Terms of Service.

Last updated: April 2026

1. Acceptance of Terms

By accessing or using Credit Speed's services, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

2. Eligibility

Users must be at least 18 years old and residents of India. Retailers must be registered businesses with valid GST, PAN, and bank documentation.

3. Services Description

Credit Speed Microfinance Private Limited is a technology platform that connects mobile retailers with RBI-registered NBFC partners for smartphone EMI financing. We do not directly lend money.

4. NBFC Disclaimer

All loans are provided by our RBI-registered NBFC partners, including Transwarranty Finance Ltd. Credit Speed acts as a technology platform and facilitator. Lending terms, interest rates, and approval decisions are at the sole discretion of the NBFC partner.

5. User Responsibilities

You agree to provide accurate, current, and complete information. Misrepresentation may result in account termination and legal action.

6. Fees & Charges

Applicable processing fees, interest rates, and charges are disclosed before loan approval. Late payment penalties, if any, will be communicated transparently.

7. Cancellation & Refunds

Loan applications can be cancelled before disbursement without charges. Post-disbursement cancellation is subject to NBFC partner policies.

8. Limitation of Liability

Credit Speed is not liable for any indirect, incidental, or consequential damages arising from the use of our services. Our liability is limited to the fees paid by you.

9. Governing Law

These terms are governed by the laws of India. Any disputes shall be resolved in the courts of Lucknow, Uttar Pradesh.

10. Contact

For questions regarding these terms, reach us at admin@creditspeed.in.