Disclaimer

The information provided on the website of CIBIL Repair ("Company", "we", "us", "our") is for general informational and educational purposes only. By using this website and our services, you acknowledge and agree to the disclaimers, limitations, and waivers set forth below.

1. No Legal or Financial Advice

CIBIL Repair is NOT a law firm, credit reporting agency, or financial advisory firm. We do not provide legal advice, financial advice, or tax advice. The information on this website and provided through our services is for general informational purposes only and should not be construed as professional advice.

• You should consult with a qualified attorney for legal advice regarding your specific situation.
• You should consult with a qualified financial advisor for financial advice regarding your specific situation.
• Any reliance you place on the information provided by us is strictly at your own risk.
• We do not have any fiduciary duty or special relationship with you beyond the contractual terms agreed in writing.

2. No Guarantee of Results - Express Disclaimer

WE DO NOT GUARANTEE ANY SPECIFIC RESULTS FROM OUR SERVICES. Credit repair outcomes vary significantly based on numerous factors including but not limited to:

• The accuracy of the information in your credit report
• The responsiveness and policies of credit bureaus (CIBIL, Experian, Equifax, CRIF)
• The responsiveness and policies of banks, lenders, and creditors
• Your unique credit history and financial circumstances
• Applicable laws, regulations, and industry standards
• Third-party actions beyond our reasonable control

We do not guarantee: any specific credit score increase, removal of any specific negative item, approval for any loan or credit product, or any particular improvement in your credit profile. Past performance is not indicative of future results. Testimonials and case studies on our website do not constitute a guarantee, warranty, or prediction regarding your specific outcome.

3. CIBIL and Third-Party Trademarks

CIBIL is a registered trademark of TransUnion CIBIL Limited. Experian, Equifax, and CRIF High Mark are registered trademarks of their respective owners. We are not affiliated with, endorsed by, or sponsored by TransUnion, CIBIL, Experian, Equifax, CRIF High Mark, or any other credit bureau or financial institution. Our services are independently provided as a credit repair consultancy. Any reference to third-party trademarks is for identification purposes only and does not imply any association, endorsement, or approval.

4. No Endorsement of Third Parties

Our website may contain links to third-party websites, including credit bureaus, banks, financial institutions, and other service providers. These links are provided for your convenience only. We do not control, endorse, or assume any responsibility for the content, privacy practices, terms, or actions of any third-party website. If you access any third-party website through our site, you do so at your own risk. We recommend that you review the terms and privacy policies of any third-party website you visit.

5. Limitation of Liability - Maximum Protection

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services.
• This includes, without limitation, damages for loss of profits, loss of credit approvals, loan denials, interest rate increases, loss of business opportunities, damage to reputation, or any other economic or non-economic loss.
• We shall not be responsible for any actions, delays, failures, or errors by credit bureaus, banks, lenders, or any third party.
• Our total aggregate liability for any claim arising out of or relating to our services shall not exceed the total fees actually paid by you to us in the preceding 6 months.
• You assume all risks associated with credit repair and acknowledge that credit scores may fluctuate up or down during our engagement.

6. Accuracy and Completeness of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of any information on our website or provided through our services. Any reliance you place on such information is strictly at your own risk. We reserve the right to modify, update, or remove any information on our website at any time without prior notice.

7. User Assumption of Risk

By using our website and services, you expressly assume all risks associated with credit repair, including but not limited to:

• The risk that credit bureaus may not remove disputed items
• The risk that your credit score may decrease during the dispute process
• The risk that lenders may deny credit regardless of your credit score
• The risk that credit repair may take longer than anticipated
• The risk that accurate negative information may remain on your credit report

8. Indemnification

You agree to indemnify, defend, and hold harmless CIBIL Repair, its owners, officers, employees, agents, affiliates, and successors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of our website or services
• Your breach of these disclaimers or our Terms & Conditions
• Any false, inaccurate, or misleading information provided by you
• Your violation of any applicable law or third-party rights

9. No Waiver of Rights

Our failure to exercise or enforce any right or provision of this Disclaimer shall not constitute a waiver of such right or provision. Any waiver of any provision of this Disclaimer must be in writing and signed by an authorized representative of CIBIL Repair.

10. Severability

If any provision of this Disclaimer is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

11. Governing Law & Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to this Disclaimer or your use of our website or services shall be subject to the exclusive jurisdiction of the courts in Delhi NCR, India. You expressly waive any objection to venue or convenience of forum.

12. Entire Agreement

This Disclaimer, together with our Terms & Conditions, Privacy Policy, and Refund & Cancellation Policy, constitutes the entire agreement between you and CIBIL Repair regarding your use of our website and services and supersedes all prior agreements, understandings, or representations, whether written or oral.

13. Changes to This Disclaimer

We reserve the right to modify, update, or change this Disclaimer at any time without individual notice. The "Last Updated" date indicates when changes were made. Your continued use of our website or services after any changes constitutes your unconditional acceptance of the revised Disclaimer. It is your responsibility to review this Disclaimer periodically.

14. Grievance Officer

In compliance with the Information Technology Act 2000 and Consumer Protection Act, our Grievance Officer is:

• Name: Grievance Officer
• Email: grievance@cibilrepair.in
• Response Time: Within 30 days

15. Contact Information

If you have any questions about this Disclaimer, please contact us:

• Email: contact@cibilrepair.in
• Phone: +91 87094 55441
• Address: Delhi NCR, India