Terms & Conditions

These Terms & Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “you”) and Credora Technologies OPC Pvt Ltd (“Credora”, “Company”, “we”, “us”, “our”), a One Person Company incorporated under the Companies Act, 2013, governing your access to and use of our websites, platforms, applications, and services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

1. Acceptance & Eligibility

You must be at least 18 years of age and legally capable of entering into a binding contract under the Indian Contract Act, 1872. By using the Services you represent and warrant that you meet these requirements and that all information you provide is accurate and current.

2. The Services

Credora operates a technology ecosystem across sectors including construction verification, community engagement, family heritage, financial compliance, and mobility. The Services, including all features, content, and availability, are provided at our sole discretion and may be modified, suspended, or discontinued at any time without notice or liability.

3. User Accounts & Responsibilities

• You are solely responsible for maintaining the confidentiality of your account credentials and for all activity under your account.
• You agree to notify us immediately at support@credora.info of any unauthorised use or security breach.
• You are responsible for ensuring your use of the Services complies with all applicable laws and regulations.

4. Acceptable Use

You agree not to, and not to permit any third party to:

• use the Services for any unlawful, fraudulent, or unauthorised purpose;
• interfere with, disrupt, probe, or attempt to gain unauthorised access to the Services or related systems;
• upload or transmit malware, or any harmful, defamatory, obscene, or infringing content;
• reverse-engineer, decompile, scrape, or create derivative works from any part of the Services except as permitted by law;
• misrepresent your identity or affiliation with any person or entity.

We reserve the right, without liability, to suspend or terminate your access for any actual or suspected violation of these Terms.

5. Third-Party Services & Content

The Services may reference, link to, or integrate third-party platforms, data sources, and services. Credora does not control and is not responsible for any third-party content, products, or services, and any dealings with such third parties are solely between you and that third party.

6. Intellectual Property

All content, software, trademarks, logos, designs, and materials comprising the Services are the exclusive property of Credora or its licensors and are protected by applicable intellectual-property laws. No rights are granted to you except a limited, revocable, non-exclusive, non-transferable licence to use the Services for their intended purpose.

7. Fees, Payments & No Refunds

Certain Services may require payment of fees. All fees are payable in advance and are strictly non-refundable, except where a refund is expressly required by applicable law. Please refer to our Refund & Cancellation Policy for full details.

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION. Credora does not warrant that the Services, or any data, results, or verification provided through them, are accurate, complete, reliable, or suitable for any particular purpose. You use the Services entirely at your own risk.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CREDORA, ITS DIRECTOR, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL HAVE ZERO LIABILITY AND SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

• your access to, use of, or inability to use the Services;
• any conduct or content of any third party or other user;
• any reliance placed on any data, verification, report, or output of the Services;
• any unauthorised access to, alteration of, or loss of your data or transmissions; or
• any interruption, suspension, discontinuation, or failure of the Services,

whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not Credora has been advised of the possibility of such damages. Where liability cannot be wholly excluded under applicable law, Credora’s total aggregate liability to you for all claims arising out of or relating to the Services shall not exceed the greater of (a) the total amount actually paid by you to Credora in the three (3) months immediately preceding the event giving rise to the claim, or (b) INR 1,000 (Rupees One Thousand).

10. Indemnification

You agree to defend, indemnify, and hold harmless Credora and its director, officers, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way connected with (a) your use of the Services, (b) your violation of these Terms, (c) your violation of any law or the rights of any third party, or (d) any content or data you submit through the Services.

11. Termination

We may suspend or terminate your access to the Services at any time, with or without cause or notice, without any liability to you. Upon termination, all licences granted to you cease immediately. Sections that by their nature should survive termination (including Sections 6–10, 12, and 13) shall survive.

12. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of India. Subject to the arbitration provision below, the courts at the registered office location of Credora shall have exclusive jurisdiction over any dispute. Any dispute arising out of or relating to these Terms or the Services shall first be attempted to be resolved amicably, and failing that, shall be referred to and finally resolved by arbitration by a sole arbitrator appointed by Credora, under the Arbitration and Conciliation Act, 1996, seated in India and conducted in English.

13. Changes to These Terms

We may revise these Terms at any time by posting the updated version on this page with a new “Last updated” date. Your continued use of the Services after any change constitutes acceptance of the revised Terms.

14. Contact

For any questions regarding these Terms, contact us at support@credora.info.