Paisabazaar Credit Score Service

TERMS OF USE

Paisabazaar Credit Score Service (Service) is an online service that enables you to access your Credit Score/Report based on the data supplied by our third party data processing service provider, Experian Credit Information Services Private Limited (Processing Service Provider). The Service consists of receipt of your credit report/score. This information is for your personal use only, report subject to your agreement to the provisions set forth below.


Please read the following provisions carefully before using this Service. If you do not agree with any of these provisions, you should not use this Service. By accessing or using this Service you agree to be bound by these Terms of Use.


Subject to the Terms of Use, Paisabazaar Marketing and Consulting Private Limited (Paisabazaar) will provide the Service to you. By clicking "I AGREE," you indicate that you understand and agree to these Terms of Use.


1. REQUEST FOR SERVICE

You agree that by filing up your details in the Credit Report Request (Request Form) and requesting the Service you are providing "written instructions" to Paisabazaar and you authorize and instruct the Processing Service Provider, its affiliates and suppliers, to obtain, and compile your credit information in order to provide the Service to you and you authorize Paisabazaar to provide the Service to you through the Website www.paisabazaar.com. You agree that the Service is provided for informational purposes only and is intended to provide helpful information concerning the subjects that it addresses. You agree that by processing your request for the Service as provided herein, Paisabazaar is not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. The processing of your request (Services) will start after receipt of your Request Form with the relevant documents.


2. AUTHORIZATION

You must be at least 18 years of age to use the Service, and you must be the subject of the credit report that you are seeking. You agree not to use the Request Form to attempt to obtain Credit Report about any other person other than you.


You hereby authorize Paisabazaar to do all of the following in connection with providing you the Services: (i) verify your identity and share with our Processing Service Provider certain personal identifiable information about You; (ii) request and obtain your Credit report, including your score from our Processing Agent throughout the term in which we provide you the Services; such request constitutes "written instructions" and (iii) use and retain your credit information, along with the other information you have given us access to under this Authorization, to provide the Services and use with other Paisabazaar services.You agree that we may use and analyze your information as follows: (a) present you an overview of your credit profile including detailed information, where available; (b) provide you with customized recommendations and general information to sell or offer the products and services of Paisabazaar; (c) serve you targeted ads and other communication based on your information; and (d) providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.Paisabazaar may send you information via email, text or online display or other means of delivery in Paisabazaars reasonable sole discretion. We may also aggregate and evaluate your information to do statistical analysis to provide historical or comparative information about your data. You hereby agree that your authorization shall be contiguous with your account with Paisabazaar, which will enable Paisabazaar to provide you with your credit report from time to time. This authorization shall immediately and automatically terminate with the deactivation of your account.


We will obtain your prior consent if we use your identifying information for any other purpose not expressly permitted under these Terms. Please refer to ourPrivacy Policyfor more information.


3. YOUR ACCOUNT

If you use the Service, you are responsible for maintaining the confidentiality of your account, login IDs and password, and for restricting access to your computer. It is your responsibility to protect your computer system from such items viruses, and other harmful and destructive items. You agree to accept responsibility for all activities that occur under your account or password including any request from your account. We strongly recommend that you exit from your account at the end of each session. You agree to notify Paisabazaar immediately of any unauthorized use of your account or any other breach of security. Paisabazaar reserves the right to refuse service, terminate accounts, or remove in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of this Terms of Use or Privacy Policy. Additional Standard terms and conditions of the Processing Service Provider will apply to your use of this Service.


4. DISCLAIMER OF WARRANTIES AND LIABILITY

This Service is for informational purposes only, and is intended to provide helpful and informative material on the subjects addressed. Paisabazaar does not control your credit score, which is a statistical analysis of information contained in your credit file as maintained in the system and database of Processing Service Provider, and we cannot change that information for you. However, if information in your report is inaccurate and is affecting your score, you have the right to dispute it by contacting the Processing Service Provider at consumer.support@in.experian.com.


INFORMATION AND/OR SERVICES OFFERED ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, INCLUDING WARRANTIES OF CORRECTNESS, COMPLETENESS, ACCURACY MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. IN NO EVENT WILL PAISABAZAAR BE LIABLE TO ANY PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THIS WEB SITE, OR ANY LINKED WEB SITE, INCLUDING WITHOUT LIMITATION, LOST PROFITS, LOSS OF USE, BUSINESS INTERRUPTION, OR OTHER ECONOMIC LOSSES, LOSS OF PROGRAMS OR OTHER DATA, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER ACTION, EVEN IF PAISABAZAAR IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.


5. RESTRICTIONS

You agree to provide true, accurate and current information such as your full name, date of birth and address of residency etc in the Request Form. The Service provided herein is subject to you providing true and accurate information in the Request Form and providing all the required process documents as requested by Paisabazaar. Each request is for one person only, we do not accept joint request. A Service request may be rejected by the Processing Service Provider in the event the particulars furnished by you and Process Documents do not match the information existing with in the Processing Service Provider You/customer, for any reason whatsoever, including but not limited to, data rejected by the data collection system maintained by Processing Service Provider or incomplete upload of data provided by You in relation to this Service. Paisa Bazar shall inform you of such rejection. You hereby agree to be bound by the relevant terms of use of the website of the Processing Service Provider.


6. CONFIDENTIALITY

Since it affects your use of the Services, please review our Privacy Policy and Terms of Use of this Website. We collect, use and disclose information about you as provided in our Privacy Policy. Our Privacy Policy is located on the Website and is incorporated into this Agreement, and you agree to accept the terms of the Privacy Policy as a condition to your acceptance of this Agreement.


We use all reasonable physical, administrative, technical and organizational measures to help protect your personal identifiable information from any loss, unauthorized access or use, or modification or disclosure thereof. We will not share your Personal Identifiable Information including Credit Reports except (1)as necessary for us to process you Request Form, (2) as permitted by law, and (3) as required by the government, law enforcement or an order of the court.


7. IMDEMNIFICATION

You agree to indemnify, defend and hold harmless Paisabazaar and its affiliates, and their respective officers, directors, employees, agents, licensors and suppliers, and any third party providers of information to this Service, from and against any and all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from your violation of these Terms of Use or any terms and conditions applicable to Service, or your violation of the intellectual property rights of Paisabazaar, Processing Service Provider, or any of those other parties.


8. LINKS TO OTHER WEB SITES:

For purposes of convenience, Paisabazaar's site contains links to third party Web sites. Paisabazaar makes no representations or warranties about any third party Web site that you may access through the links. By providing a link to those Web sites, Paisabazaar does not endorse, adopt, or otherwise accept any responsibility for the content or use of those Web sites.


9. APPLICABLE LAWS AND JURISDICTION

These Conditions shall be governed by and understood in accordance with Indian laws, more specifically the Credit Information Companies (Regulation) Act, 2005, Rules and Regulations made there under and Courts in the city of Gurgaon, Haryana will have exclusive jurisdiction.


10. OTHER TERMS AND CONDITIONS

(a)The terms and conditions mentioned herein may be modified by Paisabazaar in its sole discretion from time to time. (b) The rights granted in this Agreement are personal. You may not assign, sub-license or otherwise transfer any of your rights under these conditions. (c) If a court finds any part of these conditions to be invalid, the remaining parts of these conditions shall continue unaffected. (d) If either of us fails to exercise any right or legal remedy available to either you or us any such failure shall not prevent you or us from relying on these at a later date. (e) Headings in these Conditions are for convenience only and will have no legal meaning or effect. (f) In case of any conflict between the terms and conditions of Paisabazaar as applicable to this service and those of the Processing service provider, the terms and conditions of Paisa bazaar shall prevail. However, nothing contained herein shall override any provision of the applicable statute(s) in case of any express conflict. (g) In addition to these terms and conditions as applicable to this service, you agree to be bound by the terms and conditions for the use and access of the website as stated under this website.

11. CONTACT US DETAILS

In case of any queries with respect the Services, please you can write us at creditreport@paisabazaar.com or call Toll Free 1800 102 7718.