Terms & Conditions

Welcome to www.hellocredit.in. By accessing or using our website, you agree to comply with and be bound by these Terms & Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use the website.

• "AMR Finance" refers to AMR Finance Private Limited, the owner of the Hello Credit platform.
• "User" / "You" refers to any individual or entity accessing the website.
• "Services" refers to credit analysis, loan consultation, and related financial services provided by Hello Credit.

To use this website, you confirm that:

• You are at least 18 years old.
• You have the legal capacity to enter into a binding agreement.
• You are resident of India.
• You are using the website for lawful purposes only.

Hello Credit, operated by AMR Finance Private Limited, provides financial and credit-related services including:

• Credit score analysis and monitoring.
• Loan consultation and assistance.
• CIBIL report evaluation.
• Personalized credit improvement plans.

User Responsibilities

By using our services, you agree to:

• Provide accurate and complete personal and financial information.
• Keep your information updated.
• Maintain the confidentiality of your account credentials.

Users agree not to:

• Use the website for fraudulent, illegal, or unauthorized purposes.
• Submit false, misleading, or inaccurate information.
• Interfere with website operations or engage in hacking or scraping.
• Upload or distribute harmful or malicious content (viruses, malware).
• Violate applicable laws or regulations.

Failure to comply may result in suspension or termination of services and legal action.

By registering with Hello Credit, you explicitly consent to:

• Receive calls, SMS, WhatsApp messages, and emails from AMR Finance and its lending partners regarding your application and offers.
• Receive communication even if your number is registered under DND (Do Not Disturb) / DNC (Do Not Call) registry.

To opt-out, please email hey@hellocredit.in with your registered mobile number. Note that opting out may affect our ability to provide services.

AMR Finance Private Limited shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our services, or for any loan decisions made by lending partners. We do not guarantee loan approvals or specific credit score improvements, as these depend on various external factors.

Your use of the website is also governed by our Privacy Policy, which is incorporated by reference into these Terms.

We reserve the right to modify these Terms at any time without prior notice. Your continued use of the website after changes constitutes acceptance of the new Terms. Please check this page regularly for updates.

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

For any questions regarding these Terms, please contact us at hey@hellocredit.in.