With the use of our site, services and products, we believe that you have thoroughly gone through the page of Disclaimer, FLCC Agreement, as well as of terms and conditions. We reserve all rights to change these terms and conditions at any time without any prior notice. We will notify you of any changes in the Privacy Policy on this page. You are advised to review this Privacy Policy on this page periodically for any changes

 

Information Collection And Use

 

We collect several different types of information for various purposes to provide and improve our Service to you.

 

Types of Data Collected

Personal Data

 

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

Email address

First name and last name

Phone number

Cookies and Usage Data

 

Usage Data

 

We may also collect information how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

 

Tracking & Cookies Data

 

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.Examples of Cookies we use:

 

Session Cookies: We use Session Cookies to operate our Service.

Preference Cookies: We use Preference Cookies to remember your preferences and various settings.

Security Cookies: We use Security Cookies for security purposes.

 

Use of Data

 

icredit score uses the collected data for various purposes:

 

To provide and maintain the Service

To notify you about changes to our Service

To allow you to participate in interactive features of our Service when you choose to do so

To provide customer care and support

To provide analysis or valuable information so that we can improve the Service

To monitor the usage of the Service

To detect, prevent and address technical issues

 

Transfer Of Data

 

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.If you are located outside India and choose to provide information to us, please note that we transfer the data, including Personal Data, to India and process it there.Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.Icredit score will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

 

Registration

 

We assume that by registering on our page, you certify that information offered by you is accurate. We hold all rights to deny access to the website without any prior notice for reasons like unauthorized access or use by you, trying to transfer or assign any rights that are granted under this agreement, if any of the terms and conditions of this user agreement is violated. We also believe that by registering with us, you also agree to accept periodic SMS and messenger alerts.

 

User License

 

We offer a limited, non-assignable, non-transferable license to access our website. Access and use of our website shall be governed by all the terms and conditions set forth in our user agreement.

 

Reuse Of Information

 

The website of icredit score beholds the design and the information as the sole property. None of users are allowed to reuse our information or content for any reason outside the website. As determined by the company and by the court of law, if we found that our information is re-posted then this information would be liable for legal actions.

 

Liability For Consequences

 

Nobody associated with our company is liable for any loss or damage occurred by our recommendations or services. We are not accountable for the loss occurred directly or indirectly from interruptions and delays owing to equipment failure, problems with phones, weather sticks, fire, riots, acts of war or other related causes.

 

Disclosure Of Data

 

Legal Requirements icredit score may disclose your Personal Data in the good faith belief that such action is necessary to:

 

To comply with a legal obligation

To protect and defend the rights or property of icredit score

To prevent or investigate possible wrongdoing in connection with the Service

To protect the personal safety of users of the Service or the public

To protect against legal liability

 

Security Of Data

 

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

 

Refund Policy

 

Icredit score embraces the veteran credit experts, who are capable of offering accurate service after analyzing your credit report promptly. We are pioneer in offering accurate recommendations after the credit report analysis and are experts in maintaining the parameters. Thus we ensure that the services and related recommendations of our credit experts are converted into healthy credit profiles. The subscription of our services is completely your decision. For this reason, we do not entertain any cancellation of subscription, holding or refunding of money once you have made the decision of joining us. Client escalation with description of issue to help@icreditsmart.in, if no response is received from assigned service team member within 7 working days per request.Our website is for informational purposes only. It does not comprise complete description of our services or performance.You must never allow children or other unauthorized family members or friends to access your credit cards at the payment site. You need to ensure that no one pays for a service without your permission.When you use our services, we believe that you have read our following pages

 

• Terms and conditions page

• Disclaimer page

• FLCC Agreement page

• Read through our about page

• Analyze the performance of our services through our track sheets.

 

It is strictly recommended to all our clients to go through the website and understand our policies, before subscribing our services.We know how to keep your data safe and secure. We never disclose your credit card details and passwords to the third party.We ensure to give accurate information to customers, if in case of any wrong commitment from any of our staff members regarding the service we offer to customers, we strongly recommend not to accept our terms and conditions on either our compliance mail or on our compliance call where we will be elaborating the details of the service offered and not to make any payments towards our service. After accepting the terms and conditions either on our compliance mail or on compliance call, is considered as payments by accepting Icredit score terms and conditions.After enrolling to our services, we recommend to demand and get an invoice copy in mail from help@icreditsmart.in which is the support email address of Icredit score, in case if you have not received an invoice for your payment, either due to any technical error or manual error.A customer is said to have enrolled for Icredit score or Icredit score customer, only if he or she holds and invoice copy for the payments done towards Icredit score.In case a customer is not getting any followup calls or mails from Icredit score, due to any technical glitch or manual error, We recommend to contact us back till you get a proper resolution on our multiple channels like Phone numbers mention on this website or Email id mentioned on this website or through legitimate social media accounts using the social media links provided on this website.

 

Service Providers

 

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. This disclaimer shall be applicable to any person visiting /accessing the Website and/or a Customer / Service Provider entering into an agreement related to availing of the Service offered by Icredit score.We may provide service for customers, of other third party or companies or individuals("Service Providers"). Service Providers are not allowed to collect any documents or payments from customers who are enrolling for Icredit score services. We will not be responsible for any payments done by customers towards Service Providers.Service providers are not authorised to explain Icredit score service details or service duration details to customers before connecting customer with Icredit score's Official Relationship Manager. Service Providers are mediators to connect customers with Icredit score. Each customer details (Customer Complete Name and Contact Number) need to be shared by service provider to help@icreditsmart.in. Service Provider should never share customer details as text message or On Voice call or on Messenger. Customers need to make payments to Icredit score directly through Current Account Bank Transfer, Current Ac UPI Transfer, or by using payment gateway link on Icredit score Website, Icreditscore.credit. Service providers are not allowed to accept any payments from Icredit score customers in any manner.Service Providers are not allowed to make payments to Icredit score on behalf of the customer, neither communicate with Icredit score over mail or Call or messenger, on behalf of the customer.Its the sole responsibility of customer to make sure that all payments are done towards Icredit score and not to share any sensitive documents to service provider. We will not be responsible for any fake commitment given by service providers. In case of fake commitment given by service provider or employee, we strongly recommend not to accept our terms and conditions on either our compliance mail or on our compliance call where we will be elaborating the details of the service offered and not to make any payments towards our service. After accepting the terms and conditions either on our compliance mail or on compliance call, is considered as payments by accepting Icredit score terms and conditions, Disclaimer and FLCC Agreement.After enrolling to our services, we recommend to demand and get an invoice copy in mail from help@icreditsmart.in which is the support email address of Icredit score, in case if you have not received an invoice for your payment, either due to any technical error or manual error.A customer is said to have enrolled for Icredit score service or Icredit score customer, only if he or she holds and invoice copy for the payments done towards Icredit score. Icredit score provides service to customers as per terms and conditions, Privacy Policy, User agreement and FLCC Agreement. Icredit score is not answerable to service providers with regards to customers enrolled. Icredit score will be dealing with customers once customer enrolls for Icredit score services and will not be answerable to service providers with regards to customer's service in any manner. All the communication with regards to service given to customers will be only with customers and not with service providers.The subscription of our services is completely customers decision. For this reason, Icredit score do not entertain any cancellation of subscription, holding or refunding of money once customer have made the decision of joining Icredit score. Service provider accepts the Terms and Conditions of Icredit score, and confirms that service provider have read and understood and Agree to the Terms and Conditions, Disclaimer, FLCC Agreement and Service Provider Agreement of Icredit score. Service provider will be eligible for percentage sharing, on the payments which Icredit score receives, through service provider reference. The payout for percentage sharing will be done on month on month basis to service providers account as shared while enrolling as a service provider with Icredit score. Service Provider should send KYC Documents of their Company or Individual KYC to help@icreditsmart.in to verify their identity and for the safety and security of our customers. Service provider will not be eligible for payouts until KYC details are shared to help@icreditsmart.in.Icredit score and its owners/affiliates are not liable for damages caused to service providers or customer by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in transmission or operations, computer virus, communications line failure, and unauthorized access to the personal accounts. Icredit score is not responsible for any technical failure or malfunctioning of the software or delays of any kind. We are also not responsible for non-receipt of enrollment details or e-mails.Icredit score along with its directors, employees, associates or other representatives and its Affiliates along with its directors, employees, associates or other representatives shall not be liable for damages or injury arising out of or in connection with the use of the Website or its non-use including non-availability, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property (including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business; under any contract, negligence, strict liability or other theory arising out of or relating in any way to the Website, site-related services, or any products or services and claims of third parties damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from or relating to any of the services offered or displayed by Icredit score. on the Website. This disclaimer shall be applicable to any person visiting /accessing the Website and/or a Customer / Service Provider entering into an agreement related to availing of the Service offered by Icredit score.Service provider agrees that service provider have read and understood and agree to Icredit score Terms and Conditions, Privacy Policy, User Agreement, Service Provider Agreement and FLCC Agreement on Icreditscore.credit .Icredit score hereby expressly disclaims any implied warranties imputed by the laws of any jurisdiction. We consider ourselves and intend to be subject to the jurisdiction only of the courts of Bangalore in India. If you don't agree with any of our disclaimers above please do not read the material on any of our pages. This site is specifically for users in the territory of India. Although the access to users outside India is not denied, Icredit score shall have no legal liabilities whatsoever in any laws of any jurisdiction other than India. We reserve the right to make changes to our site and these disclaimers, Service Provider Agreement, terms, and conditions at any time.Icredit score reserve the right to terminate the accounts / subscription / service of subscribers / customers / service providers, who violate the proprietary rights, in addition to necessary legal action

 

Analytics

 

We may use third-party Service Providers to monitor and analyze the use of our Service.

 

Google Analytics

 

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page.

 

Links To Other Sites

 

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

 

Children's Privacy

 

Our Service does not address anyone under the age of 18 ("Children").We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

 

Changes To This Privacy Policy

 

We may update our Privacy Policy from time to time. We will notify you of any changes in the Privacy Policy on this page.You are advised to review this Privacy Policy on this page periodically for any changes.

 

Contact Us

 

If you have any questions about this Privacy Policy, please contact us: By visiting icreditscore.credit (Icredit score) page on our website: http://icreditscore.credit

 

Advertising Disclosure

 

Icredit score strives to extend a wide array of offers to our members, but our offers may not be able to cover all financial services or products. While the offers are predominantly based on the credit profile of our members, some of these offers may be from our partners where we have a saleable arrangement. Such agreements help us to continue to extend best possible services to our members and regularly invest in the user experience.

 

Financial Summary

 

We provide financial summary report after checking your Credit Report on major Credit Bureaus, as per terms and conditions, Disclaimer, user agreement, FLCC Agreement and Privacy Policy of Icredit score. You will be receiving Icredit score Financial Summary as you accepted the terms and conditions, Disclaimer, User Agreement and Privacy Policy, FLCC Agreement of Icredit score. The score shown in Financial Summary will be estimated score with respect to the real scores from Major Credit bureaus in India, The original, customer Credit score, from major bureaus in India, may vary from time to time depending on customer’s repayment behavior. The negative flags or comments marked in the financial summary is for customers personal reference and understanding. The comments mentioned in financial summary report are not mentioned or updated on any Credit Bureau. Please note that Icredit score is not authorized to provide Credit reports, This report is just a Financial Summary of your Credit Report from Credit Bureaus, And is meant for customer to understand his/her Credit health, This Financial Summary is the opinion of credit experts in Icredit score, this report should not be used for any other purposes neither for any loans or any personal benefits. Icredit score will not be responsible for the use of this credit report for any purpose in any means. The final CIR can be downloaded from credit bureaus directly, after the service validity

 

Part Payments

 

Enrolling to Icredit score services is easier as payments can be made as part payments. Customer will be receiving Icredit score Financial Summary* after completing the first part payment. For a customer to avail complete service customer needs to complete the full payment after receiving Icredit score Financial summary*. Customers who opt part payment need to pay the complete service amount with in 30 days from the date of first part payment or else service validity will be cancelled without refund.