purposes. Any actions that violate laws, such as money laundering, tax evasion, or fraud, are strictly prohibited. All transactions must be carried out through your own bank account, ensuring compliance with legal regulations.
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Confidentiality:
You are responsible for maintaining the confidentiality of your account credentials. Any unauthorized use must be reported immediately to care@Investkraft.com.
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Communication Consent:
By registering, you consent to receive communications via SMS, email, or other electronic means regarding your loan application, processing, and related matters. You can opt out of these communications by contacting support.
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Data Sharing and Privacy:
To provide personal loan services, we may share your data with third-party service providers or affiliated companies. Your data will be processed as per our Privacy Policy.
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Eligibility:
Not all personal loan products are available to all users. We and our service providers reserve the right to determine eligibility for any loan products offered on the platform.
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Limitation of Liability:
Investkraft Technologies is not liable for any delays, non-processing of transactions, or losses resulting from your use of the platform. You are responsible for ensuring that all transactions are completed successfully and on time.
By continuing to use the Investkraft platform, you accept and agree to these terms. If you do not agree with any part of these Terms and Conditions, you should not use the platform for personal loan services.
For any queries or support, feel free to contact us at care@Investkraft.com.
Services Related to Personal Loans
- Please note that while Investkraft offers various financial products and services, such as personal loans etc., these are provided by third-party service providers. Any interaction, transaction, or communication with such third-party providers is solely between you and them. Investkraft will not be held responsible for any issues arising from these third-party services, including their conduct, negligence, breach of confidentiality, or non-compliance with laws.
- You acknowledge that all your decisions regarding personal loans, despite any services provided by Investkraft, are based on your own independent assessment of risks, benefits, and financial circumstances. You are responsible for verifying all relevant details before proceeding.
- Neither Investkraft nor its employees, directors, or agents are liable for any advice or representation made. It remains your responsibility to evaluate and make informed decisions about the personal loan services available through the Investkraft platform.
- Investkraft does not guarantee that using its platform for personal loan services will lead to profits, avoid losses, or meet specific financial goals. It is not liable for any errors in judgment, technical issues, tax consequences, or regulatory challenges that may arise from availing of these services.
- Investkraft does not directly provide or disburse personal loans. It only enables you to compare various loan options offered by banks and NBFCs (Non-Banking Financial Corporations) in India. The terms and conditions, including interest rates, will depend on your credit profile and chosen loan product. Investkraft holds no responsibility for the rates or terms offered by third-party banks and NBFCs.
- By using Investkraft’s services, you agree to its Privacy Policy. Your information shared on the Investkraft platform may be shared with group companies and business partners for business purposes.
Confidentiality
You understand that, in the course of using Investkraft's services, you may obtain proprietary information related to the platform. This includes trade secrets, technology, software, business strategies, and more. You agree not to disclose this information without Investkraft’s written consent and will take necessary measures to maintain confidentiality.
Use and Protection of Intellectual Property Rights
The Investkraft platform is protected by intellectual property laws, including copyrights and trademarks. You are granted limited rights to use the platform for personal, non-commercial purposes. Any reproduction, modification, or distribution of its content without explicit written permission is prohibited.
Privacy
During your use of the Investkraft platform, you will provide certain personal information. Investkraft is committed to protecting your privacy as outlined in its Privacy Policy, available on its website. If you have any concerns about how your information is used, you can review the Privacy Policy or contact their customer support.
Investkraft ensures customer privacy, and if a request for information deletion is raised, it will be processed through the Grievance and Management team for review and approval.
Limitation of Liability, Indemnity, and Warranty
- Investkraft and its affiliates will not be liable for any losses or damages arising from your use of the platform or availing of third-party personal loan services.
- You agree to indemnify Investkraft and its affiliates against any liabilities resulting from the misuse of the platform or any breach of terms on your part.
- You warrant that all the information you provide to Investkraft is accurate and up-to-date.
- You acknowledge that any personal loan decisions are made at your own risk, and Investkraft will not be held responsible for any losses.
- Investkraft and its affiliates disclaim all statutory, express, or implied warranties related to the platform and its services.
Consideration
While the use of the Investkraft platform is free, certain services may be subject to fees. These fees will be communicated clearly during registration or at the time of availing specific services. All applicable fees are exclusive of taxes like GST, and once charged, they are non-refundable.
Disclaimers
The user acknowledges that the personal loan services offered through the Investkraft platform are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, about the operation of the platform or the information and content presented. By using the Investkraft platform, you expressly agree that your use is at your sole risk.
To the fullest extent permitted by applicable law, we disclaim all warranties, whether express or implied. We do not guarantee that the Investkraft platform, its servers, or any communications (email or otherwise) from the platform are free from viruses or harmful components. We will not be held liable for any damages arising from your use of the Investkraft platform, including direct, indirect, incidental, punitive, and consequential damages.
All loans are subject to credit approval, and terms may vary. Past performance does not indicate future success, and you should carefully read all related documentation before proceeding.
Any interaction, communication, or transaction between the user and any third-party provider with respect to loan services is an independent transaction between the user and such third-party provider. We bear no responsibility for outcomes arising from such dealings, transactions, or interactions. You agree to hold Investkraft harmless from any costs, claims, damages, or losses that may occur as a result of such interactions with third-party providers.
We do not warrant, endorse, or assume responsibility for any product or service advertised or offered by third-party providers and are not responsible for any transaction between you and them. Exercise your best judgment and caution when engaging with third parties.
The logos/trademarks displayed on the platform belong to their respective owners. Their presence does not imply any affiliation or endorsement by Investkraft. We are not liable for any loss, including missed opportunities or damages resulting from the non-execution of personal loan transactions due to technical failures, including insufficient funds in your account.
Investkraft accepts no liability for any loss or damage arising from the user’s actions in relation to loan applications or services.
Force Majeure
In the event of any force majeure incident—such as natural disasters, government action, technical failures, or any other situation beyond our reasonable control—Investkraft will not be liable for any failure to fulfill its obligations. Our obligations shall be suspended as long as the force majeure event continues.
Severability
If any part of this agreement is found to be unlawful, invalid, or unenforceable in any jurisdiction, the remaining provisions shall continue in full force and effect.
Waiver
The failure or delay of any party to exercise any right under this agreement shall not operate as a waiver, nor shall any partial exercise of any right preclude further exercise of that or any other right.
Assignment
We reserve the right to transfer, subcontract, or otherwise delegate our rights and obligations under these terms without further notice. You may not assign or transfer your rights under this agreement to any third party.
Dispute Resolution
Any disputes arising out of or in connection with this agreement shall be referred to arbitration under the Arbitration and Conciliation Act, 1996. The sole arbitrator shall be appointed by the company, and the venue of arbitration shall be New Delhi, India. The proceedings will be conducted in English, and the arbitrator’s award shall be final and binding on the parties.
Governing Law
These terms are governed by the laws of India. You agree to submit to the exclusive jurisdiction of the courts in New Delhi for any disputes arising out of your use of the Investkraft platform.
Entire Agreement
These terms, along with other relevant guidelines and policies, represent the complete agreement between you and Investkraft. They supersede all previous agreements, whether written or oral.
Survival
Certain provisions of this agreement, such as limitations of liability, dispute resolution, and governing law, shall survive any termination of this agreement.
User Support
For any queries or concerns related to personal loans or the Investkraft platform, users can contact us via email at care@investkraft.com or visit the customer service page.
Modification of Terms
Investkraft reserves the right to modify or amend these terms at any time. Changes will take effect upon posting, and your continued use of the platform constitutes your acceptance of the updated terms. If you disagree with any changes, your sole remedy is to discontinue using the platform.
care@investkraft.com 
+91-9797971876
+91-9797971876