Welcome to Credoshine. By accessing or using our website and services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before using our website.
1. About Credoshine
Credoshine provides financial services including:
- Mutual fund distribution
- Reselling of financial products such as fixed deposits, PMS, AIFs, bonds, and debentures
- Assistance for various types of loans including housing, personal, business loans, limits, and loan against property
- Insurance solutions including life, health, and general insurance
Credoshine acts as a facilitator, distributor, and reseller.
2. Use of Website
By using this website, you agree:
- To use the website only for lawful purposes
- Not to misuse, copy, or reproduce any content without written permission
- Not to attempt unauthorized access to the website or its systems
We reserve the right to restrict or terminate access if these terms are violated.
3. No Financial Guarantee
All information provided on this website is for general informational purposes only.
- Investment and financial products are subject to market risks
- Past performance is not indicative of future results
- Credoshine does not guarantee returns, approvals, or outcomes
Users are advised to make decisions based on their own financial understanding and risk appetite.
4. Role & Responsibility
Credoshine:
- Acts as a distributor or reseller of third-party financial products
- Does not control the performance, approval, or policies of banks, insurers, AMCs, or financial institutions
- Is not responsible for delays, rejections, or changes made by third-party providers
Final decisions related to investments, loans, and insurance remain with the respective product providers.
5. Accuracy of Information
While we strive to keep information accurate and up to date:
- Credoshine does not warrant completeness or accuracy at all times
- Product details, terms, interest rates, and benefits may change without prior notice
Users should verify details directly with the respective financial institution before proceeding.
6. Third-Party Links
This website may contain links to third-party websites or platforms.
Credoshine is not responsible for the content, policies, or practices of any third-party sites.
7. Limitation of Liability
Credoshine shall not be liable for:
- Any direct or indirect loss arising from the use of this website
- Financial losses due to market fluctuations or third-party decisions
- Technical issues, interruptions, or temporary unavailability of services
Use of our services is at your own discretion and risk.
8. Intellectual Property
All content on this website, including text, logos, graphics, and design elements, is the property of Credoshine unless stated otherwise.
Unauthorized use, reproduction, or distribution is prohibited.
9. Privacy
Use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect user information.
10. Changes to Terms
Credoshine reserves the right to modify these Terms & Conditions at any time without prior notice.
Continued use of the website after updates constitutes acceptance of the revised terms.
11. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.
Any disputes shall be subject to the jurisdiction of Indian courts.
12. Contact Information
For any questions regarding these Terms & Conditions, please contact us through the details provided on our website.
Email Us : info.credoshine@gmail.com
Call Us : +91-9914982227
Address : B-31/2106, Street No. 4, Indrapuri, Tajpur Road, Ludhiana, Punjab – 141008