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Terms of Service

  • Effective Date: 21 July 2026 | Last Updated: 21 July 2026
Governed by Indian Law

Please read these Terms carefully. By accessing or using kredscore.in, you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of our Platform immediately. These Terms constitute a legally binding agreement between you and KredScore Technologies Private Limited.

Terms of Service Contents

Definitions

“Platform” means the website kredscore.in and any sub-domains, mobile versions, or associated applications operated by KredScore.

“KredScore” / “we” / “us” / “our” means KredScore Technologies Private Limited, a company incorporated under the Companies Act, 2013.

“User” / “you” / “your” means any individual who accesses or uses the Platform.

“Services” means the CIBIL score facilitation service, credit card comparison tools, financial education content, and any other features available on the Platform.

“Credit Information Company (CIC)” means a company registered under the Credit Information Companies (Regulation) Act, 2005, such as TransUnion CIBIL Limited.

“DSA Partner” means a bank, NBFC, or Direct Selling Agent partner with whom KredScore has a referral or lead-sharing arrangement.

“Content” means all text, articles, graphics, data, tools, calculators, and other materials available on the Platform.

Acceptance of Terms

By accessing, browsing, or using the Platform in any manner, you confirm that:
  • You have read and understood these Terms of Service in full
  • You are at least 18 years of age
  • You have the legal capacity to enter into a binding agreement
  • You agree to comply with all applicable laws and regulations of India

These Terms of Service are effective from the date you first access or use the Platform. If you are using the Platform on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

These Terms must be read in conjunction with our Privacy Policy, which is incorporated herein by reference.

Description of Services

KredScore.in is an independent financial comparison and information platform that provides:

A. CIBIL Score Facilitation Service

We enable users to check their credit score by acting as an authorised intermediary between the user and Credit Information Companies. The score is fetched via a soft enquiry and does not affect your credit rating.

B. Credit Card Comparison Tool

We aggregate and display information about credit cards from various banks and NBFCs across categories including cashback, travel, fuel, lifetime free, and premium. Users can filter, compare, and evaluate cards based on their preferences and CIBIL score range.

C. Financial Education Blog

We publish educational articles, guides, and tips on topics including credit scores, credit card selection, personal finance, and financial planning. This content is for informational purposes only.

D. Lead Referral Service

When you express interest in a financial product, and with your explicit consent, we may refer your details to DSA Partners who can process your application directly. KredScore is a referral intermediary and is not the issuer of any financial product.
KredScore reserves the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice.

Eligibility

To use our Services, you must:
  • Be an Indian resident aged 18 years or above
  • Possess a valid PAN (Permanent Account Number) for CIBIL score check requests
  • Provide accurate, complete, and current information when using any form or feature on the Platform
  • Not be barred from receiving services under applicable Indian law
By using the Platform, you warrant that you meet all eligibility criteria. KredScore reserves the right to terminate your access if we determine that you do not meet these requirements or have provided false information.

User Accounts & Registration

Some features of the Platform may require you to provide personal information through forms. You agree to:
  • Provide truthful, accurate, and complete information
  • Not impersonate any person or submit another individual’s personal data without their explicit consent
  • Not use another person’s PAN, Aadhaar, or identity documents to check their credit score without lawful authorisation
  • Notify us immediately of any unauthorised use of your data by contacting support@kredscore.in
Submission of false or misleading information may result in denial of Services and may constitute an offence under applicable Indian law, including the Information Technology Act, 2000 and the Indian Penal Code / Bharatiya Nyaya Sanhita, 2023.

CIBIL Score Services Specific Terms

Important Disclaimer: KredScore.in is an independent platform and is NOT TransUnion CIBIL Limited. We are NOT a Credit Information Company. The credit score displayed on our Platform is sourced from authorised CIC partners. For official credit reports, visit www.cibil.com.
When you use the CIBIL Score Check feature:
  • You authorise KredScore to act as your agent to request your credit information from authorised CICs on your behalf
  • You acknowledge this is a soft enquiry and will not impact your credit score
  • You confirm that the PAN and personal details you provide are your own and are accurate
  • You agree that KredScore is not responsible for the accuracy, completeness, or timeliness of data provided by the CIC
  • You understand that the score displayed may vary from scores used by lenders and banks for credit decisions
  • You will not use the Service to check another person’s credit score without their lawful written authorisation
Misuse of the CIBIL Score Check feature to access another individual’s credit information without their consent is a violation of the Credit Information Companies (Regulation) Act, 2005 and may be subject to criminal proceedings.

Credit Card Comparison Specific Terms

The credit card information displayed on our Platform is:
  • Sourced from publicly available bank websites, official product documents, and DSA partner data sheets
  • Updated periodically, but may not reflect the most current terms, fees, rewards, or eligibility criteria
  • Provided for comparison and informational purposes only
KredScore does not guarantee the accuracy, completeness, or currency of credit card information on the Platform. Before applying for any credit card, you should verify the current terms, fees, and features directly with the issuing bank.
When you click “Apply Now” or express interest in a card:
  • You may be redirected to the bank’s website or a DSA partner’s system
  • Your personal details may be shared with the DSA Partner with your consent
  • KredScore does not guarantee approval of any credit card application
  • The final credit decision rests entirely with the issuing bank or NBFC
KredScore may receive referral commissions from DSA Partners when you are successfully connected with them. This does not affect the objectivity of our comparisons.

Not Financial Advice

IMPORTANT: Nothing on KredScore.in constitutes financial, investment, legal, or tax advice. All content is for general informational and educational purposes only. Financial decisions, including credit card selection and loan applications, should be made after independent research and, where appropriate, consultation with a qualified financial adviser registered with SEBI or IRDAI.
KredScore is not a:
  • Bank or Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India
  • Investment adviser registered with SEBI
  • Credit counselling agency
  • Insurance company or broker
We do not provide personalised financial advice. Any recommendations or suggestions on the Platform are algorithmic or editorial in nature and are based on publicly available information.

Permitted Use & Prohibited Conduct

Permitted Use

You may use the Platform only for lawful personal, non-commercial purposes in accordance with these Terms.

Prohibited Conduct

You agree NOT to:
  • Use the Platform to check, access, or obtain any other person’s credit information without their express consent
  • Submit false, misleading, or fraudulent personal information
  • Use automated tools, bots, scrapers, or crawlers to extract data from the Platform without our written permission
  • Attempt to reverse engineer, decompile, or disassemble any part of the Platform
  • Introduce viruses, malware, or any other harmful code
  • Attempt to gain unauthorised access to any part of the Platform or its underlying systems
  • Use the Platform to engage in any activity that is illegal under Indian law
  • Reproduce, duplicate, copy, sell, or exploit any portion of the Platform’s Content without our express written permission
  • Use the Platform to send unsolicited communications (spam) to other users
  • Use another person’s credentials or impersonate any individual or entity
Violation of any of the above may result in immediate termination of your access and may be reported to appropriate law enforcement authorities.

Intellectual Property

All content on the Platform — including but not limited to the KredScore name, logo, brand identity, articles, blog posts, comparison tools, calculators, graphics, page layout, and database compilations — is the exclusive property of KredScore Technologies Private Limited or its licensors, and is protected under:
  • The Copyright Act, 1957
  • The Trade Marks Act, 1999
  • The Information Technology Act, 2000
  • Other applicable Indian intellectual property laws
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial purposes. This licence does not permit you to:
  • Copy, distribute, or publicly display Content without permission
  • Create derivative works based on our Content
  • Use the KredScore name, logo, or branding in any manner
Third-party trademarks, bank logos, and product names displayed on the Platform for comparison purposes remain the property of their respective owners. Their display does not imply endorsement of KredScore by those entities.

Disclaimer of Warranties

THE PLATFORM AND ALL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by applicable Indian law, KredScore disclaims all warranties, including but not limited to:
  • Warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Warranties that the Platform will be uninterrupted, error-free, or free of viruses
  • Warranties regarding the accuracy, completeness, or timeliness of credit scores, credit card information, or other content
  • Warranties that results obtained from using the Platform will be accurate or reliable
Credit score information is sourced from CICs and KredScore makes no representation regarding its accuracy. Actual scores may differ from those displayed on the Platform.

Limitation of Liability

To the maximum extent permitted by applicable Indian law:
  • KredScore Technologies Private Limited, its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform
  • Our total liability to you for any claim arising from or related to the use of the Platform shall not exceed ₹1,000 (Indian Rupees One Thousand) or the amount you paid to us for Services in the preceding 12 months, whichever is lower
  • We shall not be liable for: (a) credit decisions made by banks or NBFCs; (b) inaccuracies in credit information provided by CICs; (c) financial losses from credit card or loan products applied through our Platform; (d) service interruptions, data loss, or system failures
Nothing in these Terms excludes liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

Indemnification

You agree to indemnify, defend, and hold harmless KredScore Technologies Private Limited, its directors, officers, employees, partners, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:
  • Your use or misuse of the Platform or Services
  • Your violation of these Terms of Service
  • Your submission of false, inaccurate, or fraudulent personal information
  • Any unauthorised use of another person’s data or identity on the Platform
  • Your violation of any applicable Indian law or regulation
  • Your infringement of any intellectual property or other rights of any third party

Governing Law & Dispute Resolution

Governing Law

Governing Law These Terms of Service and any disputes arising from your use of the Platform shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended). The arbitration shall be:
  • Conducted by a sole arbitrator mutually appointed by both parties
  • Held in [City, India]
  • Conducted in the English language
Nothing in this clause prevents either party from seeking urgent interim relief from a court of competent jurisdiction.

Jurisdiction

Subject to the arbitration clause above, both parties submit to the exclusive jurisdiction of the courts located in [City, State], India for the purposes of any proceedings that cannot be resolved through arbitration.

Consumer Disputes

Nothing in these Terms prevents you from exercising your rights under the Consumer Protection Act, 2019, including filing a complaint with the appropriate Consumer Disputes Redressal Commission.

Modifications to Terms

KredScore reserves the right to modify, update, or replace these Terms of Service at any time. When we make material changes:
  • We will update the “Last Updated” date at the top of this page
  • We may notify you via email or a prominent notice on the Platform
  • For significant changes, we may request fresh acceptance of the updated Terms
Your continued use of the Platform after changes are posted constitutes your acceptance of the revised Terms. If you disagree with any changes, you must discontinue use of the Platform.

Termination

KredScore may, at its sole discretion and without prior notice, restrict, suspend, or permanently terminate your access to the Platform if:
  • You breach any provision of these Terms
  • We are required to do so by law or regulatory order
  • Your conduct is harmful to other users, third parties, or the reputation of KredScore
  • We decide to discontinue the Services
Upon termination, your right to use the Platform ceases immediately. Sections 9, 10, 12, 13, 14, and 15 of these Terms shall survive termination.
You may discontinue using the Platform at any time. To request deletion of your data, see Section 18.

Grievance Officer & Contact

Grievance Officer

In accordance with the Information Technology Act, 2000 (Section 79) and the Consumer Protection Act, 2019, the details of our Grievance Officer are:

Name: [Grievance Officer Name]

Designation: Grievance Officer

Company: KredScore Technologies Private Limited

Email: grievance@kredscore.in

Address: [Registered Office Address, City, State, PIN Code, India]

Response Time: Within 30 days of receiving a complaint

General Contact

Statutory Disclaimer

Display of bank names, credit card names, and product information on this Platform is for comparison purposes only. KredScore is not affiliated with any bank or financial institution. All registered trademarks belong to their respective owners. KredScore does not guarantee any financial product or service mentioned on this Platform.