1. Introduction

Welcome to www.hellocredit.in. By accessing or using our website, you agree to comply with and be bound by these Terms & Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use the website.

2. Definitions

• "AMR Finance" refers to AMR Finance Private Limited, the owner of the Hello Credit platform.
• "User" or "You" refers to any individual or entity accessing the website.

3. Eligibility

• You are at least 18 years old.
• You have the legal capacity to enter into a binding agreement.
• You are using the website for lawful purposes only.

4. Services Provided

Hello Credit, operated by AMR Finance Private Limited, provides financial and credit-related services, including but not limited to:

• Credit score analysis
• Loan consultation and assistance
• CIBIL report evaluation
• Personalized credit improvement plans
• Assistance in securing loans at the best interest rates

By using our services, you agree to:

• Provide accurate and complete personal and financial information.
• Keep your information updated to maintain accuracy.

5. User Obligations

As a user of Hello Credit, you agree NOT to:

• Use the website for fraudulent, illegal, or unauthorized activities.
• Submit false, misleading, or inaccurate information.
• Interfere with the website’s functionality or engage in hacking.
• Upload or distribute any harmful, malicious, or inappropriate content.
• Violate any applicable laws or regulations.

Failure to comply may result in account suspension or termination.

6. Communication Consent

By registering with Hello Credit, you consent to:

• Receive calls, SMS, WhatsApp messages, and emails from AMR Finance and its partners regarding our services.
• Communication may be sent even if you are registered under DND/DNC.
• To opt out, send an email to contact@hellocredit.in with your registered mobile number.

7. Data Usage & Privacy

Your data is handled in accordance with our Privacy Policy.

Key highlights:

• Your personal and financial data will be kept secure and confidential.
• We do not share or sell your information to unauthorized third parties.
• You can request data deletion by contacting us.

8. Third-Party Services

• The website may contain links to third-party websites or services.
• AMR Finance does not endorse or take responsibility for any third-party content, services, or transactions.
• Use third-party links at your own risk.

9. Intellectual Property

All content, logos, trademarks, designs, and services on this website belong to AMR Finance Private Limited.

Unauthorized use may lead to legal action.

10. Disclaimer of Warranties

• The website and its services are provided "as is" and "as available" without warranties of any kind.
• AMR Finance does not guarantee uninterrupted access, accuracy, or completeness of the services.
• We are not responsible for any losses due to technical errors, third-party failures, or system downtime.

11. Limitation of Liability

• AMR Finance is not liable for any losses resulting from website usage.
• Financial losses due to incorrect credit reports, loan denials, or third-party decisions.
• Unauthorized access to user accounts or data breaches beyond our control.

12. Indemnification

You agree to indemnify and hold AMR Finance harmless from any claims, damages, or losses arising from:

• Breach of these Terms.
• Misuse of the website or services.
• Violation of any applicable laws.

13. Modifications to Terms

AMR Finance reserves the right to modify these Terms at any time without prior notice.

Changes will be effective immediately upon posting on the website.

14. Termination of Services

AMR Finance reserves the right to suspend or terminate your access to the website without notice.

15. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes will be subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka.

16. Contact Information

Email: contact@hellocredit.in

Address: AMR Finance Private Limited, 2nd Floor, 30, 1st Main Rd, Opp. Gopalan Innovation Mall, BHCS Layout, BHBCS Layout, BTM 2nd Stage, BTM Layout, Bengaluru, Karnataka 560076