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Terms and Conditions

Last updated: September 2026

1. Binding Agreement & Service Authorization

This digital document constitutes a legally enforceable contract executed between you and Haveri VahanCredit, governing your access to and usage of the Haveri VahanCredit mobile application and auto loan products. By downloading, installing, registering, or interacting with any feature of the platform, you express your unreserved assent to these Terms and Conditions. Formulated pursuant to the Information Technology Act, 2000, and the Indian Contract Act, 1872, this digital record requires no physical signatures to maintain legal enforceability. If you do not consent to any segment of these mandates, you must instantly remove the application and discontinue service usage.

2. Eligibility Criteria & Profile Authentication

Applicants seeking qualification for an auto loan facility via Haveri VahanCredit must satisfy the following preconditions:

  • Legal Residency: You must be a resident citizen of the Republic of India holding valid official government identification, including a PAN card and Aadhaar.
  • Age & Legal Capacity: You must be at least 18 years of age and fully competent to enter into binding financial contracts under applicable Indian law.
  • Accuracy of Disclosures: All submitted personal profile details, employment disclosures, vehicle ownership records, and financial statements must be truthful, exact, and complete.
  • Fraud Prohibition: Submitting deceptive documentation, identity theft, or misrepresenting facts will result in immediate profile deactivation and potential referral to law enforcement agencies under Indian penal statutes.

3. Account Security & User Conduct Mandates

You remain solely responsible for safeguarding your login credentials, including One-Time Passwords (OTPs), access pins, and personal keys. Any transaction or action conducted under your authenticated profile is conclusively deemed executed by you directly. Users are explicitly restricted from the following actions:

  • Decompiling, reverse engineering, disassembling, or extracting the source code and algorithms behind Haveri VahanCredit.
  • Deploying automated scripts, bots, scrapers, or unauthorized software tools to pull data from our systems or servers.
  • Breaching network protocols, attempting cyberattacks, or compromising the digital infrastructure supporting the application.
  • Utilizing disbursed auto loan funds for unlawful activities, money laundering schemes, or illegitimate practices.

4. Intellectual Property & Data Processing Rights

All technical architecture, proprietary source code, interface designs, graphic elements, trademarks, and underwriting algorithms powering Haveri VahanCredit are the exclusive intellectual property of the platform operator, protected under Indian copyright and trademark laws. You are granted a limited, revocable, non-exclusive, non-transferable license to access the application solely for personal auto loan management.

While you retain ownership over your personal data, you grant us a royalty-free, worldwide license to process, evaluate, and store your submitted information to deliver financing services, uphold statutory compliance, and optimize our credit risk frameworks.

5. Disclaimer of Warranties & Limitation of Liability

Haveri VahanCredit is delivered strictly on an "as-is" and "as-available" basis without representations or warranties of any kind, whether express or implied. We do not promise uninterrupted uptime, error-free operations, or mandatory approval of auto loan applications. Credit approvals, approved loan parameters, and fee structures are evaluated dynamically based on credit risk models.

To the maximum extent permitted under Indian jurisprudence, Haveri VahanCredit and its affiliates disclaim liability for any indirect, incidental, consequential, or special damages arising from application usage or service interruptions.

6. Amendments & Dispute Jurisdiction

We reserve the right to alter or update these Terms and Conditions at any time to align with legislative updates, business developments, or technical modifications. Updated terms become effective immediately upon being published on our official portal. Your continued engagement with Haveri VahanCredit signifies your complete acknowledgement and consent to the updated terms.

This agreement is governed by the statutory laws of the Republic of India. Any disputes or claims arising out of or connected to these terms shall be submitted exclusively to competent courts in India.

7. Corporate Information & Official Support