These Terms of Service (“Terms”) govern your access to and use of the Hyper Credit application and related digital services operated by STACKFIN TECHNOLOGY PRIVATE LIMITED (“STACKFIN”, “Hyper Credit”, “we”, “us”, or “our”).
Please read these Terms carefully before using the application.
Hyper Credit is a digital platform designed to facilitate access to and management of revolving credit facilities made available through applicable financial service providers or lending partners.
By registering for an account, accessing the application, or using any available service, you agree to comply with these Terms.
If you do not agree with these Terms, you should not use the relevant services.
Hyper Credit provides a digital interface through which eligible users may access services associated with a revolving credit facility.
A revolving credit facility provides an available credit limit that may be used by an eligible user according to the applicable conditions.
Unlike a conventional one-time borrowing arrangement, a revolving credit facility may allow credit to become available again after amounts previously utilized are repaid, subject to the applicable rules and eligibility requirements.
The amount available to a user may change over time.
Access to a revolving credit facility, the amount of available credit, and continued eligibility are not guaranteed.
Hyper Credit provides technology and digital services that facilitate interaction between users and applicable financial service providers.
Where a separate financial institution or lending partner is responsible for the underlying credit facility, that institution may determine matters including eligibility, available credit, applicable charges, repayment conditions, and continuation of access.
Hyper Credit does not promise that every user will qualify for a revolving credit facility or receive a particular credit amount.
To use Hyper Credit, you must satisfy the eligibility requirements applicable to the services you request.
You may be required to provide accurate personal, identity, contact, financial, employment, or other information during registration or verification.
We may require additional information or verification before allowing access to particular functions.
If you no longer satisfy the applicable eligibility conditions, access to some or all services may be restricted.
Certain Hyper Credit functions require you to create an account.
You agree to provide information that is truthful, complete, and current.
You are responsible for maintaining the confidentiality of information used to access your account and should take reasonable precautions to prevent unauthorized access.
If you believe that someone has accessed your account without authorization, you should contact us promptly.
We may restrict or suspend account access where we reasonably believe that an account has been compromised or is being used improperly.
If you qualify for a revolving credit facility, an available credit limit may be associated with your account.
The credit limit is not necessarily fixed and may be reviewed or adjusted according to applicable eligibility criteria and the policies of the relevant financial service provider.
You may use available credit only within the amount currently accessible to you and subject to the conditions applicable to your account.
The amount of available credit may differ from the original amount displayed or previously available.
One of the principal characteristics of the Hyper Credit service is its revolving nature.
When you utilize part of your available credit and subsequently make the required repayment, the amount repaid may become available for future use.
However, repayment does not automatically guarantee that the same amount will immediately become available again.
Future availability may depend on factors such as:
The availability of credit may change at any time in accordance with applicable terms and eligibility requirements.
A previous approval, available limit, or successful use of the service does not create a permanent entitlement to the same credit availability.
We may restrict, reduce, suspend, or discontinue access where permitted by applicable terms or where necessary for security, compliance, risk management, account protection, or other legitimate purposes.
You agree to provide accurate information when using Hyper Credit.
Information may be required for identity verification, account security, eligibility assessment, credit servicing, fraud prevention, or compliance purposes.
You must not knowingly submit:
We may conduct additional verification if information appears incomplete, inconsistent, or suspicious.
Some Hyper Credit functions may require permissions such as camera, location, or SMS access.
These permissions are intended to support specific application functions and may be subject to your device settings and applicable consent requirements.
You may refuse or withdraw certain permissions through your device settings, although doing so may affect the operation of features that depend on the relevant permission.
The processing of information obtained through permissions is further described in our Privacy Policy.
Information associated with your account may be used to support assessment and administration of the revolving credit service.
Depending on the applicable service, information may include details concerning income, financial activity, credit history, account activity, previous utilization, and repayment behavior.
The relevant financial service provider may use such information in accordance with its own eligibility and risk-assessment requirements.
You understand that providing information does not guarantee that a credit facility will be made available.
If you utilize credit made available through the service, you are responsible for meeting the repayment obligations associated with the applicable facility.
Repayment amounts, due dates, applicable charges, and other financial conditions will be governed by the terms applicable to the relevant credit facility.
You should review the information displayed in your account and any applicable financial documentation carefully.
Failure to make required repayments on time may affect your account status, future credit availability, and other rights or services associated with the facility.
You are responsible for ensuring that information provided for payment or repayment purposes is accurate.
Where applicable, payments may be processed through authorized payment providers or financial institutions.
We are not responsible for delays caused by circumstances outside our reasonable control, including failures of banks, payment networks, telecommunications systems, or other external infrastructure.
You must use Hyper Credit only for lawful and legitimate purposes.
You must not:
We may take appropriate action if prohibited activity is detected or reasonably suspected.
We may temporarily restrict, suspend, or terminate access to Hyper Credit where reasonably necessary.
Possible reasons may include:
Where appropriate and legally permitted, we may notify you of material restrictions affecting your account.
We aim to keep Hyper Credit available and functional, but continuous availability cannot be guaranteed.
The application may occasionally be unavailable because of:
Temporary interruption does not necessarily constitute a breach of these Terms.
The Hyper Credit application, including its software, interface, designs, logos, trademarks, text, graphics, databases, and other original content, is owned by or licensed to STACKFIN TECHNOLOGY PRIVATE LIMITED or its applicable licensors.
Subject to these Terms, you receive a limited, personal, non-exclusive, non-transferable right to use the application for its intended purpose.
You may not reproduce, redistribute, modify, sell, license, reverse engineer, or commercially exploit any part of the application without appropriate authorization.
Hyper Credit may interact with third-party services, financial institutions, payment providers, verification providers, technology providers, or other external systems.
Those third parties may have their own terms, policies, and procedures.
We are not responsible for independent services operated by third parties, including temporary outages or changes to their systems, except where responsibility is imposed by applicable law.
By using Hyper Credit, you agree that we may send service-related communications using the contact information associated with your account.
These communications may concern:
You should ensure that your registered contact information remains accurate.
Your use of Hyper Credit is also governed by our Privacy Policy.
The Privacy Policy explains the types of information that may be collected, the purposes for which information may be processed, information-sharing practices, security measures, retention, and applicable user choices.
By using the application, you acknowledge that you have reviewed the Privacy Policy.
We may modify, enhance, replace, suspend, or discontinue certain features of Hyper Credit from time to time.
Changes may be necessary because of technology developments, security requirements, business decisions, legal requirements, regulatory expectations, or changes to relationships with financial service providers.
Where appropriate, we may provide notice of significant changes through the application or other suitable communication channels.
These Terms may be updated periodically.
When changes are made, the updated version will indicate a new effective or revision date.
If a material change requires additional notice under applicable law, we may provide such notice through the application, website, email, or another appropriate method.
Your continued use of Hyper Credit after the revised Terms become effective may constitute acceptance of the updated Terms to the extent permitted by law.
Hyper Credit does not guarantee that:
Credit availability is subject to applicable eligibility requirements and the conditions determined by the relevant financial service provider.
You are responsible for reviewing information displayed in your account and understanding the conditions applicable to any credit facility you use.
You should keep your account information secure and promptly notify us of suspected unauthorized activity.
You are also responsible for ensuring that your use of Hyper Credit complies with applicable laws and these Terms.
To the extent permitted by applicable law, STACKFIN TECHNOLOGY PRIVATE LIMITED will not be responsible for losses arising solely from circumstances outside our reasonable control, including third-party network failures, payment-system interruptions, telecommunications problems, device failures, or temporary unavailability of external services.
Nothing in these Terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.
To the extent permitted by applicable law, you agree to be responsible for losses, claims, liabilities, costs, or expenses resulting from your misuse of Hyper Credit, violation of these Terms, fraudulent activity, or submission of inaccurate or unauthorized information.
This provision does not apply to the extent that such responsibility cannot legally be imposed.
These Terms shall be interpreted in accordance with the laws applicable in India.
Any dispute concerning the use of Hyper Credit or these Terms shall be handled in accordance with applicable Indian law and the jurisdiction of the competent courts or authorities, subject to any mandatory legal requirements.
If you have questions about Hyper Credit, these Terms, your account, or the services available through the application, you may contact us using the information below.
STACKFIN TECHNOLOGY PRIVATE LIMITED
Application: Hyper Credit
Email: help@stackfin.cc
Registered Address:
SAROJANIL VATIKA, BANK COLONY, GOSAIDIH, BHUIPHORe,
DHANBAD, Jharkhand, India – 828109
By downloading, registering for, accessing, or using Hyper Credit, you confirm that you have read and understood these Terms and agree to comply with them.
If you do not accept these Terms, you should discontinue your use of the application.