At Kredit Station, we believe financial access must be built on ethics, transparency, and mutual respect — not just paperwork and scoring models. Our Responsible Matchmaking Policy outlines how we connect borrowers with verified private lenders in a way that is legally compliant, ethically sound, and client-first.

This policy ensures that our matchmaking process serves both borrower and lender responsibly — without misuse, bias, or violation of personal rights.

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1. Nature of Our Matchmaking Services

Kredit Station is a loan assistance and documentation advisory firm. We do not offer loans, do not manage money, and are not a lender, NBFC, or financial institution. We offer:

• Loan profile analysis

• Project & CRM report creation

• MSME/Udyam registration (if required)

• Structured documentation

• Controlled, permission-based matchmaking with private lenders

We act as a bridge, not a broker, between underserved borrowers and ethical private lenders who evaluate non-traditional profiles.​​

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2.Our Matchmaking Principles

Our responsible matchmaking model is built on 5 core principles:

1. Transparency Over Tactics

We never mislead borrowers or lenders. All terms, risks, and expectations are clearly communicated before matchmaking begins.

2. Consent Before Connection

We never share borrower documents with any lender without full written or digital consent. You control your information — always.

3. Verified Lender Network Only

All lenders in our network are identity-verified, reputation-screened, and committed to ethical funding practices. We never work with unregistered loan agents or moneylenders.

4. Data Privacy First

All documentation — Aadhaar, PAN, bank statements, reports — is handled with strict confidentiality and stored securely. Lender sharing is controlled and logged

5. No Middleman Interference

After initial matching, we connect borrowers and lenders directly. We do not interfere, do not demand commission, and do not participate in financial discussions. The deal remains between you and the lender.​​​

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3. Matchmaking Process (Step-by-Step)

1. Borrower Profile Evaluation: We understand your income, needs, and documentation

2. Project & CRM Report Creation: We prepare lender-grade reports outlining your loan purpose, cash flow, and repayment ability

3. Lender Network Matching: We shortlist 1–3 lenders who align with your profile and loan size

4. Consent-Based Sharing: Your profile is shared only after your approval

5. Feedback Loop: We follow up for feedback or document requests.

6. Direct Connection: If a lender is interested, we connect you both.

7. Exit From Process: Once connected, Kredit Station steps away. No interference or commissions are involved.​​

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4. What We Will NEVER Do

• Share your personal data without consent

• Push your application to 20+ random lenders

• Send your profile to blacklisted or unverified financiers

• Act as a loan recovery agent

• Collect interest or EMI on behalf of any lender

• Influence or alter the lender’s decision

• Promise “guaranteed approval” for any case

We believe every borrower deserves dignity, respect, and informed support, especially when dealing with personal finance.

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5. Borrower Responsibilities

To ensure safe and fair matchmaking:

• Submit only genuine, verifiable documents

• Disclose previous loans or defaults honestly

• Respect lender privacy and decision timelines

• Avoid requesting unethically large amounts beyond your repayment ability

• Do not engage in fake identity creation or impersonation

Any fraud attempt or misuse of our platform will result in blacklisting and legal reporting.

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6. Lender Code of Conduct

All Kredit Station lenders are expected to:

• Be transparent about loan terms (tenure, rate, EMI, late fee)

• Avoid harassment or coercion under any circumstances

• Sign appropriate declarations where needed

• Respect borrower dignity and data privacy

• Follow RBI’s fair practices code (where applicable)

Lenders who violate this policy will be removed from our network permanently.

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7. Our Role Ends After Matchmaking

Once we connect you with a lender:

• All discussions on interest, terms, and repayment are between you and the lender

• Kredit Station will not negotiate, pressure, or influence your agreement

• We do not handle or transfer any loan amount or EMI 

• We are not responsible for repayment or collection

This keeps your experience clean, direct, and fully under your control

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8. Dispute & Feedback Mechanism

If you face:

• Misconduct by a lender

• Misuse of your documents

• Miscommunication regarding terms

•  Unethical behavior or harassment

Please report it immediately to legal@kreditstation.com or via WhatsApp. We will:

• Investigate within 3–5 working days

• Suspend the lender from our network (if required)

• Offer alternatives (if possible)

Your trust is our top priority.

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9. Legal Protection

This Responsible Matchmaking Policy is covered under:

• The Consumer Protection Act, 2019

• Information Technology Act, 2000 (for digital records and privacy)

• Applicable civil and contract laws of India 

Kredit Station operates fully within Indian law and reserves the right to take legal action against any party who misuses our services or harms our users

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10. Contact

For clarifications, ethical concerns, or legal inquiries related to matchmaking:

​Email: legal@kreditstation.com

WhatsApp: +91 [+91 9256833284]

Registered Office: [Royal Ln. Mesa, New Jersey 45463]

Response Time: 2–4 business days

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Disclaimer: Kredit Station is not a financial institution. We are an advisory and support platform focused on responsible documentation and lender matchmaking. All lending agreements, decisions, and financial risks are solely between borrower and lender.