About Credlume

Welcome to Credlume (a brand owned by Navdisha Ventures) By accessing or using our services, you agree to the terms outlined in this Disclaimer.

Last Updated: 31st March 2026

We act as a Direct Selling Agent (DSA) and referral partner for financial products, including :

• Loan products facilitated through our association with Andromeda

• Insurance products facilitated through our association with Policybazaar

Our role is limited to:

• Connecting customers with relevant financial institutions or insurers

• Assisting with application processes and documentation

• Providing general product information

We do not:

• Act as a bank, NBFC, or insurance company

• Underwrite, approve, or reject any application

• Issue insurance policies or sanction loans

Nature of Services (DSA & Referral Partner Role)

No Financial, Insurance, or Investment Advice

All information shared by us is for general informational purposes only.

We do not provide:

• Financial advice

• Investment advice

• Insurance advisory or risk assessment

Customers should:

• Carefully review all product documents

• Consult certified financial or insurance advisors where necessary

All products are offered by:

• Banks / NBFCs (for loans)

• Insurance companies (for Insurance)

We have no control over:

• Approval or rejection of loans

• Policy issuance decisions

• Premium amounts, interest rates, or terms

Any agreement is strictly between:

• The customer and the respective financial institution / insurer

Third-Party Products & Liability

No Guarantees or Assurances

We do not guarantee:

• Loan approvals or disbursal timelines

• Specific interest rates or loan amounts

• Insurance policy issuance or claim approval

All outcomes depend on:

• Customer eligibility

• Credit profile

• Insurer/lender underwriting policies

Accuracy of Information

While we aim to provide accurate and updated information:

• Product features, pricing, and eligibility may change

• We do not guarantee completeness or accuracy

We are not liable for:

• Errors or outdated information

• Decisions made based on such information

Customer Responsibility

By engaging with our services, you confirm that:

• Information provided by you is accurate and complete

• You understand final decisions rest with lenders/insurers

• You will review and accept all official documents before proceeding

External Platforms & Data Sharing

Credlume / NavDisha Ventures shall not be liable for:

• Any direct or indirect financial loss

• Rejection, delay, or modification of applications

• Claim rejections by insurance companies

Limitation of Liability

Your information may be shared with:

• Aggregator platforms (e.g., Andromeda, Policybazaar)

• Partner banks, NBFCs, or insurers

We are not responsible for:

• Data practices of third parties

• External platform content or policies

Updates to Disclaimer

We :

• Are not a regulated financial institution or insurer

• Operate as a facilitator/DSA/referral partner

Customers should note:

• Loans are governed by lender policies and guidelines of the Reserve Bank of India

• Insurance products are governed by insurers under the Insurance Regulatory and Development Authority of India

Regulatory Position

• We may update this Disclaimer at any time without prior notice.

• Users are encouraged to review this page periodically.

Contact Information

Credlume - a brand owned by NavDisha Ventures.

Registered Address : B-303, Divya Residency, Road no. 9, Vikas Nagar, Latma Road, Singh More, Hatia, Ranchi - 834003

Contact no. : +91-7970773357

Email id : contact@credlume.com