Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the website, platform, products, and services (collectively, the "Services") offered by Kiranovations Technology Pvt. Ltd. (CIN: U74999HR2020PTC091133), operating under the brand name Crego, ("Company", "we", "us", or "our").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

2. Definitions

• "Platform" refers to Crego's digital lending infrastructure, APIs, dashboards, and any associated tools or services.
• "User" refers to any individual or entity that accesses or uses the Services, including lenders, borrowers, partners, and agents.
• "Client" refers to a business entity that has entered into a separate service agreement with the Company to use the Platform.
• "Content" includes all text, data, graphics, software, and other materials available through the Services.

3. Eligibility

You must be at least 18 years of age and competent to enter into a binding contract under the Indian Contract Act, 1872, to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.

4. Use of Services

You agree to use the Services only for lawful purposes and in accordance with these Terms. You shall not:

• Use the Services in any way that violates any applicable law or regulation.
• Attempt to gain unauthorized access to any part of the Services, other accounts, computer systems, or networks connected to the Services.
• Interfere with or disrupt the integrity or performance of the Services.
• Reverse engineer, decompile, or disassemble any aspect of the Services.
• Use the Services to transmit any malicious code, viruses, or harmful content.
• Reproduce, duplicate, copy, sell, or resell any part of the Services without express written permission.

5. Intellectual Property

All intellectual property rights in and to the Services, including but not limited to software, APIs, design, trademarks, logos, and content, are owned by or licensed to the Company. Nothing in these Terms grants you any right, title, or interest in the Services other than the limited right to use the Services in accordance with these Terms.

6. Fees and Payment

Certain Services may be subject to fees as outlined in a separate service agreement or as displayed on the Platform. All fees are exclusive of applicable taxes unless otherwise stated. Payments are processed through authorized payment gateways. You agree to provide accurate billing information and authorize us to charge applicable fees.

7. Confidentiality

Each party agrees to keep confidential all non-public information disclosed by the other party in connection with the Services. Confidential information shall not be disclosed to any third party without the prior written consent of the disclosing party, except as required by law.

8. Data Protection

Your use of the Services is also governed by our Privacy Policy. We are committed to protecting your personal data in accordance with the Digital Personal Data Protection Act (DPDPA), 2023, and other applicable data protection laws. Please review our Privacy Policy for details on how we collect, use, and safeguard your information.

9. Disclaimer of Warranties

The Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. The Company does not warrant that the Services will be uninterrupted, error-free, or secure. To the fullest extent permitted by law, the Company disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities arising out of or related to your use of the Services. The Company's total aggregate liability shall not exceed the fees paid by you (if any) in the twelve (12) months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in connection with your use of the Services, violation of these Terms, or infringement of any third-party rights.

12. Termination

We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law and Jurisdiction

These Terms 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 in Gurugram, Haryana, India.

14. Amendments

We reserve the right to modify these Terms at any time. Changes will be effective upon posting of the revised Terms on the Platform. Your continued use of the Services after any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Us

If you have any questions about these Terms, please contact us at: