Terms & Conditions

USER AGREEMENT — ACCOUNTING SERVICES

THIS USER AGREEMENT IS A LEGAL AGREEMENT BETWEEN YOU (EITHER AS AN INDIVIDUAL OR AS AN ENTITY) AND CRED FINANCE CORPORATION (ALSO REFERRED TO AS WWW.CREDFICO.COM).

THE USE OF THIS WEBSITE, ITS APPLICATIONS, AND THE CONTENT CONTAINED THEREIN IS GOVERNED BY THE FOLLOWING TERMS OF USE.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE WEBSITE AND/OR ITS CONTENT. BY ACCESSING OR USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THE TERMS. IF YOU DO NOT AGREE, YOU MAY NOT ACCESS OR USE THE WEBSITE. THE COMPANY RESERVES THE RIGHT TO MODIFY THESE TERMS AT ANY TIME WITHOUT PRIOR NOTICE.

Overview of Services

We, Credfico.com, specialize in virtual accounting, bookkeeping, and financial compliance services, operating from Delhi and Mumbai, India, and serving clients globally.
Our services include:

  • Bookkeeping & Accounting

  • Final Accounts Preparation

  • Management Reporting

  • Tax Audits, ITR & GST Filing

  • Business & Statutory Registrations (Company, GST, PF, etc.)

  • Payroll Management

  • Professional financial advisory services

We also collaborate with licensed third-party financial institutions to support their offerings in compliance with applicable laws.

Acceptance of Terms

By using www.credfico.com, you agree to be bound by these Terms and Conditions.

Website Content

  • The website content is for informational purposes only and does not constitute professional advice.

  • No warranty is provided regarding the accuracy or completeness of the content.

  • Use the website at your own risk; the company is not liable for any loss or damage.

Description of Services

  • We provide accounting and compliance services and professional guidance to businesses and individuals.

  • You authorize us to contact you via phone, SMS, email, or WhatsApp for service-related communication.

  • Authorization includes receiving promotional and service-related messages, even if your number is on DND.

  • All service fees are non-refundable unless expressly stated otherwise.

  • We may engage sub-partners or third parties to deliver services.

  • Payment of any applicable registration or service fee is mandatory to avail services.

Payment Terms

  • Invoices must be paid within 7 days unless otherwise agreed in writing.

  • Late payments attract interest at 18% per annum.

  • Payments are non-refundable and deemed earned upon delivery of the agreed service or confirmation of completion.

  • GST is charged as applicable; the client is responsible for claiming ITC.

  • Payment can be made via secure online gateway or UPI. Links will be shared on request.

  • All disputes are subject to the jurisdiction of Mumbai, India.

User Responsibilities

  • You are solely responsible for any decisions based on the financial information or services we provide.

  • Independent verification and professional consultation are recommended before acting on advice.

Third-Party Websites

  • We are not responsible for the content, practices, or policies of linked third-party websites.

  • Accessing such websites is at your own risk.

Privacy

Your use of the website is also governed by our Privacy Policy.

Intellectual Property

All content, materials, and branding on the website are protected by intellectual property laws and remain the property of Cred Finance Corporation or its licensors.

Limitation of Liability

We are not liable for any direct or indirect damages arising from your use of this website or services.

Changes to Terms

We reserve the right to amend these Terms at any time without prior notice. Continued use of the website implies acceptance of the updated Terms.

Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Mumbai, India.

Contact Information

📧 Email: info@credfico.com
📱 WhatsApp: https://wa.me/+912231948651

By using this Website and/or our services, you confirm that you have read, understood, and agreed to these Terms and Conditions.