Terms & Conditions

By accessing or using Cheapkart Finance through our website, mobile application or other digital platforms, you agree to comply with these Terms & Conditions and all applicable laws and regulations.

If you do not agree with any part of these terms, you should discontinue using our website and services.

To use certain financial services offered through Cheapkart Finance, users may be required to satisfy applicable eligibility and verification requirements.

• Indian citizen above 18 years of age.
• Valid KYC and income documents where required.
• Verifiable contact and address details.
• Eligibility subject to applicable product requirements.
• Final approval subject to verification by the relevant financial institution.

Cheapkart Finance provides access to information, application assistance and digital services relating to various financial products.

Depending on availability and eligibility, our platform may provide information about:

• Credit Cards
• Personal Loans
• Business Loans
• Home Loans
• Auto Loans
• Education Loans
• Demat Accounts
• Savings Accounts
• Micro Loans and Group Loans
• Private Funding and other financial services

Users are expected to use Cheapkart Finance responsibly and provide complete and accurate information whenever required.

• Provide accurate and truthful information.
• Use our services only for lawful purposes.
• Keep submitted information updated where necessary.
• Repay loans and financial obligations according to the applicable agreement.
• Avoid misuse of website content, services or technology.

Processing fees, interest rates, penalties, service charges and other applicable costs may vary depending on the selected financial product and the relevant financial institution.

Applicable charges will be communicated or mentioned in the relevant product information, offer or agreement before the applicable transaction or financial arrangement.

Submission of a loan application through Cheapkart Finance does not guarantee approval, sanction or disbursement of the requested amount.

Approval depends on factors including eligibility, income, documentation, creditworthiness, verification and the applicable policies of the relevant financial institution.

After approval, the disbursement timeline may vary depending on the lender, product and completion of required documentation and formalities.

When you use our services, we may collect information necessary to process applications, provide services, communicate with you and improve our platform.

Where applicable, information may be shared with relevant financial partners, service providers or institutions for purposes related to the requested financial services.

Cheapkart Finance may work with banks, NBFCs, credit-card issuers, financial institutions and other authorized financial partners.

Financial products displayed or made available through our platform may be offered, processed, approved or disbursed by such third-party institutions.

Each institution may have its own eligibility criteria, interest rates, fees, documentation requirements, approval policies and contractual terms.

To the extent permitted by applicable law, Cheapkart Finance shall not be responsible for losses resulting from decisions made by users based on information available through our website or services.

We shall not be responsible for system outages, technical failures, internet connectivity issues, delays, third-party actions, rejected applications or changes in financial product terms.

Unless otherwise stated, all branding, logos, designs, graphics, text, software, technology and other materials available through Cheapkart Finance belong to the company or its respective licensors.

Unauthorized copying, reproduction, modification, distribution or commercial use of our content or technology is prohibited.

Users must not misuse Cheapkart Finance or attempt to interfere with the normal operation of our services.

• Use the website or services for fraudulent purposes.
• Submit false, misleading or fraudulent information.
• Attempt to gain unauthorized access to systems or data.
• Introduce malicious software or harmful code.
• Copy, reproduce or misuse website content without authorization.

Cheapkart Finance may suspend or terminate access to its services where necessary, including in cases involving violation of these Terms, fraudulent activity, misuse of the platform or other unauthorized activity.

Users may also discontinue their use of our services at any time, subject to any outstanding contractual or financial obligations.

Cheapkart Finance may update, modify or revise these Terms & Conditions from time to time to reflect changes in our services, business practices or applicable requirements.

Updated terms will be posted on this page. Continued use of our website or services after changes are published may constitute acceptance of the updated terms.