Effective date: 01-01-2025  |  Last updated: 01-04-2026

1. About Credit4Sure

Credit4Sure (“Platform”, “we”, “our” or “us”) is a digital platform operated by Mahavira Finlease Limited (“Company”). These Terms & Conditions govern your access to and use of the Platform, including any application, service, feature or communication made available through it.

By accessing the Platform or submitting an application, you confirm that you have read and understood these terms. If you do not agree, please do not use the relevant service or submit your information.

2. Information We May Collect

Depending on the service you request and the applicable legal requirements, we may collect information directly from you or, with appropriate authority and consent, from permitted third-party sources. This may include:

• Identity and KYC information: name, date of birth, address, gender and other identity details required for verification.
• PAN information: Permanent Account Number (PAN), PAN verification results and related tax or identity details where required.
• Aadhaar-related information: Aadhaar number or permitted Aadhaar authentication/verification data only where legally allowed, necessary and supported by the required consent. We will not request or use Aadhaar information in a manner prohibited by applicable law.
• Mobile and contact information: mobile number, email address, communication preferences and verification results such as OTP confirmation.
• Financial and credit information: declared income, employment or business details, existing liabilities, repayment history and information needed to assess an application.
• Application and technical information: application details, consent records, device/browser information, IP address, access logs and security-related data.
• Supporting documents: documents or information you voluntarily submit or that are lawfully required to process your request.

Please provide accurate and up-to-date information. Do not submit another person’s personal information unless you are legally authorised to do so.

3. Purposes of Collection and Use

We may use information for legitimate, disclosed and legally permitted purposes, including:

• creating and managing your account or application;
• verifying your identity, PAN, mobile number and other submitted details;
• performing KYC, due diligence, eligibility checks and application assessment;
• requesting, obtaining or evaluating credit information and credit scores/reports from a credit information company, where you have provided the required consent and the enquiry is legally permitted;
• submitting credit information or account/repayment information to credit information companies, including TransUnion CIBIL, where applicable, required and legally permitted;
• preventing fraud, detecting suspicious activity, securing our systems and managing risk;
• meeting legal, regulatory, audit, record-keeping and reporting obligations;
• responding to your requests and sending service-related communications.

We will not treat your consent to one purpose as consent to unrelated processing. Where separate consent is required, we will seek it separately.

4. Credit Bureau / CIBIL Enquiries and Reporting

Where relevant to your request, and subject to the applicable law and the consent or other lawful basis required for the specific activity:

• we may make an enquiry with TransUnion CIBIL or another authorised credit information company to obtain your credit information, score or report for an identified purpose such as application assessment;
• we may share or report information relating to your credit facility, account, payment performance or repayment status with authorised credit information companies when required or permitted by law;
• credit bureau information may be used by the Company and its authorised personnel for credit assessment, risk management, servicing, compliance and related lawful purposes.

A credit enquiry may be recorded by the relevant credit bureau and may affect your credit profile depending on the enquiry type and the bureau’s rules. A credit score or report is provided by the relevant credit information company; Credit4Sure does not guarantee a particular score, report outcome, loan approval or change in score.

You are responsible for reviewing the accuracy of the information you provide. If you believe your credit report contains an error, you may raise a dispute with the relevant credit information company and/or the reporting lender, as applicable.

5. Sharing and Disclosure of Information

We may disclose relevant information, limited to what is necessary for the stated purpose and subject to applicable law, to:

• authorised credit information companies, including TransUnion CIBIL, for lawful credit enquiries and reporting;
• KYC, identity, PAN or mobile verification service providers and other authorised service providers;
• banks, lenders, financial institutions, payment providers or business partners involved in a service you request, where applicable and with the required authorisation or consent;
• technology, hosting, security, customer-support and document-processing vendors acting on our instructions and subject to appropriate confidentiality and security obligations;
• regulators, courts, law-enforcement agencies or other authorities when disclosure is required or permitted by law;
• other parties where you have specifically authorised the disclosure or where another lawful basis applies.

We do not authorise service providers to use your personal information for their own unrelated purposes. We do not sell personal data as a standalone product.

6. Aadhaar and Sensitive Identity Information

Aadhaar information will be collected, used, verified or shared only through methods and for purposes permitted under applicable Indian law and relevant UIDAI requirements. Where Aadhaar authentication, offline verification or another regulated process requires specific consent, we will obtain that consent before proceeding. Where possible and appropriate, we may offer an alternative identification method.

Please do not send your Aadhaar number, OTP, PIN or identity documents to unofficial email addresses or support channels. Credit4Sure will not ask you to disclose an Aadhaar OTP to a person over a phone call or chat.

7. Consent and Your Choices

Where required, we will present a clear consent request describing the information involved, the purpose, relevant recipients and any applicable withdrawal process. You may decline optional processing; however, we may be unable to provide a service if the information or verification is necessary to deliver it or meet a legal requirement.

Where processing is based on consent, you may withdraw consent through the method provided in the relevant consent notice or by contacting us. Withdrawal does not affect processing lawfully completed before withdrawal and may not prevent retention or processing required by law or necessary to establish, exercise or defend legal claims.

8. Data Security, Retention and Accuracy

We use reasonable technical and organisational safeguards designed to protect information against unauthorised access, loss, misuse, alteration or disclosure. No electronic transmission or storage system can be guaranteed to be completely secure.

We retain personal information only for as long as reasonably necessary for the purposes described in these terms, including applicable legal, regulatory, accounting, dispute-resolution and record-retention requirements. Retention periods may vary by data type and service.

You should notify us if information you have provided changes or is inaccurate. We will handle correction, access, deletion or other requests in accordance with applicable law and our legal obligations.

9. Your Responsibilities

• Provide truthful, complete and current information.
• Use only your own credentials and keep passwords and OTPs confidential.
• Do not impersonate another person, submit forged documents, misuse the Platform or attempt unauthorised access.
• Read each consent notice carefully before authorising identity verification, a credit bureau enquiry or disclosure of information.

10. Third-Party Services

The Platform may rely on third-party services, including credit bureaus, verification providers and financial institutions. Their services may be governed by their own terms and privacy notices. We are not responsible for third-party systems to the extent permitted by law, but we will take reasonable steps to work with authorised providers for the services we offer.

11. Changes to These Terms

We may update these Terms & Conditions to reflect changes in our services, operational practices or legal requirements. The revised version will be published on the Platform with an updated date. Where required by law, we will provide notice or obtain renewed consent before material changes take effect.

12. Governing Law and Disputes

These terms are governed by the laws of India. Subject to applicable consumer-protection rules and mandatory legal requirements, disputes shall be handled by the courts or forums having competent jurisdiction.

13. Contact and Grievances

For questions about these terms, personal information, consent, correction requests or grievances, please contact the Company using the details below. Replace the placeholders with verified contact details before publishing.