Terms & Conditions

1. What CredGold does

CredGold is a loan facilitation platform. We collect your gold loan enquiry and pass it to our lending partner. We are not a bank, NBFC or lender: we do not approve or disburse loans, set interest rates or charges, value gold or hold it in custody.

2. Our lending partner

Gold loans are offered by our lending partner, an NBFC registered with the Reserve Bank of India. Our advisor tells you the lender's name when they call. Approval, loan amount, interest rate, fees, tenure and gold valuation are decided solely by the lender under its credit policy and RBI rules. Your loan is governed by the loan agreement and Key Fact Statement the lender gives you — please read them before signing.

3. No fees from you

CredGold does not charge you any fee for its service. Do not pay money or share OTPs, passwords or bank details with anyone claiming to act for CredGold. Pay loan-related charges only to the lender, through its official channels.

4. Estimates are indicative

The gold rate, calculator results, eligible amounts and example interest shown on this website are estimates for guidance only and are not an offer of credit. The gold rate is our reference rate, updated manually each working day, and may differ from the lender's rate. The final amount depends on the actual purity and net weight of your gold as assessed by the lender, within RBI's loan-to-value limits.

5. Who can apply

You must be at least 18 years old, resident in India and the lawful owner of the gold you want to pledge.

6. Your responsibilities

• Give true and complete information, and apply only for yourself using a mobile number you own.
• Do not misuse the website: no automated or bulk submissions, attempts to break security, or false or harmful content.
• Keep your application ID private; anyone with it and your mobile number can see your application status.

7. Contact consent

By submitting a form you allow CredGold and its lending partner to contact you by call, SMS or WhatsApp about your request. You can ask us to stop at any time.

8. Content and links

The CredGold name, logo, design and content belong to us and may not be copied without permission. Links to other websites and apps (such as the lender's website or WhatsApp) are provided for convenience; their own terms and policies apply.

9. Limitation of liability

The website is provided "as is". We try to keep it accurate and available but do not guarantee that it is error-free or uninterrupted. To the extent the law allows, CredGold is not liable for the lender's decisions, for any loss arising from your reliance on estimates, or for indirect or consequential losses. Nothing here limits rights you have under consumer protection law.

10. Governing law

These terms are governed by the laws of India. Courts at Firozabad, Uttar Pradesh have jurisdiction over any dispute.

11. Complaints

For any complaint, contact our grievance officer as described in the Privacy Policy, or write to arjitsingh@credgold.in.

12. Changes

We may update these terms. The date at the top shows when they last changed. Continuing to use the website means you accept the updated terms.