Terms of Service — EasyCredit

Welcome to EasyCredit. These Terms of Service ("Terms") govern your access to and use of the platform operated by Xane Commercials (Kolkata 700053). By using our services, you agree to be bound by these Terms.

1. Eligibility

To use EasyCredit, you must:

Be at least 18 years of age.
Be a legal resident of India.
Have the legal capacity to enter into a binding contract.

5. Your Rights

You have the right to:

Access the personal information we hold about you.

2. Loan Application and Verification

When you apply for a loan through EasyCredit, you agree to provide accurate, current, and complete information. You authorize us and our lending partners to:

Verify your identity and employment details.
Conduct credit checks through authorized credit bureaus (like CIBIL).
Contact you via phone, email, or WhatsApp regarding your application.

3. Interest Rates and Fees

Interest rates are determined based on your credit profile and are subject to change until the loan is finalized. EasyCredit displays a fixed rate of 10.99% p.a. as a baseline, but the final offer may vary. Processing fees and other charges will be clearly communicated in your loan agreement.

4. Repayment and Delays

Repayments must be made via EMI (Equated Monthly Instalments) as per the schedule provided. Late payments may incur penalty charges and will adversely affect your credit score.

5. Intellectual Property

All content on the EasyCredit platform, including text, graphics, logos, and software, is the property of EasyCredit or its licensors and is protected by copyright laws.

6. Limitation of Liability

EasyCredit acts as a facilitator between you and registered NBFCs/Banks. We are not responsible for any disputes arising from the loan agreement between the borrower and the lender, though we will assist in resolving them where possible.

7. Contact Us

If you have any questions about these Terms, please contact us at support@myeasycredit.app or WhatsApp us at +91 89020 08700.