Thank you for using CREDIKA. Please read these Terms of Service (“Terms”, “Terms of Use”, or “Agreement”) carefully before accessing or using our platform or services (“Services”). These Terms are legally binding and govern your use of our website and our mobile application, both owned and operated by CREDIKA Pte. Ltd., a company registered under the laws of India with its registered office at [insert updated address].
CREDIKA is a marketing technology platform designed to help users monetize their social influence and acts as a distribution partner for prepaid instruments (PPIs), wallets, and other financial products through its regulated partners.
CREDIKA is intended solely for individuals who are at least 18 years of age and residents of India. Use by those under 18 or outside India is strictly prohibited. By using the platform, you confirm your eligibility.
To access specific features of the CREDIKA platform, you must:
Meeting these criteria does not guarantee continued access to the platform. Eligibility may be revoked at any time if requirements are no longer met. These criteria are subject to change, and users are expected to stay updated.
By signing up for and using CREDIKA, you agree to abide by these Terms and our Privacy Policy. You confirm that all information you provide is valid and acknowledge that your access may be suspended or terminated for any violations.
We may use technologies to monitor user behavior, such as IP address tracking, to ensure compliance and service integrity.
CREDIKA partners with regulated financial institutions to offer co-branded PPI and wallet services. By using CREDIKA, you agree to any applicable terms issued by these partners, including:
CREDIKA acts solely as a distributor and marketing partner in these relationships.
Key terms such as “Min-KYC Wallet”, “Full KYC Wallet”, “PPI Issuer”, “KYC”, etc. are defined identically to RBI guidelines and the original terms, updated with CREDIKA as the Platform name.
Your privacy is important to us. CREDIKA’s Privacy Policy outlines how your data is used and protected. Third-party providers may also access anonymized data for analytics and service improvements. You are responsible for safeguarding your device and login credentials.
Before accessing financial products through CREDIKA’s co-brand partners, you must create a CREDIKA account using a verified mobile number and provide:
Revoking any of these permissions may restrict your access to the platform and services.
CREDIKA does not directly issue PPIs. These are issued by RBI-regulated entities such as Livquik and NSDL Payments Bank. Your use of these services is subject to their respective terms.
CREDIKA Wallet Types:
Your use of either wallet is subject to RBI regulations and KYC requirements.
All influencer marketing on CREDIKA must be transparent and adhere to applicable laws. Sponsored content must not be misleading and should include clear disclosures.
By submitting content, you grant CREDIKA and its partners the right to use it for marketing purposes.
We reserve the right to terminate access to the platform or any services at our discretion, without prior notice.
You may deactivate your CREDIKA account or unsubscribe from communications at any time by contacting:
📧 Kevin.w.hong@gmail.com
By using CREDIKA, you consent to receive communications via email, SMS, and in-app notifications.
You agree to indemnify and hold harmless CREDIKA, its officers, and partners from claims or liabilities arising from your use of the platform or violation of these Terms.
CREDIKA will not be liable for any indirect, incidental, or consequential damages arising from your use of the services. In any case, total liability shall not exceed ₹5,000.
CREDIKA provides its platform “as is” without guarantees of uninterrupted service or freedom from errors.
CREDIKA is not liable for service failures due to causes beyond its control (natural disasters, cyberattacks, regulatory action, etc.).
All platform content is the intellectual property of CREDIKA and/or its partners. You may not copy, distribute, or exploit this without written permission.
These Terms are governed by the laws of India. Any disputes shall be resolved by arbitration in Mumbai, under the Arbitration and Conciliation Act, 1996.
CREDIKA reserves the right to modify its services in accordance with any changes in applicable laws.
CREDIKA may show third-party content and offers. Accepting them is at your discretion and CREDIKA is not responsible for such offers or services.