Terms and Conditions

This document serves as a legally binding electronic agreement between you ("User" or "Borrower") and Kittur Loop, governing your access to and usage of our mobile software and revolving credit platform. By initiating installation, completing user registration, or utilizing any feature within Kittur Loop, you explicitly confirm that you have read, comprehended, and agreed to be governed by these Terms and Conditions.

Formulated under the legal framework of the Information Technology Act, 2000 and the Indian Contract Act, 1872, this digital agreement does not require physical signatures to be legally enforceable. If you do not consent to these terms in their entirety, you must immediately halt all operations and remove the software from your mobile device.

To register, request, or maintain an active revolving credit facility with Kittur Loop, applicants must fulfill the following mandatory prerequisites:

• Citizenship & Residency: You must be a legal citizen and resident of the Republic of India, possessing valid tax and national identity credentials (including a PAN card and Aadhaar).
• Legal Competence & Age: You must be at least 18 years of age and possess full legal capacity to execute enforceable contracts under applicable Indian laws.
• Authenticity of Submissions: All personal, financial, and employment information submitted during onboarding must be truthful, accurate, and kept updated.
• Anti-Fraud Integrity: Submitting fraudulent documents, impersonating third parties, or misrepresenting facts will result in immediate profile suspension, credit cancellation, and potential referral to law enforcement authorities.

You are solely responsible for maintaining the confidentiality of your account credentials, including One-Time Passwords (OTPs), PINs, and security keys. Any action taken under your authenticated account will be deemed as authorized directly by you. Users are strictly forbidden from engaging in the following activities:

• Decompiling, reverse engineering, disassembling, or attempting to extract source code from Kittur Loop.
• Deploying automated systems, web scrapers, bots, or data collection scripts to access or extract system data.
• Compromising server stability, bypassing security protocols, or executing cyber threats against our infrastructure.
• Employing credit facilities for illegal undertakings, unauthorized money laundering, online gambling, or activities banned under Indian regulations.

All software frameworks, user interfaces, branding assets, algorithmic scoring engines, and content incorporated into Kittur Loop are the exclusive intellectual property of the platform operator and protected under Indian copyright and trademark statutes. Users are granted a limited, revocable, non-transferable, and non-exclusive license to use the app strictly for personal credit management.

While you retain ownership of your submitted data, you grant us an irrevocable right to process and store such data to provide financial services, refine risk algorithms, and fulfill regulatory record-keeping duties.

Kittur Loop is delivered on an "as-is" and "as-available" basis without warranties of any nature, whether express or implied. We do not guarantee uninterrupted system access, error-free platform performance, or mandatory credit line approvals. Credit limit grants, interest rates, and fee structures are evaluated dynamically based on proprietary credit assessment models.

To the maximum extent permitted under Indian law, Kittur Loop shall not be held liable for any indirect, special, incidental, or consequential damages arising from service interruptions or platform usage.

We reserve the right to modify or update these Terms and Conditions at any time to align with regulatory changes, technical enhancements, or operational needs. Updated terms become effective immediately upon being published on our official portal. Continued usage of Kittur Loop after updates indicates your agreement to the modified terms.

This agreement is governed by the laws of India, and any legal disputes arising hereunder shall be subject to the exclusive jurisdiction of the competent courts in India.

Official Website: https://www.kitturloopcreditline.com

Privacy Policy URL: https://www.kitturloopcreditline.com/privacy-policy

Support Email: business@kitturloopcreditline.com