Terms & Conditions

1. Acceptance of Terms

By accessing the website, communicating with CIBIL FIXER, submitting documents, making payments or availing any service, the customer agrees to be bound by these Terms & Conditions.

2. Nature of Services

CIBIL FIXER provides:

• Credit Report Analysis
• Credit Profile Review
• Credit Improvement Guidance
• Dispute Assistance
• Documentation Support
• Credit Education
• Advisory Services

CIBIL FIXER is an independent consulting and documentation assistance firm and is not a bank, NBFC, credit bureau, legal representative or government authority.

3. Eligibility

Services are available only to individuals legally capable of entering into binding contracts.

4. Customer Responsibilities

Customers shall:

• Provide accurate information and documents
• Cooperate during the service process
• Respond to requests for information promptly
• Comply with applicable laws
• Refrain from submitting false or misleading information

5. Documents & Information

The customer is solely responsible for the authenticity, completeness and accuracy of all information and documents provided.

6. Work Commencement

Work shall be deemed to have commenced upon the occurrence of any one or more of the following:

• Receipt of customer documents
• Review of credit reports
• Credit analysis initiation
• Customer consultation
• Preparation of dispute drafts
• Preparation of reports
• Case assessment
• Communication regarding findings
• Internal file creation
• Allocation of case to staff, consultant or analyst

7. Report Check Fee

Any Report Check Fee charged by CIBIL FIXER shall be non-refundable once report review, analysis or assessment has commenced.

8. Service Fees

Service fees, charges and applicable taxes shall be communicated separately through quotations, proposals, invoices, website pricing, payment links or other official communications.

CIBIL FIXER reserves the right to revise pricing at any time.

9. Credit Improvement Services

CIBIL FIXER may assist customers through:

• Credit Profile Assessment
• Credit Education
• Credit Utilization Guidance
• Documentation Assistance
• Dispute Assistance
• Credit Improvement Guidance

10. No Guarantee of Results

CIBIL FIXER does not guarantee:

• Credit Score Increase
• Specific Score Achievement
• Loan Approval
• Credit Card Approval
• Bureau Acceptance of Disputes
• Account Deletion
• Removal of Accurate Information
• Approval by Any Bank or NBFC

11. No Removal of Accurate Information

CIBIL FIXER does not claim or undertake to remove information that is accurate, lawful and properly reported.

Assistance is limited to addressing information that may be incorrect, incomplete, duplicated, outdated or disputed.

12. Third-Party Decisions

Final decisions regarding:

• Credit Scores
• Credit Reports
• Bureau Updates
• Loan Approvals
• Credit Card Approvals
• Account Status Updates

remain solely with the relevant Credit Bureau, Bank, NBFC, Financial Institution or Regulatory Authority.

13. Customer Cooperation

Failure to provide required documents, clarifications or responses may delay, suspend or adversely affect service delivery.

14. Fraudulent Information

If false, forged, manipulated or misleading information is provided, CIBIL FIXER may suspend or terminate services without refund.

15. Communication Consent

The customer consents to communication through:

• WhatsApp
• Email
• SMS
• Phone Calls
• Video Meetings
• Other Electronic Means

16. Electronic Records

Emails, WhatsApp messages, uploaded documents, digital communications, payment confirmations and electronic records may be maintained as business records and may be relied upon as evidence where permitted by law.

17. Intellectual Property

All reports, templates, methodologies, website content, branding materials and documentation created by CIBIL FIXER remain its exclusive intellectual property.

18. Testimonials & Success Stories

Customer reviews, testimonials, feedback, success stories and case studies may be used for lawful business, educational, awareness and marketing purposes.

Sensitive information shall be masked, anonymized or redacted wherever reasonably practicable.

19. Privacy

Collection, use and processing of personal information shall be governed by the CIBIL FIXER Privacy Policy.

20. Refund & Cancellation

Refunds, cancellations and refund eligibility shall be governed exclusively by the applicable Refund & Cancellation Policy of CIBIL FIXER.

The customer expressly acknowledges and agrees that no refund shall be available once work has commenced as defined under these Terms & Conditions, unless otherwise required by applicable law or expressly approved by CIBIL FIXER in writing.

Any exception, concession or discretionary refund shall not create any precedent or future obligation.

21. Limitation of Liability

To the maximum extent permitted by law, CIBIL FIXER shall not be liable for:

• Loan Rejections
• Credit Card Rejections
• Business Losses
• Financial Losses
• Loss of Opportunity
• Indirect Damages
• Consequential Damages
• Credit Bureau Decisions
• Third-Party Actions

Where liability cannot legally be excluded, liability shall be limited to the amount actually paid by the customer for the relevant service.

22. Indemnity

The customer agrees to indemnify and hold harmless CIBIL FIXER from claims, losses, liabilities, damages, costs and expenses arising from:

• False information provided by the customer
• Fraudulent documents
• Misuse of services
• Breach of these Terms
• Violation of applicable laws

23. Force Majeure

CIBIL FIXER shall not be liable for delays or failures caused by events beyond its reasonable control, including:

• Natural Disasters
• Cyber Attacks
• Server Failures
• Internet Disruptions
• Government Restrictions
• Power Failures
• Pandemics
• Civil Disturbances

24. Non-Affiliation Disclosure

CIBIL FIXER is an independent credit consulting and documentation assistance firm.

CIBIL FIXER is not owned, operated, authorized, endorsed by, affiliated with or acting on behalf of TransUnion CIBIL, Experian, Equifax, CRIF High Mark, RBI, any Bank, NBFC, Government Authority or Credit Information Company unless expressly stated in writing.

25. No Professional Legal or Financial Advice

Services provided by CIBIL FIXER are educational, consulting and documentation assistance services only.

Nothing provided by CIBIL FIXER shall be construed as legal, tax, accounting, investment or regulated financial advice.

26. Customer Action & Implementation Responsibility

Recommendations, guidance, action plans, dispute drafts and documentation support provided by CIBIL FIXER are intended to assist customers.

Implementation of such recommendations and all financial decisions remain the sole responsibility of the customer.

27. Processing Timelines Disclaimer

Any estimated timelines, expected completion dates or projected resolution periods are indicative only and may vary depending on credit bureaus, banks, NBFCs, customer response times and other external factors.

28. Monitoring & Follow-Up Limitation

Unless expressly agreed in writing, CIBIL FIXER shall not be obligated to provide ongoing monitoring, lifetime support, periodic follow-up services or continuous account supervision after completion of services.

29. Assignment & Transfer

CIBIL FIXER may engage employees, consultants, analysts, franchise partners, contractors and authorized service providers for service delivery.

Customers may not assign or transfer their rights or obligations without prior written consent.

30. Right to Refuse or Terminate Services

CIBIL FIXER reserves the right to refuse, suspend or terminate services where:

• Fraud is suspected
• Documents are not provided
• Customer cooperation is absent
• Applicable laws may be violated

31. Amendments

CIBIL FIXER reserves the right to modify, amend or update these Terms & Conditions at any time.

Updated versions shall become effective upon publication.

32. Survival of Key Provisions

The following provisions shall survive termination, cancellation or completion of services:

• Payment Obligations
• Refund Restrictions
• Intellectual Property Rights
• Privacy Obligations
• Testimonials & Marketing Consent
• Limitation of Liability
• Indemnity
• Governing Law
• Jurisdiction

33. Governing Law

These Terms & Conditions shall be governed by the laws of India.

34. Jurisdiction

Any dispute arising out of or relating to these Terms & Conditions shall be subject to the exclusive jurisdiction of the competent courts located in Nagaur, Rajasthan.

35. Severability

If any provision of these Terms & Conditions is held invalid or unenforceable, the remaining provisions shall remain valid and enforceable.

36. Entire Agreement

These Terms & Conditions, together with the Privacy Policy, Refund & Cancellation Policy and Disclaimer Policy, constitute the complete agreement between the customer and CIBIL FIXER.