# CREDIT BAZAR — TERMS & CONDITIONS
Version: CB-TC-1.0

Credit Bazar is a loan referral and facilitation platform operated by
Indokona Credit Bazar Private Limited. Credit Bazar is not itself a bank,
NBFC, lender, financial institution or funding provider merely by using this
platform.

1. Referral nature
Credit Bazar may collect information and documents from a customer for the
purpose of referring the enquiry/file to an appropriate third-party DSA,
agent, intermediary, bank, NBFC or other authorised lending channel, subject
to the applicable relationship and process.

2. No loan guarantee
Submission of an enquiry, acceptance for processing, review, recommendation,
or referral does not constitute approval, sanction, commitment, disbursal or
promise of a loan.

3. Eligibility and lender policy
Loan eligibility, interest rate, tenure, security/collateral requirements,
documentation, approval, sanction and disbursal are determined by the
relevant lender/financial institution and its applicable policies, assessment
and regulatory requirements.

4. No funding by Credit Bazar
Credit Bazar does not undertake to fund a customer's loan from its own funds
through this platform.

5. Third-party transactions and token/property payments
Customers may independently enter into property, booking, token, advance,
purchase, sale or other transactions. If a loan is later not approved,
delayed, reduced, or otherwise not processed, any loss, forfeiture, dispute,
penalty or commercial consequence arising from an independent transaction is
not automatically attributable to Credit Bazar. Customers must independently
verify the transaction terms and should not make a payment solely on the
assumption that a loan will be approved.

6. No guarantee against financial loss
Credit Bazar does not guarantee that a customer will avoid any financial,
commercial, contractual or opportunity loss arising from a third-party
transaction or a lender's decision.

7. Customer information
The customer must provide accurate, complete and current information.
Providing false, misleading, forged, manipulated or incomplete information or
documents may result in rejection, suspension or referral of the matter to
the appropriate authority where legally required.

8. Third-party DSA/agent channel
Where an enquiry is routed through a third-party DSA, agent or intermediary,
that party may have its own eligibility, process and documentation
requirements. Credit Bazar does not represent every third party as its
employee or lender.

9. Changes in lending decision
A lender or intermediary may change, reject, hold, or discontinue a case
based on verification, policy, risk assessment, documentation, valuation,
legal checks, income assessment, credit assessment or other requirements.

10. Customer responsibility
Customers should independently verify property title, agreements, token or
advance terms, receipts, refund clauses and other commercial conditions before
making payments or signing third-party documents.

11. No circumvention of law
Nothing in these terms is intended to exclude rights or liabilities that
cannot lawfully be excluded or to restrict any remedy available under
applicable law.

12. Consent
By accepting these terms, the customer confirms that they have read and
understood the referral nature of the platform and the above declarations.

This document should be legally reviewed and approved for the final
production deployment.