Disclaimer

This disclaimer ("Disclaimer") applies to the CreditWorth website, mobile applications, and all related services (collectively, the "Services"). By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.

CreditWorth provides a platform for comparing financial products and services, calculating financial metrics, and connecting users with financial institutions and service providers. We strive to provide accurate and up-to-date information, but we cannot guarantee the accuracy, completeness, or reliability of any information on our platform.

This Disclaimer should be read in conjunction with our Terms of Service and Privacy Policy, which are incorporated herein by reference.

The information provided on our Services is for general informational purposes only and is not intended to be a substitute for professional financial, tax, legal, or investment advice. The content on our Services should not be construed as financial advice, and no fiduciary relationship is created between CreditWorth and any user of our Services.

Before making any financial decisions or entering into any financial transactions, you should consult with a qualified professional advisor who can provide advice tailored to your specific circumstances, financial situation, and needs. Financial decisions involve risk, and the appropriateness of a financial product or strategy depends on an individual's specific circumstances.

CreditWorth does not recommend or endorse any specific financial products, services, or providers. The listing of a financial product or service on our platform does not constitute a recommendation or endorsement of that product or service.

The calculators, tools, and other interactive features on our Services are provided for illustrative and educational purposes only. The results generated by these tools are based on the information you provide and certain assumptions, which may not be applicable to your specific situation.

The calculations and estimates provided by our tools:

• Are approximations and not guaranteed to be accurate
• May not account for all fees, charges, or other costs associated with financial products or services
• May not consider your specific financial situation, objectives, or needs
• Should not be relied upon for making financial decisions
• May be based on assumptions that may not apply to your specific circumstances

The actual terms, rates, and costs of financial products and services may vary based on your specific circumstances, credit profile, and the policies of the financial institution or service provider. You should always verify the actual terms and conditions of any financial product or service directly with the provider before making any decisions.

While we strive to provide accurate and up-to-date information on our Services, we cannot guarantee the accuracy, completeness, or reliability of any information on our platform. The information on our Services may contain errors, inaccuracies, or omissions, and may not reflect the most current information available from financial institutions and service providers.

The information on our Services is obtained from various sources, including financial institutions, service providers, and publicly available sources. We do not independently verify the accuracy or completeness of this information, and we are not responsible for any errors or omissions in the information provided by these sources.

Financial products, services, rates, fees, and other terms and conditions may change frequently. We make reasonable efforts to update our Services, but the information on our platform may not reflect the most current terms and conditions of financial products and services.

You should always verify the actual terms and conditions of any financial product or service directly with the provider before making any decisions.

CreditWorth is not a financial institution, lender, broker, or service provider. We do not provide financial products or services directly to users. Instead, we connect users with third-party financial institutions and service providers who may offer financial products and services.

We are not responsible for the actions, inactions, or decisions of these third-party financial institutions and service providers. When you apply for or purchase a financial product or service through our platform, you are entering into a relationship with the third-party provider, not with CreditWorth.

The terms and conditions of any financial product or service are determined by the third-party provider, not by CreditWorth. We do not guarantee that you will be approved for any financial product or service, or that you will receive the terms or rates displayed on our platform.

We may receive compensation from financial institutions and service providers when users apply for or purchase their products or services through our platform. This compensation may influence the products and services we display on our platform and the order in which they appear.

Our Services are primarily designed for users in India. The information on our platform may not be applicable or relevant to users in other countries or jurisdictions. Financial products, services, regulations, and practices vary by country and jurisdiction, and the information on our platform may not reflect the products, services, regulations, or practices in your location.

If you access our Services from outside India, you do so at your own risk and are responsible for compliance with local laws and regulations. We make no representations or warranties that our Services are appropriate or available for use in locations outside India.

Some financial products and services displayed on our platform may not be available in all states, regions, or jurisdictions within India. The availability of financial products and services may be limited by various factors, including but not limited to, regulatory restrictions, provider policies, and geographic limitations.

Our Services may contain links to third-party websites, applications, or content that are not owned or controlled by CreditWorth. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites, applications, or content.

We do not endorse or guarantee the accuracy, completeness, or reliability of any third-party websites, applications, or content. Your use of any third-party websites, applications, or content is at your own risk and subject to the terms and conditions and privacy policies of those third parties.

We may display content from third parties, including but not limited to, articles, blog posts, news, and educational materials. This content is provided for informational purposes only and does not necessarily reflect the views or opinions of CreditWorth. We do not endorse or guarantee the accuracy, completeness, or reliability of any third-party content displayed on our platform.

While we implement reasonable security measures to protect your information, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee the absolute security of your information or that unauthorized access, hacking, data loss, or other breaches will not occur.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You should use caution when sharing personal or financial information online and should always verify the security of websites and applications before providing sensitive information.

Our collection, use, and disclosure of your information is governed by our Privacy Policy. By using our Services, you acknowledge that you have read and understood our Privacy Policy and consent to the collection, use, and disclosure of your information as described therein.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CREDITWORTH AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES
• ANY CONTENT OBTAINED FROM THE SERVICES
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT
• RELIANCE ON ANY INFORMATION OR CONTENT PROVIDED THROUGH THE SERVICES
• ANY FINANCIAL DECISIONS OR TRANSACTIONS MADE BASED ON INFORMATION OR CONTENT PROVIDED THROUGH THE SERVICES
• ANY OTHER MATTER RELATING TO THE SERVICES

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CREDITWORTH AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS EXCEED THE AMOUNT YOU PAID TO CREDITWORTH, IF ANY, IN THE PAST SIX MONTHS FOR THE SERVICES GIVING RISE TO THE CLAIM.

THE LIMITATIONS OF LIABILITY IN THIS SECTION SHALL APPLY TO ALL THEORIES OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND WHETHER OR NOT CREDITWORTH HAS BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE EXCLUSIONS AND LIMITATIONS IN THIS SECTION MAY NOT APPLY TO YOU.

CreditWorth is not a regulated financial institution, lender, broker, or advisor. We do not provide financial products or services that require regulatory licensing or registration. Our Services are designed to provide information and connect users with regulated financial institutions and service providers.

The financial institutions and service providers listed on our platform are responsible for their own regulatory compliance. We do not guarantee that these institutions and providers are properly licensed, registered, or compliant with applicable laws and regulations.

Financial products and services are subject to various laws, regulations, and regulatory oversight. These laws and regulations may change over time, and the information on our platform may not reflect the most current regulatory requirements.

You should verify the regulatory status and compliance of any financial institution or service provider before engaging their services or purchasing their products.

All financial products and services involve risk, and the potential for profit is accompanied by the risk of loss. The types and degrees of risk vary depending on the specific financial product or service. Some common risks associated with financial products and services include, but are not limited to:

• Credit Risk: The risk that a borrower will default on a loan or other debt obligation.
• Interest Rate Risk: The risk that changes in interest rates will affect the value of a financial product or the cost of a financial service.
• Market Risk: The risk that the value of a financial product will fluctuate due to changes in market conditions.
• Inflation Risk: The risk that inflation will erode the purchasing power of money over time.
• Liquidity Risk: The risk that a financial product cannot be bought or sold quickly enough to prevent or minimize a loss.
• Operational Risk: The risk of loss resulting from inadequate or failed internal processes, people, and systems, or from external events.
• Regulatory Risk: The risk that changes in laws and regulations will affect a financial product or service.

Past performance is not indicative of future results. The value of investments and the income derived from them can go down as well as up, and you may not get back the amount originally invested.

You should carefully consider your financial situation, risk tolerance, and investment objectives before making any financial decisions or entering into any financial transactions.

Home Loans and Mortgages

Home loans and mortgages are complex financial products that involve significant long-term commitments. The information provided on our platform about home loans and mortgages is for general informational purposes only and may not reflect the specific terms and conditions offered by lenders.

Factors that may affect your eligibility for a home loan or mortgage, as well as the terms and rates you may receive, include but are not limited to:

• Your credit score and credit history
• Your income and employment history
• Your existing debt obligations
• The value and condition of the property
• The loan-to-value ratio
• The loan term and type
• Current market conditions and interest rates

Home loan and mortgage rates, fees, and terms can vary significantly between lenders and may change frequently. The rates and terms displayed on our platform may not be available to all borrowers or for all properties.

Before applying for a home loan or mortgage, you should carefully review the lender's terms and conditions, including but not limited to, interest rates, fees, repayment terms, prepayment penalties, and default provisions.

Personal Loans

Personal loans are unsecured loans that can be used for various purposes. The information provided on our platform about personal loans is for general informational purposes only and may not reflect the specific terms and conditions offered by lenders.

Factors that may affect your eligibility for a personal loan, as well as the terms and rates you may receive, include but are not limited to:

• Your credit score and credit history
• Your income and employment history
• Your existing debt obligations
• The loan amount and term
• The purpose of the loan
• Current market conditions and interest rates

Personal loan rates, fees, and terms can vary significantly between lenders and may change frequently. The rates and terms displayed on our platform may not be available to all borrowers.

Before applying for a personal loan, you should carefully review the lender's terms and conditions, including but not limited to, interest rates, fees, repayment terms, prepayment penalties, and default provisions.

Credit Cards

Credit cards are revolving credit accounts that allow you to borrow money up to a certain limit. The information provided on our platform about credit cards is for general informational purposes only and may not reflect the specific terms and conditions offered by credit card issuers.

Factors that may affect your eligibility for a credit card, as well as the terms and rates you may receive, include but are not limited to:

• Your credit score and credit history
• Your income and employment history
• Your existing debt obligations
• The type of credit card
• Current market conditions and interest rates

Credit card rates, fees, rewards, and terms can vary significantly between issuers and may change frequently. The rates and terms displayed on our platform may not be available to all applicants.

Before applying for a credit card, you should carefully review the issuer's terms and conditions, including but not limited to, interest rates, fees, rewards programs, grace periods, and default provisions.

Insurance Products

Insurance products provide financial protection against various risks. The information provided on our platform about insurance products is for general informational purposes only and may not reflect the specific terms and conditions offered by insurance providers.

Factors that may affect your eligibility for insurance, as well as the premiums and coverage you may receive, include but are not limited to:

• Your age, health, and medical history (for health and life insurance)
• Your driving record and vehicle details (for auto insurance)
• Your property details and location (for home insurance)
• Your credit score (in some jurisdictions)
• The type and amount of coverage
• The deductible and co-payment amounts
• Current market conditions and risk assessments

Insurance premiums, coverage, and terms can vary significantly between providers and may change frequently. The premiums and terms displayed on our platform may not be available to all applicants.

Before purchasing insurance, you should carefully review the provider's terms and conditions, including but not limited to, premiums, coverage limits, exclusions, deductibles, co-payments, and claim procedures.

Investment Products

Investment products involve the allocation of resources with the expectation of generating income or profit over time. The information provided on our platform about investment products is for general informational purposes only and may not reflect the specific terms and conditions offered by investment providers.

Investing involves risk, including the possible loss of principal. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for an investor's portfolio.

Past performance is not indicative of future results. Investment returns and principal value will fluctuate, and investments may be worth more or less than the original investment when redeemed.

Before investing, you should carefully consider your investment objectives, risk tolerance, and time horizon, and consult with a qualified financial advisor.

We may update this Disclaimer from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter.

Your continued use of the Services following the posting of a revised Disclaimer means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.