Terms of Service

OpenCredit.Money operates as a loan marketplace/DSA that: • Connects borrowers with eligible partner lenders • Facilitates loan applications on behalf of partner banks/NBFCs • Provides CIBIL credit report correction advisory services • Does NOT directly lend money or guarantee loan approval • Is NOT responsible for individual lender credit decisions

To use our services, you must: • Be an Indian citizen aged 21–60 years • Have a valid PAN card • Have a minimum monthly income of ₹25,000 (salaried) or demonstrable business income • Reside in areas served by our partner lenders • Not have been declared bankrupt or have existing loan defaults (for loan applications)

All loan rates and terms are set by individual partner lenders: • Interest rates range from 10.25% to 36% per annum • Loan amounts: ₹50,000 to ₹40,00,000 • Repayment tenure: 12 to 60 months • Processing fees: 1–3% of loan amount (charged by lenders) • All rates are subject to credit assessment by the specific lender • OpenCredit does not charge applicants any fee for our matching service

By submitting an application, you: • Authorize OpenCredit to share your data with partner lenders • Consent to credit bureau checks (CIBIL, Experian) • Confirm all information provided is accurate and complete • Authorize lenders to contact you regarding your application • Understand that false information may result in rejection and legal liability

For CIBIL correction services: • We provide advisory and dispute facilitation only • Score improvement is not guaranteed • Results depend on CIBIL and lender dispute resolution timelines (30–90 days typically) • We do not guarantee specific score targets • Fees (if applicable) are disclosed before service commencement

OpenCredit.Money is not liable for: • Lender's credit assessment decisions • Interest rates offered by specific lenders • Delays in loan disbursement by lenders • Any financial loss arising from reliance on our EMI calculator results (indicative only) • Third-party service interruptions

Users must not: • Submit false or misleading information in applications • Use our platform for fraudulent purposes • Attempt to bypass our security systems • Share account credentials with third parties • Use automated tools to access our services

These terms are governed by Indian law. Disputes shall be subject to the exclusive jurisdiction of courts in Bangalore, Karnataka.

For terms-related queries: legal@opencredit.money | +91 98765 43210 OpenCredit.Money, 123, MG Road, Bangalore, Karnataka — 560001