1. Collection of Credit Score and KYC Details
1. Purpose: We collect credit scores and Know Your Customer (KYC) details to assess and verify the identity, financial standing, and credit-worthiness of our customers and potential customers for the provision of our financial services
2. Consent: By using our website and submitting your credit score and KYC details, you consent to the collection, use, and storage of this information in accordance with our Privacy Policy.
3. Accuracy: You agree that the credit score and KYC details you provide are accurate, complete, and up-to-date to the best of your knowledge.
4. Authorization: You authorize us to verify the information provided and to obtain additional information from third parties, including credit bureaus, for the purposes outlined in these terms.
2. Use of Information
1. Confidentiality: We maintain strict confidentiality of your credit score and KYC details, except where disclosure is required by law or for the purposes specified in our Privacy Policy.
2. Security: We employ industry standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction.
3. Retention: We retain your credit score and KYC details only for as long as necessary to fulfil the purposes for which it was collected, unless a longer retention period is required by law.
3. Disclosure of Information
1. Third Parties: We may disclose your credit score and KYC details to third parties, including our affiliates, service providers, regulatory authorities, and as required by law.
2. Marketing: We may use your information to send you marketing communications about our products and services, unless you opt out of receiving such communications.
4. Amendments
1. Modification: We reserve the right to modify these terms and conditions at any time without prior notice. The updated terms will be posted on our website, and it is your responsibility to review them periodically.
5. Governing Law
1. Jurisdiction: These terms and conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Raipur, Chhattisgarh, India.
6. Contact Us
1. Queries: If you have any questions or concerns about these terms and conditions or our privacy practices, please contact us at help@creditsea.com.

CRIF Terms and Conditions

1. I hereby appoint CreditSea as my lawful agent to receive my Credit Report/credit history (“Credit Information”) from Credit Information Companies (“CICs”).
2. I further authorize the Company to share with CICs, my personal information/details to procure my Credit Information on a monthly frequency and use the same to provide me with financial service (“Purpose”).
3. I understand and acknowledge that the CIC shall not be liable under law or equity, in any manner whatsoever, for providing my Credit Information to the Company and I will not raise any claim or objections against the CIC.
4. I confirm that this consent is given by my free will and not due to any solicitation by any person/entity.
5. This consent/authorization shall be valid for (i) a maximum period of 06 (six) months, from the date of giving the same, (ii) satisfying the Purpose or (iii) until I withdraw my consent at any time, by informing the same to the Company, at their registered office address, website, assigned email id or mobile application, whichever is earlier.
6. I also consent to the CRIF High Mark Credit Score Terms of Use mentioned herein below separately.

CRIF HIGH MARK - Credit Score Terms of Use

In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by CRIF High Mark Credit Information Services Pvt. Ltd. (“CIC/ CRIF”) through CreditSea (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

1. The Company is my lawfully appointed agent, and he / it has agreed to be my agent obtain my Credit Information Report and Credit Score from CRIF High Mark Credit Information Services Pvt. Ltd (CRIF High Mark) for the purpose of including but not limiting to receive your credit information from Bureau and to keep record of day-to-day changes in your credit information and not for any other purposes. This consent shall be valid for a maximum period of 6 months or till such time the credit information is required to be retained to satisfy the purpose for which it was intended, or I withdraw my consent to store such credit information, whichever is earlier.
2. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
3. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, wherever authorized by me; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company;
4. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.
5. I agree that I may be required to record my consent / provide instructions electronically or physically as the case may be, and in all such cases I understand that by clicking on the "I Accept" button below or signing this Consent physically, I am providing "written instructions" to the Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from CRIF High Mark. I further authorize Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button or signing this Consent physically, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy, and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.
6. I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit Information from CIC.
7. By submitting this registration form, I understand that I am providing express written instructions for Company to request and receive a copy of my consumer credit report and score from CIC.
8. I understand that the product is provided on an “as-is”, “as available” basis and CIC expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.
9. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all losses resulting from claims made against CIC by third parties arising from and in connection with this letter.
10. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof.

By using our website and providing your credit score and KYC details, you acknowledge that you have read, understood, and agreed to these terms and conditions and our Privacy Policy.