These Terms and Conditions (“Agreement”) govern the premium subscription services offered by KGIL Fintech Solutions Pvt. Ltd. (“Company”, “We”, “Us”, “Our”) through the SwipeLoan mobile application and www.swipeloan.in (“Platform”). By purchasing or using any premium plan, the user (“Customer”, “You”, “Your”) agrees to these Terms.
1. Nature of Service
SwipeLoan provides value-added subscription services designed to assist customers in improving their credit health and accessing personalized financial insights.
These services include, but are not limited to:
• Credit Report and Credit Health Dashboard
• Personalized Loan Eligibility Analysis & Recommendations
• Credit Improvement Plan (CIP)
• Value-added services such as health consultation, protection benefits, or wellness programs offered through authorized third-party partners
Important: SwipeLoan is not a lender and does not guarantee loan approval or disbursement. The subscription service does not constitute a loan facilitation fee under RBI guidelines.
2. Plans & Pricing
(a) Gold Plan – ₹99/month
Trial & Billing
7-day trial at ₹19
After the trial ends, ₹99/month will be automatically debited from the customer’s bank account
Monthly autopay continues unless paused or cancelled, for up to 10 years
Customers may pause autopay at any time, subject to explicit consent and applicable terms
Includes :
Premium access to advanced SwipeLoan features
Priority customer support with faster resolution timelines
Personalized loan eligibility analysis across 100+ lenders
Detailed credit report
(b) Platinum Plan – ₹199/month
Trial & Billing
7-day trial at ₹39
After the trial ends, ₹199/month will be automatically debited from the customer’s bank account
Monthly autopay continues unless paused or cancelled, for up to 10 years
Customers may pause autopay at any time, subject to explicit consent and applicable terms
Includes :
All features of the Gold Plan, plus:
12 months of uninterrupted premium platform access
Detailed credit improvement health report
VIP customer support with faster resolution timelines
Pricing & Other Terms :
All prices are inclusive of applicable taxes
SwipeLoan reserves the right to revise pricing or plan benefits, with prior notice published on the SwipeLoan website or mobile application
Any pricing or feature changes will apply prospectively, as per applicable laws
Special Terms for iOS Users
Plans are available at ₹99/month and ₹199/month
No trial period is available for iOS users
Autopay is not supported on iOS; payments are processed as per Apple’s in-app purchase policies
The amount paid by the customer for any of the above plans is non-refundable under any circumstances.

3. Payment & Validity
• Payment for the subscription is to be made through the available secure payment gateways on the Platform.
• Premium Plan: valid for 30 days from activation.
• Plus Plan: valid for 12 months from activation.
• All payments are non-refundable, regardless of service usage or loan outcomes.
• Renewal is automatic based on user selection.
4. Complimentary Credit Improvement Plan (CIP)
• CIP is included free of charge with every active Premium or Plus subscription.
• It provides personalized credit-score analysis, improvement tips, and monthly tracking.
• CIP services are advisory in nature and do not guarantee a specific score increase or loan sanction.
5. Third-Party Value-Added Services
• SwipeLoan partners with authorized service providers to offer additional benefits.
• Such services are governed by their respective partner terms, which users agree to when activating benefits.
• SwipeLoan is not responsible for the fulfilment, quality, or continuity of third-party benefits.
6. Disclaimer & Limitation of Liability
• SwipeLoan provides its services on a best-effort basis and makes no warranty as to the accuracy of credit insights or third-party data.
• The Company is not liable for any loss, delay, or denial of credit by lenders, nor for any indirect, incidental, or consequential damages.
• Users are solely responsible for their financial decisions based on the insights provided.
7. User Obligations
• Customers must be at least 18 years old and provide valid KYC information.
• Users agree not to misuse the Platform or engage in any fraudulent activity.
• All information provided must be true, complete, and current.
8. Termination & Suspension
SwipeLoan reserves the right to suspend or terminate services in case of:
• Breach of these Terms,
• Misuse of platform or benefits,
• Fraudulent transactions or chargebacks.
9. Dispute Resolution
Any disputes shall be resolved through arbitration in Pune, India, under the Arbitration and Conciliation Act, 1996.
The language of arbitration shall be English.
Courts at Pune, Maharashtra, shall have exclusive jurisdiction.
10. Modification of Terms
SwipeLoan may modify or update these Terms at its discretion. Updated versions will be published on the website/app and shall take effect immediately upon posting.
11. Acceptance
By purchasing or using SwipeLoan’s Premium or Plus plan, you acknowledge that:
• You have read and understood these Terms;
• The subscription is optional and purchased voluntarily;
• You consent to SwipeLoan processing your data and sharing it with authorized partners solely for the purposes described herein.
Contact
For any queries, complaints, or clarifications, please write to:
info@swipeloan.in
KGIL Fintech Solutions Pvt. Ltd., Pune, Maharashtra, India