Terms of Use

1. Definitions

• "We", "Us", "Our" refers to Vision Paid and its affiliates
• "You", "Your", "User" refers to any person accessing or using our platform
• "Platform" refers to our website, mobile applications, and services
• "Services" refers to loan facilitation, insurance, credit card, and related services
• "Lenders" refers to banks, NBFCs, and other financial institutions

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Not be prohibited from using our services under applicable laws

3. Our Services

Vision Paid acts as a facilitator between you and various financial institutions. We provide:

• Loan comparison and application assistance
• Insurance product comparison and facilitation
• Credit card application assistance
• Financial advisory services

Important: We are not a lender, insurer, or financial institution. We do not provide loans, insurance, or credit directly. All financial products are provided by our partner institutions.

4. User Responsibilities

By using our platform, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not engage in any fraudulent or deceptive practices
• Not interfere with the proper working of our platform
• Not attempt to gain unauthorized access to our systems

5. Information Accuracy

You are solely responsible for the accuracy of information you provide. Providing false or misleading information may result in:

• Rejection of your application
• Termination of your account
• Legal action as per applicable laws
• Reporting to credit bureaus and authorities

6. Intellectual Property

All content on our platform, including but not limited to:

• Text, graphics, logos, and images
• Software and code
• Trademarks and service marks
• Design and layout

is the property of Vision Paid or its licensors and is protected by intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without written consent
• Reverse engineer our software or systems

7. Third-Party Links and Services

Our platform may contain links to third-party websites and services. We:

• Are not responsible for the content or practices of third-party sites
• Do not endorse or guarantee any third-party products or services
• Recommend reviewing third-party terms and privacy policies

8. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid us (if any)
• We do not guarantee approval of any loan or insurance application
• We are not responsible for decisions made by lenders or insurers
• We do not guarantee uninterrupted or error-free service

9. Disclaimer of Warranties

Our platform and services are provided "as is" without warranties of any kind, either express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy of information

10. Indemnification

You agree to indemnify and hold harmless Vision Paid, its directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our platform
• Your violation of these terms
• Your violation of any third-party rights
• Any information you submit

11. Termination

We may terminate or suspend your access to our platform:

• Immediately, without prior notice, for any breach of these terms
• If required by law or government order
• If we discontinue our services

Upon termination, all provisions of these terms that by their nature should survive termination shall remain in effect.

12. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in Silchar, Assam.

13. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our platform. Your continued use of our services after changes constitutes acceptance of the modified terms.

14. Contact Information

If you have any questions about these Terms of Use, please contact us: