Terms & Conditions
Please read these carefully before using our website.
Last Updated: October 2026
Welcome to Credinova Fintech. By accessing or using our website you are agreeing with the terms and conditions outlined below. Please read them carefully before using our website:
1. About Our Services
Credinova Fintech is a Direct Selling Agent that helps customers to connect with the trusted lending partners and explore suitable options in loans.
We offer Personal Loan, Home Loan, Loan Against Property, Professional Loan, Education Loan and Overdraft Facilities available through our lending partners.
2. Loan Application
Submitting a loan application through our website does not guarantee approval, sanction, or disbursal.
All applications are subject to the eligibility criteria, documentation requirements, credit assessment, policies and final approval of the respective lending partner.
3. Information Provided By You
You agree to provide accurate, complete and up-to-date information while submitting the application. All information provided by you should belong to you, or be shared by proper authorization.
4. Lending Partners
Credinova works with various banks and NBFCs. Loan amount, tenures, interest rates, processing fee, eligibility and other terms related to loan may vary depending on the lender's term and the applicant's profile.
5. No Financial Guarantee
Any information provided on this website is for general knowledge purposes and should not be considered a guarantee of approval, a promise to a particular interest rate, or a commitment to provide a loan.
6. Website Information
We make reasonable efforts to keep the information on our website accurate and updated. However, certain information, offers, rates or product details may change without prior notice.
7. Prohibited Use
You agree not to misuse the website, submit false information, attempt unauthorised access, interfere with its functioning, or use the website for any unlawful purpose.
8. Intellectual Property Rights
The content, branding, design, text, graphics, and other materials available on the Credinova website belong to Credinova and its respective licensors and may not be copied, reproduced or used without permission.
9. Privacy & Personal Information
Your personal information is handled in accordance with our Privacy Policy. Before agreeing with these Terms and Conditions, you acknowledge that you have read and understood the Privacy Policy.
10. Limitation of Liability
CrediNova is not responsible for loan approval, rejection, interest rates, loan amounts, tenure, charges, or other terms decided by lending partners. We are also not responsible for losses or issues arising from circumstances beyond our reasonable control, including technical failures, interruptions, or actions of third parties.
11. Changes to These Terms
CrediNova may update these terms and conditions from time to time. Any changes will be posted on this page with the updated date.
12. Website Availability
We aim to keep our website available and functioning smoothly, but we do not guarantee that it will always be available, uninterrupted, or error-free. The website may occasionally be unavailable due to maintenance, technical issues, updates, or circumstances beyond our reasonable control.
13. Severability / Waiver
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue to remain valid and effective.
If CrediNova does not enforce any provision of these Terms and Conditions at any particular time, this will not be considered a waiver of our right to enforce that provision in the future.
14. Governing Law & Jurisdiction
These terms and conditions shall be governed by and interpreted in accordance with the laws of India. Any disputes arising out of or relating to these Terms and Conditions shall be subject to the jurisdiction of the courts of Hyderabad, India.
15. Contact Us
If you have questions regarding these Terms and Conditions, you can contact us through the details provided on CrediNova's Contact Us page.
Questions about these terms?
Our team is happy to walk you through anything that's still unclear.