Welcome to Blink Credit, a digital lending and financial technology platform designed to facilitate access to credit and financing products. The platform enables users to explore personal loans and other tailored financing solutions, while also providing technology-enabled services that support customer onboarding, credit origination, application processing and related operational processes for partnered financial institutions or lenders ("Financiers").
As a digital platform and lending service support provider, Blink Credit may perform certain outsourced or technology-enabled activities on behalf of its Financiers in accordance with applicable service arrangements. These activities may include customer sourcing, preliminary assessment, document collection support, monitoring assistance and collection-related support, as permitted under applicable laws and contractual arrangements.
By accessing or using Blink Credit, you confirm that you have carefully reviewed, understood and agreed to these Terms of Use ("ToU") along with the associated privacy disclosures and product terms presented in the application. Continued use of the platform signifies your ongoing acceptance of all terms, conditions, notices and obligations stated herein. Blink Credit may amend or update these terms from time to time.
1. Loan Application Conditions
1.1 Acceptance of Fees and Disclosures
You acknowledge that you have reviewed and accepted all applicable charges, fees, commissions, interest, repayment obligations and the Key Fact Statement or equivalent product disclosure issued by the Financier. Applicable taxes, including GST, may be charged in accordance with prevailing laws.
1.2 No Additional Promises
Neither Blink Credit nor its representatives shall offer any incentives, gifts, rebates, waivers, approval guarantees or benefits beyond those expressly stated in the official product disclosures.
1.3 Incomplete or Incorrect Applications
Loan applications that are incomplete, inaccurate, misleading or unclear may not be processed. Any delay, rejection or inability to process an application resulting from such deficiencies shall be the responsibility of the applicant.
1.4 No Assurance of Approval
Submission of a loan application does not guarantee approval. The Financier retains full discretion to approve, modify, reduce or decline any loan request based on its policies, verification, eligibility checks, credit assessment and applicable law.
1.5 Information Disclosure by Financier
The Financier may disclose your personal information, loan details, repayment behavior, default information, security-related information or application records to authorized entities such as credit bureaus, regulators, financial institutions, affiliates, service providers, verification agencies or rating agencies for verification, credit evaluation, monitoring, servicing, risk management or compliance purposes.
1.6 Record Retention
The Financier and authorized service providers may retain application forms, documents, photographs, consents, logs and related records irrespective of whether the loan is approved, rejected, cancelled or withdrawn, subject to applicable law and data-retention requirements.
1.7 Consequences of Delayed Repayment
In the event of delayed, missed or failed payments, penal charges, late payment charges or other applicable fees may be imposed in addition to any contractual or legal remedies available to the Financier. Additional documentation or verification may be required for continued assessment or servicing.
1.8 Accuracy of Information
You declare that all information, documents, declarations and consents provided during the application process are true, complete and accurate to the best of your knowledge.
1.9 Permitted Use of Loan Proceeds
You agree to use the loan amount strictly for the stated and lawful purpose and not for unlawful, speculative, prohibited or restricted activities.
1.10 Politically Exposed Person Declaration
You confirm that you are not classified as a Politically Exposed Person unless specifically disclosed during the application process. If your status changes, you must inform the Financier immediately. Enhanced due diligence procedures may apply to PEP accounts.
2. Customer Declarations and Authorizations
You authorize the Financier to share your application details and supporting documents with affiliates, service providers, credit bureaus, partners, verification agencies or regulatory authorities for verification, credit assessment, fraud prevention, risk management, account servicing and compliance.
You confirm that you have read and understood all terms governing the loan, including the Key Fact Statement, sanction terms, loan agreement, repayment schedule, fees, charges and other product disclosures.
You declare that you are a resident of India and are legally capable of applying for and accepting the relevant financial product.
Blink Credit shall not be responsible for delivery timelines, performance, merchant obligations or quality of goods or services purchased using the loan amount.
In the event of loan cancellation, you agree to bear applicable charges on the utilized amount, if any, as set out in the loan documents. Processing fees may be non-refundable except where a cooling-off period or applicable law provides otherwise.
Any digital or electronic sanction communication is provisional and subject to final approval upon completion of documentation, verification and lender assessment.
Loan-related documents, including the welcome letter, Key Fact Statement, loan agreement and repayment schedule, may be sent to your registered mobile number or email address, or made available through the Blink Credit application.
If discrepancies are identified in statements, records or loan documents, you must notify the Financier or support channel promptly. Such notification shall not delay, suspend or cancel repayment obligations unless confirmed by the Financier.
3. Repayment Obligations
You agree to repay all dues through NACH mandates, bank transfers, UPI, payment gateways or other payment methods accepted by the Financier. You must maintain sufficient balance in the linked account to honor repayment instructions.
You shall not revoke, modify, block or interfere with repayment mandates without clearing all outstanding dues or following the process permitted by the Financier.
You authorize the Financier, where legally permitted and supported by valid consent, to access your credit score and obtain credit information from approved credit bureaus.
You consent to receive calls, SMS messages, emails, alerts or service communications related to application status, loan products, repayments, account servicing and related support, subject to applicable law.
In the event of inconsistency between these terms and specific loan agreements or lender-issued documents, the loan documents shall prevail.
4. Platform Usage Responsibilities
You are responsible for maintaining the confidentiality of your login credentials, device access and account activity, and for preventing unauthorized access to your account.
Blink Credit does not warrant uninterrupted availability, accuracy, reliability or suitability of platform content, application features or services.
Any content downloaded, printed, copied or relied upon is accessed at your own risk. Blink Credit shall not be liable for altered, corrupted, outdated or incomplete materials.
Blink Credit shall not be responsible for losses arising from technical failures, delays, service interruptions, system errors, third-party downtime, verification delays or inaccuracies beyond reasonable control.
Access to services may be restricted, suspended or terminated without prior notice in the event of security risks, fraud concerns, operational necessity, misuse or suspected breach of these terms.
5. Modifications to Platform or Policies
Blink Credit may modify, restructure, update, suspend or discontinue any aspect of the platform, including design, features, workflows, disclosures, eligibility flows or content, at any time.
Users are responsible for reviewing updates periodically. Continued use of the platform after updates indicates acceptance of the revised terms, unless otherwise required by applicable law.
While reasonable efforts are made to ensure informational accuracy, Blink Credit does not guarantee completeness, correctness or continuous availability of all content.
6. Breach and Non-Compliance
If misuse, fraud, unauthorized access or violation of these terms is suspected, Blink Credit may take appropriate action, including:
- issuing warnings or support notices;
- temporarily or permanently restricting access;
- blocking access by account, device, network or technical identifiers;
- requesting service providers to restrict or review access;
- initiating legal or regulatory proceedings where required;
- suspending or terminating user accounts.
You agree to indemnify Blink Credit, its affiliates, partners, officers, employees and authorized service providers against losses, claims or liabilities arising from misuse of the platform, false information, breach of these terms or violation of applicable law.
7. Third-Party Links
The platform may contain links to third-party websites, services or resources for convenience. Blink Credit does not control, endorse or assume responsibility for the content, policies, security practices or services of such external platforms.
8. Governing Law
All services and activities provided through Blink Credit shall be governed by the laws of India. These Terms constitute an electronic record under the Information Technology Act, 2000 and related rules.
Disputes relating to a specific loan product may also be governed by the relevant loan agreement, Key Fact Statement and lender-issued documents.
9. Limitation of Liability
Blink Credit, its affiliates, directors, officers, employees and authorized service providers shall not be liable for any direct or indirect loss, damage or expense arising from:
- use or inability to use the platform;
- inaccurate, incomplete or unavailable services;
- technical issues, delays or system failures;
- viruses or harmful components;
- reliance on general platform content or statements;
- third-party websites, services, lenders or external systems.
For clarification or discrepancies, users may contact customer support through the available channels.