Terms of Service
1. Agreement to terms
By using this website or engaging ScoreBlessing's services, you agree to these Terms of Service. If you do not agree, please do not use our website or services.
2. Description of services
ScoreBlessing provides credit report review, dispute preparation, and dispute follow-up, and correction services for reports issued by CIBIL, Experian, Equifax, and CRIF Highmark. The specific scope of work for your case is defined by the package you choose, as described on our Packages page.
3. Eligibility
Our services are available to individuals aged 18 and above who can provide valid identity verification and hold a credit report with at least one of the bureaus listed above.
4. Fees and payment
Package fees are as listed on our Packages page at the time of purchase, or as quoted directly by your case manager for a custom scope of work. Fees are due [before work begins / in instalments as agreed], and [insert your accepted payment methods].
5. Refunds and cancellations
[Placeholder — insert your actual refund policy here: under what conditions a client can request a refund, any non-refundable portion for work already completed, and the process for requesting one.]
6. Client responsibilities
You agree to provide accurate information and genuine documents, respond to requests from your case manager in a reasonable time, and inform us promptly of any changes relevant to your case (for example, a lender contacting you directly).
7. What we do not guarantee
As set out in our Disclaimer, we cannot guarantee a specific dispute outcome, score change, or timeline, since final decisions rest with the relevant bureau or lender.
8. Confidentiality
We treat your case information as confidential, in line with our Privacy Policy, and only share it where necessary to progress your dispute.
9. Termination
Either party may end the engagement with written notice. [Insert what happens to fees already paid, and any handover of documents, upon termination.]
10. Governing law
These terms are governed by the laws of India, and any disputes will be subject to the jurisdiction of the courts in Kolkata, West Bengal.
11. Changes to these terms
We may revise these terms from time to time. Continued use of our services after a change constitutes acceptance of the updated terms.
12. Contact
Questions about these terms can be sent to [legal@scoreblessing.example].