Terms & Conditions

1. Acceptance of terms

By accessing, browsing or using the Score Mithra Fintech Services website, mobile application or any related service, you agree to be bound by these Terms & Conditions and our Privacy Policy.

If you do not agree with any part of these terms, you should not access or use our services.

2. Our services

Score Mithra Fintech Services provides digital tools and services designed to help users access, understand and manage their credit information.

Our services may include:

• Access to credit scores and credit report information.
• Credit report summaries and personalised insights.
• Identification of potentially negative or inaccurate credit information.
• Credit improvement and repair-related guidance.
• Assistance with submitting and tracking authorised credit disputes.
• Credit-related alerts, notifications and educational content.

The availability of particular services may depend on your eligibility, consent, selected plan and the availability of information from third-party providers.

3. Eligibility

Score Mithra Fintech Services services are intended for individuals who are 18 years of age or older.

By using our services, you confirm that you are legally capable of entering into these Terms & Conditions and that the information you provide is accurate and belongs to you.

4. Account & user responsibilities

Certain features may require you to create an account. You are responsible for keeping your account information accurate and maintaining the confidentiality of your login credentials.

• Provide accurate and complete information.
• Keep your login credentials confidential.
• Notify us promptly if you suspect unauthorised access.
• Use the service only for lawful and authorised purposes.
• Do not impersonate another person or provide information belonging to another individual without authorisation.

5. Credit information

Credit scores and credit reports displayed through Score Mithra Fintech Services are based on information received from credit bureaus and other authorised data sources.

Credit information may differ between bureaus because each bureau may maintain different records, reporting dates or information received from lenders.

Score Mithra Fintech Services does not guarantee that your credit score will increase, decrease or remain unchanged as a result of using our services.

6. Credit bureau services

Where applicable, Score Mithra Fintech Services may connect with credit bureaus including TransUnion CIBIL, Experian, Equifax and CRIF High Mark to retrieve your credit information.

Such access may require your explicit consent and successful identity verification.

Score Mithra Fintech Services does not control the information maintained by independent credit bureaus. Any correction to information maintained by a bureau may be subject to that bureau's own verification and dispute process.

7. Payments & subscriptions

Certain Score Mithra Fintech Services services may be available only through paid plans or subscriptions.

• Applicable fees will be displayed before you complete a purchase.
• Payments may be processed through third-party payment gateways.
• You are responsible for providing accurate billing information.
• Subscription terms, renewal conditions and applicable cancellation or refund policies will be communicated where applicable.

We reserve the right to change applicable service fees with appropriate notice where required.

8. Credit disputes & repair services

Where offered, Score Mithra Fintech Services may provide tools or assistance for identifying potentially inaccurate credit information and submitting disputes.

We do not guarantee that a dispute will be accepted, corrected or resolved in your favour. The final decision regarding the accuracy of credit information rests with the relevant bureau, lender or information provider.

You authorise us to submit information and requests on your behalf only when you have provided the required consent.

9. Acceptable use

You agree not to misuse the Score Mithra Fintech Services website, app or services.

• Attempt to gain unauthorised access to our systems.
• Use another person's account or credit information without permission.
• Submit false, misleading or fraudulent information.
• Interfere with the operation or security of our services.
• Copy, reproduce, distribute or commercially exploit our content without permission.
• Use automated methods to access or collect data from our services without authorisation.

10. Third-party services

Our services may depend on third-party providers, including credit bureaus, payment gateways, hosting providers and communication services.

Third-party services may have their own terms, policies and privacy practices. Score Mithra Fintech Services is not responsible for the independent policies or availability of third-party services.

11. Disclaimers & limitations

Score Mithra Fintech Services provides credit information, insights and educational tools for informational and assistance purposes. Our services should not be considered financial, legal or investment advice.

We do not guarantee the accuracy, completeness or uninterrupted availability of information obtained from third-party sources.

Credit decisions are made independently by lenders and financial institutions. Using Score Mithra Fintech Services does not guarantee loan, credit card or other financial approval.

12. Limitation of liability

To the maximum extent permitted by applicable law, Score Mithra Fintech Services will not be responsible for indirect, incidental, special or consequential losses arising from your use of, or inability to use, our services.

This includes losses resulting from third-party services, credit bureau information, service interruptions or decisions made by lenders based on your credit information.

13. Suspension & termination

We may suspend or terminate access to your account or services where we reasonably believe that you have violated these terms, engaged in fraudulent activity, created a security risk or otherwise misused the service.

You may stop using the service and request closure of your account at any time, subject to applicable legal and contractual requirements.

14. Changes to these terms

We may update these Terms & Conditions from time to time to reflect changes in our services, business practices or applicable legal requirements.

The revised version will be published on this page with an updated "Last updated" date. Your continued use of Score Mithra Fintech Services after changes become effective constitutes acceptance of the revised terms, where permitted by applicable law.

15. Contact us

If you have questions about these Terms & Conditions, our services or your account, please contact us:

• Email: help@scoremithra.in
• Phone: +91 9912564352
• Hours: Mon – Sat, 9am – 7pm
• Office: India