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Dilcredit Terms and Conditions

Please read these Terms and Conditions carefully before using the Dilcredit application (the "Service").

Last updated: 13-11-2026

01Interpretation and Definitions

Interpretation

Words with initial capital letters have the meanings defined below. Definitions apply whether the term appears in singular or plural.

Definitions

  • Company (referred to as "the Company", "We", "Us" or "Our") refers to COOPER CORPORATION PRIVATE LIMITED, operating the Dilcredit application.
  • Device means any device that can access the Service, such as a computer, cellphone or digital tablet.
  • Service refers to the Dilcredit mobile application and any related website.
  • Terms mean these Terms and Conditions, which form the entire agreement between You and the Company regarding use of the Service.
  • You means the individual accessing or using the Service.
  • Estimate means the indicative credit limit range generated by the Service based on the details You enter.

02Acknowledgment

These Terms govern Your use of the Service and set out the rights and obligations of all users.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, You may not access the Service.

You represent that You are an Indian resident aged 18 or above and legally competent to enter into a contract under the Indian Contract Act, 1872. The Company does not permit those under 18 to use the Service.

Your use of the Service is also conditioned on Your acceptance of our Privacy Policy, which describes how we collect, use and disclose Your personal data. Please read the Privacy Policy carefully before using the Service.

03Nature of the Service

Dilcredit is an estimation tool. Based on the details You enter — such as age, employment type, monthly income range and existing monthly obligations — the Service displays an indicative range of credit limits You may be eligible for.

You acknowledge and agree that:

  • The Estimate is indicative and provided for information and planning purposes only.
  • The Estimate is not an offer, approval, sanction or commitment of credit by the Company or any lender.
  • Actual credit limits, interest rates, fees and terms are determined solely by a lender after its own assessment, and a lender may offer a different limit or decline an application.
  • The Estimate does not affect Your credit score.
  • The Company does not guarantee that You will obtain credit in any amount, from any lender.

The Estimate varies with the details You enter and may be recalculated when those details change. You are responsible for the accuracy of the details You provide.

04Costs

Use of the Service is free of charge (Rs.0). The Company does not charge any fee on behalf of any lender.

05Acceptable Use

You agree not to:

  • Provide false, inaccurate or misleading information when using the Service
  • Use the Service for any unlawful purpose or in violation of applicable law
  • Attempt to reverse engineer, interfere with or disrupt the Service
  • Access the Service by automated means without our prior written consent

06Intellectual Property

The Service, including its content, features and functionality, is owned by the Company and protected by applicable intellectual property laws. You may not copy, modify, distribute or create derivative works of the Service without our prior written consent.

07Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason, including if You breach these Terms. Upon termination, Your right to use the Service ceases immediately.

08Limitation of Liability

To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special or consequential damages, including loss of profits, loss of data, or loss arising from reliance on an Estimate, use of or inability to use the Service, even if the Company has been advised of the possibility of such damages.

Where liability cannot be excluded, the Company's total liability shall be limited to the amount actually paid by You for the Service, or Rs.0 if no amount was paid.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Indian law.

09"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided "AS IS" and "AS AVAILABLE" without warranty of any kind. To the maximum extent permitted by law, the Company disclaims all warranties, express or implied, including fitness for a particular purpose and non-infringement. The Company does not warrant that the Service will be uninterrupted, error-free, or that any Estimate will be accurate for any particular lender's assessment.

10Governing Law and Disputes

These Terms are governed by the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at India.

If You have any concern or dispute about the Service, You agree to first try to resolve it informally by contacting the Company.

11Severability and Waiver

Severability: If any provision of these Terms is held unenforceable or invalid, it will be modified to the minimum extent necessary to achieve its objective, and the remaining provisions remain in full force.

Waiver: Failure to exercise a right or require performance under these Terms does not waive that right or any subsequent breach.

12Changes to These Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide notice before the new terms take effect. By continuing to use the Service after revisions become effective, You agree to be bound by the revised terms. If You do not agree, please stop using the Service.

13Contact Us

If You have any questions about these Terms, contact us:

Emailsupport@dilcredit.com