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. Reference Call
1. Reference Verification & Follow-up: We may contact the references provided by you during the loan application process to verify your details. Additionally, in the event of non-payment or overdue installments, we may reach out to your references as part of our follow-up and recovery process.
5. 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.
6. 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.
7. 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.

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.