Terms and Condition

Terms and Conditions :

" Smart Credit & Loan Guide " Website :

By accessing or using this website, you agree to the following terms:

1. Purpose of Website :

This website is created for sales and marketing purposes only.
We provide promotional information and referral links to third-party financial and service products.
We do not guarantee approval of any product.

2. No Ownership of Products :

All products displayed belong to respective third-party companies.
"Smart Credit & Loan Guide " does not claim ownership of any financial product, app, or service listed.

3. Commission-Based Model :

The website may earn commission from third-party companies based on referrals or successful applications.
Users are not charged any fee for browsing the website.

4. No Financial Advice :

The information provided is for general marketing and educational purposes only.
It should not be considered professional financial or legal advice.
Users must verify details from official sources before applying.

5. Prohibited Activities :

Users must not:

Use this website for illegal activities
Attempt fraud or misrepresentation
Misuse referral links
Spread false information
Violate cyber laws

Any misuse may result in legal action as per Indian law.

6. Limitation of Liability :

" Smart Credit & Loan Guide " is not responsible for:

Product rejection by third-party companies
Losses incurred due to third-party services
Technical issues on external websites

7. User Responsibility :

Users agree to:

Provide accurate information
Use the website ethically
Follow applicable laws and regulations

8. Governing Law

These terms are governed by the applicable laws of India.

Affiliate Disclosure ::

" Smart Credit & Loan Guide " Website

Effective Date: 1 Jan 2026

"Smart Credit & Loan Guide " believes in transparency and honesty with its users. This Affiliate Disclosure explains how we earn revenue and how third-party links work on our website.

1. Affiliate Relationship

"Smart Credit & Loan Guide " participates in affiliate marketing programs. This means:

Some links on our website are affiliate links.
If you click on a link and apply for a product or service, we may earn a commission from the respective third-party company.
There is no extra cost to you for using these links.

2. No Ownership of Products

We do not own, operate, or control any of the banking, financial, shopping, insurance, credit card, loan, demat, UPI, or other services listed on this website.

All products belong to their respective companies and brands.

3. No Influence on Pricing

Our affiliate partnerships do not affect:

Product pricing
Approval decisions
Offers or benefits

All decisions are made by the respective third-party company.

4. Independent Opinions

The information shared on this website is for sales and marketing purposes only. We aim to provide accurate information, but we do not guarantee completeness or accuracy at all times.

Users are advised to verify details from official websites before making decisions.

5. Compliance with Indian Laws

This disclosure is provided in accordance with applicable digital and consumer transparency guidelines under the laws of the Government of India.

Disclaimer

"Smart Credit & Loan Guide " Website

Effective Date: 1 jan 2026.

Please read this Disclaimer carefully before using the "Smart Credit & Loan Guide "website.

1. General Information Only

The information provided on this website is:

For general informational purposes
For sales and marketing support only
Not professional financial, legal, or investment advice

Users should consult official sources or professionals before making financial decisions.

2. Third-Party Responsibility

All products, services, offers, and approvals are managed by third-party companies.
"Smart Credit & Loan Guide " is not responsible for approval, rejection, delay, or any issue related to third-party services.

Once you leave our website, you are subject to the terms and policies of the respective company.