Terms of Service
Effective Date: May 3, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING DISCLAIMERS, LIMITATIONS OF LIABILITY, AND WAIVERS.
1. Introduction
Welcome to Punjab Credit. By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Eligibility
To use our services, you must be at least 18 years old and a legal resident of the United States or Canada. You represent and warrant that all information you provide is accurate and complete.
3. Services Provided
Punjab Credit is a loan referral service. We connect applicants with third-party financing partners and do not directly issue loans. Approval is not guaranteed and is subject to lender requirements.
4. Communication Consent
By submitting an application, you consent to being contacted by Punjab Credit and its financing partners via phone, email, SMS, or other electronic means regarding your application and related services.
5. Credit Checks
By submitting your application, you authorise Punjab Credit and its lending partners to perform a hard credit enquiry with credit bureaus. This may impact your credit score.
6. Accuracy of Information
You are responsible for ensuring that all information provided in your application is accurate, current, and complete. Providing false or misleading information may result in denial of service.
7. Third-Party Links
Our website may contain links to third-party websites or services. Punjab Credit is not responsible for the content, privacy policies, or practices of any third-party sites.
8. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of Punjab Credit and is protected by copyright and trademark laws.
9. License to Use
Subject to these terms, we grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes.
10. Privacy and Security
Your use of our services is also governed by our Privacy Policy. We employ bank-level encryption to protect your personal data and never sell your information to third parties.
11. Disclaimers
Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our website will be uninterrupted, secure, or error-free.
12. Limitation of Liability
To the fullest extent permitted by law, Punjab Credit shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.
13. Indemnification
You agree to indemnify and hold harmless Punjab Credit and its affiliates from any claims, damages, or expenses arising from your use of our services or violation of these terms.
14. Electronic Communications
You consent to receive electronic communications from Punjab Credit. These communications may include notices, agreements, and disclosures related to your application.
15. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which Punjab Credit operates, without regard to conflict of law principles.
16. Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services constitutes acceptance of modified terms.
17. Contact Information
If you have questions about these Terms of Service, please contact us at legal@punjabcredit.com.
These Terms of Service were last updated on May 3, 2026. Punjab Credit reserves the right to modify these terms at any time. Please review this page periodically for changes.