Risk Disclosure

1. Nature of Credmint’s Role

• Credmint is a financial technology service provider and technology enabler.
• We are not a bank, NBFC, or financial institution.
• All financial services are facilitated through RBI-regulated banks and institutions, where applicable.

2. General Risk Statement

Use of financial technology services involves inherent operational, technical, regulatory, and market risks. Users should assess whether the Services are suitable for their business needs.

3. Regulatory & Compliance Risks

• Services are subject to changing RBI regulations and guidelines.
• Regulatory changes may impact availability or continuity of Services.
• Credmint may suspend or modify Services to maintain compliance.

4. Operational & Technology Risks

• System failures or downtime
• Network connectivity issues
• Software bugs or maintenance activities
• Third-party infrastructure dependencies

5. Cybersecurity & Data Risks

While Credmint applies industry-standard security measures, no digital system can guarantee absolute security. Users are responsible for safeguarding credentials and access permissions.

6. Payment & Settlement Risks

• Bank processing timelines
• Payment network outages
• Regulatory or compliance checks

Credmint is not responsible for delays beyond its reasonable control.

7. AI & Automated Decision-Making Risks

• Fraud detection
• Risk scoring
• Compliance monitoring

Automated systems may produce false positives or negatives and depend on data quality.

8. Fraud & Misuse Risks

Users must implement internal controls to prevent fraud or misuse. Credmint may restrict or suspend accounts upon detection of suspicious activity.

9. Business & Commercial Risks

Credmint does not provide financial, legal, or investment advice. Platform insights and analytics are indicative only.

10. Third-Party Dependency Risks

• Banking and payment partners
• KYC and compliance vendors
• Cloud and infrastructure providers

11. Legal & Jurisdictional Risks

Legal disputes are governed by Indian law. Cross-border services may involve additional regulatory requirements.

12. Force Majeure Risks

Credmint is not liable for failures caused by events beyond reasonable control, including natural disasters, government actions, or network failures.

13. Limitation of Liability

Credmint shall not be liable for indirect or consequential losses, and liability is limited as outlined in the Terms & Conditions.

14. User Responsibility Acknowledgement

• Users understand and accept the risks involved
• Users assume responsibility for compliance and decisions
• Users have conducted independent risk assessment

15. Updates to This Disclosure

This Disclosure may be updated periodically. Continued use implies acceptance of the revised version.

16. Contact & Grievance Redressal

Credmint Innovation Pvt. Ltd.
https://www.credmint.ai
Contact@credmint.ai