Terms & conditions

These terms govern your access to and use of the website and services of I Cred Technologys("we", "us"). By using our website or engaging our services, you agree to these terms. If you disagree, please do not use our site or services.

1. Business information

I Cred Technologys is operated by the proprietor MURUGANANTHAM SANGARALINGAM. Registered office / place of business: 8, SATTU BUILDING COMPLEX, AVALPOONDURAI, ERODE, PIN 638115, India.

2. Products and fittings

• Product descriptions, images, and specifications on this website are for general information. Actual stock, colours, and compatible models may vary; please confirm before purchase.
• Installation may require assessment of wall or surface strength; safe installation remains subject to site conditions and customer approvals.
• Warranty (if any) is limited to manufacturer terms where applicable. Our liability for direct product defects is limited to repair, replacement, or refund as agreed at the time of sale, to the extent permitted by law.

3. Loan consulting services

• We provide information and coordination support regarding consumer durable loans, personal loans, and business loans. We are not a lender and do not guarantee approval, interest rates, tenure, or disbursal timelines.
• Final credit decisions, charges, and agreements are solely between you and the licensed financial institution. You should read all sanction letters and agreements carefully before signing.
• You are responsible for the accuracy of documents and disclosures you provide. Misrepresentation may lead to rejection or legal consequences with lenders.

4. Fees

Any consulting fees, service charges, or product prices will be communicated in advance where applicable. Government taxes and third-party charges may apply additionally.

5. Intellectual property

Content on this website (text, graphics, logos, layout) is owned by us or our licensors. You may not copy, modify, distribute, or exploit it without prior written consent, except for personal, non-commercial viewing.

6. Acceptable use

You agree not to misuse the website (e.g. unlawful activity, spreading malware, scraping in violation of robots or rate limits, or impersonation). We may suspend access for violations.

7. Limitation of liability

To the fullest extent permitted by applicable law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits or data, arising from use of the website or services. Our aggregate liability for any claim related to these terms shall not exceed the amount you paid us for the specific service giving rise to the claim in the three months preceding the event, or INR 5,000, whichever is lower— except where liability cannot be limited by law.

8. Indemnity

You agree to indemnify and hold harmless I Cred Technologys and MURUGANANTHAM SANGARALINGAM from claims, damages, or expenses arising from your breach of these terms or misuse of services—except to the extent caused by our gross negligence or wilful misconduct.

9. Governing law & disputes

These terms are governed by the laws of India. Courts at Erode, Tamil Nadu, shall have exclusive jurisdiction, subject to mandatory consumer protection provisions where applicable.

10. Changes

We may modify these terms at any time. Continued use after changes constitutes acceptance. Material changes will be indicated by updating the date above.

11. Contact

Questions about these terms: Icredtechnologys@gmail.com · 08069328881