Terms & Conditions

Disclaimer

• By agreeing to these terms and conditions or by downloading, installing or otherwise using the Services provided by Kreon, you accept and agree to the terms and conditions herein. Non-acceptance of these terms shall disqualify you from accessing or using the Application or the services.
• In order to participate in certain other Services provided through the application, you will be notified that you are required to agree to additional terms and conditions. Kreon may modify this document from time to time and such modification shall be effective immediately. You agree to be bound by any changes to this Document when you use the Services after any such modification is updated.

Definitions

• Application / App: "Application/App" shall refer to the StuCred platform, i.e. the mobile application or the algorithm created, developed, designed and made available by Kreon.
• Application Services: shall include the mobile application offered by Kreon, services offered through the mobile application and emails sent by Kreon.
• Bank Account: "Bank Account(s)" shall mean a bank account maintained by the User with a bank.
• Electronic Device: shall refer to any computing or electronically operated machine capable of accessing the StuCred platform.
• Kreon: shall mean KREON FINNANCIAL SERVICES LIMITED, a non-banking financial company incorporated under the erstwhile Companies Act, 1956 and now governed by the Companies Act, 2013 and registered with the Reserve Bank of India.
• Loan: shall mean the amount/sum of money a user may apply through the Application for the consideration of Kreon.
• Loan Agreement: shall mean the loan agreement to be executed between Kreon and the User.

Privacy Policy

Kreon's privacy policy ("Privacy Policy") as agreed to by the User, shall be applicable to all Services.

Eligibility

• In order to assent to these terms and use the Application or Services, you must have attained the age of majority, i.e. 18 years in India, as prescribed under Indian law and provide valid KYC documents as mandated by Kreon.
• Kreon reserves the right to disallow any User from using the Services in the event that the eligibility criteria set out in this clause are not met.

User Account

• In order to use the Application and avail the Services offered by Kreon, the User must register for and maintain a user account.
• You agree to use only your User account and not use the User account of any other person or assist others in obtaining unauthorized access to any User account.
• You authorize Kreon to acquire your credit information report from one or more credit information companies.

Communication

• For the purpose of this Document, the User agrees to receive communications & notifications from Kreon via SMS, Email, RCS, WhatsApp, or any other electronic medium.

Prohibited Use

As a condition of your use of the Services, you will not use the App/Website for any purpose that is unlawful or is prohibited by this Document or by any applicable law. You shall not display, upload, modify, publish, transmit or share any information that:

• Belongs to another person and to which you do not have any right;
• Is grossly harmful, harassing, defamatory, obscene, or otherwise unlawful;
• Harms minors in any way;
• Infringes any patent, trademark, copyright or other proprietary rights;
• Contains software viruses or any other computer code designed to interrupt, destroy or limit the functionality of any computer resource.