Terms of Service

Last upadated : 11 march 2020

Welcome! CreditRiser.co.in, (``CreditRiser.co.in`` or ``us`` or ``we`` or ``our``) provides its services (described below) to you through the website located at www.CreditRiser.co. in and its related sub-domains (the ``Site``) and through its mobile applications and related services (collectively, such services, including any new features and applications, and the Site, the ``Service``), subject to the following Terms of Service (as amended from time to time, the ``Terms of Service``). Through the Service, we provide credit-related information, products, services and other features.

BY USING THE SITE, ENGAGING IN THE SERVICE, REQUESTING WE CONTACT YOU ABOUT FINANCIAL SERVICES AND CREDIT RELATED OFFERS, AND/OR PARTICIPATING IN ANY OF OUR RELATED TEXT MESSAGE PROGRAMS, YOU SIGNIFY YOUR AGREEMENT TO THE TERMS OF SERVICE.

CreditRiser.co.in's privacy policy applies to your use of the Site, all Service provided by us, your request that CreditRiser.co.in contact you about financial services and credit related offers, and/or your participating in CreditRiser.co.in's Text Message Program, and its terms are made part of these Terms of Service. To review CreditRiser.co.in's Privacy Policy, click here. By using the Site, engaging in the Service, requesting that CreditRiser.co.in contact you about financial services and credit related offers, or participating in any related Text Message Program, you acknowledge you have reviewed CreditRiser.co.in's Privacy Policy and agree to its terms. CreditRiser.co.in's ``Text Message Program`` includes sending text message(s) to CreditRiser.co.in and/or receiving text message(s) from CreditRiser.co.in.

BY USING THE SITE, ENGAGING IN THE SERVICE, REQUESTING THAT CREDITRISER.CO.IN CONTACT YOU ABOUT FINANCIAL SERVICES AND CREDIT RELATED OFFERS, AND/OR PARTICIPATE IN CREDITRISER.CO.IN'S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND CREDITRISER.CO.IN ON AN INDIVIDUAL BASIS ONLY AND NOT AS PART OF ANY CLASS. A ``CLAIM`` IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND CREDITRISER.CO.IN, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TERMS OF SERVICE OR THE ARBITRATBILITY OF ANY CLAIM PURUSANT TO THE TERMS OF SERVICE. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH CREDITRISER.CO.IN. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST CREDITRISER.CO.IN IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST CREDITRISER.CO.IN IN ANY JURISDICTION IN INDIA. THE RULES OF THE INDIAN ARBITRATION ACT THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided however, that the terms of these Terms of Service shall control over any inconsistency between the Rules of the Indian Arbitration Act and the Terms of Service. The arbitrator shall have authority to interpret the Terms of Service, including but not limited to the authority to decide whether any claim is arbitrable under the Terms of Service and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator's jurisdiction, and the enforceability of the Terms of Service.

If you don't agree to these Terms of Service, don't use the Service. We can change these Terms of Service at any time without any notice to you. It is your responsibility to review these Terms of Service from time to time for any changes as it creates a binding legal agreement between you and CreditRiser.co.in.

You have our permission to use the Service, but only if:
you are over 18 years old;
you are using the Service for your own personal use and not for commercial purposes;
you do not copy the Service or any part of the Service;
you do not modify the Service or any part of the Service;
you follow all the rules and restrictions in these Terms of Service.
To ensure that CreditRiser.co.in provides a high-quality experience for you and other users of the Service, you acknowledge and agree that CreditRiser.co.in or its representatives may investigate complaints, allegations of abuse, infringement of third-party rights, or other unauthorized uses of the Service. CreditRiser.co.in is not required to disclose such an investigation unless required to do so by law. CreditRiser.co.in will cooperate fully with any law enforcement agencies in their investigation of potential violation of any applicable laws.

You may need to set up an account in order to use CreditRiser.co.in Services. You should not use someone else's account. When you are setting up your account, you must give us accurate and complete information. This means that you cannot set up an account using someone else's name or contact information, or a phony name or phony contact information. You have complete responsibility for your account and everything that happens in your account. This means you need to be careful with your password. If you find out that someone is using your account without your permission, you must let us know immediately. You may not transfer your account to someone else. We are not liable for any damages or losses caused by someone using your account without your permission. However, if we (or anyone else) suffer any damage due to the unauthorized use of your account, you may be liable.

We are making the Service available to you for your information and personal use only. You may not (and you agree not to) use, copy, distribute, transmit, broadcast, sell, or do anything else with the Service for any other purpose.

You are solely responsible for any User Content you post to the Service, and the consequences of posting or publishing it. By ``User Content``, we mean any Content you post to the Service. ``Content`` means information, data, text, software, music, sound, photos, graphics, videos, messages, tags, interactive features, or any other materials. When we say ``post``, we include posting, uploading, sharing, submitting or otherwise providing User Content in any manner in connection with the Service.

You may not:
use the Service for any illegal purpose;
submit User Content that you don't have the right to submit, unless you have the owner's permission; this includes material covered by someone else's copyright, patent, trademark, trade secret, privacy, publicity, or any other proprietary right;
forge headers or manipulate other identifiers in order to disguise the origin of any User Content you submit;
submit any User Content that contains lies, falsehoods or misrepresentations that could damage us or anyone else;
submit User Content that is illegal, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate;
transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;
impersonate anyone else or lie about your affiliation with another person or entity;
use meta tags or any other ``hidden text`` utilizing any of our trademarks;
upload, launch, post, email or transmit any material (including any bot, worm, scripting exploit or computer virus) that is likely to harm or corrupt the Service, or harm or corrupt our or anyone else's computer systems, or data;
use the Service to harm minors in any way, including posting User Content that violates child pornography laws, child sexual exploitation laws, or any other laws protecting children;
collect or gather other people's personal information (including account information) from the Service;
submit User Content which disparages us or our partners, vendor or affiliates; or
solicit, for commercial purposes, any users of the Service.
We have the sole right, but not necessarily the obligation, to delete at any time any User Content that violates these rules or that we believe to be inappropriate for any reason.

You agree to the following terms regarding participation in any CreditRiser.co.in online forums, including posting any comments on CreditRiser.co.in blog posts or through any social media outlet (collectively, ``CreditRiser.co.in Forums``):
Any User Content you provide to the CreditRiser.co.in Forums must be relevant to the topic.
Do not respond to any questions on the CreditRiser.co.in Forums that have previously been answered on the CreditRiser.co.in Forum.
Any subject line you provide should accurately reflect the subject of the thread.
All User Content must be provided in the relevant forum sections or blog post.
Include as much information as possible when posting on any CreditRiser.co.in Forums.
Any moderating of the CreditRiser.co.in Forums and/or any actions taken with respect to forum or blog content are at the sole discretion of CreditRiser.co.in

If you post User Content, you represent and warrant to us that you either own all the Content you are posting, or you have the right to post the Content. Furthermore, you represent and warrant that you have the right to allow us to make your User Content available for others to view and use as part of the Service without requiring that any such use be subject to additional obligations or terms. If you do not have these rights, do not post the Content. By posting your User Content, you do not lose any ownership rights you may have to it. However, subject to these Terms of Service and our Privacy Policy, you do grant us a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Service and our business, in any media formats or in tangible form and through any media channels now known or hereinafter developed. Subject to these Terms of Service and our Privacy Policy, you also grant each user of the Service a non-exclusive royalty-free, sublicensable and transferable license to access your User Content through the Service, and to use, reproduce, distribute, prepare derivative works of, display and perform your User Content as permitted through the functionality of the Service and under these Terms of Service.

Subject to our Privacy Policy, you understand that once you post User Content, your content may become public. If you don't want the whole world to see some or all of your Content, don't post it on the Service.
In addition, we may be required to disclose your User Content to third parties if we have a good faith belief that access, use, preservation or disclosure of such User Content is reasonably necessary to (a) satisfy any applicable law, rule, regulation, legal process or enforceable governmental request, (b) enforce these Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of CreditRiser.co.in, its users or the public as required or permitted by law.

We do not endorse any User Content or support any views, opinions, recommendations, or advice that may be in user submissions. User Content comes from a variety of sources, and we make no promises about the reliability of any source or the accuracy, usefulness, safety, or intellectual property rights of any user submission. You may be offended by User Content that you see on the Service. You may find some of it to be inaccurate, offensive, indecent, or objectionable. YOU USE ALL USER CONTENT ENTIRELY AT YOUR OWN RISK. YOU AGREE NOT TO HOLD US RESPONSIBLE IN ANY WAY FOR YOUR USE OF THE SERVICE, INCLUDING YOUR EXPOSURE TO USER CONTENT.

CreditRiser.co.in and its suppliers retain all right, title and interest (including all trademark, copyright, trade secret, patent and other rights) in and to the Service and Content which is included in the Service (other than User Content). If you give feedback on the Service, for example recommendations for improvements or features, implementation of that feedback is owned by us and may become part of the Service without compensation to you. We reserve all rights in and to the Service unless we expressly state otherwise. The Service contains proprietary and confidential information that is protected by applicable intellectual property and other laws.
You may not decompile, reverse engineer, disassemble, or otherwise reduce the code embodied in, or otherwise applicable to, the Service to a human-perceivable form, except and only to the extent that such activity is expressly permitted by applicable law, and in that case, only if you notify us in writing in advance. You may not copy, frameset, enclose or otherwise distribute any part of the Service.
All brand, product and service names used in the Service which identify CreditRiser.co.in or our suppliers and our or their proprietary products and services are the trademarks or service marks of CreditRiser.co.in or our suppliers. Nothing in this Service shall be deemed to confer on any person any license or right on the part of CreditRiser.co.in or such supplier with respect to any such image, logo or name.
You agree not to disable, interfere, or try to get around any of the features of the Service related to security, preventing or restricting use or copying of any Content, or enforcing the limits on the use of the Service or the Content on the Service.

We respect the intellectual property rights of others. You may not use the Service to infringe anyone else's copyright or other intellectual property right. If we find out that you are infringing, we may remove your User Content. We do not have to give you notice that we are removing your User Content. We may also terminate your account if we decide that you are a repeat infringer. We consider a repeat infringer to be a user who has been notified of infringing activity more than twice or who has had User Content removed from the Service more than twice.

If you believe that something on the Service violates your copyright, notify us in writing. In order for us to take action, you must do the following in your notice:
provide your physical or electronic signature;
identify the copyrighted work that you believe is being infringed;
identify the item on the Service that you think is infringing your work and include sufficient information about where the material is located on the Service (including which website) so that we can find it;
provide us with a way to contact you, such as your address, telephone number, or e-mail;
provide a statement that you believe in good faith that the item you have identified as infringing is not authorized by the copyright owner, its agent, or the law to be used on the Service; and
provide a statement that the information you provide in your notice is accurate, and that you are authorized to act on behalf of the copyright owner whose work is being infringed.
Again, we cannot take action unless you give us all the required information.

You may obtain a Predictive Rating Grade from CreditRiser.co.in through the Service. The Predictive Rating Grade is made available to you at specified charge, and you are not required to apply for any product or service offered through the Service, if any, in order to obtain the Predictive Rating Grade. The Predictive Rating Grade will explain the various parameters typically used to arrive at your Rating Grade, and include other related features, including an Action Plan that will recommend certain actions for you to take to help you improve your Rating Grade.
To the extent the Predictive Rating Grade includes an Action Plan, or any recommendations or predictions related thereto, they are provided merely as simulated estimates for educational purposes, in an attempt to help you to determine how future financial decisions (e.g., reducing debt or obtaining a new credit) might affect your Rating Grade. While we endeavor to demonstrate how changing one or more variables might impact your Rating Grade, in reality, your actual Rating Grade is determined by factoring in multiple variables simultaneously and may be affected by such factors and other events (including, without limitation, the recalibration of scoring systems by the entities that create or use the scoring systems, data discrepancies or changes that may occur to the data used to determine your actual Rating Grade, circumstances beyond your control) in an unpredictable way.
THE PREDICTIVE RATING GRADE AND ANY OTHER CREDIT ESTIMATES, OR RECOMMENDATIONS OR PREDICTIONS PROVIDED BY THE SERVICE, ARE NOT INTENDED TO AND DO NOT PROVIDE OR CONSTITUTE LEGAL OR OTHER PROFESSIONAL ADVICE. BECAUSE CREDITRISER.CO.IN IS NOT A GRADE REPORTING AGENCY OR FINANCIAL ADVISOR, IT IS NOT, AND CANNOT BE, RESPONSIBLE FOR EITHER THE CONTENT OF YOUR PREDICTIVE RATING GRADE, ITS ACCURACY, OR THE RATING GRADE RANGE DERIVED FROM SUCH REPORT, OR ITS APPLICABILITY TO YOUR CIRCUMSTANCES.
CREDITRISER.CO.IN MAKES NO WARRANTY, REPRESENTATION OR GUARANTEE THAT THE PREDICTIVE RATING GRADE OR ANY OTHER CREDIT ESTIMATE CONTAINS ACCURATE OR COMPLETE INFORMATION, OR THAT ANY RELATED RECOMMENDATIONS WILL RAISE OR OTHERWISE IMPACT YOUR RATING GRADE, ESTABLISH OR REBUILD GOOD CREDIT, OR IMPROVE YOUR CREDIT RECORD, CREDIT HISTORY OR CREDIT RATING.
You may not request a Predictive Rating Grade for anyone other than yourself. You understand that accessing or attempting to access another person's grade report without their express authorization is a violation of federal law and may violate the law of the state in which you reside. By requesting a Predictive Rating Grade, you represent that you are requesting it on your own behalf and not for another.

We may retain information that you provide, and we obtain, during your use of the Service. We may, from time to time, use this information to match you with offers for products and services made available through various Network Subscribers, subject to our Privacy Policy. We will make these offers available to you at your convenience and there will be no obligation to accept any offer.
When you apply for a product or service through the Service, you are establishing a business relationship with CreditRiser.co.in and, in some cases, with companies that also provide products or services through us. If you submit a request or application for a product or service that is made available through the Service by a Network Subscriber, CreditRiser.co.in may share your personal information with Network Subscriber(s) with your permission or as permitted by law and described in CreditRiser.co.in's Privacy Policy. This information may be used by CreditRiser.co.in or provided by CreditRiser.co.in to third parties that may contact you, with respect to (A) your application or request, (B) the status of your application, (C) alternatives available to you in the event your application is rejected, (D) other products or services offered by or through CreditRiser.co.in and its Network Subscribers or (E) as relevant and as permitted by law, obtaining grade report and public records information to verify your identity and process your request or application.

For notices about copyright infringement or any other communications with us (e.g., feedback, comments, or requests for technical support), you should contact us through our customer service department at support.CreditRiser.co.in.

We are not a content-archiving service. We do not promise to store or make available on the Service any User Content that you submit, or any other Content, for any length of time. This includes information previously provided to you in the Predictive Rating Grade or Identity Risk Score, which we may cease providing at any time. You are solely responsible for keeping back-ups of everything you post on the Service.
You acknowledge that temporary interruptions in the availability of the Service may occur from time to time as normal events. Also, we may decide to cease making available the Service or any portion of the Service at any time and for any reason. Under no circumstances will CreditRiser.co.in or its suppliers be held liable for any damages due to such interruptions or lack of availability.

The Service may also include the offer for sale of certain products (whether software, services, or other merchandise) (each, a ``Product``) for an amount in addition to that paid for use of the Service. Any offer for sale or purchase of such Products is subject to the terms of sale and warranty (if any) provisions of the vendor offering the particular Product through the Service (including through any shopping cart for the particular Product). We are not responsible for any such transactions or Products unless we are the vendor, in which case the terms of purchase we have posted for that Product shall apply. Purchase of such Products is optional and voluntary, and you must affirmatively request or consent to purchase any such Product.

CreditRiser.co.in may provide you with access to Network Subscribers solely for your convenience. Some of these Network Subscriber sites may be co-branded (i.e., bear the name and/or logo of both the Network Subscriber and CreditRiser.co.in) or private labelled (i.e., bear the CreditRiser.co.in name, but be fulfilled by a Network Subscriber). The provision of access to a Network Subscriber does not signify an endorsement by CreditRiser.co.in of the Network Subscriber's website or the services offered by that Network Subscriber. CreditRiser.co.in has no control over, does not review, and cannot be responsible for Network Subscriber websites or the content on those sites. Your use of a Network Subscriber website, or services will be subject to the Network Subscriber's terms of use and Network Subscriber's privacy policy. If you decide to use the services of a Network Subscriber, or if you decide to purchase a product from a Network Subscriber, any transaction between you and that Network Subscriber (including any agreement governing such a transaction) will be strictly between you and the Network Subscriber. CreditRiser.co.in has no control over the Network Subscriber's obligations to you, and makes no representations or warranties with respect to the Network Subscriber's products, services or performance. It is your responsibility to take precautions to ensure that Network Subscriber websites are free of viruses or other items of a destructive nature. YOUR USE OF ANY THIRD PARTY SITE, EVEN IF ACCESSED THROUGH CREDITRISER.CO.IN, WILL BE GOVERNED SOLELY BY THE TERMS OF USE AND PRIVACY POLICY OF THAT THIRD PARTY SITE. YOU AGREE THAT CREDITRISER.CO.IN WILL NOT BE RESPONSIBLE OR LIABLE FOR LOSS OR DAMAGE YOU MAY INCUR AS THE RESULT OF A TRANSACTION YOU ENTER INTO WITH A NETWORK SUBSCRIBER, ANY INFORMATION YOU PROVIDE TO A NETWORK SUBSCRIBER, A NETWORK SUBSCRIBER'S COMPLIANCE WITH LAW, OR A NETWORK SUBSCRIBER'S MISUSE OF YOUR INFORMATION.

You are granted a limited, non-exclusive right, which we may revoke at any time, to create a hypertext link to the website found at www.CreditRiser.co.in. If you exercise this limited, non-exclusive right, however, you must agree to the following:
You will not portray CreditRiser.co.in, its affiliates or Network Subscribers or their respective products and services in a false, misleading, offensive, derogatory, or otherwise defamatory manner.
You will not misrepresent your relationship with CreditRiser.co.in nor imply that CreditRiser.co.in sponsors, endorses, or is affiliated with any website, products or services.
You will not replicate, modify, or alter the appearance or content of the Service.
You will not use, frame, or utilize framing techniques to enclose any CreditRiser.co.in trademark, logo, or other proprietary information, the images found in the Service, the content of any text, or the layout and design of any page or form contained on a page on the CreditRiser.co.in website without the express prior written consent of CreditRiser.co.in.
Furthermore, a site that links to the Service:
Must not contain content that could be construed as obscene, libelous, defamatory, pornographic, or inappropriate for all ages;
Must not contain materials that would violate any laws.
If you exercise this limited, non-exclusive right to create a hypertext link to the Service, you agree that the link must be removed at any time, immediately upon CreditRiser.co.in's request.

USE OF THE SERVICE IS AT YOUR OWN RISK. THE SERVICE IS PROVIDED ON A ``AS IS`` AND ``AS AVAILABLE`` BASIS. CREDITRISER.CO.IN AND ITS AFFILIATES, SUPPLIERS, NETWORK SUBSCRIBERS AND PARTNERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
CREDITRISER.CO.IN AND ITS AFFILIATES, SUPPLIERS, NETWORK SUBSCRIBERS AND PARTNERS MAKE NO WARRANTY THAT (A) THE SERVICE OR ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; OR (C) THAT THERE WILL BE NO ERRORS IN THE SERVICE OR THAT CREDITRISER.CO.IN WILL FIX ANY ERRORS. ANY MATERIALS OBTAINED THROUGH USE OF THE SERVICE ARE OBTAINED AT YOUR OWN DISCRETION AND RISK AND CREDITRISER.CO.IN SHALL NOT BE RESPONSIBLE FOR ANY DAMAGE CAUSED TO YOUR COMPUTER OR DATA OR FOR ANY BUGS, VIRUSES, TROJAN HORSES OR OTHER DESTRUCTIVE CODE RESULTING FROM USE OF THE SERVICE OR ANY CONTENT OBTAINED FROM THE SERVICE.
ALTHOUGH CREDITRISER.CO.IN STRIVES TO PROVIDE INFORMATION THAT CONSUMERS MAY FIND HELPFUL, THIS INFORMATION SHOULD NOT BE CONSIDERED CREDIT OR LEGAL ADVICE. YOU SHOULD NOT USE THE GENERAL INFORMATION PROVIDED BY THE SERVICE AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT PROFESSIONAL.

TO THE FULLEST EXTENT PERMITTED UNDER LAW, CREDITRISER.CO.IN AND ITS AFFILIATES, SUPPLIERS, NETWORK SUBSCRIBERS AND PARTNERS HAVE NO OBLIGATION OR LIABILITY (WHETHER ARISING IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OR LIABILITIES (INCLUDING, BUT NOT LIMITED TO, ANY LOSS OF DATA, REVENUE OR PROFIT) ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE OR ANY PRODUCT, SERVICE OR CONTENT PROVIDED BY OR THROUGH THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. THE FOREGOING LIMITATION APPLIES TO DAMAGES ARISING FROM (A) YOUR USE OR INABILITY TO USE THE SERVICE; (B) COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS OR SERVICES PURCHASED THROUGH OR FROM THE SERVICE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR USER CONTENT; (D) THIRD PARTY CONTENT MADE AVAILABLE TO YOU THROUGH THE SERVICE OR (E) ANY OTHER MATTER RELATING TO THE SERVICE. SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF INCIDENTAL, CONSEQUENTIAL OR OTHER TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, CREDITRISER.CO.IN'S LIABILITY AND THE LIABILITY OF EACH OF ITS OFFICERS, DIRECTORS, INVESTORS, EMPLOYEES, AGENTS, ADVERTISERS, LICENSORS, SUPPLIERS, NETWORK SUBSCRIBERS, SERVICE PROVIDERS AND OTHER CONTRACTORS TO YOU OR ANY THIRD PARTIES UNDER ANY CIRCUMSTANCE IS LIMITED TO A MAXIMUM AMOUNT OF THE AGGREGATE FEES YOU HAVE PAID TO CREDITRISER.CO.IN FOR SERVICES IN THE SIX (6) MONTHS PRECEDING THE DATE THE CLAIM AROSE.

You agree to indemnify, defend (if we so request) and hold harmless CreditRiser.co.in and its affiliates, Network Subscribers, suppliers, partners, officers, agents, and employees from and against any claim, demand, losses, damages or expenses (including reasonable attorney's fees) arising from any User Content, your use of the Service, your connection to the Service, your violation of these Terms of Service or your violation of any rights of any third party. Your indemnification obligation will survive the termination of these Terms of Service and your use of the Service.

We may terminate or suspend your permission to use the Service immediately and without notice upon any violation of these Terms of Service, your failure to pay any fees when due, upon the request of law enforcement or government agencies, for extended periods of inactivity, for unexpected technical issues or problems or for engagement by you in fraudulent or illegal activities. If we terminate your use of the Service for any of these reasons or otherwise for cause, we will not refund any fees you may have paid, whether for access to the Service or for Products (if applicable).
You may terminate your use of the Service by closing your CreditRiser.co.in account and/or ceasing to access the Service. If you need help closing your account, please contact us as described in Section 17 above.
Upon any termination we may delete your account, data, passwords and User Content and we may bar you from further use of the Service. You understand that we may also continue to make your User Content available on the Service even if your use of the Service is terminated or suspended. You agree that we will have no liability to you or any third party for termination of your account, User Content or access to the Service.

You may not use, export or re-export any Content or any copy or adaptation of such Content, or any product or service offered on the Service, in violation of any applicable laws, rules or regulations, including, without limitation, in India.

CreditRiser.co.in is not a credit repair organization or similarly regulated organization under other applicable laws, and is not offering to provide or perform any service to you for the express or implied purpose of either improving your credit history or credit rating or providing advice or assistance to you with regard to improving your credit history or credit rating. CreditRiser.co.in does not claim it is able to ``clean up`` or ``improve`` your credit history or credit rating. You acknowledge and agree that you are not seeking to use or access the Service in order to do so.

Because you can access this Site and use the Services internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from India or the country of your residence.

Portions of the Service may be accompanied by additional terms which apply to specific features or areas of the Service. Those additional terms supplement these terms with respect to your use of those features or areas.

CreditRiser.co.in reserves the right to investigate complaints or reported violations of the Website Terms and to take any action CreditRiser.co.in deems appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e- mail addresses, usage history, posted materials, IP addresses and traffic information. CreditRiser.co.in reserves the right to seek all remedies available at law and in equity for violations of the Website Terms, including but not limited to the right to block access from a particular Internet address to any CreditRiser.co.in website. These incorporate by reference any notices contained on the Website and constitute the entire agreement with respect to access to and use of the Website. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Website Terms shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Website Terms will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Website Terms to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable. The website terms shall be governed by and construed in accordance with the Laws of India.
CreditRiser.co.in shall not be deemed to have waived any rights or remedies in the Website Terms unless such waiver is in writing and signed by CreditRiser.co.in. No delay or omission on the part of CreditRiser.co.in in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.
The Website Terms constitutes the entire agreement and understanding between you and CreditRiser.co.in, except as you and CreditRiser.co.in may later agree in writing to modify the Website Terms. The Website Terms supersedes any and all prior agreements and understandings, oral or written, relating to the subject matter contained herein.
YOU AGREE THAT IF YOU WANT TO SUE US, YOU MUST FILE YOUR LAWSUIT WITHIN ONE YEAR AFTER THE EVENT THAT GAVE RISE TO YOUR LAWSUIT. OTHERWISE, YOUR LAWSUIT WILL BE PERMANENTLY BARRED.

Creditriser.co.in is committed to deliver services purchased in the given time frame in the fastest and precise way possible. The Predictive Rating Grade will be dispatched within 3 working days (except Saturday and Sunday IST) from the date of the completion of the data insertion done by you. You will receive the report in PDF format via email. The published reports will be dispatched within 24 to 48 hours after receiving the full payment. The delivery timeline of a customised reports may vary depending upon the client’s needs and requirements.

CREDITRISER Refund and Cancellation Policy

Once the subscription is done then no refund shall be processed but in certain circumstances like double or excess payment, or unable to access the software in subscription time period etc, we shall consider the same, for that please write us a email on refund@creditriser.in along with the reason for the refund.

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