Terms & Conditions

1. Important Role Disclosure

"Happy Credit" acts as an LSP/DLA for Relevant NBFC Partners. "Happy Credit" does not itself represent that it is the lender unless expressly stated for a particular product.

2. Acceptance

By accessing the Website or submitting an application, you acknowledge that you have read and understood these Terms, the Privacy Policy and other applicable policies and agree to be bound by them.

3. Eligibility

The applicant must satisfy the eligibility criteria prescribed by the lender and applicable law. Submission of an application does not create a right to receive a loan.

4. Loan Application

The applicant agrees to provide true, accurate and complete information and documents. The lender may independently verify information and obtain information from authorised sources, including credit information companies.

5. Credit Decision

Relevant NBFC Partners determine eligibility, sanction, loan amount, interest rate, APR, tenure, fees, charges, repayment schedule and other applicable loan terms. "Happy Credit" does not guarantee approval or any particular loan amount or rate.

6. KFS and Loan Agreement

Before acceptance of the applicable loan, the customer shall receive the applicable KFS and loan documentation as required by law and the lender's process. Customers should review APR, interest, processing fee, penal charges, repayment schedule and other applicable terms.

7. Customer Consent

The customer authorises "Happy Credit" and the lender, to the extent permitted by law, to process information necessary for onboarding, KYC, credit assessment, fraud prevention, servicing, repayment, compliance and other disclosed purposes.

8. Payments

Loan repayments shall be made only through authorised payment channels. Customers should not make payments to personal bank accounts, personal UPI IDs or unauthorised representatives.

9. Fraud Prevention

Customers must keep OTPs, PINs, passwords, CVV and other authentication credentials confidential. Suspicious communications or payment requests should immediately be reported to "Happy Credit" and/or the lender.

10. Prohibited Use

• Fraudulent or unlawful activities.
• Impersonation.
• Providing false information.
• Circumventing security controls.
• Unauthorised access.
• Introducing malware or harmful code.
• Any activity prohibited by applicable law.

11. Intellectual Property

The Website, brand, software, content, graphics, trademarks and other materials belong to "Happy Credit" or their respective owners and may not be reproduced or used without permission.

12. Service Availability

"Happy Credit" does not guarantee uninterrupted or error-free availability of digital services.

13. Limitation of Liability

Nothing in these Terms shall exclude or limit liability that cannot lawfully be excluded or limited.

14. Privacy

Use of the Website and services is subject to the "Happy Credit" Privacy Policy.

15. Changes

"Happy Credit" may modify these Terms from time to time. Updated Terms shall be published on the Website.

16. Governing Law

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

17. Contact