Please read these terms carefully before using the platform.
By accessing or using this platform and its services, you acknowledge that you have read, understood, and agree to be bound by the Terms and Conditions, our Privacy Policy, and all applicable laws and regulations in India.
These Terms govern your access to and use of Click4Cred, a digital lending platform operated by Parika Investments Pvt. Ltd..
Click4Cred acts solely as a digital loan application and facilitation platform for loans that are approved and disbursed by RBI-registered NBFCs.Click4Cred does not independently approve loans, determine interest rates, or make lending decisions.
These Terms and Conditions are published in compliance with Indian laws, including but not limited to:
This document is an electronic record under the Information Technology Act, 2000 and constitutes a legally binding agreement between you and Parika Investments Pvt. Ltd. and/or its Lending Partners.
Loan services are available only to Indian residents who are legally competent to enter into binding contracts under the Indian Contract Act, 1872. Minors, undischarged insolvents, or individuals deemed legally incompetent are not eligible. Click4Cred and its lending partners reserve the right to refuse service without any obligation to provide reasons.
You agree that any personal information shared with Click4Cred will be shared with Lending Partners for loan assessment, processing, servicing, and other related purposes.
To avail a loan, completion of KYC norms and submission of required documents is mandatory. The KYC process is conducted by the Lending Partner. You explicitly consent to access of your credit bureau records for evaluating your creditworthiness.
You agree not to use the platform in violation of any applicable laws. Parika Investments Pvt. Ltd. and its Lending Partners are not liable for any misuse of services or disputes arising from such misuse.
By providing your contact details and accepting these terms, you authorize Parika Investments Pvt. Ltd., its employees, affiliates, and service partners to contact you via phone calls, SMS, WhatsApp, or other electronic means for:
This consent overrides any registration under the DND/NCPR list maintained by TRAI.
The Lender reserves the right to modify these Terms & Conditions at any time. Continued use of the platform constitutes acceptance of the revised terms.
These Terms & Conditions are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts located in Delhi, India.
