Terms & Conditions

These Terms and Conditions have been made in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011

The domain name https://credittriangle.com (hereinafter referred to as “Website”) is owned by Credify Advisory Private Limited (hereinafter referred to as “The Company/us”).It is also clarified that other websites owned and monitored by the Company including the terms and conditions detailed at URL https://personalsolution.crif.in/media/3r0mag1a/sicurnet_india_tc-22-11-21.pdf shall also fall within the purview of these Terms and Conditions.

  • Any access of our Website, services and tools will be governed by the following terms and conditions (“Terms and Conditions/Agreement”).When a user uses thisWebsite, it indicates that you are contracting with The Company and these Terms and Conditions impose binding obligations on you. Please read the Terms and Conditions thoroughly before you proceed any further to use the Website.
  • The Companyreserves the right to change or revise the Terms and Conditions at any time without notice to you by posting any changes or a revised Terms and Conditions on this Website. The Company encourages you to review this Terms and Conditions whenever you visit the Website to make sure that you understand the terms and conditions governing use of the Website.
  • The Company may terminate your access at any time for any reason. The provisions regarding a disclaimer of warranty, accuracy of information and indemnification shall survive such termination.
  • The term Services in these Terms and Conditions refer to the various products and services that are made available by the Company,from time to time, through its Website or other websites.

In this document, “you”, “your” or “user/User” refers to natural or legal person , who has the competence to enter into a contract as per the provisions of Indian Contract Act 1872, and is desirous of availing any service through The Company.

Entire Agreement

The Services provided by The Company are subject to these Terms and Conditions, which set out the entire understanding and agreement between us.

Registration and use of Services

  • Please register on the Website and create an account (“User ID”) for accessing the Services. To register and activate your User ID, you will be required to provide your personal information (phone number and email ID) to The Company.If required, your bank account details will be obtained from the respective credit information companies that The Company will be liasing with.
  • You may be required to provide certain documents or information in order to avail our Services. To understand how such information is collected and used, please refer to our Privacy Policy available on our Website. If these Terms and Conditions read with the Privacy Policy are not acceptable to you, please do not provide any of your information to The Company. Please note that we may not be in a position to provide you the Services or a part thereof in the absence of full information.
  • Activation of certain services provided by the Company or through third party where Company is affiliated may take several days which shall be informed accordingly to you
  • You through these Terms and Conditions authorise the Company including its service partners for the processing of its data within the scope and for the purposes of the services availed by you
  • The Company shall have the sole right to reject your request for registering with the Website if the complete information is not provided.
    1. The User ID for your own personal, non-commercial use and that the information and documents you provide to the Company do not belong to any third person.
    2. All details and documents that you provide to the Company are true, complete and accurate and supported by genuine and valid documents submitted to the Company. You further confirm that all such information and documents shall remain current, complete and accurate at all times as long as your User ID remains valid.
    3. The Company may request for certain documents from time to time and you shall provide the same.You shall indemnify the Company for any loss, damage, claim, action, costs, charges and expenses which the Company may suffer or incur on account of relying on documents and information provided by you.
    4. You shall not share, assign or transfer your User ID or disclose your password to any third party.
    5. The User agrees and understands that the User is responsible for maintaining the confidentiality of passwords associated the Website to access the Services. Accordingly, the User agrees that it will be solely responsible to the Company for all activities that occur under the User’s account. If the User becomes aware of any unauthorized use of his / her password or account, the User agrees to notify the Company about the same bysending an email to us ()with subject line ‘UNAUTHORIZED ACCESS OF MY USER ID’.

Fees and costs

The respective charges for the various Services are indicated on our Website. The charges paid towards availing the Services are non-refundable.

Once registered, unless a User completes the payment for availing one or more Services, The Company shall have no obligation to provide the Services.

Scope of Services

The Company provides Services for finding easy solutions to complex financial problems and helps to fix bad credit in any form, ensuring financial security against any kind of fraud/ID theft to the users including data monitoring service on various websites, in order to identify and, if necessary, prevent any fraudulent use of such data to the detriment of the Customer, supporting them in the management of their data in different computer environments.

Modification of Services

The Company has the right to discontinue, change or modify the Service (by addition, deletion or modification) from time to time. However, The Company does not have any obligation to issue a refund to the user on account of discontinuation or termination of the Services, whether at the option of the Company or the User.

Modification of Services

  • All the Intellectual Property Rights (which shall mean and include all present and future rights conferred by statute, common law or equity in or in relation to any copyright, know-how, trade marks (whether registered or not), business names (whether or not registered), domain names, inventions, discoveries, patents, patent applications, designs, circuit layouts and all other intellectual property) in connection with Services provided by The Company or the information uploaded on the Website vests with The Company on its creation.
  • The software, text, images, graphics, video and audio used on this Website belong to The Company who owns the same. No material from this Website may be copied, modified, reproduced, republished, uploaded, transmitted, adopted, posted or distributed in any form whatsoever without prior written permission from The Company in ownership of the said content. All rights not expressly granted herein are reserved. Unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws, and could result in criminal and/or civil actions. Credit Triangle is a registered trademark of The Company. This trademark may not be used in any manner without prior written consent/license/authorization fromTthe Company.
  • Permission is hereby granted to electronically copy and to print in hard copy, limited portions of the materials published by The Company on this Website for the sole purpose of using material/information contained therein for personal information and non-commercial use only. Except in connection with personal informational and non-commercial use, none of the Contents may be copied, reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, transmitted, adopted, recorded, in any manner mirrored, photocopied, or reproduced without the prior written permission of The Company or the applicable copyright owner. Any other use of materials/ information on the Website, including any commercial use, reproduction for purposes other than that noted above, modification, distribution, or republication without the prior written permission of The Company is strictly prohibited and may violate copyright or trademark laws.
    The Company is not responsible for any damages resulting from use of this Website by anyone. You will not use the Website for illegal purposes. You will (1) abide by all applicable local, state, national, and international laws and regulations in your use of the Website (including laws regarding intellectual property), (2) not interfere with or disrupt the use and enjoyment of the Website by other users, (3) not resell material on the Website, (4) not engage, directly or indirectly, in transmission of "spam", chain letters, junk mail or any other type of unsolicited communication, and (5) not defame, harass, abuse, or disrupt other users of the Website
    All contents on this Website are protected by copyright. Except as specifically permitted herein, no portion of the information on this Website may be reproduced in any form, or by any means, without prior written permission from The Company. Visitors or users are not permitted to modify, distribute, publish, transmit or create derivative works of any material found on this site for any public or commercial purposes.

Limitation of Liability

  • In no event will the Company be liable for damages of any kind, including without limitation, direct, incidental or consequential damages (including, but not limited to, damages for lost profits, business interruption and loss of programs or information) arising out of the use of or inability to use the Website or any other website that the user is directed to from this Website, or any information provided on the Website or any other website that the User is directed to from this Website, or the Services provided. Some jurisdictions do not allow the limitation or exclusion of liability. Accordingly, some of the above limitations may not apply to the User. If, despite the limitation above, the Companyis found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of the Company will in no event exceed, in the aggregate, the service fees you paid to The Company in connection with such transaction(s) on this Website.
  • The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed its essential purpose.The Company does not accept any responsibility towards the contents and/or information practices of third party sites which have links through the Website. The said links to internal or external website locations are only for the purpose of facilitating your visit or clarify your query. The Website, and all content, materials, information, software, products and services provided on the Website, are provided on an "AS IS" and "AS AVAILABLE" basis. The Company expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
  • The Company shall have no responsibility for any damage to a User's computer system or loss of data that result from the download of any content, materials, information from the Website.
  • The information contained in this Site has been obtained from sources believed to be reliable. The Company disclaims all warranties as to the accuracy, completeness or adequacy of such information.

Indemnity

You agree to indemnify, defend and hold harmless The Company and any of its contractors, agents, employees, officers, directors, shareholders, affiliates and assigns from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of (1) the breach of your representations and obligations under this Terms and Conditions (2) the Website content or your use of the Website content and/or Services for any illegal purposes; (3) any violations of intellectual property or other proprietary right of any person or entity; (5) your violation of any provision of this Terms and Conditions; or (6) the submission of any data or material that is in violation of any applicable law or third party website.

When The Company is threatened with suit or sued by a third party, The Company may seek written assurances from you concerning your promise to indemnify The Company; your failure to provide such assurances may be considered by The Company to be a material breach of this Terms and Conditions. [Business Name] will have the right to participate in any defense by you of a third-party claim related to your use of any of the Website content or Products, with counsel of [Business Name] choice at its expense. The Company will reasonably cooperate in any defense by you of a third-party claim at your request and expense. You will have sole responsibility to defend The Company against any claim, but you must receive The Company prior written consent regarding any related settlement. The terms of this provision will survive any termination or cancellation of this Terms and Conditions or your use of the Website or Services.

Suspension & Termination

  • The Company reserves the right to terminate your access to the Website if it reasonably believes, in its sole discretion, that you have breached any of the Terms and Conditions Following termination, you will not be permitted to use the Website and The Companymay, in its sole discretion and without advance notice to you, cancel providing you the Services. If your access to the Website is terminated, The Company reserves the right to exercise whatever means it deems necessary to prevent unauthorized access of the Website. This Agreement will survive indefinitely unless and until The Company chooses, in its sole discretion and without advance to you, to terminate it.
  • These Terms and Conditions shall be binding on you from the time you click and accept these Terms and Conditions as the case may be, and will continue until either you or The Company terminates the Agreement.
  • In case of any breach of Terms and Conditions by you, The Companymay terminate the Agreement and as a result de-activate your User ID forthwith sending an email to the registered email address.
  • If you wish to terminate the Agreement, you can request for deactivating the User ID by writing to us []. at care[at]credittriangle[dot]com. We will deactivate the ID within 3 Business Days.
  • Once the Agreement is terminated, your right to access and/or use the Service(s) will cease immediately and you will no longer be able to log on to the website using your User ID. Any personal information that is in the possession of The Company will be dealt with in accordance with our Privacy Policy.

Assignment

The license granted to you by these Terms and Conditions is personal to you and you shall not assign or transfer any of your rights or obligations without our prior written consent.

Waiver

Any failure or delay on the part of The Company or you in exercising any right or remedy hereunder shall not operate as a waiver thereof. Any waiver (express or implied) by either party of any default or breach of these terms shall not constitute a waiver of any other or subsequent default or breach.

Permitted use

  • The Services facilitated by the Company will be availed by you for personal and non-commercial use and shall not be used by you for illegal purposes or in a manner that directly or indirectly violates the rights of other users and/or third parties
  • All information or other materials available on the Website, logos, trademarks etc are the property of The Company and/or its licensors and are protected by copyright and/or other applicable intellectual property right laws.
  • Use of the information available on this Website that may violate copyright, trademark and other applicable laws will result in legal action.
  • All rights, title and interest in the Website and the Services provided are exclusively reserved by The Company. You shall have no right toto use the Website or avail our Services in violation of these Terms and Conditions.

Severability

If any of these Terms and Conditions are held to be invalid, illegal or otherwise unenforceable by a Court, such provision will be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law, and if no feasible interpretation will save such provision, it shall be severed from these Terms and Conditions as the case may be, and the remaining provisions remain in full force and effect.

Severability

You hereby give full consent to:

  • The use of the Personal Information by the Company including its affiliated partners providing service invariably in respect to services provided by CRIF. The
  • to the Personal Information being disclosed by the Company including its affiliated partners providing service to any third party including any insurer, other parties who will be either providing the add-on insurance or other benefit and/or services on each of the Plan(s) for the purposes of fulfilment of the services or if required by law recording phone calls between the Customer and service provider in order for the Company including its affiliated partners providing service to inter alia (i) provide a record of the instructions received from the Customer and to share the same with the Service Partners, if required, (ii) allow itself or its service partners to monitor quality standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.
  • For the Company including its affiliated partners providing service provide customized recommendations and offers on services of CRIF or its business partners and affiliates.
  • Expressly waive any and all rights available to you under any other applicable law in relation to the offers or solicitations made under this Agreement.

Privacy Policy

Our Privacy Policy details the type of personal information and data that we collect about you when you visit the Website, orsubscribe to our Services or communicate with us. This Policy shall be read together with these Terms and Conditions.

Warranties

  • The Companyshall provide the Services on a best efforts basis.
  • Notwithstanding the above, The Company does not warrant, and hereby expressly disclaims all warranties, express or implied for any particular purpose, performance, accuracy, completeness or non-infringement.
  • The Companydoes not provide any warranty that the Services will meet your requirements or that it will be error free or without any deficiencies.
  • The Company does not make any warranty that: a) the Website will meet your requirements; b) the Website will be available on an uninterrupted, timely, secure, or error-free basis; c) the results that may be obtained from the use of the Website or any services offered through the Website will be accurate or reliable.
  • The User's right to privacy is of paramount importance to the Company. Any information provided by the User will not be shared with any third party. The Company reserves the right to use the information to provide the User a more personalized online experience.
  • The Website provides links to websites and access to content, and services from third parties, including users, advertisers, affiliates and sponsors of the Website. You agree that the Company is not responsible for the availability of, and content provided on, third party websites. The User is requested to peruse the policies posted by other websites regarding privacy and other topics before use. The Company is not responsible for third party content accessible through the Website, including opinions, advice, statements and advertisements and User shall bear all risks associated with the use of such content. The Company is not responsible for any loss or damage of any sort that a User may incur from dealing with any third party.
  • The Company may send SMS/messages to the Users in connection with the Services as specified in the Terms and Conditions. If you should no longer wish to receive such messages/SMS, you may undertake to call or Email the Company with their mobile number and ask to be blocked from receiving further messages.

Grievance Officer

If the User wishes to raise any dispute, he or she may send an email to the Grievance Officer at this email id nodalofficer@credittriangle.com, with the subject line DISPUTE.

Governing Law & Jurisdiction

These Terms and Conditions will be governed by and interpreted in accordance with the laws of the India.

In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of theGrievance Nodal Officer are provided below:

Name: Nodal Officer

Address: 325, IJMIMA Complex. Raheja Metroplex, Mindspace, Mumbai, Maharashtra 400064

Phone No: +91 90043 00296

Email id: nodalofficer@credittriangle.com

If the matter is not resolved at the first instance by the concerned Grievance officer than the same may then be settled by arbitration by a single Arbitrator appointed by the Companies. The arbitration shall be held, in Mumbai, in accordance with the provisions of the Arbitration and Conciliation Act, 1996.

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