These terms apply when you purchase a Credit Report through the Samridhya mobile app. Please read them together with our Privacy Policy, Terms of Use and Credit Bureau Authorisation Terms.
1. What the Credit Report is
The Credit Report is a paid feature that retrieves your credit information from the credit bureaus and presents it with a summary of your credit health and personalised insights to help you understand and improve your loan eligibility.
2. Consent to access your credit information
By proceeding, you consent to Samridhya Innovations Private Limited ("Samridhya") and its authorised partners retrieving your Credit Information from one or more credit information companies licensed by the Reserve Bank of India — TransUnion CIBIL, Equifax, CRIF High Mark and Experian — for the purpose of generating your report and insights.
3. Fee and payment
The Credit Report is chargeable at the fee shown at checkout (currently ₹49), collected through our payment partner. Applicable taxes, if any, are included as shown at checkout.
4. Not a loan approval or guarantee
The Credit Report is for your information only. Purchasing it is not a loan application and does not guarantee an immediate or future loan approval, a particular credit score, or any specific offer. Lending decisions are made solely by the respective lenders.
5. Refunds
The Credit Report is a digital product generated and delivered immediately on successful payment, so the fee is non-refundable once the report has been generated. If your payment succeeds but we are unable to generate your report, we will regenerate it or refund the fee to the original payment method. For any payment issue, write to [email protected].
6. How we handle your data
Your Credit Information is stored on servers located in India and handled in accordance with our Privacy Policy. We retain it only for as long as necessary to provide the report and as required under applicable law, after which it is deleted or anonymised in line with our Privacy Policy.
7. Accuracy of credit information
Credit Information is provided by the credit bureaus and belongs to them. Samridhya is not responsible for inaccuracies in the data reported by a bureau. If you believe any information is incorrect, you may raise a dispute directly with the relevant credit bureau.
8. Governing law
These terms are governed by the laws of India, including the Digital Personal Data Protection Act, 2023 and the Credit Information Companies (Regulation) Act, 2005, and are subject to the exclusive jurisdiction of the courts at Bengaluru, Karnataka.
9. Contact us
Samridhya Innovations Private Limited
#1207/343 & 1207/1/343/1, 9th Main, 7th Sector, HSR Layout, Bangalore, Karnataka - 560102
Email: [email protected]
Questions about this policy?
Write to [email protected] or call +91 63662 34524 (Mon–Sat, 9 AM – 6 PM IST).