Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using the CreditWaale website ("Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy.

If you do not agree to these Terms, please do not use our Service. These Terms constitute a legally binding agreement between you and CreditWaale.

You must be at least 18 years old to use our Service. By using our Service, you represent and warrant that you are at least 18 years of age.

2. Description of Services

CreditWaale provides:

• Financial Calculators: Tools for calculating EMIs, loan costs, investment returns, tax implications, and other financial metrics
• Comparison Tools: Features to compare credit cards, loans, and other financial products
• Educational Content: Articles, guides, and information about financial products and services
• Product Information: Details about various financial institutions and their offerings

3. Financial Advice Disclaimer

3.1 Calculations and Results

• Calculator results are approximations based on the information you provide
• Actual loan terms, interest rates, and conditions may vary significantly
• Results do not constitute offers or guarantees from any financial institution
• We recommend consulting with qualified financial professionals before making decisions

3.2 Professional Consultation Required

Before making any financial decisions, you should:

• Consult with qualified financial advisors, accountants, or legal professionals
• Verify all information with relevant financial institutions
• Consider your personal financial situation and risk tolerance
• Review current terms and conditions directly with service providers

4. User Conduct

When using our Service, you agree to:

• Use the Service for lawful purposes only
• Provide accurate information when using calculators or contact forms
• Respect the intellectual property rights of CreditWaale and third parties
• Not attempt to gain unauthorized access to our systems or data
• Not use automated tools to scrape or harvest our content
• Not transmit viruses, malware, or other harmful code

5. Information Accuracy

While we strive to keep information accurate and up-to-date:

• We make no warranties about the completeness, reliability, or accuracy of information
• Financial products, terms, and rates change frequently
• You should verify all information directly with financial institutions
• We are not responsible for decisions made based on outdated information

6. Intellectual Property

The Service and its original content, features, and functionality are owned by CreditWaale and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Reproduce, distribute, or create derivative works of our content
• Use our trademarks or branding without permission
• Reverse engineer or attempt to extract source code
• Remove or alter copyright notices or proprietary markings

7. Limitation of Liability

To the maximum extent permitted by law, CreditWaale shall not be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Financial losses resulting from decisions made based on our information
• Service interruptions or technical failures
• Actions of third-party financial institutions

8. Indemnification

You agree to indemnify and hold harmless CreditWaale, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Financial decisions made based on information from our Service

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in [Your City], India.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on this page. We will update the "Effective Date" at the top of this page when changes are made.

Your continued use of the Service after any modifications indicates your acceptance of the updated Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

11. Contact Information