Last updated: 24 February 2026
Welcome to Credit Advice (hereinafter referred to as “the Website“, “we“, “us“, or “our“), accessible at https://www.creditadvice.in/.
These Terms and Conditions (“Terms“) govern your access to and use of the Website. By accessing, browsing, or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Website.
1. Eligibility
You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to agree to these Terms.
2. Purpose of the Website
Credit Advice is an informational blog providing general information, articles, tips, and resources related to credit, finance, personal loans, credit scores, and related topics. The content is for educational and informational purposes only and does not constitute professional financial, investment, tax, or legal advice.
We are not financial advisors, and nothing on the Website should be relied upon as personalized advice. Always consult a qualified professional before making any financial decisions.
3. Use of the Website
You agree to use the Website only for lawful purposes and in compliance with these Terms and all applicable laws, including Indian laws.
Prohibited activities include, but are not limited to:
- Posting, transmitting, or sharing unlawful, harmful, defamatory, abusive, or obscene content.
- Attempting to interfere with, hack, or damage the Website, servers, or networks.
- Using bots, scrapers, or automated tools to access or collect data without permission.
- Any conduct that violates Google AdSense Program Policies or other applicable regulations.
4. Intellectual Property
All content on the Website, including text, articles, images, graphics, logos, and design, is owned by Sultan Semnani or licensed to us and protected by copyright, trademark, and other intellectual property laws of India and international treaties.
You may view and print content for personal, non-commercial use only. No reproduction, distribution, modification, or commercial use is permitted without our prior written permission.
5. Third-Party Links and Advertisements
The Website may contain links to third-party websites and display advertisements, including Google AdSense ads.
We do not control, endorse, or assume responsibility for the content, privacy practices, accuracy, or availability of any third-party sites or advertisers. Your interactions with third-party links or ads are at your own risk.
6. Disclaimer of Warranties
The Website and all content are provided “as is” and “as available” without any warranties of any kind, express or implied, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the Website will be error-free, secure, uninterrupted, or free from viruses or other harmful components. Information on finance and credit may change; we do not guarantee its timeliness or accuracy.
7. Limitation of Liability
To the fullest extent permitted by law, we, Sultan Semnani, and our affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Website, even if advised of the possibility of such damages.
Our total liability to you shall not exceed INR 1,000 (Indian Rupees One Thousand only).
8. Indemnification
You agree to indemnify, defend, and hold harmless us, Sultan Semnani, and our affiliates from any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from your violation of these Terms, your use of the Website, or any content you submit.
9. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.
Any disputes arising out of or in connection with these Terms or the Website shall be subject to the exclusive jurisdiction of the courts located in Banaskantha, Gujarat, India.
10. Changes to These Terms
We may update or modify these Terms at any time. The updated version will be posted on this page with a revised “Last updated” date. Your continued use of the Website after such changes constitutes acceptance of the revised Terms.
11. Contact Us
If you have any questions about these Terms, please contact us at:
- Email: technashirbusiness@gmail.com
- Website: https://www.creditadvice.in/
By using Credit Advice, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.