Terms of Service

To register, create an account, or access credit reports on the Platform, you represent and warrant that:

• You are an individual residing in the Republic of India who is at least 18 (eighteen) years of age and legally capable of entering into binding contracts under the Indian Contract Act, 1872.
• The 10-digit Indian mobile number provided during registration is registered in your personal name with your telecom service provider.
• All identification information, including your full legal name, Date of Birth (DOB), gender, and Permanent Account Number (PAN), is accurate, current, and belongs exclusively to you.
• You are registering for yourself and not on behalf of any other individual, minor, entity, or fictitious identity.

The Platform provides a specialized credit analytical suite and advisory facilitation service, comprising:

Platform Roles: The Platform supports distinct user accounts: Subscribers (end customers managing personal credit information), Agents (certified credit advisory representatives handling customer consultation and dispute workflows), and Administrators (system personnel managing platform security, compliance, and user records).

By initiating registration, validating your mobile via One-Time Password (OTP), or opting to refresh a report, you expressly appoint Credit Consultant as your authorized representative to execute the following actions under the Credit Information Companies (Regulation) Act, 2005 (CICRA 2005), the CIC Rules, 2006, and the Digital Personal Data Protection Act, 2023:

1. Appointment as Agent: You expressly authorize Credit Consultant, acting on your behalf, to request, retrieve, receive, and access your credit information, credit scores, account histories, and related demographic data from TransUnion CIBIL Limited, Experian Credit Information Company of India Private Limited, Equifax Credit Information Services Private Limited, and CRIF High Mark Credit Information Services Private Limited.
2. Mobile-to-Details Prefill Authorization: You confirm providing informed, unconditional, and unwithdrawn consent for our automated prefill service to verify your mobile number against credit database registries to populate your name, PAN, date of birth, and associated address records for validation.
3. Data Processing & Storage: You authorize Credit Consultant to securely decode, parse, cache, and persist your credit report data within our encrypted infrastructure for the purpose of presenting your analytics dashboard, generating PDF records, and assessing dispute eligibility during your active subscription period.

Access to full credit reports, multi-bureau analytics, and dispute submission is subject to the purchase of dynamic subscription plans displayed on our Platform (payable via Razorpay in Indian Rupees inclusive of applicable Goods and Services Tax):

• Refresh Credits: Each subscription package grants an allotted quota of "Refresh Credits". Triggering a fresh bureau fetch from the dashboard or batch selector deducts exactly 1 (one) credit from your balance in an atomic transaction.
• Instant Digital Delivery: All services provided on Credit Consultant are digital information services fulfilled instantaneously. Upon successful payment authorization, the Platform communicates directly with external credit bureau APIs and generates your report immediately.

Subscribers may initiate formal dispute cases via our Rectification Wizard (/dashboard/disputes/create) to challenge reporting inaccuracies across credit bureaus. In connection with dispute cases:

• Supporting Documentation: You agree to provide genuine, un-manipulated supporting documentation (such as formal bank No-Dues Certificates, foreclosure receipts, bank statement excerpts, or settlement agreements). You acknowledge that uploading forged, altered, or falsified financial records is an actionable offense.
• Lender & Bureau Adjudication: Credit Consultant acts solely as an advisory and procedural facilitator. The statutory legal obligation to verify, amend, or close a disputed loan record rests exclusively with the reporting Member Credit Institution (Bank/NBFC) and the Credit Bureau pursuant to Section 21 of CICRA 2005. Credit Consultant cannot forcibly alter a bank's ledger or compel a bureau to delete valid historical default entries.

You agree not to engage in any of the following unauthorized activities:

• Accessing or attempting to access credit files belonging to any third party without written legal authorization.
• Employing automated scrapers, crawlers, scripts, bots, or extraction engines to harvest reports or database contents.
• Attempting to bypass One-Time Password (OTP) verification routines, flood authentication endpoints, or interfere with security rate-limiting mechanisms.
• Uploading files containing malware, trojans, malicious script payloads, or deceptive file formats into document upload forms.
• Decompiling, reverse engineering, or disassembling any software component, scoring algorithm, or layout of the Platform.

Automated Security Lockouts: The Platform actively enforces rate-limiting and lockout middleware (login.security). Repeated failed OTP entries or unauthorized API requests will trigger automated account lockouts and IP blacklisting to safeguard customer records.

Governing Law: This Agreement and any dispute or claim arising out of or related to your use of the Platform shall be governed by, construed, and enforced exclusively in accordance with the laws of the Republic of India, without giving effect to conflict of laws principles.

Dispute Resolution & Arbitration: In the event of any controversy, claim, or dispute arising out of or relating to these Terms, the parties shall first endeavor to settle the dispute amicably through good-faith mutual negotiations within 30 (thirty) days. If unresolved, the dispute shall be referred to and finally resolved by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996, by a sole arbitrator mutually appointed by Credit Consultant. The seat and venue of arbitration shall be New Delhi / Jaipur, India, and the arbitration proceedings shall be conducted in the English language. Subject to arbitration, the courts of competent jurisdiction in India shall have exclusive jurisdiction.