Disclaimer

1. Important Notice

GURU Credits operates under a Moneylenders Act 1951 license issued by KPKT. We provide credit analysis, loan matching, and lending services in compliance with the statutory interest-rate caps and borrower-protection rules set by the Moneylenders (Control and Licensing) Regulations. We are not a bank, and where a bank product is better suited to your profile we will refer you rather than extend credit ourselves.

2. Not Financial Advice

The information and analysis provided by GURU Credits are for informational purposes only and should not be construed as professional financial, legal, or tax advice.

Our recommendations are based on general criteria used by banks and may not account for all factors relevant to your specific situation. We strongly recommend consulting with licensed financial advisors, accountants, or legal professionals before making significant financial decisions.

Any actions you take based on our analysis are at your own risk and discretion.

3. No Guarantee of Loan Approval

We do not and cannot guarantee loan approval. The final decision on any loan application rests solely with the bank or financial institution you apply to.

Banks consider many factors beyond what we analyze, including but not limited to:

• Internal credit scoring models
• Current lending policies and appetite
• Economic conditions and market factors
• Property or asset valuation (for secured loans)
• Additional documentation requirements
• Relationship history with the bank
• Our "success rate" statistics refer to clients who followed our recommendations and subsequently received loan approval. This does not guarantee similar results for all clients.

4. Accuracy of Information

Our analysis is only as accurate as the information you provide. We rely on:

• Information you submit through our forms
• Documents you provide (pay slips, bank statements, etc.)
• Credit reports obtained with your authorization
• We are not responsible for errors or omissions in your submitted information. Providing false or misleading information may result in inaccurate analysis and is a violation of our Terms of Service.
• Bank policies, interest rates, and lending criteria change frequently. Our recommendations are based on information available at the time of analysis and may not reflect the most current bank policies.

5. Third-Party Links & Services

Our website may contain links to third-party websites, including bank websites and financial calculators. We are not responsible for the content, accuracy, or privacy practices of these external sites.

We may recommend specific banks or financial products based on our analysis. These recommendations are based on general suitability and do not constitute endorsements. We do not receive commissions from banks for referrals unless explicitly disclosed.

6. Limitation of Liability

To the fullest extent permitted by law, GURU Credits, its directors, employees, and affiliates shall not be liable for:

• Any loan rejection or unfavorable terms from banks
• Financial losses resulting from following or not following our recommendations
• Delays in service delivery due to circumstances beyond our control
• Errors in analysis due to inaccurate information provided by you
• Actions taken by banks or third parties
• Any indirect, incidental, or consequential damages
• Our maximum liability is limited to the amount you paid for the specific service in question.

7. Your Acknowledgment

By using GURU Credits services, you acknowledge that you have read, understood, and agree to this disclaimer. You understand that:

• We provide consultation services, not loans or financial products
• Our analysis is advisory and not a guarantee of any outcome
• Final loan decisions are made by banks, not by us
• You are responsible for verifying information and making your own decisions