Terms and Conditions

Welcome to CreditIQ (operating as CreditIQ Technologies Private Limited). These Terms and Conditions govern your access to and use of the CreditIQ platform, website, APIs, and commercial credit intelligence services. By creating an account, browsing our website, submitting counterparty trade records, or accessing credit reports, you agree to be legally bound by these Terms and our Privacy Policy. If you are acting on behalf of a partnership, LLP, private limited company, or enterprise, you represent and warrant that you hold the legal authority to bind that entity to these provisions.

Our services are strictly meant for legitimate business enterprises, registered MSMEs, proprietorships, partnerships, corporate entities, and verified financial institutions operating in India. - Users must provide verifiable business details including GSTIN, PAN, Udyam Registration (if applicable), and an official corporate email domain. - Account sharing across unauthorized third-party commercial brokers or unauthorized entities is strictly prohibited. - You are solely responsible for maintaining the confidentiality of your login credentials and multi-factor authentication devices.

Users of CreditIQ agree to act in good faith and maintain the highest ethical standards when submitting payment records or reporting commercial defaults: - Truthful Submissions: Any report of an overdue invoice or default must be supported by bona fide commercial documentation (e.g., acknowledged purchase orders, signed delivery challans/e-Way bills, tax invoices, and formal demand letters). - Prohibition on Malicious Filings: Fabricating default claims, exaggerating claim values, or utilizing the platform for extortion, unfair trade coercion, or non-commercial disputes is strictly illegal and will result in immediate account termination, civil damages, and reporting to relevant law enforcement agencies. - Timely Updates: If an overdue counterparty settles an outstanding invoice reported by you, you must update the settlement status on CreditIQ within 48 hours of realization.

Access to premium credit reports, automated portfolio watchdog alerts, and default recovery facilitation is billed in accordance with the pricing tiers selected at checkout. - All subscription fees and pay-as-you-go credit report fees are non-refundable once credit data is retrieved or API queries are executed. - Fees are subject to applicable Goods and Services Tax (GST 18%) as per the laws of India. - Invoices are generated electronically and sent to your registered billing email address.

Credit reports, risk scores, and peer default records made available through CreditIQ are proprietary and provided strictly for your internal risk management, credit assessment, and vendor underwriting purposes. - You may not sell, syndicate, reverse-engineer, bulk scrape, or publicly publish credit scores or proprietary algorithms obtained from CreditIQ. - CreditIQ retains all rights, title, and interest in its proprietary scoring models, software interfaces, brand identity, and aggregated commercial datasets.

CreditIQ aggregates data from statutory public authorities (GSTN, MCA21, e-Courts), banking disclosures, and peer trade reports. While we maintain rigorous data validation protocols: - CreditIQ reports represent commercial opinions and statistical assessments, not legal advice or guarantees of solvency. - Credit decisions, credit extensions, and contracts entered into based on CreditIQ intelligence are undertaken at your sole commercial discretion. - To the maximum extent permitted by Indian law, CreditIQ Technologies Private Limited shall not be liable for any indirect, consequential, punitive, or lost profit damages arising from platform usage.

CreditIQ reserves the right to suspend or terminate your account immediately if: - You breach these Terms, submit unverifiable default claims, or violate statutory trade laws. - Court orders, law enforcement directives, or regulatory agencies require immediate suspension. - You engage in abusive, harassing, or fraudulent behavior towards counterparties or CreditIQ personnel. Upon termination, access to your dashboard and historical report repository will cease immediately.

These Terms are governed by and construed in accordance with the laws of India. Any legal dispute or controversy arising out of these Terms shall be subject to the exclusive jurisdiction of the competent courts in Gurugram / New Delhi, India. For formal legal inquiries, dispute notifications, or grievance redressal, contact: Legal Officer: CreditIQ Technologies Private Limited Email: legal@creditiq.in | grievance@creditiq.in Address: Tower B, 7th Floor, Cyber City Tech Park, Gurugram, Haryana - 122002, India.