In consideration of Tradecraft Financial Services (herein after referred to as” Tradecraft ”, which expression shall include where appropriate its affiliates, successors and assigns), the user agrees to be bound by these Terms and Conditions as amended, supplemented and or superseded by Tradecraft  from time to time

These Terms and Conditions/Terms of Service applies to any kind of loan including but not limited to following Loans:

1. Personal Loan
2. Business Loan
3. Vehicle Loan
4. Consumer Loan
5. Gold Loan
6. Home Loan

These terms of use (hereinafter the “Terms”) establish an agreement between Tradecraft  having its principal place of business at B-401, Kailas Business Park. Vikhroli West-400079. Mumbai (India).

Your continued access or use of the Services after such posting constitutes your consent to be bound by the Terms, as amended.

1. Eligibility/Condition Precedent: Tradecraft may grant or continue to grant the loan to the borrower if the following conditions are fulfilled or continued to be fulfilled. If You are an individual you must be at least 18 years old. If You are a non-individual you must be duly authorized (by such non-individual entity) to agree to these Terms. You must be a solvent. Notwithstanding the aforesaid, you represent and warrant that you are capable of entering into these Terms and performing the obligations set out here under. You must be citizen of India. You must be a human being to enter into these Terms. Any use of Tradecraft System by ‘bots’ or other automated tools or methods is not permitted under this Agreement. Your application form shall have been accepted by Tradecraft  in the manner as prescribed by Tradecraft . All the required documents legal or otherwise as may be required by Tradecraft , shall have been completed and signed to the satisfaction of Tradecraft . All the primary and secondary evidence of the document as demanded by Tradecraft  must be duly furnished. There shall exist no potential event for default and all representations and warranties contained herein and in the application form and in the loan agreement or elsewhere shall be true. All other conditions precedent as Tradecraft  may require or impose have been fulfilled to the satisfaction of Tradecraft  or otherwise have been duly compiled with.
2. Account Set Up Account registration requires you to submit certain information such as your name, address, mobile phone number and age and any unique identifier that may be issued to you by Tradecraft . You agree that you have provided from start and maintained accurate, complete, and up-to-date information in your Account. Your failure to maintain accurate, complete, and up-to-date Account information may result in your inability to access and use Tradecraft Systems and/or the Services and/or the final referral for banking or financial that you seek or result in Tradecraft ’ termination of this agreement with you. Solely You are responsible for all activity that occurs under your Account, and You agree to maintain the security and secrecy of your Account username and password at all times. Unless otherwise permitted by Tradecraft in writing, you shall only use and operate one Account with Tradecraft . You acknowledge and agree that any misuse of your Account for reasons not attributable to Tradecraft  shall be to your account and You will be liable for any and all liabilities incurred as a result of such misuse. You thus assent that any data put together by you for Account set-up might be utilized by Tradecraft  as per the security approach distributed at privacy policy which is deemed to be part of these Terms.
3. Service The Service establishes Your entrance to Tradecraft System, the check of information you have given on the Tradecraft entryway and assessment by Tradecraft  of your credit worthiness, and subject to Tradecraft  determining (in its sole and absolute discretion) that it is appropriate, your ability to submit an application (“Credit Facility Application”) for short term credit facility (“Advance”) to a duly licensed entity who has partnered with Tradecraft  (“Tradecraft  Partner”) and use of such other functionalities of Tradecraft  System as permitted by Tradecraft . For the avoidance of doubt, Tradecraft  is under no obligation whatsoever to reveal to you (including your nominees, heirs and successors) its assessment of your creditworthiness at any point in time. You acknowledge that Tradecraft  allows You to submit a Credit Facility Application on the basis of a determination made by and in such formats, methodologies and algorithms in Tradecraft  Systems only. The Tradecraft  Systems undertake a dynamic evaluation of risk in relation to each Credit Facility Application submitted by You based on various factors including the amount of the Advance, the credit eligibility parameters and other requirements set out by the Tradecraft  Partner. Tradecraft  Systems may undertake a separate determination in relation to each Credit Facility Application made by you. Given the dynamic nature of the determination made by Tradecraft  Systems, You acknowledge that there is no assurance or guarantee that Tradecraft  shall allow You to submit a Credit Facility Application for each and every Advance that you seek to avail. You agree and accept that Tradecraft  or a Tradecraft  Partner may in its sole discretion, by itself or through authorized persons, advocate, agencies, bureau, etc. verify any information given, check credit references, employment details and obtain credit reports to determine creditworthiness from time to time.