Disclaimer

1. General Disclaimer

CREDIT BUILDER is an independent credit consulting and advisory service operated by Profile India (OPC) Private Limited. We provide professional services including:

• Credit Report Analysis
• Credit Report Dispute Assistance
• Credit Score Improvement Guidance
• Credit Builder Programs
• Credit Education
• Financial Documentation Assistance

We are not:

• A Credit Information Company (Credit Bureau)
• A bank
• A Non-Banking Financial Company (NBFC)
• A lender
• A government authority
• A legal authority

Our services are advisory and assistance-based only.

2. No Guarantee of Results

Although our professionals make reasonable efforts to provide quality services, CREDIT BUILDER does not guarantee:

• Any increase in your credit score;
• Removal of accurate or verified negative information;
• Acceptance of disputes by any credit bureau;
• Approval of loans or credit cards;
• Faster processing by banks or credit bureaus;
• Any specific financial outcome.

Final decisions remain solely with the relevant Credit Information Company (CIC), bank, NBFC, lender, or other competent authority.

3. Credit Bureau Disclaimer

Our credit dispute services are intended to help customers identify and dispute information they believe to be inaccurate, incomplete, duplicate, outdated, or unverifiable, in accordance with applicable laws and the procedures established by the relevant Credit Information Companies.

We do not:

• Delete accurate information;
• Alter credit reports;
• Modify credit scores;
• Influence or control the decisions of any Credit Information Company or lender.

All updates are made exclusively by the respective Credit Information Company after its independent verification process.

4. Independent Business Disclaimer

We are not affiliated with, endorsed by, sponsored by, authorized by, or associated with:

• TransUnion CIBIL Limited
• Experian
• Equifax
• CRIF High Mark
• Reserve Bank of India (RBI)
• Any bank
• Any NBFC
• Any government department

Any reference to these organizations is solely for descriptive and informational purposes.

5. Third-Party Services

Our website may contain links or integrations with third-party websites, payment gateways, credit bureaus, banks, government portals, or service providers. We do not control or guarantee:

• Their availability;
• Their content;
• Their privacy practices;
• Their processing timelines;
• Their decisions.

Users interact with such third-party services at their own discretion and subject to the respective third party's terms and policies.

6. Client Responsibility

The customer is solely responsible for ensuring that all information and documents submitted are:

• Accurate;
• Complete;
• Genuine;
• Up to date.

We are not responsible for delays, rejections, or adverse decisions resulting from incorrect, incomplete, or misleading information provided by the customer.

7. Payment & Refund Disclaimer

Fees charged by CREDIT BUILDER are for professional services, including consultation, document preparation, administrative processing, dispute assistance, and customer support. Refund eligibility is governed exclusively by our Refund & Cancellation Policy. Payment of service fees does not constitute payment for a guaranteed outcome, credit score increase, loan approval, or successful dispute resolution.

8. Educational Information

All information published on our website, blogs, emails, social media channels, WhatsApp messages, videos, or marketing materials is intended solely for general educational and informational purposes. Nothing contained on our platform should be interpreted as legal, tax, investment, or financial advice tailored to your individual circumstances. You should seek advice from a qualified professional before making significant financial or legal decisions.

9. Limitation of Liability

To the fullest extent permitted under applicable law, Profile India (OPC) Private Limited, its directors, employees, consultants, affiliates, and representatives shall not be liable for any:

• Direct loss;
• Indirect loss;
• Consequential damages;
• Business interruption;
• Loss of income;
• Loss of opportunity;
• Credit score changes;
• Loan rejection;
• Credit card rejection;
• Third-party decisions;
• Technical interruptions.

Our total liability, if any, shall not exceed the amount paid by the customer for the specific service giving rise to the claim.

10. Governing Law

This Disclaimer shall be governed by the laws of India. Any disputes relating to this Disclaimer shall be subject to the exclusive jurisdiction of the competent courts located in Haldwani, Nainital, Uttarakhand, India.