GRIEVANCE REDRESSAL MECHANISM

This Grievance Redressal Mechanism applies to:

Any client, partner, or visitor who has a genuine concern regarding our services, billing, data handling, or conduct may file a grievance. The following requirements are mandatory:

• You must provide your full legal name and valid contact information.
• A clear, detailed description of the issue is required for the grievance to be processed.
• Your identity must be verifiable — anonymous complaints will not be entertained.
• The incident must have occurred within the preceding 90 days of filing.

In compliance with the IT Act, 2000 and Consumer Protection Act, 2019, we have designated the following Grievance Officer:

You can submit your grievance through any of the following channels. The online form is recommended for fastest processing:

• Online Form — Use the form above on this page. Fastest processing and automatic acknowledgment.
• Email — Send a detailed email to grievance@cibilrepair.in with subject line "GRIEVANCE - [YOUR NAME]".
• Registered Post — Send a written complaint to our registered address in Delhi NCR, India.

We reserve the right to reject a grievance without further processing under the following circumstances:

• Anonymous or pseudonymous complaints without verifiable identity.
• Frivolous, vexatious, or malicious complaints intended to harass.
• Complaints already resolved in previous correspondence.
• Complaints outside the scope of our services.
• Complaints containing discriminatory, abusive, or offensive language.
• Complaints filed more than 90 days after the alleged incident.
• Incomplete information that prevents meaningful investigation.

If you are not satisfied with the decision of our Grievance Officer, you may escalate to the following external authorities:

• Consumer Disputes Redressal Forum (District Consumer Court) — under the Consumer Protection Act, 2019.
• RBI Ombudsman — for banking or credit-related issues only.
• Cyber Crime Cell — for issues related to cyber fraud or data breach.

All complaints and personal information shared during the grievance process will be kept strictly confidential. Your data will be:

• Used exclusively for the purpose of investigating and resolving your grievance.
• Processed in accordance with our Privacy Policy and the Digital Personal Data Protection Act, 2023.
• Never shared with third parties except as required by law or to facilitate resolution.
• Retained only for as long as required by applicable legal and regulatory requirements.

To the maximum extent permitted by law, CIBIL Repair's total liability arising from any grievance shall not exceed the total fees paid by you to us in the preceding 6 months. We shall not be liable for:

• Any indirect, incidental, or consequential damages.
• Delays in resolution caused by factors beyond our reasonable control.
• Third-party actions, errors, or decisions by credit bureaus or lenders.

• Immediate rejection of the grievance without further processing.
• Suspension or termination of your service agreement.
• Legal action for defamation or harassment under Indian law.
• Reporting to relevant authorities including law enforcement.
• Claim for damages, legal costs, and associated expenses.

We maintain an internal register of all complaints received. Summary data — number of complaints received and resolved — is available upon written request. Individual complaint details remain strictly confidential and are not disclosed publicly.

We reserve the right to modify, update, or change this Grievance Redressal Policy at any time without individual notice. The "Last Updated" date at the top of this page indicates when changes were made. Your continued use of our services after changes constitutes your acceptance of the revised policy.

• Governing Law — This policy shall be governed by the laws of India.
• Exclusive Jurisdiction — Any disputes shall be subject to the exclusive jurisdiction of the courts in Delhi NCR, India.
• Waiver of Forum — You expressly waive any objection to the venue of Delhi NCR courts.

For general support or non-grievance issues, please use our main support channels. The Grievance Officer should only be approached after regular customer support has been unable to resolve the issue.