Please read these Terms and Conditions carefully before using the A-Polo CrediCalc application and website.
Last Updated: February 17, 2026
Welcome to A-Polo CrediCalc ("App," "Application," "Platform," "we," "us," or "our"). These Terms and Conditions ("Terms," "Terms of Service," "Terms and Conditions," or "Agreement") constitute a legally binding agreement between you ("User," "you," "your," or "yourself") and A-Polo CrediCalc, governing your access to and use of the A-Polo CrediCalc mobile application, available for download on the Google Play Store at https://play.google.com/store/apps/details?id=com.apololoancredi.calcredit, and any associated website, tools, features, content, and services (collectively, the "Services").
By downloading, installing, accessing, or using the A-Polo CrediCalc application or any of its Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree with any part of these Terms, you must immediately cease using the Platform and uninstall the Application from your device. Your continued use of the Platform after any modifications to these Terms shall constitute your acceptance of such modified Terms.
These Terms and Conditions shall be read in conjunction with our Privacy Policy, Disclaimer, and any other policies or guidelines that may be published on the Platform from time to time. All such policies and guidelines are hereby incorporated by reference into these Terms. In the event of any conflict between these Terms and any other policy published on the Platform, these Terms shall prevail to the extent of such conflict, unless expressly stated otherwise in the specific policy.
We reserve the right, at our sole and absolute discretion, to modify, amend, supplement, or replace these Terms at any time without prior notice to you. It is your responsibility to review these Terms periodically for any changes. The "Last Updated" date at the top of this page indicates when these Terms were last revised. By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, in whole or in part, you must stop using the Platform and the Services immediately.
For the purposes of these Terms and Conditions, the following words and expressions shall have the meanings assigned to them below, unless the context otherwise requires. These definitions apply equally to both the singular and plural forms of the terms defined herein:
"Platform" refers to the A-Polo CrediCalc mobile application, the associated website, and any other digital medium through which the Services are provided to Users. This includes, but is not limited to, the Android application distributed through the Google Play Store, any future iOS application, web application, progressive web app (PWA), application programming interfaces (APIs), and any other software, tools, or technology used to deliver the Services.
"User" or "you" refers to any individual, entity, or organization that accesses, downloads, installs, browses, or uses the Platform or any of its Services in any manner whatsoever. This includes registered users, guest users, visitors, and any person who interacts with the Platform directly or indirectly, whether through a mobile device, desktop computer, tablet, or any other electronic device.
"Services" refers to all the functionalities, tools, features, calculators, content, information, and any other offerings provided through the Platform. This includes, but is not limited to, EMI calculations, comparisons, amortization schedule generation, interest rate computations, eligibility assessments, financial planning tools, and any other features that may be introduced on the Platform from time to time.
"Content" means all text, graphics, images, illustrations, icons, photographs, video clips, audio clips, data compilations, software, designs, logos, trademarks, trade names, service marks, user interfaces, visual interfaces, information, and any other material or content displayed on, available through, or forming part of the Platform, whether created by us, our affiliates, our licensors, or Users of the Platform.
"Calculator" refers to any computational tool, algorithm, formula, or feature provided on the Platform that enables Users to perform financial calculations. This includes, but is not limited to, the EMI Calculator, Interest Rate Calculator, Amortization Schedule Generator, Eligibility Calculator, Comparison Tool, and any other calculation tools that may be introduced on the Platform.
"EMI" or "Equated Monthly Installment" refers to a fixed payment amount made by a borrower to a lender at a specified date each calendar month. EMIs are used to pay off both the principal and interest over a specified period, ensuring that the amount is fully repaid by the end of the tenure. The EMI amount depends on the principal amount, the interest rate, and the tenure.
"Personal Data" means any information that relates to an identified or identifiable natural person, including but not limited to name, email address, phone number, device identifiers, IP address, location data, usage data, and any other information that can be used to directly or indirectly identify an individual, as defined under applicable data protection laws, including the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023, as applicable.
"Third-Party Services" means any websites, applications, platforms, services, products, or content that are not owned, operated, or controlled by A-Polo CrediCalc, but which may be accessible through links, integrations, advertisements, or references on the Platform.
By accessing and using the A-Polo CrediCalc Platform, you represent and warrant that you are at least eighteen (18) years of age, or the age of legal majority in your jurisdiction, whichever is higher. If you are under the age of eighteen (18) years, you may only use the Platform under the supervision of a parent or legal guardian who agrees to be bound by these Terms and Conditions. We do not knowingly collect personal information from children under the age of eighteen (18) without parental or guardian consent.
You further represent and warrant that you have the legal capacity and authority to enter into a binding agreement under applicable laws of your jurisdiction. If you are accessing or using the Platform on behalf of a company, organization, partnership, or any other legal entity, you represent and warrant that you are authorized to bind such entity to these Terms, and references to "you" or "User" herein shall include such entity. If you do not have such authority, or if you do not agree with these Terms, you must not accept these Terms and must not use the Platform.
You further represent and warrant that you are not barred from using the Platform under any applicable law, regulation, or order. You shall not use the Platform if you are located in, or are a resident or national of, any country that is subject to economic sanctions, export controls, or trade embargoes imposed by the Government of India or any other applicable governmental authority. We reserve the right to refuse access to the Platform or terminate your access at any time if we have reasonable grounds to believe that you do not meet the eligibility requirements set forth in this section, or if your use of the Platform violates any applicable law, regulation, or these Terms.
While certain features of the A-Polo CrediCalc Platform may be accessible without registration, we may, at our discretion, require you to create a user account ("Account") to access specific features, functionalities, or Services offered through the Platform. If registration is required, you agree to provide accurate, current, and complete information during the registration process and to update such information as necessary to keep it accurate, current, and complete. You acknowledge that providing false, inaccurate, outdated, or incomplete information may result in the suspension or termination of your Account and your ability to use the Platform.
You are solely responsible for maintaining the confidentiality of your Account credentials, including your username, password, and any other security information associated with your Account. You agree to immediately notify us at support@apololoan.com of any unauthorized use of your Account, any breach of security, or any other suspicious activity related to your Account. You shall be solely responsible for all activities that occur under your Account, whether or not authorized by you, and A-Polo CrediCalc shall not be liable for any loss or damage arising from your failure to maintain the security of your Account credentials.
We reserve the right to suspend, deactivate, or delete your Account at any time, with or without notice, for any reason, including but not limited to: (a) violation of these Terms and Conditions; (b) engaging in fraudulent, illegal, or unauthorized activities; (c) providing false or misleading information during registration; (d) inactivity for an extended period; (e) upon your request for account deletion; or (f) at our sole discretion for any other reason. Upon termination or deletion of your Account, your right to access and use the Platform shall immediately cease, and we may delete any data, content, or information associated with your Account, subject to our data retention obligations under applicable law.
A-Polo CrediCalc provides a suite of financial calculation tools and informational resources designed to assist Users in making informed decisions regarding EMIs, interest rates, and related financial matters. The core Services offered through the Platform include, but are not limited to: EMI Calculator for various types (home, personal, car, education, business, gold, and credit card EMIs), Interest Rate Calculator, Amortization Schedule Generator, Eligibility Calculator, Comparison Tool, and various other financial planning and calculation utilities.
The calculations, results, estimates, and information provided by the Platform are intended for general informational and educational purposes only. They are based on standard mathematical and financial formulas commonly used by banks, non-banking financial companies (NBFCs), and other financial institutions in India and globally. However, you acknowledge and agree that the actual terms, conditions, interest rates, fees, charges, and other parameters offered by financial institutions may vary and may differ from the results provided by our Calculators. The Platform does not guarantee the accuracy, completeness, or reliability of any calculation results, and such results should not be construed as financial advice, investment advice, lending advice, or any form of professional recommendation.
A-Polo CrediCalc is a standalone calculator application and does not offer, provide, facilitate, or arrange any financial products, credit facilities, investments, or banking services. We are not a bank, non-banking financial company, financial institution, credit intermediary, or financial advisor. We do not process applications, disburse funds, collect repayments, or engage in any lending or borrowing activities. Users are strongly advised to consult with qualified financial professionals, chartered accountants, tax advisors, or legal counsel before making any financial decisions based on the information or calculations provided by the Platform.
We reserve the right to modify, update, enhance, suspend, discontinue, or remove any features, functionalities, tools, or Services offered on the Platform at any time, with or without notice, and without any liability to you. We shall make reasonable efforts to ensure the availability and functionality of the Platform but do not guarantee uninterrupted, error-free, or continuous access to the Services. The Platform may be subject to scheduled maintenance, updates, or unforeseen technical issues that may temporarily affect its availability or performance.
You agree to use the A-Polo CrediCalc Platform solely for lawful purposes and in compliance with these Terms, all applicable laws, rules, regulations, and ordinances in force in the Republic of India and your jurisdiction. You shall use the Platform only for its intended purpose, which is to perform financial calculations, access financial information, and utilize the tools and features provided by the Platform for personal, non-commercial use, unless otherwise expressly authorized by us in writing.
You agree that you shall not, and shall not permit any third party to, engage in any of the following prohibited activities in connection with your use of the Platform:
(a) Use the Platform in any manner that could damage, disable, overburden, impair, or interfere with the servers, networks, or infrastructure of the Platform, or interfere with any other party's use and enjoyment of the Platform; (b) Attempt to gain unauthorized access to any part of the Platform, other user accounts, computer systems, or networks connected to the Platform through hacking, password mining, brute force attacks, or any other unauthorized means; (c) Use any robot, spider, scraper, crawler, automated device, or manual process to monitor, mine, extract, copy, or download any Content or data from the Platform without our prior written consent; (d) Introduce any viruses, trojan horses, worms, logic bombs, malware, spyware, ransomware, or other harmful or technologically damaging material to the Platform or its associated systems.
(e) Reverse engineer, decompile, disassemble, decrypt, or otherwise attempt to derive the source code, algorithms, or underlying structure of any software, technology, or functionality used in the Platform; (f) Reproduce, duplicate, copy, sell, resell, license, sublicense, distribute, or exploit any portion of the Platform or its Content for any commercial purpose without our express prior written consent; (g) Use the Platform to transmit, distribute, or store material that is unlawful, defamatory, obscene, threatening, harassing, abusive, invasive of another's privacy, hateful, racially or ethnically objectionable, or otherwise objectionable; (h) Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity; (i) Use the Platform for any fraudulent, illegal, or unauthorized purpose, including but not limited to money laundering, tax evasion, identity theft, or any activity that violates applicable anti-corruption laws.
You shall comply with all applicable local, state, national, and international laws, regulations, and rules while using the Platform, including but not limited to the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Digital Personal Data Protection Act, 2023, the Indian Penal Code, 1860, the Prevention of Money Laundering Act, 2002, the Consumer Protection Act, 2019, and any other legislation, regulation, or guideline as may be applicable. You acknowledge that any violation of applicable laws may subject you to civil and/or criminal penalties, and we reserve the right to report any suspected illegal activity to the appropriate law enforcement authorities.
We reserve the right, but are not obligated, to monitor your use of the Platform for compliance with these Terms. We may investigate any suspected violation of these Terms and take appropriate action, including but not limited to issuing warnings, suspending or terminating your access to the Platform, removing offending content, and/or cooperating with law enforcement authorities. Any failure on our part to enforce any provision of these Terms shall not be construed as a waiver of our right to enforce such provision at a later time.
All intellectual property rights in and to the A-Polo CrediCalc Platform, including but not limited to all Content, software, source code, object code, algorithms, databases, functionality, designs, user interfaces, visual interfaces, text, graphics, images, photographs, illustrations, icons, logos, trademarks, trade names, service marks, trade dress, audio clips, video clips, data compilations, page layouts, and the overall look and feel of the Platform, are and shall remain the exclusive property of A-Polo CrediCalc and/or its licensors, and are protected by applicable intellectual property laws, including but not limited to the Copyright Act, 1957, the Trade Marks Act, 1999, the Patents Act, 1970, the Designs Act, 2000, and the Information Technology Act, 2000, as well as international intellectual property treaties and conventions.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and its Services solely for your personal, non-commercial purposes. This license does not include any right to: (a) modify, copy, reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, or sell any Content, software, products, or Services obtained from the Platform; (b) use any data mining, robots, scraping, or similar data gathering or extraction methods on the Platform; (c) use the Platform or any Content for any commercial purpose or for the benefit of any third party; (d) frame or mirror any portion of the Platform on any other website, application, or medium; or (e) use meta tags or any other hidden text or metadata utilizing our trademarks, logos, URLs, or product names without our express written consent.
The A-Polo CrediCalc name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of A-Polo CrediCalc or its affiliates and licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans appearing on the Platform are the trademarks of their respective owners. No license or right is granted to you by implication, estoppel, or otherwise in or under any patent, trademark, copyright, or other proprietary right of A-Polo CrediCalc or any third party. Any unauthorized use of the intellectual property belonging to A-Polo CrediCalc or its licensors may violate copyright laws, trademark laws, privacy and publicity laws, and other applicable laws, and may result in civil and/or criminal penalties.
The Platform may, from time to time, provide features that allow Users to submit, upload, post, transmit, share, or otherwise make available certain content, including but not limited to reviews, ratings, feedback, comments, suggestions, ideas, recommendations, questions, or other information (collectively, "User Content"). You retain ownership of your User Content; however, by submitting User Content to the Platform, you hereby grant A-Polo CrediCalc a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, display, and perform such User Content in any media, format, or channel now known or hereafter devised, for any purpose, including but not limited to marketing, advertising, promotional, and operational purposes.
You represent and warrant that: (a) you own or have the necessary licenses, rights, consents, and permissions to submit the User Content and to grant the license set forth above; (b) the User Content does not and shall not infringe, misappropriate, or violate any intellectual property right, proprietary right, privacy right, publicity right, or any other right of any third party; (c) the User Content does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable; (d) the User Content does not contain any viruses, malware, or other harmful code; and (e) the User Content complies with all applicable laws, rules, and regulations.
We do not endorse, guarantee, or assume responsibility for any User Content posted on or through the Platform. We reserve the right, but have no obligation, to review, monitor, edit, remove, or delete any User Content at our sole discretion, for any reason or for no reason, including but not limited to User Content that we determine, in our sole judgment, violates these Terms, is objectionable, or may expose A-Polo CrediCalc or its Users to harm or liability. Any unsolicited ideas, suggestions, proposals, plans, or other materials submitted to us ("Unsolicited Submissions") shall be deemed non-confidential and non-proprietary, and we shall be free to use, reproduce, distribute, and exploit such Unsolicited Submissions for any purpose without acknowledgment, compensation, or obligation of any kind to you.
THE A-POLO CREDICALC PLATFORM, INCLUDING ALL CONTENT, SERVICES, FEATURES, TOOLS, CALCULATORS, AND INFORMATION AVAILABLE THROUGH THE PLATFORM, IS PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, A-POLO CREDICALC HEREBY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, AND QUALITY.
WITHOUT LIMITING THE FOREGOING, A-POLO CREDICALC DOES NOT WARRANT OR REPRESENT THAT: (A) THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE FROM VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS; (B) THE RESULTS OBTAINED FROM THE USE OF THE PLATFORM, INCLUDING ANY CALCULATOR RESULTS, EMI ESTIMATES, INTEREST RATE COMPUTATIONS, AMORTIZATION SCHEDULES, OR ELIGIBILITY ASSESSMENTS, WILL BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; (C) THE PLATFORM WILL MEET YOUR REQUIREMENTS, EXPECTATIONS, OR NEEDS; (D) ANY ERRORS OR DEFECTS IN THE PLATFORM WILL BE CORRECTED; (E) THE PLATFORM OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE FROM VIRUSES, TROJANS, WORMS, OR OTHER HARMFUL COMPONENTS; OR (F) ANY INFORMATION OR CONTENT OBTAINED THROUGH THE PLATFORM IS SUITABLE FOR YOUR SPECIFIC FINANCIAL SITUATION OR CIRCUMSTANCES.
You expressly acknowledge and agree that your use of the Platform is entirely at your own risk. The calculation results, financial information, estimates, comparisons, and any other output generated by the Platform are intended solely for general informational and educational purposes. They do not constitute and shall not be construed as financial advice, investment advice, tax advice, legal advice, lending advice, or any other form of professional advice or recommendation. The actual terms, interest rates, fees, charges, EMI amounts, and other parameters applicable to any financial product may differ significantly from the estimates provided by the Platform. You should always verify any calculation results with the relevant financial institution or a qualified financial professional before making any financial decisions.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL A-POLO CREDICALC, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, AFFILIATES, SUBSIDIARIES, PARTNERS, LICENSORS, OR SERVICE PROVIDERS (COLLECTIVELY, THE "A-POLO PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR MULTIPLIED DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF BUSINESS OPPORTUNITY, BUSINESS INTERRUPTION, OR LOSS OF USE, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE PLATFORM OR ANY CONTENT, SERVICES, OR INFORMATION AVAILABLE THROUGH THE PLATFORM, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF THE A-POLO PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING THE FOREGOING, THE TOTAL AGGREGATE LIABILITY OF THE A-POLO PARTIES ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO A-POLO CREDICALC, IF ANY, IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED INDIAN RUPEES (INR 100). THIS LIMITATION APPLIES REGARDLESS OF THE FORM OF ACTION OR THEORY OF LIABILITY, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
Some jurisdictions do not allow the exclusion or limitation of incidental, consequential, or certain other types of damages, so some of the above limitations and exclusions may not apply to you. In such jurisdictions, the liability of the A-Polo Parties shall be limited to the maximum extent permitted by applicable law. You acknowledge that the limitations of liability set forth in this section are fundamental elements of the bargain between you and A-Polo CrediCalc, and that A-Polo CrediCalc would not provide the Platform or the Services to you without such limitations. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy and to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless A-Polo CrediCalc, its directors, officers, employees, agents, contractors, affiliates, subsidiaries, partners, licensors, and service providers (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including but not limited to reasonable attorneys' fees, court costs, and expert witness fees) arising out of or in connection with: (a) your access to or use of the Platform or any of its Services; (b) your violation or breach of any provision of these Terms and Conditions; (c) your violation of any applicable law, rule, regulation, or order; (d) your violation or infringement of any intellectual property right, proprietary right, privacy right, publicity right, or any other right of any third party; (e) any User Content you submit, post, transmit, or make available through the Platform; (f) any misrepresentation made by you; or (g) any negligence, misconduct, or willful act on your part.
A-Polo CrediCalc reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify the Indemnified Parties, and you agree to cooperate with our defense of such claims. You shall not settle any claim, action, or proceeding subject to this indemnification without the prior written consent of A-Polo CrediCalc. Your indemnification obligations under this section shall survive the termination or expiration of these Terms and your use of the Platform.
The Indemnified Parties shall promptly notify you of any claim for which indemnification is sought under this section; provided, however, that the failure to provide such notice shall not relieve you of your indemnification obligations hereunder, except to the extent that such failure materially prejudices your ability to defend such claim. You acknowledge that your indemnification obligations constitute a material consideration for A-Polo CrediCalc providing you with access to the Platform and the Services.
The A-Polo CrediCalc Platform may contain links, references, or integrations to third-party websites, applications, services, content, products, advertisements, or resources ("Third-Party Services") that are not owned, operated, or controlled by A-Polo CrediCalc. These Third-Party Services may include, but are not limited to, websites of banks, financial institutions, non-banking financial companies (NBFCs), insurance companies, advertising networks, analytics providers, and other third-party service providers. The inclusion of any link or reference to a Third-Party Service on the Platform does not imply our endorsement, approval, sponsorship, affiliation, or recommendation of such Third-Party Service or any information, products, or services offered therein.
You acknowledge and agree that A-Polo CrediCalc has no control over, and assumes no responsibility or liability for, the content, privacy policies, terms of service, practices, availability, accuracy, legality, or conduct of any Third-Party Services. Your access to and use of any Third-Party Service is entirely at your own risk and is subject to the terms and conditions and privacy policies of such Third-Party Service. We strongly encourage you to review the terms of service, privacy policy, and other legal documents of any Third-Party Service before you provide any personal information to or through such service, or before you engage in any transaction or interaction with such service.
A-Polo CrediCalc shall not be liable for any loss, damage, claim, or expense of any kind arising out of or in connection with your access to, use of, or reliance on any Third-Party Service, including but not limited to any loss or damage resulting from: (a) the accuracy, completeness, or reliability of any content or information provided by the Third-Party Service; (b) the products, services, or practices of the Third-Party Service; (c) any transaction or interaction between you and the Third-Party Service; (d) any data breach, security incident, or unauthorized access involving the Third-Party Service; or (e) the availability, performance, or interruption of the Third-Party Service. If you decide to access or use any Third-Party Service, you do so entirely at your own risk and subject to the terms and conditions associated with such Third-Party Service.
Your privacy is of paramount importance to us. Our collection, use, storage, processing, transfer, and disclosure of your Personal Data is governed by our Privacy Policy, which is available at Privacy Policy and is hereby incorporated by reference into these Terms. By accessing or using the Platform, you consent to the collection, use, storage, processing, and disclosure of your information as described in our Privacy Policy. We encourage you to read our Privacy Policy carefully to understand how we handle your data.
A-Polo CrediCalc is committed to protecting the security and confidentiality of your Personal Data in accordance with applicable data protection laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Digital Personal Data Protection Act, 2023, and any other applicable data protection legislation. We implement reasonable technical and organizational security measures designed to protect your Personal Data against unauthorized access, alteration, disclosure, destruction, loss, or misuse. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security of your data.
You acknowledge and agree that certain features of the Platform may require the collection of certain information from your device, including but not limited to device identifiers, operating system information, application version, screen resolution, language preferences, and usage analytics. We may use cookies, web beacons, pixels, and similar tracking technologies to collect information about your interactions with the Platform. You may manage your cookie preferences through your device or browser settings; however, disabling certain cookies or tracking technologies may affect the functionality of the Platform. For detailed information about our data practices, including the types of data we collect, the purposes of processing, data retention periods, your rights as a data subject, and how to exercise those rights, please refer to our Privacy Policy.
A-Polo CrediCalc reserves the right to modify, amend, update, revise, supplement, or replace these Terms and Conditions at any time, in our sole and absolute discretion, without prior notice to you. Any changes to these Terms shall become effective immediately upon posting the revised Terms on the Platform or through the Application. The "Last Updated" date at the top of this page will be revised to reflect the date of the most recent modification. We may, but are not obligated to, provide you with additional notice of material changes, such as through an in-app notification, email notification, or a prominent notice on the Platform.
It is your sole responsibility to review these Terms periodically for any changes or updates. Your continued access to or use of the Platform following the posting of any changes to these Terms constitutes your acceptance of, and agreement to be bound by, such changes. If you do not agree with any modification to these Terms, your sole and exclusive remedy is to discontinue using the Platform and uninstall the Application from your device. You waive any right to receive specific notice of each change made to these Terms, except as may be required by applicable law.
We may also, in our sole discretion, modify, update, enhance, or discontinue any aspect of the Platform, including any feature, functionality, tool, or Service, at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Platform or any of its features or Services. We encourage you to periodically bookmark this page and check for updates to stay informed about any changes to these Terms.
These Terms shall remain in full force and effect for as long as you access or use the Platform, unless terminated earlier in accordance with this section. You may terminate your agreement to these Terms at any time by ceasing all use of the Platform, uninstalling the Application from your device, and, if applicable, deleting your Account. Your termination of these Terms shall not relieve you of any obligations incurred prior to the effective date of termination, including any indemnification obligations, nor shall it affect any rights or remedies that may have accrued to A-Polo CrediCalc prior to such termination.
A-Polo CrediCalc reserves the right to suspend, restrict, or terminate your access to the Platform and/or your Account, in whole or in part, at any time, with or without cause, with or without notice, and without any liability to you. Grounds for termination may include, but are not limited to: (a) violation or breach of any provision of these Terms; (b) requests by law enforcement or other government agencies; (c) discontinuation or material modification of the Platform or any of its Services; (d) unexpected technical or security issues; (e) extended periods of inactivity; (f) engagement in fraudulent, illegal, or unauthorized activities; (g) non-payment of any applicable fees; or (h) any other reason deemed appropriate by A-Polo CrediCalc in its sole discretion.
Upon termination of these Terms or your access to the Platform, for any reason: (a) your right to access and use the Platform shall immediately cease; (b) any licenses or rights granted to you under these Terms shall immediately terminate; (c) you shall immediately cease all use of the Platform and delete or destroy any copies of Platform Content in your possession; and (d) we may, at our discretion, delete any data, content, or information associated with your Account. The following provisions shall survive the termination or expiration of these Terms: Definitions, Disclaimer of Warranties, Limitation of Liability, Indemnification, Governing Law & Jurisdiction, Dispute Resolution & Arbitration, Severability, and any other provisions that by their nature are intended to survive termination.
These Terms and Conditions, and any disputes, claims, or controversies arising out of or relating to these Terms, the Platform, or the Services (whether in contract, tort, or otherwise), shall be governed by, construed in accordance with, and interpreted under the substantive laws of the Republic of India, without regard to its conflict of laws principles that would require the application of the laws of any other jurisdiction. The applicability of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.
Subject to the arbitration provisions set forth in Section 17 below, you agree that any legal action, suit, or proceeding arising out of or relating to these Terms, the Platform, or the Services that is not subject to arbitration shall be brought exclusively in the competent courts located in New Delhi, India. You hereby irrevocably consent and submit to the personal and exclusive jurisdiction of such courts for the purposes of litigating any such action, suit, or proceeding. You further irrevocably waive any objection to the laying of venue of any such action, suit, or proceeding in such courts and any claim that any such action, suit, or proceeding has been brought in an inconvenient forum.
Notwithstanding anything to the contrary in these Terms, A-Polo CrediCalc retains the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property rights, data security, copyrights, trademarks, or trade secrets, without the requirement of posting a bond or other security, and without the necessity of proving actual damages.
Before initiating any formal dispute resolution proceedings, you and A-Polo CrediCalc agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or the Services through good faith negotiations. You agree to send a written notice describing the nature and basis of the dispute, claim, or controversy, along with the specific relief sought, to A-Polo CrediCalc at support@apololoan.com. The parties shall use their best efforts to settle the dispute through consultation and negotiation within a period of thirty (30) days from the date of receipt of such notice. If the dispute is not resolved within this thirty (30) day period, either party may proceed with the formal dispute resolution mechanisms set forth below.
If the dispute, claim, or controversy cannot be resolved through informal negotiations as described above, you and A-Polo CrediCalc agree that such dispute shall be finally and exclusively resolved by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996, as amended from time to time. The arbitration shall be conducted by a sole arbitrator mutually appointed by the parties. If the parties fail to agree on the appointment of an arbitrator within fifteen (15) days of a request for arbitration, the arbitrator shall be appointed in accordance with the provisions of the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be New Delhi, India. The language of arbitration shall be English. The arbitrator's award shall be final, binding, and enforceable in any court of competent jurisdiction. The costs and expenses of the arbitration, including the arbitrator's fees, shall be borne equally by the parties, unless the arbitrator decides otherwise in the award.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND A-POLO CREDICALC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH PARTIES AGREE OTHERWISE IN WRITING, THE ARBITRATOR SHALL NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND SHALL NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. You acknowledge and agree that this class action waiver is an essential part of the arbitration agreement between you and A-Polo CrediCalc, and that without this waiver, A-Polo CrediCalc would not agree to the arbitration provisions set forth herein.
A-Polo CrediCalc shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent that such failure or delay is caused by, results from, or is attributable to circumstances beyond its reasonable control ("Force Majeure Event"). Force Majeure Events include, but are not limited to: acts of God, natural disasters (including earthquakes, floods, hurricanes, typhoons, tsunamis, volcanic eruptions, landslides, and droughts), epidemics, pandemics, plagues, fire, explosion, war (whether declared or undeclared), armed conflict, terrorism, sabotage, riots, civil unrest, insurrection, revolution, government sanctions, embargoes, blockades, strikes, lockouts, labor disputes, acts or omissions of any governmental authority, changes in law or regulation, power failures, internet or telecommunications failures, cyberattacks, denial-of-service attacks, data breaches, equipment failures, and any other events or circumstances beyond the reasonable control of A-Polo CrediCalc.
In the event of a Force Majeure Event, A-Polo CrediCalc shall use reasonable efforts to mitigate the effects of such event and to resume performance of its obligations as soon as reasonably practicable. The obligations of A-Polo CrediCalc under these Terms shall be suspended for the duration of the Force Majeure Event, and the time for performance of such obligations shall be extended by a period equal to the duration of such event. If a Force Majeure Event continues for a period exceeding ninety (90) consecutive days, either party may terminate these Terms by providing written notice to the other party, without any liability arising from such termination.
For the avoidance of doubt, a Force Majeure Event shall not excuse any obligation to make payments that are due and owing prior to the occurrence of the Force Majeure Event. You acknowledge and agree that the Platform, being a digital service dependent on various technological infrastructure, may be particularly susceptible to certain Force Majeure Events, including but not limited to internet disruptions, server failures, and cyberattacks, and you agree that A-Polo CrediCalc shall not be held liable for any disruption in service attributable to such events.
If any provision, clause, or part of these Terms and Conditions is found to be invalid, illegal, void, unenforceable, or contrary to public policy by any court of competent jurisdiction, arbitral tribunal, or other competent authority, such provision shall be deemed severed from these Terms to the minimum extent necessary to render the remaining provisions enforceable. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions of these Terms, which shall continue in full force and effect as if such invalid, illegal, or unenforceable provision had not been included.
In the event that any provision is determined to be invalid or unenforceable, the parties agree to negotiate in good faith to replace such provision with a valid and enforceable provision that, to the maximum extent possible, achieves the original intent, economic effect, and commercial purpose of the invalid or unenforceable provision. If the parties are unable to agree on a replacement provision, the provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.
The doctrine of severability shall apply to all provisions of these Terms, including without limitation the arbitration agreement, the class action waiver, the limitation of liability, and the disclaimer of warranties. The parties intend and acknowledge that each provision of these Terms is separate and divisible from every other provision, and that the enforceability of each provision shall be assessed independently.
No failure, delay, or omission by A-Polo CrediCalc to exercise or enforce any right, power, privilege, or remedy under these Terms and Conditions shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power, privilege, or remedy preclude any other or further exercise thereof or the exercise of any other right, power, privilege, or remedy. No waiver of any provision of these Terms shall be effective unless made in writing and signed by an authorized representative of A-Polo CrediCalc.
Any waiver granted by A-Polo CrediCalc shall be specific to the particular instance for which it is given and shall not constitute a continuing waiver or a waiver in respect of any other breach, default, or non-observance of the same or any other provision of these Terms. The rights and remedies of A-Polo CrediCalc under these Terms are cumulative and are not exclusive of any rights or remedies available at law, in equity, or otherwise. No course of dealing or course of performance between you and A-Polo CrediCalc shall constitute or be deemed to constitute a waiver of any provision of these Terms.
You acknowledge that any forbearance or indulgence by A-Polo CrediCalc in enforcing any provision of these Terms shall not be construed as a waiver of its rights under such provision. A-Polo CrediCalc reserves all rights not expressly granted herein, and no implied licenses, rights, or waivers are created by these Terms or by any conduct of the parties.
These Terms and Conditions, together with our Privacy Policy, Disclaimer, Refund & Cancellation Policy, and any other policies, guidelines, or supplemental terms published on the Platform or referenced herein (collectively, the "Agreement"), constitute the entire agreement between you and A-Polo CrediCalc with respect to your access to and use of the Platform and the Services, and supersede all prior or contemporaneous understandings, agreements, representations, warranties, and communications, whether oral or written, between you and A-Polo CrediCalc relating to such subject matter.
No statement, representation, warranty, covenant, or agreement of any kind not expressly set forth in this Agreement shall affect, or be used to interpret, change, restrict, or qualify the express terms and provisions of this Agreement. You acknowledge that, in entering into this Agreement, you have not relied on any statement, representation, warranty, understanding, undertaking, promise, or assurance (whether negligent or innocent) of any person, whether a party to this Agreement or not, other than as expressly set out in this Agreement.
In the event of any conflict or inconsistency between these Terms and Conditions and any other agreement or understanding between you and A-Polo CrediCalc (whether oral or written), these Terms shall prevail to the extent of such conflict or inconsistency, unless the other agreement expressly states that it supersedes these Terms with respect to the specific matter in question. Any terms or conditions contained in any purchase order, confirmation, correspondence, or other document submitted by you that are in addition to, different from, or inconsistent with these Terms shall have no binding effect on A-Polo CrediCalc.
You may not assign, transfer, delegate, sublicense, or otherwise dispose of your rights, obligations, or interest under these Terms and Conditions, in whole or in part, to any third party without the prior written consent of A-Polo CrediCalc. Any attempted assignment, transfer, delegation, sublicense, or disposition in violation of this provision shall be null, void, and of no effect whatsoever.
A-Polo CrediCalc may freely assign, transfer, delegate, or sublicense its rights and obligations under these Terms, in whole or in part, to any third party without your consent and without notice to you. Such assignment may occur in connection with a merger, acquisition, reorganization, sale of assets, change of control, or any other corporate transaction, as well as in the ordinary course of business. Upon any such assignment, A-Polo CrediCalc shall be released from all obligations and liabilities arising under these Terms after the effective date of such assignment.
These Terms shall be binding upon and inure to the benefit of the parties and their respective heirs, executors, administrators, successors, and permitted assigns. Subject to the foregoing restrictions, these Terms and Conditions shall bind and inure to the benefit of the parties, their respective successors, and permitted assigns.
All notices, requests, demands, claims, and other communications required or permitted under these Terms and Conditions ("Notices") shall be in writing and shall be deemed to have been duly given and received: (a) when delivered personally, upon receipt; (b) when sent by email, upon confirmation of successful delivery (provided that no error or bounce-back message is received by the sender); (c) when sent by registered mail or speed post with acknowledgment due, three (3) business days after dispatch; or (d) when sent by recognized overnight courier service, on the business day following dispatch.
Notices to A-Polo CrediCalc shall be sent to the contact details specified in the "Contact Information" section of these Terms. Notices to you shall be sent to the email address, postal address, or other contact information provided by you during registration or as subsequently updated by you. You are responsible for ensuring that your contact information is current and accurate at all times. A-Polo CrediCalc may also provide Notices through the Platform by means of in-app notifications, banners, pop-up messages, push notifications, or other similar mechanisms, and such Notices shall be deemed received upon display to you.
You agree that A-Polo CrediCalc may also provide Notices regarding changes to these Terms, updates to the Platform, new features, promotional communications, and other matters through electronic means, including but not limited to email, SMS, in-app notifications, and notices posted on the Platform. You consent to receiving such electronic communications and agree that all agreements, notices, disclosures, and other communications that A-Polo CrediCalc provides to you electronically satisfy any legal requirement that such communications be in writing, to the extent permitted by applicable law.
In accordance with the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, the Consumer Protection Act, 2019, and other applicable laws and regulations, A-Polo CrediCalc has established a grievance redressal mechanism to address the complaints, concerns, and grievances of its Users. If you have any complaint, concern, or grievance regarding the Platform, the Services, these Terms, or any content available on the Platform, you may contact our Grievance Officer using the contact details provided below.
Our Grievance Officer shall acknowledge receipt of your complaint within twenty-four (24) hours and shall endeavor to resolve your complaint or grievance within a period of fifteen (15) days from the date of receipt, or within such other time frame as may be prescribed by applicable law. The Grievance Officer shall investigate the matter, communicate with relevant parties, and take appropriate action as deemed necessary. You agree to provide all necessary information, documentation, and cooperation to facilitate the timely resolution of your complaint or grievance.
If you are not satisfied with the resolution provided by our Grievance Officer, you may escalate your complaint to the appropriate regulatory authority, consumer forum, or other competent authority in accordance with applicable law. You may also avail yourself of the dispute resolution mechanisms set forth in Section 17 of these Terms. We are committed to ensuring that all grievances are addressed promptly, fairly, and in accordance with applicable legal requirements.
Name: Grievance Officer, A-Polo CrediCalc
Email: support@apololoan.com
Response Time: Acknowledgment within 24 hours; resolution within 15 days
If you have any questions, concerns, comments, feedback, or inquiries regarding these Terms and Conditions, the Platform, the Services, or any other matter related to A-Polo CrediCalc, please do not hesitate to contact us using the following contact details. We welcome your feedback and are committed to addressing your inquiries in a timely and professional manner.
Application Name: A-Polo CrediCalc
Email: support@apololoan.com
Google Play Store: https://play.google.com/store/apps/details?id=com.apololoancredi.calcredit
We shall make reasonable efforts to respond to your inquiries within a reasonable time frame. For urgent matters or time-sensitive issues, please indicate the urgency in the subject line of your email. Please ensure that your communication includes sufficient detail to enable us to understand and address your inquiry effectively, including your name, contact information, a description of the issue, and any relevant screenshots or documentation.
By using the A-Polo CrediCalc Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. These Terms were last updated on February 17, 2026.