Terms of Service:

These Terms of Service (“Terms”) govern your use of the services provided by Kredallino (“we,” “us,” or “our”) and constitute a legally binding agreement between you and Kredallino. By accessing or using our website or services, you agree to comply with these Terms. If you do not agree with these Terms, please refrain from using our website or services.

1. Use of Services:
a. Eligibility: You must be at least 18 years old or have the legal capacity to enter into a binding contract in your jurisdiction to use our services. By accessing or using our services, you represent and warrant that you meet these eligibility requirements.
b. User Account: To access certain features of our services, you may need to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for any activities conducted under your account. You agree to notify us immediately of any unauthorized use of your account.

2. Intellectual Property:
a. Our Content: All content available on our website or services, including text, graphics, logos, images, videos, software, and other materials, is owned or licensed by Kredallino and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.
b. User Content: You retain ownership of any content you submit or upload to our services (“User Content”). However, by submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, distribute, and display your User Content in connection with our services.

3. Prohibited Conduct:
When using our services, you agree not to:
a. Violate any applicable laws or regulations.
b. Infringe upon the rights of others or engage in any activity that may cause harm, harassment, or disruption.
c. Use our services to transmit any unauthorized or unsolicited advertising, promotional materials, or spam.
d. Attempt to gain unauthorized access to our systems or interfere with the proper functioning of our services.
e. Engage in any activity that could compromise the security or integrity of our services or the data of other users.

4. Disclaimer of Warranties:
Our services are provided on an “as is” and “as available” basis without warranties of any kind. We do not guarantee that our services will be error-free, secure, or uninterrupted. You use our services at your own risk.

5. Limitation of Liability:
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our services.

6. Indemnification:
You agree to indemnify, defend, and hold harmless Kredallino and its officers, directors, employees, and affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of or related to your use of our services or violation of these Terms.

7. Governing Law and Jurisdiction:
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of India.

8. Modifications to the Terms:
We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on our website. Your continued use of our services after the posting of any changes constitutes your acceptance of such changes.

9. Contact Us:
If you have any questions, concerns, or requests regarding these Terms, please contact us at support@kredallino.com.

These Terms of Service constitute the entire agreement between you and Kredallino regarding your use of our services and supersede any prior agreements or understandings.