1. Acceptance of Terms
By downloading, accessing, or using the Sky Credit platform, you explicitly agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, you must immediately cease use of the platform.
2. Role of Sky Credit
Sky Credit acts exclusively as a Technology Provider and Lending Service Provider (LSP). We are not a bank or an NBFC. We facilitate loan applications between you and our RBI-registered lending partner, Pooja Finstock International Limited. All loan approvals, terms, and disbursals are at the sole discretion of the lending partner.
3. User Eligibility
To use our services, you must:
- Be an Indian citizen residing in India.
- Be at least 18 years of age.
- Possess a valid PAN and Aadhaar card.
- Have an active Indian bank account for disbursal.
4. Repayment & Defaults
By accepting a loan offer facilitated through Sky Credit, you are legally bound to the repayment schedule outlined in your Key Fact Statement (KFS). Failure to repay EMIs on time will result in late fees, reporting to credit bureaus (CIBIL, Experian, etc.), and legal recovery actions initiated by the NBFC.