Disclaimer

1. Role of Happy Credit

2. Loan Approval

3. Loan Offers and Disclosures

Where applicable, the digital lending journey shall provide relevant loan information, including lender identity, loan amount, tenor, APR, repayment obligation, applicable charges and access to the KFS and other applicable loan documents. "Happy Credit" does not use designs or communications intended to mislead customers or manipulate them into accepting a loan.

4. Data Protection and Privacy

5. Customer Consent and Rights

Where consent is required, processing shall be based on informed and purpose-specific consent or another lawful basis permitted under applicable law. Customers may exercise applicable rights, including withdrawal of consent, access, correction, erasure and grievance redressal, subject to applicable law.

6. Data Security and Storage

"Happy Credit" maintains reasonable technical and organisational safeguards to protect personal data. Such safeguards may include encryption, masking, access controls, authentication, monitoring, logging, backups and other appropriate measures. Data storage shall comply with applicable law and RBI requirements, including requirements applicable to LSP/DLA arrangements.

7. Sharing of Customer Data

Customer information may be shared with the lender, credit information companies, KYC, payment, technology, fraud prevention, audit, legal, regulatory and other authorised service providers where permitted or required by law.

8. Loan Repayment and Payment Fraud

Customers should make repayments only through authorised channels. Customers should never pay an employee, agent, personal bank account, personal UPI ID or unauthorised account and should never disclose OTP, UPI PIN, password, CVV or other confidential credentials.

9. Fraudulent Communications

Customers should verify communications claiming to originate from Happy Credit or the lender. Suspected fraud or unauthorised communications should be immediately reported through official customer-support/grievance channels and, where appropriate, to the relevant cybercrime or law-enforcement authority.

10. Third-Party Links

The Website may contain links to third-party websites or services. Happy Credit does not control and is not responsible for their content, security, privacy practices or availability.

11. Website Availability

Happy Credit endeavours to maintain secure and functional digital services but does not guarantee uninterrupted availability due to maintenance, technical failures, network issues, cyber incidents, force majeure or circumstances beyond reasonable control.

12. Customer Information

Customers are responsible for providing accurate, complete and current information. Incorrect, incomplete or misleading information may affect loan processing or other services.

13. Record Retention

Customer, transaction, consent, communication, KYC, loan and grievance records may be retained for periods required or permitted by applicable law, RBI requirements, contractual obligations, audit, fraud prevention, dispute resolution or other legitimate purposes.

14. Grievance Redressal

Customers may raise complaints through the designated grievance mechanism. Complaints concerning lender-controlled matters may also be addressed to relevant NBFC Partner's through its applicable grievance mechanism.

15. Changes

Happy Credit may update this Disclaimer from time to time. The revised version shall be published on the Website with the revised effective date.

16. Governing Law

This Disclaimer shall be governed by the laws of India, subject to applicable regulatory requirements and jurisdiction of competent courts/authorities.

17. Contact