Terms and Conditions

By accessing or using the CredBrick Loan Management System ("Platform"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use the Platform.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Nullpalette Private Limited ("Company," "we," "us," or "our").

• "Platform" refers to the CredBrick Loan Management System, including its website, mobile applications (CredVera), and all associated services.
• "User" refers to any individual or entity accessing or using the Platform.
• "Customer Data" refers to all data, information, and content uploaded, submitted, or processed by Users through the Platform.
• "Services" refers to all functionalities, features, and tools provided by the Platform, including but not limited to loan management, customer relationship management, collection management, and reporting.
• "Account" refers to the User's registered account on the Platform.

To use the Platform, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction.
• Have the legal authority to enter into this agreement.
• Represent a legitimate business entity (e.g., Loan Service Provider, Non-Banking Financial Company) if using the Platform for commercial purposes.
• Comply with all applicable laws and regulations in your jurisdiction.

By using the Platform, you represent and warrant that you meet these eligibility requirements.

4.1 Registration

To access the Platform, you must create an Account by providing accurate, complete, and current information. You agree to update your information promptly if it changes.

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your Account credentials (username, password, OTP).
• All activities that occur under your Account.
• Notifying us immediately of any unauthorized use or security breach.

The Platform uses multi-factor authentication (email and phone-based OTP) and automatic logout after 6 hours of inactivity for enhanced security.

4.3 Account Termination

We reserve the right to suspend or terminate your Account at our discretion if you violate these Terms or engage in fraudulent or illegal activities.

The Platform provides the following services:

• Loan Management System (LMS): Tools to manage loan applications, approvals, disbursements, and repayments.
• Customer Relationship Management (CRM): Features to manage customer interactions, profiles, and communication.
• Collection Management System: Tools to track and manage loan collections.
• CredVera Mobile App: Mobile application for telecallers and field agents to access customer data, verify documents, and manage collections on the go.
• Risk Assessment Engine: AI-powered tools to assess borrower risk and recommend loan amounts.
• Reporting and Analytics: Comprehensive reports on disbursals, collections, per-user stats, and marketing analytics.
• Third-Party Integrations: Integration with banking, KYC, and payment gateway services.

6.1 Permitted Use

You may use the Platform solely for lawful business purposes, including:

• Managing loan applications and customer relationships.
• Processing and analyzing loan data.
• Generating reports and insights.

6.2 Prohibited Use

You agree not to:

• Use the Platform for any illegal or unauthorized purpose.
• Upload, transmit, or distribute any malicious code, viruses, or harmful software.
• Attempt to gain unauthorized access to the Platform, other Users' Accounts, or the Company's systems.
• Reverse engineer, decompile, or disassemble any part of the Platform.
• Use automated scripts, bots, or scraping tools to extract data from the Platform.
• Interfere with or disrupt the Platform's operation or servers.
• Use the Platform to harass, abuse, or harm others.
• Violate any applicable laws, regulations, or third-party rights.

7.1 Ownership

All content, features, and functionality of the Platform, including but not limited to software, text, graphics, logos, images, and trademarks, are owned by the Company or its licensors and are protected by intellectual property laws.

7.2 License

Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your internal business purposes.

7.3 Restrictions

You may not:

• Copy, modify, distribute, or create derivative works based on the Platform.
• Remove or alter any proprietary notices or labels on the Platform.
• Use the Platform's branding, trademarks, or logos without prior written consent.

8.1 Customer Data

You retain ownership of all Customer Data uploaded to the Platform. By using the Platform, you grant the Company a limited license to process, store, and analyze Customer Data solely for the purpose of providing the Services.

8.2 Privacy Policy

Our collection, use, and protection of your personal data are governed by our Privacy Policy, available at https://credbrick.com/privacy.

8.3 Data Security

We implement industry-standard security measures, including encryption, multi-factor authentication, and role-based access control, to protect your data. However, no system is completely secure, and you acknowledge that you use the Platform at your own risk.

8.4 Data Retention

Upon termination of your Account, we will retain your Customer Data for 90 days, after which it will be permanently deleted unless otherwise required by law.

9.1 Fees

The Platform operates on a subscription-based pricing model. Pricing details are available at https://credbrick.com/#pricing or upon request.

9.2 Payment

All fees are due in advance and must be paid via the payment methods specified on the Platform. Fees are non-refundable unless otherwise stated.

9.3 Taxes

All fees are exclusive of applicable taxes (e.g., GST). You are responsible for paying all taxes associated with your use of the Platform.

9.4 Late Payment

If payment is not received by the due date, we reserve the right to suspend or terminate your access to the Platform until payment is made.

10.1 Warranty

The Company warrants that the Platform will perform substantially in accordance with its documentation and specifications.

10.2 Disclaimer

The Company does not guarantee that:

• The Platform will be uninterrupted, error-free, or secure.
• The results obtained from using the Platform will be accurate or reliable.
• Any defects or errors will be corrected.

In no event shall the Company's total liability exceed the amount you paid to the Company in the 12 months preceding the claim.

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Platform.
• Your violation of these Terms.
• Your violation of any third-party rights, including intellectual property or privacy rights.
• Any Customer Data you upload to the Platform.

13.1 By You

You may terminate your Account at any time by contacting us at contact@credbrick.com.

13.2 By the Company

We may suspend or terminate your Account immediately if:

• You breach these Terms.
• Your use of the Platform poses a security risk or legal liability.
• You fail to pay applicable fees.

13.3 Effect of Termination

Upon termination:

• Your access to the Platform will cease immediately.
• You will no longer be able to retrieve Customer Data after 90 days.
• All provisions of these Terms that by their nature should survive termination (e.g., intellectual property, liability, dispute resolution) will remain in effect.

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.

15.1 Negotiation

In the event of any dispute arising out of or related to these Terms, the parties agree to first attempt to resolve the dispute through good-faith negotiation.

15.2 Arbitration

If the dispute cannot be resolved through negotiation within 30 days, the dispute shall be resolved through binding arbitration in accordance with the Arbitration and Conciliation Act, 1996.

15.3 Jurisdiction

The courts of Lucknow, India shall have exclusive jurisdiction over any disputes arising from these Terms.

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by:

• Posting the updated Terms on the Platform with a revised "Last Updated" date.
• Sending an email notification to the address associated with your Account.

Your continued use of the Platform after the effective date of the updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Platform and terminate your Account.

If you have any questions, concerns, or feedback about these Terms, please contact us at: