Disclaimer

The information provided on the Friends Credit platform is for general informational purposes only. While we strive to keep all information accurate and up-to-date, we make no warranties or representations of any kind about the completeness, accuracy, or reliability of any information on the platform.

Any reliance you place on such information is strictly at your own risk. We are not liable for any loss or damage arising from the use of our platform or reliance on the information provided.

Friends Credit operates as a DSA (Direct Selling Agent) and not as a lender, bank, or NBFC. Our role is limited to:

• Facilitating loan applications between customers and lenders
• Providing information about various loan products
• Assisting in documentation and application submission
• Coordinating communication between parties

All financial products, interest rates, fees, and terms are determined solely by the respective banks and NBFCs. We do not control or influence:

• Loan approval or rejection decisions
• Interest rates offered to customers
• Processing fees and charges
• Loan tenure and EMI amounts
• Disbursement timelines

While we make every effort to display accurate information regarding:

• Interest rates and offers
• Commission structures
• Bank policies and eligibility criteria
• Processing timelines

These are subject to change without prior notice by the respective banks and NBFCs. We are not responsible for any discrepancies arising from such changes.

Friends Credit, its directors, employees, or affiliates shall not be liable for:

• Any loan rejection by banks or NBFCs
• Any loss arising from loan transactions
• Delays in loan processing or disbursement
• Actions or decisions of third-party lenders
• Disputes between DSA partners and customers
• Any indirect, incidental, or consequential damages

While we strive to keep our platform running smoothly, we do not guarantee that:

• Our website will be available at all times without interruption
• The platform will be free from errors, bugs, or viruses
• All information will be accurate at all times
• Data transmission will be 100% secure (though we use industry-standard encryption)

We are not responsible for any technical issues, data loss, or downtime caused by factors beyond our control.

Our platform may contain links to third-party websites, bank portals, or external resources. We do not:

• Endorse or verify the content of external websites
• Control the privacy practices of third-party sites
• Guarantee the accuracy of external information
• Take responsibility for external site transactions

You access third-party links at your own risk. We recommend reviewing the terms and privacy policies of any external site you visit.

This disclaimer is governed by and construed in accordance with the laws of India:

• Any disputes arising shall be subject to the exclusive jurisdiction of Indian courts
• The laws of India apply regardless of where the user is located
• Users are responsible for compliance with local laws if accessing from outside India