Terms and Conditions
Last updated: May 2026
Please read these Terms and Conditions carefully before using credit.letsthinkwise.com (the “Site”), operated by LetsThinkWise (“we,” “us,” or “our”).
Agreement to Terms
By accessing or using this Site, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use the Site.
Eligibility
You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you meet this age requirement.
Use of the Site
You agree to use the Site only for lawful purposes. You may not:
- Use the Site in any way that violates applicable laws or regulations
- Attempt to gain unauthorised access to any part of the Site or its systems
- Reproduce, distribute, or create derivative works from our content without written permission
- Use automated tools to scrape, crawl, or extract content from the Site
- Impersonate LetsThinkWise or misrepresent your affiliation with us
Content Ownership
All content on this Site — including text, graphics, logos, images, and software — is the property of LetsThinkWise or its content licensors and is protected under applicable intellectual property laws. You may not reproduce, modify, or distribute our content without prior written consent.
Affiliate Links
This Site contains affiliate links to third-party financial products. Commercial relationships are described in our Affiliate Disclosure. These links are clearly identified and carry appropriate attributes. For full details, see our Affiliate Disclosure.
Disclaimer of Warranties
The Site and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We do not guarantee the accuracy or completeness of any information, including product details, fees, interest rates, and eligibility criteria.
Limitation of Liability
To the fullest extent permitted by law, LetsThinkWise shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site, reliance on any information provided, or any actions taken based on our content. This includes, without limitation, any financial losses resulting from credit or loan decisions.
Indemnification
You agree to indemnify and hold harmless LetsThinkWise, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Site or violation of these Terms.
Third-Party Links
The Site contains links to third-party websites, including bank and NBFC websites. We are not responsible for the content, privacy practices, or terms of these external sites. Accessing third-party links is at your own risk.
Privacy
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your data.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts in Ahmedabad, Gujarat, India.
Changes to These Terms
We reserve the right to update these Terms at any time. The “Last updated” date at the top of this page indicates the most recent revision. Continued use of the Site after changes constitutes acceptance of the updated Terms.
Contact
For questions about these Terms and Conditions, contact us at contact@letsthinkwise.com.