Terms & Conditions

1. Introduction

These Terms & Conditions govern the use of CampusCredit® education finance services provided by Matriye Software Pvt. Ltd. (CIN: U72900MH2020PTC123456), registered in Maharashtra, India. By applying for or using CampusCredit® services, you agree to be bound by these terms.

2. Service Description

CampusCredit® is a financial product facilitation platform. Matriye Software Pvt. Ltd. acts as a financial intermediary connecting applicants with registered Non-Banking Financial Companies (NBFCs) and lenders for education fee financing. Matriye Software Pvt. Ltd. is not a direct lender.

3. Eligibility Criteria

Applicants must be: (a) Indian citizens aged 18 years or above; (b) enrolled or seeking admission in a recognized educational institution; (c) meeting minimum income criteria set by partner lenders (typically ₹15,000/month or co-applicant income); (d) having a valid Aadhaar card and PAN card. Final eligibility is determined solely by the partner NBFC/lender.

4. EMI & Interest Rates

Interest rates range from 0% to 18% per annum based on applicant profile, loan amount, and tenure. Rates are set by partner lenders. CampusCredit® displays indicative rates. The actual rate shall be specified in your loan agreement with the lender. EMI starting from ₹999/month is indicative for the minimum loan amount of ₹10,000.

5. Application & KYC Process

Applicants must submit accurate personal, income, and educational documents. False information may result in rejection and potential legal action. KYC verification requires original Aadhaar and PAN. All data is processed as per applicable RBI and data protection guidelines.

6. Disbursement

Upon loan approval by the partner NBFC, funds are disbursed directly to the university/institution fee account. CampusCredit® does not disburse funds directly to students. Processing time is typically 24–72 hours after KYC completion.

7. Repayment

EMI repayments are collected by the partner NBFC/lender via NACH/ECS mandate. Non-payment may result in credit bureau reporting, late fees, and legal action as per the lender's policy. CampusCredit® is not responsible for collection or recovery.

8. No Platform Fees

CampusCredit does not charge any application fee, priority fee, booking fee, processing fee, or service fee to students. CampusCredit provides free student finance assistance and guidance. We do not charge users for checking eligibility or submitting finance enquiries through our platform. Finance products, if approved, are provided by third-party regulated NBFC/Bank partners subject to their own disclosed terms.

9. Data Privacy

By applying, you consent to sharing your data with partner NBFCs, credit bureaus, and regulatory bodies as required by law. Your data is processed per our Privacy Policy. We use 256-bit SSL encryption and follow ISO 27001 security standards.

10. Disclaimer

CampusCredit® does not guarantee loan approval. Loan sanction is at the sole discretion of partner lenders. CampusCredit® is not liable for lender decisions, interest rate changes, or disbursement delays beyond our control.

11. Grievances

For grievances, contact: grievance@cosmosiq.in within 30 days of the issue. Unresolved complaints may be escalated to the relevant NBFC's grievance officer or the RBI Ombudsman.

12. Governing Law

These terms are governed by the laws of India. Disputes shall be subject to the exclusive jurisdiction of courts in Pune, Maharashtra.

For the complete loan agreement terms, refer to the document provided by your assigned NBFC partner at the time of sanction.