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These terms and conditions (“Additional Terms”) are in addition to and not in derogation with CreditMantri’s terms and conditions available here (“Primary Terms”), which Primary Terms are incorporated by reference, and deemed a part of these Additional Terms and shall apply in the event you subscribe to any of the following services offered by CreditMantri. Therefore, please read the Primary Terms along with these Additional Terms (collectively “the Terms”) for a comprehensive understanding of all the terms and conditions subject to which CreditMantri offers its services under any of the services CHR, CHRA, CMS, BYS, BHR orders.

I. Credit Monitoring Services (‘CMS’)

II. Credit Health Report (‘CHR’)

III. Credit Health Report – Annual (‘CHRA’)

IV. Build Your Score – (‘BYS’)

V. Business Health Report (‘BHR’)

Above subscriptions shall individually be called as “Order” and collectively called as “Orders”

By submitting this Order document and clicking the box indicating acceptance of the Terms, you acknowledge and agree that you have read and understood the Terms as a whole and that the Primary Terms together with these Additional Terms form a legal and binding agreement between us. If you do not accept the Terms as a whole, do not click the box indicating your acceptance hereof. However, please note that you will not be able to submit this Order and we will not be able to provide you with the services under the ‘CMS or CHR, or CHRA’ or ‘BYS’ or ‘BHR’ Orders unless you agree to accept and be bound by the Terms.

All capitalized terms used in these Additional Terms but not defined herein shall have the same meaning as defined under the Primary Terms.

1. Scope of Services:

1.1. The details and scope of the services that will be provided to you under the Orders (referred to as “this Order” in these Additional Terms) are available here.

2. Orders:

2.1. All orders submitted by you are subject to acceptance by CreditMantri.

2.2. Acceptance of your order is subject to (i) receipt of consent to obtain your credit history details from Equifax; and (ii) receipt of payment of all charges due for this Order.

2.3. Acceptance of your order will be signified by email sent to you at the email address provided in your Order or commencement of the provision of the Services by CreditMantri, whichever is earlier.

3. Charges:

3.1. The charges payable for this Order are available here.

3.2. Receipt of the entire charges, in advance, is a condition for the acceptance of your order. The charges paid are non-refundable under any circumstance once the Service as explained in para (6) of this terms and conditions has commenced

3.3. CreditMantri may change the mode of payment that is acceptable to it from time to time.

4. Timelines:

4.1. The timelines for delivery of service under this Order as mentioned on the website are non-binding estimates based on CreditMantri’s prior experience. Factors beyond our control may affect the actual date of delivery of the services to you.

4.2. In the course of provision of the service under this Order, CreditMantri may require you to submit additional documents or details. Your prompt and accurate response to such requests will also affect the timelines for delivery.

5. Authorisation:

5.1. To provide you with the services under this Order, you understand that CreditMantri requires your credit report and credit score maintained by CIC(s) in India. You therefore hereby agree to irrevocably authorize CreditMantri to apply for / request and receive your credit information report and credit rating from CICs in India, as many times during the tenure of the Order or as permitted by applicable law and as may be required based on the type of Order you have chosen. Should such authorisation expire by operation of applicable law, you agree to login to the CreditMantri website and renew such authorisation irrevocably for such periods as may be permitted by law. CreditMantri shall make reasonable efforts to inform you of such expiry to your registered contact numbers. You agree to execute such authorization in such format as may be requested CreditMantri as many times as may be required to for CreditMantri to continue to provide services under this Order.

5.2. You hereby authorize CreditMantri to use the information obtained from the applicable CIC(s) and any other information that you may provide to CreditMantri to provide you with CreditMantri’s services in accordance with the Terms. You understand and consent to the use and disclosure of the said information in accordance with CreditMantri’s Privacy Policy available here.

6. Tenure:

6.1. Unless otherwise terminated prior thereto in accordance with the Terms, the services under this Order shall commence on acceptance of your Order as mentioned above and shall be deemed completed when (i) your credit report and the Credit Health Report (“CHR”) or the first Credit Health Report under the CHRA order is sent to you by email at the email address provided in your Order or when (ii) CreditMantri informs you (by email) that the CICs do not have a credit report for you, whichever is earlier.

6.2. You hereby understand and acknowledge that CreditMantri may suspend the service if it is unable to provide the service due application of new law or any changes to existing regulation. You hereby understand and agree that in case your authorisation should expire by operation of applicable law, CreditMantri is under no obligation to continue to provide you with services under this order. In such a situation, you understand CreditMantri is not obliged to refund any amount or provide any compensation for any unfulfilled part of period or tenure.

CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application