Terms of Use

1. Acceptance of Terms

By accessing or using the Naxelona platform (“Site”, “Services”), you agree to be bound by these Terms of Use. If you do not agree to all terms, you may not access or use the platform.

2. Marketplace & Non-Lender Status

Naxelona operates as a digital technology marketplace and recommendation engine. Naxelona is not a bank, Non-Banking Financial Company (NBFC), or financial institution. We do not issue loans, extend credit, issue credit cards, or accept public deposits directly.

All credit product approvals, interest rate assignments, card issuance, and loan disbursals are governed solely by the respective partner bank or licensed lender's credit policy and underwriting criteria.

3. Accuracy of Solvers & Soft Enquiries

Match scores, estimated FOIR capacities, reward point calculations, and indicative EMIs displayed on Naxelona are generated deterministically based on information provided by you and published lender schedules. Checking your eligibility on Naxelona involves a soft bureau check which does not impact your credit score.

4. User Account Obligations

You agree to provide accurate, truthful, and complete information during registration and eligibility checks. You are responsible for maintaining the confidentiality of your authentication OTPs and session tokens.

5. Intellectual Property Rights

All content, match algorithms, UI primitives, brand marks, and software code on the Naxelona platform are the intellectual property of Naxelona Technologies Pvt. Ltd. and protected under Indian copyright and trademark laws.

6. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the courts located in Bengaluru, Karnataka.