Rules governing use of the KredSetu platform
By using KredSetu websites, webviews, and related digital services, you agree to these terms. KredSetu is a Lending Service Provider (LSP) operated by Resilience Engineering Private Limited. KredSetu acts solely as a lending facilitation platform and is never the lender of record — the lender of record is always the RBI-registered NBFC partner disclosed in the loan offer and Key Fact Statement.
1. Eligibility
- You must provide accurate and complete information.
- You must be legally eligible to enter into financial agreements in India.
- You are responsible for maintaining the confidentiality of your account access and OTPs.
2. Platform role
KredSetu may assist with discovery, comparison, onboarding, document collection, and communication flows for the RBI-registered NBFC lending partner currently disclosed on the platform (Narainsons Investments Finance and Consultancy Pvt. Ltd.). Final approval, underwriting, pricing, and disbursal remain the sole responsibility of the lending partner and are subject to their policies and applicable law.
3. User responsibilities
- Do not submit false, manipulated, or misleading documents.
- Do not misuse the site, the OTP flow, or support channels.
- Repayment obligations are governed by the final lender agreement you accept.
4. Permissions and data authorizations
By using the application and proceeding through relevant steps, you authorize KredSetu to collect and process the following information only for the purposes described in the Privacy Policy and product flow disclosures:
- Camera access only when you tap to upload PAN images or complete a live verification step.
- Approximate location only when prompted and only if you grant permission. The app remains usable if you decline.
- Two emergency contacts that you provide through manual entry or the system contacts picker for loan servicing and fraud prevention. We do not read your full contact list.
- The list of apps on your device that have a launcher activity for fraud prevention only. We do not access app contents or usage statistics.
- Your Google Advertising ID for attribution analytics and anti-fraud device identification.
- Financial-related SMS data, with your consent, for lending assessment, transaction verification, repayment analysis, and fraud prevention.
You may revoke device permissions from system settings. Revocation will not retroactively change processing already performed on the basis of prior consent or legal necessity, but it may limit your ability to complete new KYC or risk assessment steps.
5. Fees, charges, and disclosures
Product-specific charges, interest rates, and repayment structures are disclosed in the final offer, key fact statement, or sanction documents where applicable. No customer should rely on marketing pages alone for final binding pricing.
6. Suspension and termination
KredSetu may restrict or suspend access where misuse, fraud risk, legal issues, or policy violations are detected. We may also retain records as required by law.
7. Liability
The platform is provided on a best-effort basis. KredSetu is not liable for lender credit decisions, customer device issues, telecom delivery failures, or third-party service interruptions beyond reasonable control.
8. Governing framework
These terms are intended to operate alongside applicable Indian law, RBI-aligned lending practices, and binding product documents issued by the regulated partner.