Terms & Conditions

1. Eligibility & Acceptance

• You must be legally capable of entering into a binding contract under Indian law.
• Services are intended for business, institutional, and authorized users only.
• All information provided must be accurate, complete, and lawful.

2. Nature of Services

Credmint is a financial technology service provider and technology enabler. We are not a bank, NBFC, or financial institution.

• Digital payment facilitation
• Collections and payout automation
• KYC/KYB and compliance workflows
• Risk, fraud detection, and AI-driven analytics
• APIs and financial software infrastructure

3. Regulatory Compliance

• RBI guidelines and circulars
• AML / CFT regulations
• Information Technology Act, 2000
• Applicable tax, data protection, and financial laws

4. User Obligations

• Use Services only for lawful purposes
• Maintain confidentiality of credentials and API keys
• Report unauthorized access immediately
• Avoid fraudulent or prohibited activities

5. KYC, KYB & Due Diligence

Credmint may collect and verify KYC/KYB information as required by law or partner institutions. Failure to comply may result in suspension.

6. Payments, Fees & Settlements

Fees, charges, and settlement timelines are governed by separate commercial agreements. Transactions are subject to partner approvals.

7. AI & Automated Systems

• Fraud detection
• Risk assessment
• Transaction monitoring
• Compliance analytics

8. Data Protection & Privacy

Use of Services is governed by our Privacy Policy, DPA, and Cookie Policy.

9. Intellectual Property Rights

All content, software, trademarks, and technology are owned by Credmint. Users receive a limited, non-transferable license only.

10. Prohibited Activities

• Fraudulent or illegal transactions
• Money laundering or terrorism financing
• Reverse engineering platform technology

11. Suspension & Termination

Credmint may suspend or terminate access for violations, regulatory reasons, or security risks.

12. Limitation of Liability

Liability is limited to fees paid for Services, to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify Credmint from claims arising due to misuse or regulatory violations.

14. Force Majeure

Credmint is not liable for failures due to events beyond reasonable control.

15. Third-Party Services

Credmint relies on third-party providers and is not responsible for their actions.

16. Modifications

Terms may be updated at any time. Continued use implies acceptance.

17. Governing Law & Jurisdiction

Governed by the laws of India. Courts in India shall have exclusive jurisdiction.

18. Grievance Redressal & Contact

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