ข้อกำหนดการใช้บริการ

Bat Kredit is a platform dedicated to the evaluation of financial products and financial education, with a focus on creating and disseminating informative content and detailed analyses of various financial services and products, such as credit cards, digital banks, loans, financing, and more, offered by financial institutions. In addition, Bat Kredit conducts reviews of banking products and provides other relevant content for those seeking knowledge in the area.

We operate a main website and may have other financial websites linked to our brand, as well as applications, designed to provide a practical and personalized experience. Our goal is to help you make more informed financial decisions by recommending products and services that best suit your needs.

These Terms and Conditions of Use are always available for consultation on our website and should be read in conjunction with our Privacy Policy, also available on our website, and all applicable laws and regulations in India. The purpose of these Terms is to clarify the responsibilities, duties, and obligations of all users who access and/or use Bat Kredit, as described below.

  1. DEFINITIONS

1.1. For the purposes of these Terms and Conditions of Use, “User” means any individual or legal entity that accesses or uses Bat Kredit’s services, regardless of the means used, including, but not limited to, mobile devices, tablets, personal computers, internet browsers, or any other available access device or technology.

  1. ACCEPTANCE

2.1. By accessing Bat Kredit, the User declares that they have read, understood, and fully agrees with the Terms and Conditions of Use, as well as the Privacy Policy.

2.2. The User also confirms that they are of legal age in their jurisdiction and have full legal capacity to accept and comply with these Terms and Conditions of Use.

2.3. If the User does not agree, in whole or in part, with these Terms and Conditions of Use, they should not access or use the services provided by Bat Kredit, its websites, or any other service operated by the company.

  1. CONTACT US

3.1. The User can clarify doubts, resolve problems, or submit complaints related to the products and/or services offered by Bat Kredit through our service channel.

3.2. To contact us, the User can use the email: [email protected].

  1. RESPONSIBILITIES

4.1. By using Bat Kredit’s services, the User confirms that they have read and fully agree with the Terms and Conditions of Use and the Privacy Policy.

4.2. Bat Kredit may provide links to third-party websites, allowing the User to contract services or purchase products directly from these companies, without any interference or liability from Bat Kredit.

4.3. When the User is redirected to third-party websites, it is their responsibility to read and agree to the Terms of Use and Privacy Policy of those companies before using their services or products.

4.4. Bat Kredit is not responsible for:

  • Terms of use and privacy policies of third-party websites or companies;
  • Information provided by advertisers;
  • Services or products purchased directly by Users on third-party websites.

4.5. Bat Kredit is not responsible for any damages caused by viruses, malware, spyware, or other harmful software that may compromise the User’s equipment while browsing.

4.6. It is the User’s responsibility to keep their device updated and protected by appropriate antivirus software.

4.7. Bat Kredit is not responsible for losses or damages arising from the misuse of its websites or due to force majeure.

4.8. The User’s obligations include:

Not violating the rights of third parties when using the website;

  • Not using the website for purposes of harassment, surveillance, or stalking of third parties;
  • Not engaging in fraudulent, illicit, or inappropriate activities;
  • Fully complying with these Terms and Conditions of Use, the Privacy Policy, and all applicable laws and regulations in India, including the IT Act 2000 and the DPDP Act 2023.
  1. TERM AND LIMITATION OF LIABILITY

5.1. These Terms and Conditions of Use are valid for an indefinite period.

5.2. To the maximum extent permitted by applicable law, Bat Kredit’s liability for any claim arising out of or relating to these Terms or the use of Bat Kredit’s services shall be limited to the extent permitted by Indian law.

  1. MODIFICATION OF TERMS AND CONDITIONS

6.1. The Terms and Conditions may be changed at any time, at Bat Kredit’s discretion, without prior notice.

6.2. Users who do not agree with the modified Terms should refrain from using Bat Kredit.

  1. GOVERNING LAW AND JURISDICTION

7.1. These Terms and Conditions of Use, as well as the Privacy Policy, are governed by the laws of India, without regard to its conflict of law provisions.

7.2. Any legal action or proceeding relating to these Terms or the use of Bat Kredit’s services shall be brought in the competent courts located in India, and the parties consent to the exclusive jurisdiction of such courts.

It is the user's responsibility to verify all details with the relevant financial institution. We strongly recommend carefully reviewing the terms and conditions provided by financial institutions before entering into any agreement or contract. Please consult the institution's specific terms and conditions prior to any application.For details regarding how Bat Kredit collects, uses, and discloses your personal information, please refer to our Privacy Policy. By accessing and using this site, you acknowledge that you have read, understood, and agree to our Terms of Use and Privacy Policy.

While Bat Kredit strives to present accurate and current information, it is possible that details may differ from those displayed on the official websites of financial institutions. Bat Kredit does not guarantee the continuous accuracy or timeliness of the information provided.

Bat Kredit operates as an intermediary. We do not offer financial products directly, nor do we conduct credit assessments or make credit decisions. These responsibilities lie solely with the respective financial institutions. Bat Kredit does not request or facilitate payments, fund transfers, or charge any fees for its services.

It is the user's responsibility to verify all details with the relevant financial institution. We strongly recommend carefully reviewing the terms and conditions provided by financial institutions before entering into any agreement or contract. Please consult the institution's specific terms and conditions prior to any application.For details regarding how Bat Kredit collects, uses, and discloses your personal information, please refer to our Privacy Policy. By accessing and using this site, you acknowledge that you have read, understood, and agree to our Terms of Use and Privacy Policy.