Terms and Conditions

Effective Date: 16 May 2024

Welcome to Credit Samadhaan! These Terms and Conditions govern your use of our services, website, and any associated platforms. By accessing or using our services, you agree to abide by these Terms. If you do not agree, please refrain from using our services.

1. Definitions

  • “Company” refers to Credit Samadhaan, SAMADHAAN CREDIT CONSULTANCY PRIVATE LIMITED,  its employees, affiliates, and representatives.
  • “Client” refers to any individual, business, or entity using the Company’s services.
  • “Services” include credit score analysis, credit repair, dispute resolution, and other offerings provided by the Company.
  • “Third Parties” include credit bureaus, financial institutions, and any other external entities involved in providing credit-related services.

2. Scope of Services

  • Credit Samadhaan offers advisory and support services aimed at improving your credit profile.
  • The Company does not guarantee specific results, such as a precise increase in credit scores or approvals for financial products.
  • Resolution of credit disputes depends on the cooperation of third parties (e.g., credit bureaus and lenders), and delays caused by them are beyond the Company’s control.

3. Client Responsibilities

  • Clients must provide accurate, complete, and up-to-date information to facilitate the credit repair process.
  • Clients are responsible for regularly reviewing their credit reports to ensure accuracy and must report discrepancies promptly.
  • Clients must not misuse the Company’s services or engage in fraudulent activities, including providing false information.

4. Payment Terms

  • Fees for services must be paid upfront unless specified otherwise in a written agreement.
  • All fees are non-refundable, except in cases where the Company explicitly fails to deliver promised services within agreed timelines (subject to terms).
  • The Company reserves the right to suspend or terminate services if payments are not made on time.

5. No Guarantees or Warranties

  • Credit Samadhaan does not guarantee:
    • An improvement in credit scores within a fixed timeframe.
    • Approval of loans, credit cards, or other financial products based on credit repair.
  • The services are provided “as is” and “as available,” without warranties of any kind, either express or implied.

6. Limitation of Liability

  • The Company shall not be liable for any:
    • Losses or damages resulting from the delay, suspension, or termination of services caused by third-party actions.
    • Financial decisions made by the Client based on advice or information provided by the Company.
    • Indirect, incidental, or consequential damages, even if the Company was advised of the possibility of such damages.
  • The maximum liability of the Company, in any case, shall not exceed the fees paid by the Client for the disputed service.

7. Confidentiality and Privacy

  • The Company is committed to protecting the privacy of Client information as outlined in its Privacy Policy.
  • The Client agrees to share their credit-related data, including credit reports, with the Company for service delivery purposes.
  • The Company shall not be held responsible for unauthorized access to Client data due to hacking or other malicious activities.

8. Dispute Resolution

  • In case of any disputes, Clients must first attempt to resolve the matter through written communication with the Company.
  • If disputes cannot be resolved amicably, they will be subject to arbitration in accordance with the [Indian Arbitration and Conciliation Act, 1996] or applicable laws.
  • The jurisdiction for any legal proceedings will be Indore, Madhya Pradesh, India.

9. Intellectual Property

  • All content, including logos, text, graphics, and tools on the Company’s website and platforms, is the intellectual property of Credit Samadhaan.
  • Clients are prohibited from reproducing, modifying, or distributing this content without prior written consent.

10. Prohibited Activities

Clients are strictly prohibited from:

  • Using the Company’s services for unlawful purposes.
  • Misrepresenting the Company or its services.
  • Attempting to reverse-engineer or misuse the Company’s proprietary tools.

11. Changes to Terms and Conditions

  • Credit Samadhaan reserves the right to modify these Terms at any time.
  • Updated Terms will be posted on the website with the effective date. Continued use of services constitutes acceptance of the revised Terms.

12. Contact Information

For any questions or concerns about these Terms, Clients can reach out to us at:

  • Email: info@creditsamadhaan.com
  • Phone: 7772941787

Here’s the updated Terms and Conditions section to include a safeguard against unauthorized entities using the name Credit Samadhaan:

13. Authorized Payments

  • Credit Samadhaan will only accept payments made directly to the following authorized account:
    Account Name: SAMADHAAN CREDIT CONSULTANCY PRIVATE LIMITED
    Account Number: 05020200004393
    Bank Name: Bank Of Baroda
    IFSC Code: BARB0SIYAGA (FIFTH CHARACTER IS ZERO)
    Branch Name: Siyaganj Branch, Indore 
  • Important Notice: 
    • Payments made to any account other than the one listed above are not recognized by Credit Samadhaan and will not entitle the Client to any services or legal recourse.
    • The Company shall not be held responsible for any disputes, losses, or damages resulting from payments made to unauthorized accounts, third parties, or entities falsely claiming to represent Credit Samadhaan.
  • If you are approached by any individual or company using a similar name and requesting payments to an unlisted account, please report it immediately to us at info@creditsamadhaan.com. 

Acknowledgment

By using Credit Samadhaan’s services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.