These Terms and Conditions (“Agreement”) govern the purchase and use of the Credit Improvement Plan (CIP) offered by KGIL Fintech Solutions Pvt. Ltd. (“Company”, “We”, “Us”, “Our”) through the SwipeLoan App and www.swipeloan.in (“Platform”). By purchasing a CIP plan, the user (“Customer”, “You”, “Your”) agrees to these terms.

1. Nature of Service
SwipeLoan’s Credit Improvement Plan (CIP) is an advisory and educational service designed to help users understand, monitor, and improve their credit health.
The CIP does not guarantee any specific credit score increase, loan approval, or disbursal. All insights and recommendations are purely advisory in nature and based on your financial profile, repayment history, and bureau data.

2. Plans & Pricing
SwipeLoan offers three CIP plan options to suit different user needs. All plans are available online and through the app.

All prices are inclusive of GST.
SwipeLoan reserves the right to revise prices, benefits, or offers at any time with prior notice on its website and app.

3. Services Included
Depending on the plan purchased, CIP may include:
• Credit Health Report – Access to your detailed credit score and report from authorized credit bureaus.
• Personalized Guidance – Score improvement suggestions based on repayment behaviorand credit mix.
• Monthly Tracking – Free updated reports every month (for 6-month and annual plans).
• Relationship Manager Support – For annual plan users only.
• Assured Loan Offer – Curated partner offers based on improved credit health (non-binding).
• VIP Support – Priority query resolution for annual users.
CIP is an educational program and does not include direct credit repair or guaranteed results.

4. Payment & Renewal
• Payment for CIP must be made online through secure payment gateways available on the platform.
• Services begin immediately upon successful payment confirmation.
• Plans are valid strictly for their respective durations (30 days / 6 months / 12 months).
• All payments are non-refundable irrespective of loan outcomes or usage level.
• Renewals are manual and must be initiated by the user before expiry.

5. User Obligations
• Customers must be at least 18 years old and provide valid KYC and contact details.
• Users agree to provide accurate information for credit assessment.
• SwipeLoan reserves the right to suspend or terminate service for misuse, fraud, or non-compliance.

6. Data Privacy & Consent
By purchasing any CIP plan, you authorize SwipeLoan to:

7. Disclaimers & Limitations
• CIP is an educational advisory service, not a loan product or credit guarantee.
• Credit scores depend on multiple factors outside SwipeLoan’s control (repayment history, credit utilization, bureau updates, etc.).
• SwipeLoan shall not be liable for any loan rejection, delay, or score discrepancy arising from third-party data.
• Bureau data is owned and maintained by respective credit bureaus (Experian, CIBIL, etc.).

8. Dispute Resolution
All disputes shall be resolved through arbitration in Pune, India, under the Arbitration and Conciliation Act, 1996.
The language of arbitration shall be English, and courts at Pune, Maharashtra shall have exclusive jurisdiction.

9. Modification of Terms

SwipeLoan reserves the right to modify or update these Terms and Conditions at any time.
Updates will be published on the website and app, and continued use of the CIP service constitutes acceptance of the updated terms.

10. Acceptance
By purchasing any CIP plan, you confirm that:
• You have read, understood, and agreed to these Terms.
• You are voluntarily availing of the CIP service.
• You understand that SwipeLoan does not guarantee specific credit improvement or loan sanction.

Contact Us
📧info@swipeloan.in
📍 KGIL Fintech Solutions Pvt. Ltd., Pune, Maharashtra, India