Frequent Queries

What is a CIBIL Score and what factors affect my CIBIL Score?

CIBIL Score is a 3 digit numeric summary of your credit history, derived by using details found in the 'Accounts' and 'Enquiries' sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.

How can I improve my CIBIL Score?

You can improve your CIBIL Score by maintaining a good credit history, which is essential for loan approvals by lenders. Follow these 6 steps which will help you better your score:

1. Always pay your dues on time:

Late payments are viewed negatively by lenders.

2. Keep your balances low:

Always be prudent to not use too much credit, control your utilization.

3. Maintain a healthy credit mix:

It is better to have a healthy mix of secured (such as home loan, auto loan) and unsecured loans (such as personal loan, credit cards). Too many unsecured loans may be viewed negatively.

4. Apply for new credit in moderation:

You don't want to reflect that you are continuously seeking excessive credit; apply for new credit cautiously.

5. Monitor your co-signed, guaranteed and joint accounts monthly:

In co-signed, guaranteed or jointly held accounts, you are held equally liable for missed payments. Your joint holder's (or the guaranteed individual) negligence could affect your ability to access credit when you need it.

6. Review you credit history frequently throughout the year

Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises in the form of a rejected loan application.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to resolve the dispute?

Click here to raise an online dispute and follow the instructions provided. You will need to keep your control number handy.

Please Note -You can dispute multiple fields and information on your report in a single dispute by navigating to each section on the Online Dispute Form (i.e. Personal, Contact, Employment, Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on your credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the Credit Institution to respond.

Understand your CIBIL Score and Report

Understand your CIBIL Score and Report

What is a CIBIL Score and Report?

CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e. Credit Information Report). A CIR is an individual's credit payment history across loan types and credit institutions over a period of time. A CIR does not contain details of your savings, investments or fixed deposits.

How do I read my CIR?

A CIR has detailed information on the credit you have availed, such as home loan, automobile loan, credit card, personal loan, overdraft facilities. Below are the key sections of the CIR

CIBIL Score

Your CIBIL score, calculated based on your credit behavior as reflected in the 'Accounts' and 'Enquiries' section of your CIR, ranges between 300-900. A score above 700 is generally considered good.

Personal information

Contains your name, date of birth, gender and identification numbers such as PAN, passport number, voter's number

Contact Information

Address and telephone numbers are provided in this section, up to 4 addresses are present

Employment Information

Monthly or annual income details as reported by the Members (Banks and Financial institutions).

Account information

This section contains the details of your credit facilities including name of lenders, type of credit facilities (home, auto, personal, overdraft, etc.), account numbers, ownership details, date opened, date of last payment, loan amount, current balance and a month on month record (of up to 3 years) of your payments.

Enquiry Information

Every time you apply for a loan or credit card, the respective Bank or financial institution accesses your CIR. The system makes a note of this in your credit history and the same is referred as "Enquiries"

What do the various terms used in the CIR mean?

Go through the glossary to understand your CIR better.

I have an add-on credit card. Why are the details reflecting on my account when I am not liable to pay?

It is important to note that even if primary card holder is responsible for payments for charges incurred on both the primary and add-on credit card. Any default made in payments shall reflect in CIR of both the primary and add-on card holder.

Why are the loans for which I am a guarantor showing up on my report?

Banks and Financial institutions ask for a guarantor for certain loans as a means of security for the loan amount they provide. A guarantor on any form of loan is equally responsible to ensure the repayment of the loan. Hence, the guarantor provides a guarantee to the lender that he will honor the obligation in case the principal applicant is unable to do so. Any default on the payment of the loan by the principal applicant, will affect your CIBIL Score as well.

I have closed all my accounts on time with the bank and have NOC. Why is it still showing as outstanding on my report?

The reason it may be still reflecting in your CIBIL Report is because the updated information has not been provided to CIBIL by the concerned Credit Institution (CI). You can raise a dispute with CIBIL and we will update you with the response from the CI. As per the Credit Information Companies (Regulation) Act of 2005, we cannot modify any information in the database without confirmation from the concerned Credit Institution.

If you have received a confirmation from the Credit Institution about the submission of revised data to CIBIL, you can check its updated status by clicking here.

Loan Rejections and Disputes

My loan has been rejected because of the defaults reported against my name in CIBIL records. How do I remove my name from the CIBIL's defaulters list?

CIBIL doesn't maintain a defaulters list. We maintain the credit history of individuals as reported by banks and other lending institutions. The decision to grant a loan is solely dependent on the credit policy of the lender. In order to check your credit history in detail and to identify any possible discrepancies / errors that might be reflecting against your name, monitor your CIBIL Score and Report regularly.

What kind of inaccuracies can reflect on my CIBIL report?

Ownership

If either some of the personal details or one or more accounts / enquiries on your CIBIL Report do not belong to you.

Incorrect personal details

Credit Institutions submit details of your credit account along with your personal / contact / employment information such as name, address, date of birth, PAN, telephone number, income etc. CIBIL then creates your complete credit profile basis these details. Hence, it is important to update your Credit Institution every time there is a change in the information as incorrect details may lead to a wrong CIBIL Report being generated.

Inaccurate account details

Credit Institutions generally submit data to CIBIL within a span of 30 - 45 days and if you happen to access your CIBIL Report within 45 days of your last payment of dues, it may not be updated. This leads to reflection of inaccurate current balance or amount overdue in your CIBIL Report. However, if the 'Date Reported' (date on which data is submitted by that lender) associated with that account is older than 2 months, and the payment made is still not reflecting then you can raise a dispute.

Click here to raise a dispute

I have Closed / Paid off the accounts and they are still showing on my report. How do I update my CIBIL report?

As per the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot modify any information in the database without confirmation from the relevant Credit Institution. Credit Institutions submit data every 30 - 45 days to CIBIL and if you happen to access your CIBIL Report within 45 days of closure / pay-off of your accounts it may not be updated in CIBIL records.

Can CIBIL make correction to the data or update / delete any information in the CIBIL Report?

CIBIL cannot make any change directly to your CIBIL Report. Only once the change is authorized and provided by the concerned Credit Institution can your CIBIL Report be updated.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to resolve the dispute?

Click here to raise an online dispute and follow the instructions provided. You will need to keep your control number handy.

Please Note -You can dispute multiple fields and information on your report in a single dispute by navigating to each section on the Online Dispute Form (i.e. Personal, Contact, Employment, Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on your credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the Credit Institution to respond.

My report is incomplete. Can CIBIL add information to my CIBIL Report?

CIBIL cannot add any information directly to your CIBIL Report. The information available on your CIBIL Report is as reported to us by Credit Institutions (CIs). The onus lies with the CIs to report the complete and accurate data to CIBIL. CIBIL's responsibility lies in accurately updating and accumulating this information across CI's. Please contact your credit institution to report the missing information to CIBIL.

I am unable to submit a dispute without entering the branch details? What can I do?

Certain banks cannot resolve your dispute unless they have the details of the branch where you have obtained the loan from. Hence, we have automated the process of collecting the branch details from you at the time of initiating the dispute. Providing the branch details will enable the bank route your dispute to the correct branch which will help expediting the dispute process. In case you do not have the branch details, you will need to contact the respective credit institution.

Why can't I raise more than one dispute type on a particular account / enquiry?

You can either dispute ownership or the fields of an account / enquiry.

If you have disputed the ownership (Account does not belong to you) then disputing other fields is not relevant.

If you are disputing the field for a particular account / enquiry which belongs to you, disputing ownership is not applicable.

What does CIBIL do once I have raised a dispute?

Once you have submitted the dispute, CIBIL will verify the dispute internally and route it to the concerned credit institution. Once the CI responds to the dispute request, CIBIL will update the changes instantly (if applicable), and communicate the status to you via email.

Click here to understand the Dispute Resolution process.

How do I know the status of my dispute?

You will receive an automated email notification regarding the status of your dispute every 7 days.

I had raised a dispute for correcting information on my CIBIL Report but I have received a notification that I need to contact my credit institution, Why?

CIBIL cannot make a change to your CIBIL Report until authorized by the Credit Institution. This could either mean that CIBIL cannot update the information basis data provided by the credit institution or the credit institution has rejected your dispute. You will need to contact the concerned Credit Institution (CI) directly for further information or you can initiate a dispute request again and we will re-verify it with the relevant CI.

Why doesn't CIBIL verify information with consumer before updating the report?

The information available on your CIBIL REPORT is as reported to CIBIL by Credit Institutions (CIs). The onus lies with the CIs to report the facts accurately to CIBIL. CIBIL's responsibility lies in accurately updating and accumulating this information across CI's. In case you find any data inaccuracy in your CIBIL REPORT you can initiate a dispute with us and we will get the inaccuracies verified with the concerned CI. Any changes have to be authorized by the concerned CI for it to be updated in CIBIL records to reflect in your CIBIL REPORT.

What if I'm not satisfied with the results of dispute?

You can choose to contact the concerned Credit Institution (CI) directly. Alternatively, you can initiate a dispute request again and we will re-verify it with the relevant CI. Please note, we cannot make any changes to your CIBIL Report without the confirmation of the respective CI.

I see the message that certain information on the report is under dispute? What does this mean?

An alert (as highlighted in the below image) indicates that the information in certain sections of your CIBIL Report is disputed. The alert notification will be removed only once the dispute is resolved.

What action will CIBIL take if the CI does not resolve the dispute within 30 days?

CIBIL cannot modify any information in the database without confirmation from the relevant Credit Institution. We have an automated process where a daily reminder will be sent to the bank / CI until the dispute is resolved.

How much time does CIBIL take to update information once the bank has responded to the dispute?

Once we get the corrected data from the Credit Institutions (CI), we update our records instantly.

My account has not been updated for more than 2 months. What should I do?

There could be 2 reasons why your account has not been updated:

• Credit Institution has not submitted your recent data to CIBIL
• There is an ongoing dispute on your account

You can contact your credit institution directly and request them to take appropriate action.

I have approached the CI to update my account details, however I have not received any update?

If you have approached the credit institution directly to update your account in CIBIL records, the onus lies with the CI to send you an update. You can contact your credit institution to know the updated status of your account.

Security

TransUnion Interactive, Inc. understands the confidentiality of information contained in credit reports, and we safeguard the privacy of all information you provide to us through any TransUnion Interactive website.

SSL (Secure Sockets Layer) Encryption

To ensure that your credit information remains secure and confidential, TransUnion Interactive uses programs that encrypt the data you provide on the order form before transmission to TransUnion Interactive. Encryption is a way of coding the information in a file so that if it is intercepted by a third party as it travels over a network, it cannot be read. Only the person or persons that have the right type of decoding software can unscramble the message. Thus, your encrypted information can only be read by TransUnion Interactive.

Questions or concerns about the TransUnion Interactive's security system? Please contact the Customer Service Team.

TRANSUNION CIBIL PRIVACY POLICY

The purpose of this policy is to maintain the privacy of and protect the personal information of vendors, (and/or any of their employees), partners, members, end-users of TransUnion CIBIL Limited (“we”, “us”, “our”, “TransUnion CIBIL”) or any other individual whose personal information we receive and to ensure compliance with all laws applicable to us.

The contents of this privacy policy ("Privacy Policy") along with the general terms and conditions ("General TNC") available at http://www.transunioncibil.com/terms-and-conditions are applicable to all hyperlinks under http://www.transunioncibil.com and http://www.cibil.com and/or any other channels such as mobile application (“Websites”).

You hereby acknowledge of having read and accepted the terms of the Privacy Policy by use of this Website and/or otherwise by virtue of expressly consenting to provide us with your personal information. The capitalized terms used herein and not defined shall have the meaning set out in the General TNC.

TransUnion CIBIL's Privacy Statement

This Privacy Policy describes our policies and practices on the collection, use, disclosure, storage and security of information on the Websites.

Our Privacy Policy explains:

• What information we collect, how and why / the purpose for which we collect it.
• How we use that information.
• Disclosure of information
• Safety measures and procedures.
• Changes
• Addressing your concerns about your Personal Information

INFORMATION WE COLLECT AND HOW

“Personal Information” means any information that relates to a natural person, which, either directly or indirectly, in combination with other information capable of identifying such person and includes Sensitive Personal Data or Information which means such personal information which consists of information relating to:

• password;
• financial information such as Bank account or credit card or debit card or other payment instrument details;
• physical, physiological and mental health condition;
• medical records and history;
• biometric information;
• any other details relating to the above

Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information.

Through your use of the Websites, you may choose to provide us with Personal Information that identifies you or any other individual whose information you are authorized to provide. . Some examples of personal information that you may choose to provide TransUnion CIBIL, depending on the Products and Services you use and local law, are: name, address, identity and address proof, PIN code, gender, age, any personal unique identifier (such as PAN), email address, number, payment details, contact information, billing information, loan account numbers, information about third parties, such as references, mentors or contacts, that you provide to TransUnion CIBIL if it pertains to you or if you has their express written consent to do so.

Information we collect automatically

In general, you can visit this Website without telling us who you are or revealing any Personal Information about yourself. We routinely collect certain device-related and analytics information about our visitors and their use of our Websites. We track the Internet Protocol (IP) address from which people visit us/ our Websites for security reasons This IP address does not enable us to identify you by name or contact details, but it does allow us to maintain communication with your unique device during your visit. It also allows us to identify the location and country you are visiting from. We use the information we automatically receive from your web browser to see which pages you visit within our Website, which Website you visited before coming to ours, and where you go after you leave. We develop statistics that are helpful to understand how our visitors can use this Website. We use this information in the aggregate to measure the use of our Website and to administer and improve our Website. This statistical data is interpreted by us in its continuing effort to present the Website content that visitors are seeking in a format they find most helpful.

Certain other information may also be collected from your device automatically, if so permitted by you through your internet browser / device settings, which would be used to display the Websites correctly on your device.

We will not retain personal information that we have collected for a duration longer than is required for the purposes for which the information was collected to be used or is otherwise required to be retained under any applicable law for the time being in force. However, as per the provisions of CICRA, we are required to retain credit information and personal data, as defined under CICRA, for a minimum period of 7 (seven) years from the date of collection.

PURPOSE OF COLLECTION

The information we collect in order to provide our customers and end-users our products and services. Further the information we collect is also used to improve our services to you and/or fulfil obligations/ functions under the applicable laws including CICRA / contractual arrangements with you. You agree that we or our third party service providers collect your IP address or other generic identifier, which would not be capable of identifying you by your name. At times, we also use these identifiers to collect information regarding the frequency with which our guests visit various parts of our Websites.

Personalization. We may combine your credit information or other information collected through cookies and other technical methods with personally identifiable information in order to understand, improve and personalize your online experiences. There are times when we may, with your consent, collect personal information from you such as name, physical and email address, phone number for the purpose of enabling you to avail the services offered by TransUnion CIBIL and to enable TransUnion CIBIL to conduct its activities in accordance with the applicable laws and its contractual arrangements with you. If you choose not to provide the information we request, you can still visit this Website, but you may be unable to access certain options, offers and services.

Provision of Services and other Purposes. If and to the extent permissible under and subject to the applicable laws, TransUnion CIBIL may share your information with third parties (including not limited to its members and partners) for fulfilment of its functions under CICRA or activities ancillary thereto. TransUnion CIBIL discloses information to companies and individuals it employs to perform functions on its behalf. Examples include hosting our web servers, analysing data, providing marketing assistance, processing card payments, providing customer service etc. TransUnion CIBIL may disclose such information to third parties if you consent to such disclosures. If you expressly indicate that you would like to receive information about the opportunities, products or services of third parties, TransUnion CIBIL would supply your contact information to select third parties (including not limited to its members and/or partners), or others for the purpose of sending you e-mail or otherwise communicating with you. Such aggregated data does not identify users of the Website or the end-users individually, and may be made available to various market intermediaries. TransUnion CIBIL may use the information it collects for the Products and Services, to provide, maintain, protect and improve the Products and Services, to develop new ones, and to protect TransUnion CIBIL and our other consumers. TransUnion CIBIL also uses this information to offer you tailored content – like giving you more relevant search results and advertisements. TransUnion CIBIL may use the email address and other details to inform you about TransUnion CIBIL’s Products and Services, such as letting you know about upcoming changes or improvements etc.

You agree that we or any of our members and/or partners may contact you from time to time to provide the offers/ information of such products/ services that we believe may benefit you.

TransUnion CIBIL may disclose and transfer such information to a third party who acquires any or all of TransUnion CIBIL’s business units, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets or by any other permitted way.

DISCLOSURE OF INFORMATION

We may use personal information shared by you or Consumer during the process of registration or otherwise for verification purposes and the customer agrees and allows TransUnion CIBIL to share such information with third parties solely for verification purposes. We may also use the information you provide to update our consumer credit database.

We may provide information so collected from you to government authorities or any court of law as per the applicable laws of India or as per our agreement with our third party service providers or any third party. However, such third party receiving your personal information shall not disclose it further, save and except if required under the any law.

It is possible that we may need to disclose personal information when required by law, such as responses to civil or criminal summons / subpoenas, or other requests by law enforcement personnel. We will disclose such information wherein we have a good faith belief that it is necessary to comply with a court order, ongoing judicial proceeding, subpoena, or other legal process or request to TransUnion CIBIL brought in any country throughout the world, or to exercise our legal rights or defend against legal claims.

Additionally, any disclosure of credit information received by TransUnion CIBIL pursuant to the provisions of CICRA is made only if such disclosure is permitted under the provisions of CICRA. As per the provisions of CICRA, all TransUnion CIBIL’s employees, managers, officers, authorized personnel, agents, sub- contractors and other persons who deal with or have right to access data, information and credit information are essentially required to comply with confidentiality, fidelity and secrecy obligations and sign covenants in this regard.

LINK TO THIRD PARTY SITES

We may link to the websites of other third parties. These third-party websites may collect personal information about you on those Websites, and our Privacy Policy does not extend to these external websites and third parties. Please refer directly to these third parties and web sites regarding their privacy policies. Links to third party sites do not imply endorsement or approval of the sites by TransUnion CIBIL and we cannot accept responsibility for the privacy practices of any websites not controlled by us. We encourage you to review the privacy policies of any third-party sites you visit.

HOW WE COLLECT INFORMATION

Some of our web pages including our third party service providers store and use "cookies" so that we can better serve you with customized information when you return to our site. Cookies are identifiers which a web site can send to your browser to keep on your computer to facilitate your next visit to our site. You can set your browser to notify you when you are sent a cookie, giving you the option to decide whether or not to accept it.

Cookies and other technical methods may involve the transmission of information either directly to us or to another party authorised by us to collect information on our behalf. The information from use of these technical methods may be collected in a form that identifies you personally. You may get cookies from our advertisers. We do not control these cookies, and once you have clicked on the advertisement and left our Website, our Privacy Policy no longer applies.

We also use these technical methods in HTML e-mails that we send you for a number of purposes including: to determine whether you have opened or forwarded those e-mails and/or clicked on links in those e-mails; to customise the display of the banner advertisements and other messages after you have closed an email; and to determine whether you have made an enquiry or purchase in response to a particular email.

APPLICATION

This privacy policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you in search results, sites that may include TransUnion CIBIL services, or other sites linked from our services. This privacy policy does not cover the information practices of other companies and organizations who advertise our services, and who may use cookies, pixel tags and other technologies to serve and offer relevant ads.

SAFETY MEASURES AND PROCEDURES

We will not sell, trade or disclose to third parties any information derived from the registration for, or use of, any online service (including names and addresses) without your consent unless required under applicable law save and except to any of our Members and/or Affiliates for helping you in receiving loans or other purposes in relation to the businesses of our Members and Affiliates and as may be required by legal process or in the case of imminent physical harm to any person. Further, TransUnion CIBIL will allow its Members, Affiliates to access the information for purposes of confirming your registration and providing you with benefits you are entitled to.

Upon withdrawal of consent by you, personal information shared by you or any Consumer will not be used/retained by TransUnion CIBIL for any purposes. You may withdraw the consent by way of unsubscribing from the services offered by TransUnion CIBIL or by sending a written notice of withdrawal to TransUnion CIBIL.

We will take appropriate steps to protect the information you share with us. We have implemented reasonable security practices and procedures, technology and security features and strict policy guidelines to safeguard the privacy of your personally identifiable information from unauthorized access and improper use or disclosure. We will continue to enhance our security procedures as new technology becomes available.

TransUnion CIBIL shall not publish the personal information provided by you without your consent save and except as stated in this Privacy Policy and/or in the General TNC.

Despite these reasonable efforts to safeguard personal information from loss, theft, alteration, or other types of misuse, we cannot guarantee that such loss will never occur. There is always a risk that a third party, without our authorization, might unlawfully access our systems or otherwise access personal information. Whilst we undertake reasonable measure, we are also not responsible for the authenticity of any information which is provided by you or otherwise collected from your use of the Websites, whether personal or otherwise.

CHILDREN’S PRIVACY

The Websites are not intended or designed to attract or be otherwise used by children under the age of 18 years. By using the Websites, you confirm that you are either 18 years of age or more, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into, comply with and be bound by the terms, conditions, obligations, affirmations, representations, and warranties set forth in this Privacy Policy.

Children under 18 years of age should not submit any personal information to us without the express permission of their parent or legal guardian. If you believe that your child has submitted personal information and you would like to request that their information be removed from our systems, please reach out to us at the contact information provided below. We will make reasonable efforts to comply with your request.

CHANGES

We reserve the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this privacy policy, we will notify the same by means of a notice on our home page. By continuing to use any of our services after notice of changes have been published on the Website, you are consenting to the changes.

If our privacy policy changes in the future, it will be posted here and a new effective date will be shown. You should access our privacy policy regularly to ensure you understand our current policies. TransUnion CIBIL will attempt to respond to all reasonable concerns or inquiries on a best efforts basis within a reasonable period of time.

TransUnion CIBIL may provide notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via email notice, written or hard copy notice (including via fax), or through posting of such notice on the Website. TransUnion CIBIL reserves the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as described herein. TransUnion CIBIL is not responsible for any automatic filtering that you or your network provider may apply to email notifications we send to the email address you provide us.

We may choose to use testimonials/ feedback provided by you via email or on the Website for marketing purposes. By making any suggestions, feedback or comments on our Website, for our people and services, you have agreed to allow us to publish the same for marketing purposes by TransUnion CIBIL.

GOOGLE ADWORDS REMARKETNG

Explanation:

This website (www.transunioncibil.com) and/or other channels such as mobile applications uses Google Adwords Remarketing services to help analyze consumer behavior. Whenever consumer visits our website, google system (Adwords Remarketing) would drop cookies (a packet of small data text files with id tags) on consumer’s system. Once consumer leaves our website and goes to some other website which have content or website relevant to our website (like Banks), Google would display our ads on those websites based on cookies which were dropped earlier by Google (while consumer was on TransUnion CIBIL’s website). It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. Any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.

Privacy of Collected Data:

We will never use the statistical analytics tool to track or to collect any Personally Identifiable Information (PII) of visitors to our site. TransUnion CIBIL will not link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source.Information to Google Adwords privacy policy can be found at the following link- https://support.google.com/adwordspolicy/answer/143465?hl=en

Information About Google Remarketing:

This website uses Google Remarketing to advertise online using text or image ads on the Google Display Network. Remarketing is a feature that lets us reach people who have previously visited our site, and show them relevant ads when they visit other sites on the Google Display Network.

Website Terms And Conditions:

In order to undertake Remarketing, Google has instructed to include certain terms in our website terms and conditions such as - We utilize Google Analytics features which are implemented based on Display Advertising (e.g., Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, or Google Analytics Demographics and Interest Reporting).

TransUnion CIBIL uses Remarketing with Google Analytics to advertise online. Third-party vendors, including Google may show TransUnion CIBIL ads on sites across the Internet.

TransUnion CIBIL and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on website visitors past visits to our website.

TransUnion CIBIL and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) together to report how your ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to visits to TransUnion CIBIL site.

TransUnion CIBIL would use data from Google's Interest-based advertising or 3rd-party audience data (such as age, gender, and interests) with Google Analytics.

In order to opt out of Google Analytics for Display Advertising / Remarketing consumer can access Google Analytics' Google Analytics Opt-out Browser Add-on at following link https://tools.google.com/dlpage/gaoptout/. . Consumers can customize Google Display Network ads by using the Ads settings for their respective google accounts

By accessing the Website, providing personal information for inclusion in TransUnion CIBIL’s database, or by using the Products and Services, you hereby consent to your information being stored, used, altered, modified, compiled, dis-assembled, shared and disseminated as described here, by TransUnion CIBIL and its Affiliates.

ADDRESSING YOUR CONCERNS ABOUT YOUR PERSONAL INFORMATION

Any requests, questions, clarifications or grievances with respect to this Policy or about your Personal Information can be sent to our Grievance Officer at:
Name: Ms. Berly Varghese, Grievance Officer Postal address:
TransUnion CIBIL Limited
One World Centre, Tower 2A, 19th Floor, enapati Bapat Marg, Lower Parel, Mumbai – 400 013.
Email address: [email protected]
Helpline number: 022-61404300 (from Monday to Friday between 10 am to 6 pm)

If you wish to receive a response by email or mail, please be sure to include your name and postal address or email address, as the case may be.

All grievances shall be redressed in an expeditious manner. Subject to complete details in relation to the grievance being provided, the Grievance Officer shall redress all grievances within a maximum period of 30 days from the date of receipt of the grievance.

GOVERNING LAW

This Privacy Statement is governed by the laws of India. Any action, suit, or other legal proceeding, which is commenced to resolve any matter arising under or relating to this Policy website, shall be subject to the exclusive jurisdiction of the courts at Mumbai, India.

TERMS AND CONDITIONS FOR PROVISION OF SERVICES

This document lays out the terms and conditions and rules, as may be amended and supplemented, from time to time, (Terms) which shall be applicable to the provision of: (i) Credit Information Reports (Individual CIRs) and Company Credit Information Report (Company CIRs) (collectively referred to as, Reports) either /or for (a) Free Annual Credit Report and Score (as mandated by the Reserve Bank of India) (b) Subscribed Product ( Unlimited Access within the subscription period) to either an individual, a partnership firm, a company (as defined in section 2 (20) of the Companies Act, 2013 ), a body corporate (as defined under Section 2(11) of the Companies Act, 2013), a co-operative society, a trust, an association of persons whether incorporated or not, and any other entity, and shall include their heirs, representatives, successors and assigns, as permitted and applicable, (Persons) who can apply for the CIRs and/or the Commercial CIRs, under applicable law; (ii) any other products and services rendered by TransUnion CIBIL to the Persons (collectively referred to as, Products and Services) by TransUnion TransUnion CIBIL Limited ("TransUnion CIBIL") having its registered office at One World Center, 19th Floor, Tower 2, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013 (Transaction).

The words, "I", "We", "us", "me", "my", "myself", "customer" and "consumer" refer to the Person(s) who request for their respective Reports or receive the Products and Services or pursue the Transaction (as defined hereinabove) or part thereof (Consumer) and shall include both singular and plural. Reference to the masculine gender shall include the feminine and neutral gender or any other legal entity.

I acknowledge and expressly agree with the following terms and conditions:

GENERAL

I/We have read, understood and agree to abide by these Terms including any changes thereto made by TransUnion CIBIL in its sole discretion, from time to time, relating to my Transaction with TransUnion CIBIL, which changes shall be made available on TransUnion CIBIL's website/s (www.cibil.com and www.transunioncibil.com). I/We agree that the Terms form a valid contract between myself/ourselves and TransUnion CIBIL, and that TransUnion CIBIL may, at its sole discretion, amend the Products and Services relating to the Transaction and/or the Terms, either wholly or partially, at any time in the manner stated above and without the requirement of any prior notice or consent.

I/We agree that these Terms constitute the entire agreement between myself/ourselves and TransUnion CIBIL with respect to the Transaction and these Terms supersede all prior or contemporaneous communications and proposals, if any, whether electronic, oral, or written, between me/us and TransUnion CIBIL with respect to the Transaction. A printed version of these Terms and of any notice given in electronic form shall be valid and admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as any other documents and records originally generated and maintained in printed form.

I/We agree and understand that that any and all information contained in the Reports and the Products and Services has been collated by TransUnion CIBIL based on the information provided by its various member banks and credit institutions (Members). Consequently, TransUnion CIBIL shall not be responsible for the accuracy, completeness, and veracity of any and all such information as provided. I/We also understand that the information is current and up to date to such extent as provided by the Members and is subject to changes and amendments made thereafter and that any information contained herein does not reflect the views of TransUnion CIBIL or its directors or employees. Also, TransUnion CIBIL shall incur no liability and shall not be required to indemnify me/us for any loss, damages, claims or expenses incurred by me/us for any incorrect reports provided due to incorrect information and/or documents provided by me/us or if for any technical reason, any incorrect report is provided otherwise.

I/We agree that the provision of the Reports and the Products and Services shall be limited to the territory of India.

The information contained in the Reports shall be updated upto such dates which the relevant Members with whom I/we have a relationship with, has provided information to TransUnion CIBIL based upon which updated information TransUnion CIBIL has been able to update the Reports and TransUnion CIBIL shall not be responsible in the event my information is not updated by the Members.

I/We understand and agree that TransUnion CIBIL shall not be required to seek prior permission from me/us for updating information that may be reported to TransUnion CIBIL by the Members or otherwise come to the information of TransUnion CIBIL and TransUnion CIBIL shall not be responsible to verify the correctness of the information received hereby. TransUnion CIBIL shall reproduce the information submitted to it by its Members on "as is" basis.

TransUnion CIBIL shall have the right to terminate provision of the Report/s and/or the Products and Services or any part thereof, at its sole discretion at any time. Further, notwithstanding the Terms contained herein, TransUnion CIBIL reserves the right to reject my Request Form (defined below) made due to any reason whatsoever and shall not be required to specify such reason for rejecting the same.

TransUnion CIBIL reserves the right to initiate legal proceedings including criminal proceedings against the perpetrators of fraud, money laundering or any other form of wrong doing in relation to the Products and Services. I/We have read in full and have completely understood the steps to access Report/s and/or the Products and Services offered on TransUnion CIBIL's website/s (www.cibil.com and www.transunioncibil.com).

An 'insufficiency would have taken place, including but not limited to, any of the following reasons:

• Address proof not provided, invalid (not acceptable as defined by TransUnion CIBIL) or is expired (not currently relevant);
• ID proof not provided or is invalid (not acceptable as defined by TransUnion CIBIL) or is expired (not currently relevant);
• Address or ID proof does not match with that provided on the Request Form;
• Personal Information not matching on the Reports and/or Request Form and/or the identification documents provided;
• Request for the Individual CIR of a minor;

REQUEST FORMS FOR PRODUCTS AND SERVICES AND PROOF OF IDENTITY AND ADDRESS

1. I/We understand that all applications for the Report/s or the Products and Services shall be provided by TransUnion CIBIL only on the submission by me/us of the duly completed request forms, the Credit Information Report, as may be applicable, for the Reports and/or the relevant Products and Services, as may be applicable, or through the user form available online (Request Form) which may be obtained or accessed at TransUnion CIBIL's website/s (www.cibil.com and www.transunioncibil.com).

2. I/We agree to comply with the KYC requirements as required by TransUnion CIBIL and specified by TransUnion CIBIL from time to time.

3. Any application made by me/us other than in the prescribed Request Form or which are incomplete in any manner shall not be considered a valid application and will be rejected by TransUnion CIBIL without providing any reason whatsoever.

4. All details provided by me/us in the Request Form should match the details provided by me/us to any of the Member who I have any type of relationship with or in the event I/we do not have any relationship with any Member, the details that are similar to that as provided in the Address Proof (as defined hereinafter) as mentioned herein.

5. Proof of my/our identity (Identity Proof) and proof of my/our address (Address Proof) shall be required to be submitted by me/us along with the Request Form, and in the event I/we fill the Request Form online on TransUnion CIBIL's website, such documents shall be required to be posted by me/us to TransUnion CIBIL at the following address (Processing Address): Consumer Relations, TransUnion CIBIL Limited, One World Center, 19th Floor, Tower 2, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013.

6. TransUnion CIBIL shall not be responsible if any of the documents relating to my/our Identity Proof or Address Proof are lost in transit prior to receipt of such documents by TransUnion CIBIL at the abovementioned processing address.

7. I/We agree that all documents provided along with the Request Form shall be valid and should not have expired, as applicable. Further, I/we agree that copies of the documents provided shall not be returned by TransUnion CIBIL irrespective of the fact whether or not the Credit Information Report or any other Products and Services is made available and/or provided to me/us.

8. All documents relating to the Request Form, Identity Proof and Address Proof must reach TransUnion CIBIL at its Processing Address within 7 (seven) business days of the date of filing of the Request Form. Payment of appropriate charges and any documents, payments, verification, clarifications and other information should be provided by me/us within a period of 90 (ninety) days from the date of the filing of the Request Form, upon the expiry of which the application shall be considered as incomplete and a fresh Request Form shall have to be provided along with all other necessary documents including payment of requisite fees in relation thereto.

9. I/We understand that if due to the provision of wrong or incomplete information provided by me/us in the Request Form, or for online ID Authentication Process, as may be applicable, an incorrect Report or such Service as the case may be is received by me/us and in that case, TransUnion CIBIL shall in no manner be responsible for the same and any subsequent request for a fresh Report or such Service as the case may be shall be treated as a fresh request and application and hence shall be charged accordingly.

Also, due to the provision of wrong or incomplete information provided by me/us in the Request Form, or for online ID Authentication Process, as may be applicable, the Report so generated may belong to a person other than me/us, and may be sent to such person at my/our cost. In such cases, I understand that TransUnion CIBIL shall not be liable to refund any payments made by me/us in this regard and that I/we shall have to furnish a fresh Request Form and submit fresh payment for my/our Credit Information Report.

TERMS AND CONDITIONS OF PAYMENT (WHEREVER APPLICABLE)

1. The charges for the Subscribed Products and Services shall be as stipulated by TransUnion CIBIL from time to time and I/we agree to pay the same. The charges for any Subscribed Products and Services may be amended by TransUnion CIBIL from time to time subject to applicable laws.

2. I/We acknowledge and agree that the charges as specified are the cost of a Report or other Products and Services, as may be applicable and other charges including any delivery charges, payment gateway charges and taxes and other duties which shall be payable by me/us, as applicable and prescribed by TransUnion CIBIL relating to costs that TransUnion CIBIL may incur for the purposes of facilitating me/us in the payment mechanism and in getting my/our Report or other Products and Services delivered at my/our validated address.

3. I/We understand that the payment gateway and net-banking channels may not belong to TransUnion CIBIL and agree to abide by the rules and regulations and terms prescribed by such third party in the process of facilitating my/our payment through the said payment gateway and net-banking channels.

4. A request once made by me/us shall not be cancelled and no charges relating to such order shall be refunded. However, I/we understand that there may be instances when no Report, as may be applicable, is generated because the Credit Information does not exist in TransUnion CIBIL's database or the details provided by me/us were not adequate to access the relevant Credit Information. In such cases, a "no-hit" report will be generated by TransUnion CIBIL and provided to me/us. I/We understand that a 'no-hit' Credit Information Report may not provide any information.

5. I/We understand that unless complete and full payment along with submission of the required documents is made by me/us, TransUnion CIBIL shall not be obliged to process or issue any Credit Information Report to me/us.

PAYMENT MODES (WHEREVER APPLICABLE)

Payment through Credit Cards/Debit Cards:

I/We understand that any payment for the Products and Services through my/our VISA or MASTERCARD or other service provider (as provided by the Payment Gateway Merchant) Credit Card or Debit Card as the case may be, may be made.

Payment through Net Banking:

I/We understand that a payment of the stipulated charges for Reports and/or Products and Services may be made through my/our Net Banking channel.

TERMS OF PAYMENT (WHEREVER APPLICABLE)

Charges for Credit Information Report: I/We agree to pay such amount as stipulated by TransUnion CIBIL for the issue of my Credit Information Report. The charges are inclusive of delivery charges, payment gateway charges (if any) and all applicable taxes.

If the payment is made through Credit Card or Debit Card:

1. I/We represent that the Credit Card or Debit Card used by me/us to make payment herein, is my/us own Credit Card or Debit Card or I/we have full authority and permission to use the same to make payment herein.

2. Processing of the Request Form shall take place only after TransUnion CIBIL realises the payment through from the Credit Card/Debit Card payment gateway merchant for the full amount. In the event there is any error in the payment of the full amount through this mode, the relevant Request Form shall not be processed.

In the event payment is made more than once for the same transaction, I/we understand I/we am /are required to email TransUnion CIBIL at [email protected] or call TransUnion CIBIL at +9122-61404300 or such other number as TransUnion CIBIL may intimate on its Website/s (www.cibil.com and www.transunioncibil.com) from time to time and inform TransUnion CIBIL of the same. Upon request by TransUnion CIBIL, I/we shall provide the relevant reference number from the issuing bank or financial institution providing net banking services or issuing the Credit Card/Debit Card, as the case may be, in order to reverse such duplicate payment. I/We understand such reversals shall be made to the same account from which payment was made or the same Credit Card/Debit Card from which payment was made, as the case may be, and that TransUnion CIBIL shall make its best endeavours to credit the refund after the expiry of at least 4 (four) working days.

TransUnion CIBIL shall not be liable in any manner whatsoever for any fraud that may be committed on my/our net banking account or my Credit Card/Debit Card, as the case may be, whether due to loss or theft or otherwise.

The technology for enabling the payment by way of net banking services or Credit Card/Debit Card could be affected by virus or other malicious, destructive or corrupting code, programme or macro. This could result in delays in the processing of instructions or failure in the processing of instructions. TransUnion CIBIL shall not be liable, whether direct or indirect, whether arising out of loss or profit or otherwise arising out of any failure or inability by the relevant bank or financial institution to honour any customer instruction for whatsoever reason.

I/We understand that the Net Banking channel is available only if I/we have an online banking account with my/our bank or financial institution from where the said amount will be directly debited from my/our account with my/our instructions online and such facility is available only if I/ we hold an account with the banks as maybe provided by payment getaway merchant and/or TransUnion CIBIL, from time to time.

If the payment is made through net banking facilities:

1. I/We shall use only my/our own net-banking account details to transact on this Website or have full authority and permission to use the net-banking account to make payment as required herein.

2. Processing of the Request Form shall take place only after TransUnion CIBIL realises the payment through from the net-banking payment gateway merchant for the full amount. In the event there is any error in the payment of the full amount through this mode, the relevant Request Form shall not be processed.

RAISING A GREIVANCE OVER ANY INFORMATION

A grievance request can be raised by me/us, by visiting TransUnion CIBIL website/s (www.cibil.com and www.transunioncibil.com). TransUnion CIBIL will initiate the dispute with the relevant credit institution and notify appropriately.

I/we agree and understand that TransUnion CIBIL may suspend any or all of the services and/or Transaction mentioned herein, including raising of a grievance request as set out above, and upon the happening of the same, TransUnion CIBIL shall not be under any obligation to process the grievance request raised by me from such date of suspension.

REFUNDS AND CHARGE BACK (WHEREVER APPLICABLE)

1. In the event a request made by me/us in relation to a Service is not a valid request, or if it is rejected by TransUnion CIBIL for any reasons whatsoever or TransUnion CIBIL is unable to provide the same, I/we agree to pay to TransUnion CIBIL, processing charges and TransUnion CIBIL shall refund to me/us such amounts as may be decided by TransUnion CIBIL in its sole discretion from time to time.

2. Only for the following reasons and any other reasons decided by TRANSUNION CIBIL at its sole discretion, TransUnion CIBIL shall refund the payments made by me/us after deducting the relevant processing charges as may be required by TransUnion CIBIL, in its sole discretion, from time to time:

In case of Transactions through Net Banking/using Debit or Credit Cards and in the event of a fraudulent transaction carried out on my/our bank account/card without my/our authorisation verified by the police;

In the event of any technical snags between my/our computer and/or TransUnion CIBIL and/or the issuing bank wherein my/our transaction could not be completed, whereby I/we was/were charged twice for a single transaction (duplicate processing).

DELIVERY OF REPORT/S AND OTHER PRODUCTS AND SERVICES

1. I/We understand and agree that delivery of the Report/s and/or Products and Services will be provided through a login based dashboard. The access will be provided only basis successful authentication as per TransUnion CIBIL's standard authentication process.

2. On any change in my personal information and/or address, I/we shall update my address in the records of the relevant Member/s with whom I/we have my respective relationship account/s, else, TransUnion CIBIL would not be able to deliver the Report at my/our desired address.

3. I/We understand and agree that in case I/we provide email address for delivery of the Report/s and/or Products and Services by opting for delivery through email, TransUnion CIBIL shall not be responsible for the correctness of the email ID and delivery of the Report/s and/or Products and Services made by TransUnion CIBIL to such email address (with encryption) shall be complete dispatch of the Report/s and/or Products and Services.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

1. I/We acknowledge, understand and agree that by providing the Report/s and the Products and Services (whether through this Website/s (www.cibil.com and www.transunioncibil.com) or otherwise), TransUnion CIBIL is acting as a facilitator. TransUnion CIBIL, thus, does not warrant that the functions contained in the above mentioned Website/s will be uninterrupted or error free, that defects will be corrected, or that this Website/s or the servers that make it available are free of viruses or other harmful components, but shall take commercially reasonable efforts to correct the delays in operation of the Website/s.

2. In no event shall TransUnion CIBIL be liable for any direct, indirect, punitive, incidental, special, consequential damages or any other damages.

3. I/We acknowledge, understand and agree that, without limiting the above clause 2, TransUnion CIBIL shall not be responsible and disclaims all responsibilities for any claim, liability, or any damage resulting from, arising out of, or in any way related to: (a) the use or the inability to use the Report/s and/or the Products and Services or this Website; (b) the cost of procurement of substitute services; (c) unauthorized access to or alteration of transmissions or data; (d) any other matter relating to the provision of services for underlying Transaction; including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Website/s, the Report/s and/or Products and Services, or otherwise, (e) any errors in or omissions from this Website/s, including but not limited to technical inaccuracies and typographical errors, (f) any third party websites or content therein directly or indirectly accessed through links in this Website/s, including but not limited to any errors in or omissions therefrom, (g) the unavailability of this Website/s or any portion thereof, or (h) my use of any equipment or software in connection with this Website/s.

4. I/We agree that I/we shall not hold TransUnion CIBIL liable or responsible for non-availability of its Website either due to internet connectivity speeds or errors on my/our computer or during periodic maintenance operations or any unplanned suspension of access to the Website that may occur due to technical reasons or for any reason beyond TransUnion CIBIL's control. I/we understand and agree that any material and/or data downloaded or otherwise obtained through this Website/s is done entirely at my/our own discretion and risk and I/ we will be solely responsible for any damage to my/our computer systems or loss of data that results from the download of such material and/or data.

5. I/We understand and accept that no information with regards to the Report/s, the Request Form, the Reports or any of the Products and Services shall be provided by me/us vide telephone or in person or vide e-mail excluding vide the document relating to Identity Proof or Address Proof. If any information is provided by me/us vide telephone or in person or vide e-mail excluding vide the document relating to Identity Proof or Address Proof, TransUnion CIBIL shall have no responsibility for any damage or loss to me/us due to such provision of information by me/us.

6. This Website/s is on an "as-is", "as available" basis and TransUnion CIBIL expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Apart from above, the respective Report/s and/or Products and Services shall have their disclaimers. I agree, acknowledge and accept the same.

MISCELLANEOUS

1.Severability

In the event that any provision of these Terms is declared by any juridical or other competent authority to be void, voidable, illegal or otherwise unenforceable or indications of the same are received by either me/us or TransUnion CIBIL from any relevant competent authority, TransUnion CIBIL shall have the right to amend that provision in such reasonable manner as it thinks fit without illegality or it may be severed from this Agreement in such manner as TransUnion CIBIL thinks fit and the remaining provisions of these Terms shall remain in full force and effect unless TransUnion CIBIL decides in its sole discretion to stop the provision of the Report/s and/or Products and Services either wholly or in part.

2.Variation

In furtherance of these Terms and subject to applicable laws, I/we understand that TransUnion CIBIL reserves the right to issue further directions which shall be applicable to me/us from, time to time. Other than as otherwise provided by these Terms, all alterations to these Terms shall be made by TransUnion CIBIL with an intimation on this Website and shall become applicable upon such intimation, and without the requirement of any prior notice or intimation to any Consumer of such variation. I/We agree to accept any such variation made by TransUnion CIBIL in this regard regardless of the mode through which I/we have approached TransUnion CIBIL.

3. Non- Assignment

I/We shall not assign or transfer any of my rights and/or obligations in relation to the transaction contemplated herein under or pursuant to these Terms to any other person.

4. Indemnification

I/We agree to defend, indemnify, and hold harmless TransUnion CIBIL, its officers, directors, employees, agents, licensees, affiliates, advisors, successors and assigns from and against any and all loss, damage, liability, claim, demand, suit, cost and expense (including court costs and reasonable attorney fees) suffered and/or incurred (as the case maybe) by TransUnion CIBIL and/or resulting from: (i) breach by me/us of any these Terms; (ii) claims made against TransUnion CIBIL by third parties including any bank/credit institution arising pursuant to the provision of services with respect to the Transaction and/or any matters incidental thereto.

5. Miscellaneous

I/We hereby confer TransUnion CIBIL with the right to use any data and information provided by me/us vide the Request Forms in any manner including for any purpose stipulated by TransUnion CIBIL, provided that the same shall be valid under applicable law.

I/We understand that by providing my/our mobile number and email address. I/we have assented to receiving SMS (es)/Email (s) and I/we may be sent SMS (es)/Email (s) to update status of my/our order for Report/s / Products and Services on TransUnion CIBIL's Website/s (www.cibil.com and www.transunioncibil.com). I/We further understand that by providing my/our said mobile number and email address (es), I/we have also assented to receiving calls and emails from TransUnion CIBIL, their agents etc. regarding any other TransUnion CIBIL services not covered hereunder. I. I further acknowledge that I am providing written instructions for the [name of the Company] to receive my contact information (as may be available on my application form and/or Consumer Credit Information or as may be updated by me) and expressly consent to the [name of the Company] to contact me, either by SMS, email or call, with regard to my Consumer Credit Information and /or any products/services that [name of the Company] may offer to its customers. I expressly waive any and all rights available to me under the Telecom Commercial Communications Customer Preference Regulations, 2010 and any other applicable law in relation to the offers or solicitations made by [name of the Company] and/or TransUnion CIBIL.

6. Force Majeure

TransUnion CIBIL shall not be liable for any failure to perform any of its obligations under these Terms or provide the Report/s and/or the Products and Services or any part thereof if the performance is prevented, hindered or delayed by a Force Majeure Event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure Event continues.

Force Majeure Event means any event due to any cause beyond the reasonable control of any Party, including, without limitation, unavailability of any communication system, breach or virus in the systems, fire, flood, explosion, acts of God, civil commotion, riots, insurrection, war, acts of government or acts of third party/ies.

7. Governing Law, Jurisdiction And Arbitration

These Terms are governed by and are subject to Indian laws.

In the event of any claim, dispute or difference arising out of or in relation to these Terms, the claim, dispute or difference shall be referred to arbitration to be conducted by a sole arbitrator to be appointed by TransUnion CIBIL who shall be the presiding arbitrator and the decisions and award of the arbitral tribunal shall be final and binding. The arbitration proceedings shall be held in Mumbai and shall be conducted in the English language and be governed by the provisions of Arbitration and Conciliation Act, 1996 and any modification or re-enactment thereof in force at the relevant time. All costs of such arbitration shall be borne by the Consumer.

Subject to what is stated above, any matters which may require the intervention or any determination by a Court, including any appointment of any arbitrators under Section 11 of the Arbitration and Conciliation Act, 1996, whether prior to, or during or after the aforesaid arbitration, shall be subject to the exclusive jurisdiction of the Courts in Mumbai.

Grant of Consent

To,
TransUnion CIBIL Limited
19th Floor, One World Center Tower 2,
841 Senapati Bapat Marg,
Lower Parel,
Mumbai — 400 013

Sub: Grant of Consent

Dear Sirs,
In connection with submission of the application for my credit information offered by TransUnion CIBIL Limited (TU CIBIL) ("Consumer Credit Information") through (referred to as the "Company") and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TU CIBIL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TU CIBIL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TU CIBIL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TU CIBIL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TU CIBIL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TU CIBIL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TU CIBIL

E. I acknowledge and accept that: (a) TU CIBIL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TU CIBIL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to the Company authorizing the Company to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED. I further authorize the Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases "By checking this box and clicking on the 'Authorize' button, I agree to the terms and conditions, acknowledge receipt of TU CIBIL privacy policy and agree to its terms, and confirm my authorization for the Company to obtain my Consumer Credit Information."

G. I understand that in order to deliver the product to me, I hereby authorize the Company, to obtain my Consumer Credit Information from TU CIBIL.

H. By submitting this registration form, I understand that I am providing express written instructions for the Company to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Company account. I further authorize the Company to retain a copy of my information for use in accordance with Company's Terms of Use and Privacy Policy. I further acknowledge that I am providing written instructions for the Company to receive my contact information (as may be available on my application form and/or Consumer Credit Information or as may be updated by me) and expressly consent to the Company to contact me, either by SMS, email or call, with regard to my Consumer Credit Information and /or any products/services that the Company may offer to its customers.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN "AS-IS", "AS AVAILABLE" BASIS AND TU CIBIL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TU CIBIL, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter "Releasee"), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses"), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TU CIBIL with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TU CIBIL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TU CIBIL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,

Signature:

Name:

Address:

Protecting your Information

Below are some Tips on how to protect your Data Online:-

• Mobile security tips
• Research and download apps from a safe, trusted source.
• Read the terms and conditions around app permissions before clicking on "I agree".
• Review the app ratings before deciding whether the content is appropriate for download.
• Ensure your apps are updated regularly and watch out for new updates or permissions that the app may require.
• If you are using a banking app or any other app for financial transactions, follow basic tips such as protecting your phone with a password, not changing factory security settings and/or logging out from the app when finished.
• Use antivirus to keep you mobile device safe.
• Computer security and safe browsing tips
• Be careful while clicking on any attachment or links in an email.
• Beware of updating/uploading sensitive information on websites such as banking websites
• Ensure your network connections are secure and you browse only on secure networks and not on a public network.
• Create hard-to-guess passwords that include upper and lower case letters, numbers and special symbols.
• When shopping online, or visiting websites for online banking or other sensitive transactions, ensure the site's address starts with "https", instead of just "http", and has a padlock icon in the URL field.
• Equip your computer with an updated anti-virus software.
• Ensure your computer and mobile device have the latest software versions installed.
• Change your password every 2 months.
• Do not share your sensitive data as that may lead to identity theft.
• Do not re-use your office computer password for personal emails and services.