Terms & Conditions

Each client should obligatorily peruse the agreements of the site with care. For utilizing our site, you ought to go through the accompanying agreements cautiously and consent to them.

We thank you for your visit to our site. Whenever you are an enrolled client or a visitor client of our site, you would be referred to as a "Client" in these agreements fragment and on the off chance that you are utilizing our site to profit from our offered administrations, you will undoubtedly stick to these agreements ("Terms of Use"). Likewise, you should submit to every one of the extra circumstances and terms that are being recorded beneath and in different pieces of the site too. These agreements might fluctuate every once in a while. Our group urges every one of our clients to peruse every one of the Terms and Conditions thoroughly at whatever point they pick to benefit from the administration from our site.

The site is possessed and worked by Jointolead Private Limited, an organization that is officially fused under the arrangements of the Companies Act, 2013. Every one of the references to the Website in these Terms of Use will consider alluding to the previously mentioned element.

We save every one of the privileges to change the terms of use in the proper way of time. These progressions would be successful from the date and time when the progressions are posted on the site. Assuming that you utilize our site, you would need to acknowledge the changed terms of use. Any case later on that you don't know about the terms wouldn't be engaged under any conditions.

The substance that is set out in this site catches an electronic record according to the conditions of the Information Technology Act, 2000 and decides that is material and altered occasionally. This specific record legitimately requires no sort of computerized or actual marks and structure a substantial and official arrangement between the client and the site. Moreover, you ought to peruse completely every one of the Terms and Conditions that are made accessible to the User compatible and is as per the arrangements of Rule 3 (1) according to the Information Technology Rules set up in 2011.

Client Eligibility:

The site can be utilized by just those individuals who have the situation with legitimately agreeing according to the Indian Contract Act, 1872. The people who are viewed as uncouth of contracting according to the Indian Contract Act, 1872, including minors, undischarged insolvents, and so forth Wouldn't be qualified for utilizing the site under any circumstances. On the off chance that an individual getting to the site is a minor (under 18 years old), such an individual wouldn't be allowed to enlist as a User of our Website.

We hold every one of the freedoms of ending any participation and decline in giving admittance to our site assuming it is brought as far as anyone is concerned that the client is under 18 years of age.

By tolerating every one of the Terms of Usage, the client of our site would permanently pronounce and embrace that he/she is of legitimate age (at least 18 years of age) and is equipped for going into an agreement that is allowable according to the pertinent regulations.

The client of our site ought to fundamentally hold a rupee-named current/investment account with any enlisted bank in India.

The client should hold a Permanent Account Number (PAN), apportioned by The Income Tax Department of India.

To be qualified to be a borrower of an individual credit from our site, the User should be:

The client should be a salaried person.

  • (a) Should be situated in India;
  • (b) Should not be jobless inside the most recent half-year from the date of applying for a personal loan.
  • (c) Should not be associated with any nature of criminal or common prosecution that is founded against him/her.
  • (d) Must consistently be getting a month-to-month compensation in his financial balance

Join and Register:

As coordinated, any individual would have the option to get close enough to the site, either as a visitor or by enlisting on our site. Albeit a visitor client would have the option to get to every one of the site's segments, there are a couple of areas that would be gotten to simply by the enrolled clients.

Every one of the qualified clients who wish/has previously enrolled themselves with the site would be expected to have a record made on our site by topping off every one of the essential subtleties.

By applying for the enlistment on our site, the User would assent and approve us in completing every one of the confirmations and checks. As a piece of the enlistment strategy: We will run character, KYC, and extortion checks.We would acquire a FICO assessment for clients from the Credit Information Bureau. Carry out work check/home confirmation.

On the off chance that a client fills in any data on your site that ends up being wrong, not refreshed, or is deficient, the site would consider that it has been done intentionally, and subsequently, we would have every one of the freedoms to suspend or even forever end your client record and afterward reject any current or further utilization with us later on.

The site's clients might have to give specific individual data and afterward explicitly grant the site from getting to and gathering and clutching all the individual data of the site clients. All such arrangements as far as capacity, assortment, use, maintenance, and divulgence of the Personal Information about the clients will be dependent upon the security strategies of the site.

Enrollment is liberated from cost to any individual who wishes to enlist on our site. Benefiting for an individual advance from our site likewise requires no handling charges

Utilization of Website:

To acquire an individual credit from our site, you should sign on to your account.

Every one of the enrolled clients of our site will be exclusively liable for every one of the exercises that are connected with our record and the site or the element who is working the site wouldn't be mindful or obligated for any sort of criminal operations including the abuse, unapproved access or hacking of the site or any sort of refusal to get to the site for any sort of reason.

All the site clients ought to necessarily be ready to affirm as well as recognize that they have been given one duplicate of the credit arrangement made between the loan specialist and borrower. Every one of the clients ought to affirm that they have perused as well as seen every one of them expressed terms and states of the Loan Agreement and upon execution, do therefore submit to something similar under any circumstance.

On the off chance that the client discovers that any of the individual data given by them to their account is being abused or being hacked, then, at that point, they ought to promptly advise the site absent a lot of deferrals.

We reserve the option to decline to follow up on any of the guidelines that are gotten from any client we accept

  • (a) was hazy
  • (b) was not given by an enrolled client
  • (c) could make us break a regulation
  • (d) proposes that the site in some way or another being abused for any sort of criminal behavior.

Any sort of unapproved admittance to our site by the client will be ended to utilize the site for a brief time or for all time.

The client shouldn't save or download duplicates and print any happy of the site to involve it in an unapproved way for any sort of business gain.

The site possesses every one of the privileges in rejecting or dropping the enrollment of the clients and banning any sort of individual from involving the site for a specific explanation for a brief time or forever.

Loaning Procedure, Terms, and Conditions:

On the off chance that the moneylender wishes to loan, the bank would have the choice of choosing one or even various profiles of borrowers to whom the enlisted bank would wish to loan from the various borrowers' profiles that are referenced on the site.

The bank would consent to offer the principal credit within the initial thirty days from the enrollment date on the site.

Endless supply of the borrower, the Registered Lender would have the option to move a sum that is equivalent to the sum that the borrower wishes to loan with practically no allowance.

There would mandatorily be an arrangement between the borrower and the bank.

The individual credit sum would be charged to the ledger of the borrower.

Terms For Borrowing:

A borrower is qualified to get from the site by posting a necessity of personal laon and finishing the application interaction.

During the enlistment technique, a borrower ought to mandatorily enter the whole subtleties of his/her ledger for reimbursement.

When a credit demand is posted, he/she concurs:

  • (a) To give us all the necessary extra data for the effective handling of the credit.
  • (b) Approve us in checking the candidate's credit score by gaining something similar from the Credit Information Bureau in India.
  • (c) The credit sum that is endorsed by the Lender is obligatory to be acknowledged by the borrower.


Any amount might be charged as postponed charges or late expenses or any nature of correctional charges.

Every one of the gathered reimbursements will be moved to the bank's account and the equilibrium would show all the got EMIs on schedule. In any case, it could require as long as 3 days for the EMI receipt to consider the borrower's record.

Administration of Loan:

EMI The EMIs will begin from the loan disbursement date. The lender will begin earning interest after 5 days from his date of investment or the loan disbursement day, whichever is before.

Terms of repayment Any borrower who may wish in compensating the loan can compensate the loan without paying any repayment charges.

Missed disbursements In case a borrower misses a prepayment, he/ she should write a dispatch to inform the company. Upon damage of any similar dispatch, we may take any of the following conduct

  • a. Describe the charges of the detention.
  • b. Inform the lender regarding the detention
  • c. If your account is to be reported under the Defaulter’s order.
  • d. Inform the Credit Information Bureau concerning the borrower’s payment dereliction

Dereliction order borrowers:

A borrower would be classified as a defaulter if

  • a. Fails to pay three successive payments.
  • b. If we admit information about the borrower’s death.

Closing Your Account:

Formerly all disbursements of the loan quantum have been completed, you may conclude to close your loan account with us by writing to us.

We hold the right of terminating the enrollment of your loan account if you have handed some false information or have traduced the terms of operation. Also, we terminate a loan account with us if we admit evidence that the borrower has failed.

We also hold the right to terminate your account if suspected that you're involved in any kind of fraudulent conditioning and ever spoil the website’s character or engage in conditioning that isn't in the interest of our website.

Data Protection and Privacy:

We'd shoot service dispatches to your registered mobile number and dispatch ID when needed. These are automated and can not be terminated.

Once you register and you have the volition of either entering or not entering the occasional updates transferred by the company that would on you.

Content Operation:

While using our website, the stoner shouldn't engage to display, host, modify, upload, transmit, publish, partake or modernize any information that

  • a. Is possessed by any other person.
  • b. Is draining, scandalous, profane, pornographic, stag, and invasive to any other existent’s sequestration.
  • c. damages minors in any possible way.
  • d. Impersonation of any individual falsely misinterprets the cooperation of a stoner.
  • e. Is trouble to the integrity, sovereignty & security of India.

Intellectual Property Rights:

All rights of the possessors of the website are reserved under the Intellectual Property Rights or IPR. Under no circumstance, should any of these be copied for any reason whatsoever.

Through the Website, you may be given the option to pre-register and/or apply for a loan. You promise to submit current, complete, and accurate information about yourself when pre-registering or applying for a loan on the Website. If any of the information you give is false, inaccurate, out of date, or incomplete, Creditwalle reserves the right to cancel your loan pre-registration and/or application and refuse any future use of the Website. We have the right to reject your loan application.


  • Means the person who is registered as a borrower on the website/App
  • Credit Bureau Information
  • Means CIBIL, Experian, Equifax and Crif Highmark
  • Woodland Securities Private Limited / (CIN) U74899DL1990PLC040437 / GSTIN : 07AABCG6429R1Z1
  • Creditwalle Account
  • means the account maintained by the User on the website/App
  • Prohibited Sectors
  • means any business area which is prohibited by the Government of India.
  • RBI
  • means the Reserve Bank of India
  • Insurance Company
  • means any company which is registered with IRDA and having valid license to do insurance business in India