Terms of Use

These terms govern use of the CredAssist platform at credassist.co.in. By registering or using the platform, your organisation agrees to them. Where a signed subscription agreement exists between us, that agreement prevails over these terms.

1. What CredAssist is, and is not

CredAssist is internal analytics and decision-support software for the staff of RBI-regulated NBFCs and professional firms. CredAssist is not an NBFC, not a bank, not a credit information company or credit bureau, and not a Lending Service Provider. It does not source borrowers, interact with borrowers, disburse or collect money, or make lending decisions. All outputs — reconciliation results, statement analyses, portfolio views, and risk indicators — are decision-support material for qualified personnel and must be independently verified by your credit, operations and compliance teams before any business action is taken.

2. Your responsibilities

• Only upload data your organisation is lawfully entitled to process, with all consents and notices your own regulatory obligations require.
• Keep credentials confidential and limit access to authorised staff; you are responsible for activity under your accounts.
• Use the platform only for lawful, internal business purposes; do not attempt to probe, disrupt, or reverse-engineer the service or access another tenant's data.
• Remain responsible for all regulatory obligations that apply to your organisation, including outsourcing, credit, KYC and data-protection obligations. Using CredAssist does not transfer any regulatory responsibility to us.

3. Service, trials and payment

New workspaces may start with a free trial and require approval before activation. Paid plans are billed as agreed in your subscription. We may suspend access for non-payment, security risk, or breach of these terms. Prices exclude GST, which is charged additionally at the applicable rate.

4. Intellectual property

The platform, including its matching engine, analyses, interface and documentation, is and remains the property of CredAssist. Your data remains yours; we claim no ownership over uploaded files or the outputs generated from them for your use.

5. Accuracy, warranties and liability

Financial source files are messy, and automated matching and analysis can produce errors or omissions. The service is provided on an "as is" and "as available" basis without warranties of uninterrupted availability or error-free output. To the maximum extent permitted by law, our aggregate liability arising out of the service is limited to the fees paid by your organisation in the three (3) months preceding the claim, and we are not liable for indirect or consequential losses, including lending losses arising from decisions taken on the basis of platform outputs.

6. Termination and data return

Either party may terminate as set out in the subscription agreement. On termination we will, on written instruction, delete or return client-uploaded data within a reasonable period, subject to legal retention requirements.

7. Governing law

These terms are governed by the laws of India. Courts at New Delhi, India shall have exclusive jurisdiction, subject to any dispute-resolution clause in a signed agreement.

Questions: team@credassist.co.in