ASKCRED.AI and ASKCRED.COM
This document is an electronic record in terms of applicable information technology laws and the amended provisions thereto pertaining to electronic records in various allied statutes, as amended pursuant to the Information Technology laws. This electronic record has been generated by a computer system and does not require any authentication.
The following terms and conditions (hereinafter referred to as the “T&Cs”) will be deemed to have been accepted by the User, on mere usage of the website, www.askcred.ai and/or www.askcred.com (hereinafter referred to as the “Website”) and hence the User is required to read them carefully before using the the Website.
These T&Cs are entered into by and between:
LIMITED, a company formed and registered under the provisions of the Companies Act, 2013 having its registered office at 4/410 Floor, J C Wing, Veer Savarkar Marg Building No. 2, Kailas Business Park Vikhroli (WEST) Mumbai – 40007, (Hereinafter individually referred to as the “Company”, which expression shall, unless it be repugnant to the context or meaning thereof, be deemed to include its permitted assigns, affiliated companies, holding companies and subsidiary companies) constituting the FIRST PARTY.
YOU (whether an individual representing yourself or a legal person), the user of the products and/or services provided by the Company (Hereinafter, referred to as “User”, “Client” or “you” or any other variant of the said pronoun, shall, unless it be repugnant to the context or meaning thereof, be deemed to include the successors, permitted assigns, affiliated companies, holding companies and subsidiary companies) constituting the SECOND PARTY.
(The Company and the User shall individually be referred to as the “Party” and collectively be referred to as “Parties”)
Nowtherefore, based on the representations and warranties contained herein and in consideration of the mutual covenants and agreements herein contained, the Parties agree as follows:
The Company reserves its right to revise the said Consideration Amount at any time, and the revised fee shall be payable by the User, in the event the User wishes to avail/continue the service(s).
The concerned officials from the Company shall call the User on the number which has been provided by the User to the Company for the purposes of correspondence with the Company. The said Service shall only be valid for 1(one) call only for a maximum duration of 30 minutes.
The User shall only be eligible to reschedule the date and time on which the Service shall be provided to the User, within the Monthly Subscription Period, for a maximum of 2 (two) times.
In the event, the User fails to comply with the T&C’s or fails to avail the Service within the Monthly Subscription Period, the Company shall not be liable, in any manner whatsoever, to provide the Service to the User.
The User acknowledges and undertakes that the Company shall not be liable or accountable in any manner, whatsoever, for the refund of the said Monthly Subscription Amount, so paid by the User to the Company.
The Company reserves its right to revise the said Monthly Subscription Amount at any time, and the revised fee shall be payable by the User, in the event the User wishes to avail/continue the service(s).
investigate your claims/dispute by contacting the source and requesting them to inspect the information. The bureau at its sole discretion may accept or reject the correction so reported however, the Company does not control the same and you agree that the Company shall not be liable in case of no change or any delay in correction of your credit score.
not be tantamount to any legal or financial advice. The Company does not control your credit report and credit score, which is a statistical analysis of information contained in your credit file as maintained in the system and database of Credit bureaus, and we cannot change that information for you.
By executing these T&C’s, the User hereby grants the Company, during the term of the T&C’s and for the period for which the T&C’s continue to be automatically renewed thereafter, until the User provides a written notification of the repudiation of the same, an unlimited Power Of Attorney (“POA“) as required to provide the Services. Through the POA, the User consents to and agrees to authorise the Company, by and/or through its authorized representatives to:
The User hereby agrees and confirms that the POA is valid throughout India for all User Information to be obtained by the Company for usage in the manner as provided above.
Given the nature of Services provided by the Company, the User hereby irrevocably acknowledges and confirms that any communication(including communication for marketing of its products and services, in light of the User’s information) by the Company during the Term of the T&Cs as well as thereafter, shall not be classified as a unsolicited commercial communication, or fall under the “Do Not Disturb” list and/or be restricted by any other law, regulation or rule restricting telecommunication by companies for business purposes, and accordingly, the User hereby further provides a no-objection to receive any and all such communications in any form from the Company.
You agree and authorize the Company, its agents and employees, to provide your User Information to third parties from time to time. You waive any and all claims against the Company, its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. You further authorize the Company, its agents and employees to obtain various kinds of information and reports about you in order to enable the Company to effectively discharge its functions in relation to the Services offered by the Company.
The Company understands the sensitivity of the User Information and shall take reasonable steps to ensure that the collection, processing, collating, recording, preservation, secrecy, sharing and usage of the said information is duly protected against any loss or unauthorized access, or use or unauthorised disclosure thereof. The Company shall also take requisite steps
as it may deem necessary and reasonable for ensuring and verifying the accuracy and completeness of such User Information before using the same in relation to the User.
The User agrees and understands that the User is responsible for maintaining the confidentiality of passwords associated with any account the User uses to access the Services provided by the Company. Accordingly, the User agrees that the User will be solely responsible to the Company for all activities that occur under the User’s account. If the User becomes aware of any unauthorized use of his / her password or account, the User agrees to notify the concerned Company immediately.
Please note that the T&C’s may change from time to time. The Company reserve its right to change, modify or update the T&Cs at any time without notice. The Company will post any changes on this page and, if the changes are significant, the Company will provide a more prominent notice. Each version of these T&Cs will be identified at the top of the page by its effective date. If you have any questions or concerns about this document, please feel free to contact us any time at the contact details provided on this Website.
All questions pertaining to, arising out of or in connection with these T&Cs shall be determined in accordance with the India laws, more specifically the applicable CIC Laws, and courts of competent jurisdiction in Mumbai shall have exclusive jurisdiction.
This Agreement, the construction and enforcement of its terms, and the interpretation of the rights and duties of the parties hereto shall be governed by the existing laws of India. In accordance with Information Technology Act 2000 and rules and regulations made there under, the name and contact details of the Grievance Officer are provided below:
Name: Aarti Khanna
Email id: aarti@gradedfinancialservices.com
If the matter is not resolved at the first instance by the concerned Grievance officer and the Parties fail to reach an amicable settlement within 30 (thirty) days of entering into amicable
negotiations / discussion for the said purpose, any and all disputes or differences arising out of or in connection with these T&Cs or its performance thereof, shall be referred to arbitration at the request of a Party upon written notice to that effect to the other Party and such arbitration shall be conducted in accordance with the Arbitration and Conciliation Act, 1996, and other ancillary laws.
In the event of failure to mutually appoint a sole arbitrator, each Party shall appoint an arbitrator of their choice, who shall then jointly appoint a third arbitrator who will act as the Presiding Arbitrator (Umpire).
The Award of the Arbitrator shall be final and binding upon the Parties. The Seat of Arbitration shall be Mumbai only. The language of the arbitration proceedings shall be English.
Nothing in this Clause 7 or in the Arbitration and Conciliation Act, 1996, shall, in any way, affect the right of either Party to seek such interim relief, and only such interim relief, as may be needed to maintain the status quo in aid of the arbitration in a court of competent jurisdiction in Mumbai.
This T&C’s supersedes any prior written or oral agreements between the Parties, in conjunction with the terms of use of the Website and the Company’s Privacy Policy/Statement
All notices in relation to these T&Cs shall be in writing and addressed to the concerned Company at the following address:
Graded Financial Services and Marketing 4/410 Floor, J C Wing, Veer Savarkar Marg Building No. 2, Kailas Business Park Vikhroli (WEST) Mumbai – 400079
All notices to the User in relation to these T&Cs shall be in writing and addressed to the address provided by the User to the Company for the said purposes.
The User hereby agrees and undertakes to indemnify and keep indemnified the Company and its affiliates, officers, directors, employees, agents and advisors and any other person appointed
by the Company ( “Indemnified Party”) against any and all actual losses, expenses, liabilities, obligations, damages, actions, proceedings, claims, demands and judgements (including but not limited to legal and other fees on a full indemnity basis) asserted against or incurred by the Indemnified Party in the process of providing the services to the User directly or indirectly due to the action or inaction by the User including but not limited to:
For the purpose of this T&C’s, “losses” mean all claims, actions, losses, liabilities, damages and costs (including taxes) and all related costs and expenses (including reasonable attorney’s fees and disbursements and costs of investigation, litigation and settlement)
The User agrees to indemnify, defend and hold the Company and its affiliates, related parties, agents, brokers and employees harmless from and against any losses arising out of or relating to a claim by a third party against the User for any act or omission, including the acts and omissions as detailed vide this Clause 10.
The User, in addition to the above indemnifications, further agrees to indemnify, hold harmless and not bring any action, against the Company and its affiliates, related parties, agents, brokers and employees; on account of any deficiency in service or provision of defective product by any of its partners/affiliates/associates and the like, with which it has entered into a separate agreement to provide add-on services to its Users.
The details of the Services being offered by the Company and the fees payable for availing the relevant Services shall be updated on the Website www.askcred.ai or www.askcred.com, from time to time, and shall be applicable on the User from the date and time of its update on the Website, in the event the User avails, or is availing, the said Service.
In case of any queries with respect to Services, please contact the Company’s representative at aarti@gradedfinancialservices.com
In case you seek credit advisory services, while your credit report(s) is (are) not available with the Company, you authorise the Company to access your credit report(s) on your behalf.
EXCEPT AS OTHERWISE EXPRESSLY SET FORTH HEREIN, THE SERVICES UNDER THIS AGREEMENT IS PROVIDED ON AN “AS IS, WHERE IS” BASIS AND WITH ALL FAULTS. EXCEPT AS OTHERWISE EXPRESSLY SET FORTH HEREIN, THE COMPANY MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICES INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO THE
ACCURACY, VALIDITY, OR COMPLETENESS OF THE SERVICES (OR ANY INFORMATION CONTAINED THEREIN). NO WARRANTIES WILL BE CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE, AND THE COMPANY EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES. IN ADDITION, THE COMPANY DOES NOT WARRANT THAT THE SERVICES (OR ANY INFORMATION THEREIN) WILL BE FREE FROM ERRORS, WILL MEET THE USER’S OR CONSUMER USER’S NEEDS, OR WILL BE PROVIDED ON AN UNINTERRUPTED BASIS. THE USER IS FURTHER ADVISED TO SEEK PROFESSIONAL GUIDANCE FROM AN EXPERT.
THE COMPANY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOSS OF USE, LOSS OF DATA OR GOODWILL, ARISING FROM THE USE OF THE SERVICES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE PARTIES ACKNOWLEDGE AND AGREE THAT THIS LIMITATION OF LIABILITY IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES.
User:
As specified by the User
PRODUCT AUTHORIZATION FORM & PROCESS DOCUMENT
AUTHORIZATION LETTER
I Mr./Ms. – residing at
– – do hereby authorise
, to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited(“Equifax”) at the following address/email id:
Address /email id of —————————————–
I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Equifax who is duly authorized by the .
I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax & GRADED FINANCIAL SERVICES AND INSURANCE MARKETING
PVT. LTD for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax, GRADED FINANCIAL SERVICES AND INSURANCE MARKETING
PVT. LTD or its (their) affiliates and their respective officers, directors, employees or representatives liable in this respect.
I hereby also confirm that I have only appointed to be my authorized agent/representative for collection of my CIR.
I undertake to keep Equifax & GRADED FINANCIAL SERVICES AND INSURANCE MARKETING PVT. LTD intimated and informed at all times, of any renewals or termination of the authorization to or any amendments, modifications or changes in the terms governing the obligations or my relationship with .
I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.
I am enclosing the following documents as my identity verification for the purpose of obtaining my CIR from Equifax.
List of Identity Proof Documents (Tick any one):
List of Address Proof Documents (Tick any one):
By signing on this authorisation letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned below/over leaf.
*as specified in the provisions of CIC Laws
Standard Terms and Conditions applicable to Individual Consumer of Equifax Credit Information Services Private Limited (Equifax)
/ loan Account or other borrowings provided in the Equifax Credit Information Report (CIR) provided to you.
Other terms not defined herein shall have the meaning as per the Credit Information Companies (regulation) Act, 2005 and Rules and Regulations made there under (together referred as “CIC Laws”).
In case of any query with regards to our Services and /or issues, you can write to us at: Equifax Credit Information Services Private Limited, Unit No. 931, 3rd Floor, Building No.9, Solitaire Corporate Park, Andheri Ghatkopar Link Road, Andheri East, Mumbai – 400093 or call us at Toll Free No. 1 800 209 3247 or email us at ecissupport@equifaxindia.com
Unless expressly provided otherwise by the Company, all comments, feedback, information or
Materials submitted to the Company through or in association with this Site shall be considered
to be the concerned Company’s property. By submitting such comments, feedback, information
or Materials to the Company, the visitor of the Site agrees to a no-charge assignment to the
concerned Company of all worldwide rights, title and interest in copyrights and other
intellectual property rights to the comments, feedback, information or Materials. The Company
shall be free to use, copy, publish or distribute such comments, feedback, information or
Materials on an unrestricted basis without any accountability or responsibility for the same to
the visitor / User of the Site.
The Website contains, inter alia, information, applications, content or advertisements, texts,
photographs, designs, graphics, images, sound and video recordings, animation and other
Materials and effects (Hereinafter collectively, referred to as the “Content”) that are protected
by applicable intellectual and proprietary rights owned by the Company, its affiliated
companies, holding companies and subsidiary companies or other third parties. All trademarks
and copyrighted information contained on the Website are the property of their respective
owners. Further, the Company retains all rights (including intellectual property rights), title and
interest in the Website, technology, and all underlying technology and data including, inter
alia, any enhancements, software, applications and improvements related to the Website (the
“Technology”) (the terms “Content” and “Technology” collectively will be referred to as the
“Materials”). You may not remove from any electronic or printed copy any copyright,
trademark, or other proprietary notice without the express written permission of the Company.
Violate the Website Terms, applicable law or the rights of others; or disrupt or interfere
with the security of, or otherwise cause harm to, the Website. ALL CONTENTS ON THIS SITE ARE APPLICABLE PROPRIETARY AND
INTELLECTUAL RIGHTS OF THE COMPANY, ITS AFFILIATED COMPANIES,
HOLDING COMPANIES AND SUBSIDIARY COMPANIES AND OTHER THIRD
PARTIES. EXCEPT AS SPECIFICALLY PERMITTED HEREIN, NO PORTION OF THE
INFORMATION ON THIS WEB SITE MAY BE REPRODUCED IN ANY FORM, OR BY
ANY MEANS, WITHOUT PRIOR WRITTEN PERMISSION FROM THE COMPANY.
VISITORS OR USERS ARE NOT PERMITTED TO MODIFY, DISTRIBUTE, PUBLISH,
TRANSMIT OR CREATE DERIVATIVE WORKS OF ANY MATERIAL FOUND ON
THIS SITE FOR ANY PUBLIC OR COMMERCIAL PURPOSES.
You agree and understand that you are solely responsible for maintaining the confidentiality of
your password which, together with your Login ID (as may be applicable in accordance with
the service selected), allows you to access the service. The login ID and password, together
with any mobile number or other contact information you provide, form your registration
information (“Registration Information”). You agree that you are solely responsible for
maintaining the confidentiality of your Login ID and password, and for restricting / monitoring
access to your computer. You agree to accept responsibility for all activities that occur through
your account or password. The Company strongly recommends that you exit/ logout from your
account at the end of each session. You agree to notify the Company immediately of any
unauthorized use of your account or any other breach of security. You further agree that the
Company shall not be liable for any unauthorized use or access unless it is proved that the
unauthorized use or access occurred solely due to reasons directly and substantially attributable
to the Company.
You shall provide true, accurate, current and complete information about yourself and
undertake to inform/update the Company of any change in your Registration Information
promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the
provision of services by or through the Company. You agree not to misrepresent your identity
nor will you attempt any unlawful access to the Website or use of the services of the Company.
Additional terms and conditions will apply to your purchase of services that you select. Please
read these terms and conditions carefully.
In consideration of your use of the Website and registering with us, you represent that you are
of legal age to form a binding contract and are not a person barred from receiving services
under the laws of India or other applicable jurisdiction and will only use the Website to make
legitimate purchases or availing of services offered by the Company for you or for another
person for whom you are legally authorized to act (and will inform such other persons about
the TOU and/or Privacy Policy of the Company) that apply to the purchase you have made on
their behalf (including all rules and restrictions applicable thereto).
The Website may use robot exclusion methods, which include robots.txt files and HTML meta
tags, which expressly allow and/or exclude specified automated programs from accessing
certain portions of the Website. Much of the information on the Website is updated on a real
time basis and is proprietary or is licensed to the Company by our users or third parties. You
agree that you will not use any robot, spider, scraper or other automated means to access the
Website for any purpose, including but not limited to performing “offline” searches and
mirroring, without our express written permission as indicated in the then current robots.txt file
or HTML meta tags on the Website. Additionally, you agree that you will not bypass the
Company’s robot exclusion methods or other measures that the Company may use to prevent
or restrict access to the Website.
This Website may provide links to other websites or resources. Since the Company has no
control over such third party websites and resources, you acknowledge and agree that Company
is not responsible for the availability of such external sites or resources, does not endorse, and
is not responsible or liable for any content, advertising, products or other materials on or
available from such sites or resources. You further acknowledge and agree that Company shall
not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to
be caused by or in connection with use of or reliance on any such content, goods or services
available on or through any such site or resource. Your interaction with any third party link or
website accessed through the Website is entirely at your own risk, and Company will have no
liability with respect to the acts, omissions, errors, representations, warranties, breaches or
negligence of any such third parties or for any personal injuries, death, property damage, or
other damages or expenses resulting from your interactions with the third parties.
The Company is fully compliant with the reasonable security practices and procedures, having
a comprehensive documented information security programme and information security
policies that contain managerial, technical, operational and physical security control measures
that are commensurate with the information assets being protected with the nature of business,
in accordance with the Information Technology Act, 2000 and its allied Rules and Regulations.
This Agreement, the construction and enforcement of its terms, and the interpretation of the
rights and duties of the parties hereto shall be governed by the existing laws of India.
In accordance with Information Technology Act 2000 and rules made there under, the name
and contact details of the Grievance Officer are provided below:
Name: Aarti Khanna
Email id: aarti@gradedfinancialservices.com
If the matter is not resolved at the first instance by the concerned Grievance officer and the
Parties fail to reach an amicable settlement, any and all disputes or differences arising out of
or in connection with this Terms of use or its performance thereof, shall be referred to
arbitration at the request of a Party upon written notice to that effect to the other Party and such
arbitration shall be conducted in accordance with the Arbitration and Conciliation Act, 1996,
In the event of failure to appoint a sole arbitrator, each Party shall appoint an arbitrator of their
choice, who shall then jointly appoint a third arbitrator who will act as the Presiding Arbitrator
(Umpire).
The Award of the Arbitrator shall be final and binding upon the Parties. The Seat of Arbitration
shall be Mumbai only. The language of the arbitration proceedings shall be English
Nothing in this clause or in the Arbitration and Conciliation Act, 1996, shall, in any way, affect
the right of either Party to seek such interim relief, and only such interim relief, as may be
needed to maintain the status quo in aid of the arbitration in a court of competent jurisdiction
in Mumbai.
THE DOCUMENTS AND GRAPHICS ON THIS WEBSITE COULD INCLUDE
TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE
PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE COMPANY MAY
MAKE IMPROVEMENTS AND/OR CHANGES HEREIN AT ANY TIME. THE
COMPANY MAKE NO REPRESENTATIONS ABOUT THE ACCURACY OF THE
INFORMATION CONTAINED IN THE DOCUMENTS AND GRAPHICS ON THIS WEB
SITE FOR ANY PURPOSE. ALL DOCUMENTS AND GRAPHICS ARE PROVIDED “AS
IS” AND “AS AVAILABLE”. THE COMPANY HEREBY DISCLAIMS ALL
WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION,
INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF
MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, TITLE AND
NON-INFRINGEMENT. IN NO EVENT, THE COMPANY AND/OR THEIR LICENSORS/
SUPPLIERS SHALL BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT,
SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THE SITES,
THE INFORMATION, OR ON ANY OTHER HYPERLINKED WEB SITE, INCLUDING,
WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF
PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR
OTHERWISE, EVEN IF THE COMPANY IS EXPRESSLY ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, OFFICERS, EMPLOYEES,
AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY,
DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES,
LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR
ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT
TO THE WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON
WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY
DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR
INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE,
WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS
FAILURE, THEFT OR OTHERWISE. THE COMPANY SHALL NOT BE LIABLE FOR
ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF
THE INTERNET.
THE COMPANY DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION,
SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL
BE FREE OF VIRUSES, “WORMS”, “TROJAN HORSES”, OR THEIR HARMFUL
COMPONENTS. THE COMPANY’S ENTIRE LIABILITY AND YOUR SOLE AND
EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED
BY THE COMPANY SHALL BE CANCELLATION OF YOUR ACCOUNT.
You agree to indemnify, defend, and hold harmless the Company, its officers, directors,
employees, agents, representatives, vendors and distributors from and against any and all
claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’
fees) that the Company may incur as a result of or arising from your (or anyone using your
account’s) violation or breach of any representation or obligation under the Website .
The Company reserves the right to assume the exclusive defence and control of any matter
otherwise subject to indemnification by you and, in such case, you agree to cooperate with the
Company’s defence of such claim.
You agree to transact with the Company electronically. This means you agree to accept any
terms and conditions and to transact any business with the Company by electronic means,
which includes receiving all documents in HTML or PDF format and communicating over the
Internet. You also certify that you are at least 18 years of age and have lawful and authorised
access to the Internet to inter alia, receive the Company’s services, to request that the Company
contact you about its services, to participate in the Company’s text message program, and to
view, print and retain all documentation. You authorize the Company to send you important
notices about the Website and any pending transactions to an email address you provide to us,
if you are a member of the Company or have requested that the Company contact you about
our services. It is your duty to keep your email address up to date and to maintain a valid email
address and to ensure that emails the Company sends you are not filtered or stopped by spam
filters or other types of email blocking functionalities. If you no longer desire to transact
electronically with the Company, you may no longer use the Website or Company’s services.
You can retrieve and review the Website Terms at any time by visiting https://www.askcred.ai
and www.askcred.com, as the case may be.
You are responsible for obtaining at your own expense all equipment and services required for
your lawful and authorised access and use the Website, including all devices, Internet browsers
and Internet access. If you access the Website or a Website application through a mobile or
wireless device, you are responsible for all fees that your carrier may charge you for data, text
messaging and other wireless access or communications services.
Please note that these Terms of use may change from time to time. The Company will not
reduce your rights under this Policy without your explicit consent. Regardless, the Company
will post any Policy changes on this page and, if the changes are significant, the Company will
provide a more prominent notice. Each version of this Policy will be identified at the top of the
page by its effective date. All Contents and Material are intellectual and proprietary rights of
the Company its affiliated companies, holding companies and subsidiary companies and other
third parties… All rights reserved without prior written approval from the Company, and no
portion of the Terms of use may be copied/ reproduced or adopted in any form, or by any
means.
The Company reserves the right to investigate complaints or reported violations of the Website
Terms and to take any action the Company deems appropriate including but not limited to
reporting any suspected unlawful activity to law enforcement officials, regulators, or other third
parties and disclosing any information necessary or appropriate to such persons or entities
relating to user profiles, e- mail addresses, usage history, posted Materials, IP addresses and
traffic information. The Company reserves the right to seek all remedies available at law and
in equity for violations of the Website Terms, including but not limited to the right to block
access from a particular internet address to any of the Company’s website(s). These incorporate
by reference any notices contained on the Website and constitute the entire agreement with
respect to access to and use of the Website, including but not limited to your request that the
Company may contact you about its services, and/or your participation in website’s programs
and/or services. You agree that the provisions and covenants set forth herein are reasonable. In
the event that any provision or covenant of the Website Terms shall be held invalid, illegal or
unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but
not limited to the scope thereof, then such provision will be severed and replaced with a new
provision that most closely reflects the original intention thereof, and the remaining provisions
of the Website Terms will remain in full force and effect for the greatest time period and for
the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and
request that if any court or arbitrator of competent jurisdiction considers any provision or
covenant of the Website Terms to be overly broad based on the circumstances at the time
enforcement is requested, that such court or arbitrator construe and enforce the provision or
covenant to the fullest extent that such court or arbitrator deems reasonable.
The Company shall not be deemed to have waived any rights or remedies in the Website Terms
unless such waiver is in writing and signed by the Company. No delay or omission on the part
of the Company in exercising any rights or remedies shall operate as a waiver of such rights or
remedies or any other rights or remedies. A waiver on any one occasion shall not be construed
as a waiver of any rights or remedies on future occasions.
The Website Terms constitute the entire agreement and understanding between you and the
Company, except as the Company may later modify the Website Terms. The Website Terms
supersedes any and all prior agreements and understandings, oral or written, relating to the
subject matter contained herein.
PLEASE DO NOT USE THE INFORMATION ON THE COMPANY’S WEBSITE TO DISTRIBUTE
UNSOLICITED BULK E-MAILS, SOLICITATIONS OR INQUIRIES. THE FOREGOING ACTS WILL
CONSTITUTE A VIOLATION OF THE WEBSITE TERMS.