Terms of Service

1. Introduction

Welcome to FixMyScore.ai, a service offered by Analog Legalhub Technology Solutions Private Limited (“Company”, “we”, “us”, or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the website https://www.fixmyscore.ai, and the services provided therein. By accessing, registering with, or using our Services, you agree to comply with and be legally bound by these Terms.

2. Definitions

Credit Information means credit data including credit scores, credit history, credit reports and related information obtained from credit bureaus like CRIF High Mark, Experian, etc.
Services means all offerings on FixMyScore.ai including credit report access, score monitoring, AI-powered credit analysis, recommendations, UPI payments, bill tracking, and related financial tools.

3. Consent for Accessing Credit Information

By registering or using our Services, you voluntarily authorise FixMyScore.ai to:

• Act as your authorised representative for accessing your Credit Information from credit bureaus such as CRIF and Experian.
• Use such information monthly to provide credit improvement services and relevant financial product suggestions.

You agree that:

• Credit bureaus are not responsible for any consequences arising from the sharing of your Credit Information with us.
• You may revoke this consent at any time by contacting us via our website, registered office, or designated communication channels.

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4. User Representations and Warranties

You represent and warrant that:

• All information you provide to us is true, accurate, and complete.
• You will use the Services lawfully and not for any fraudulent, unlawful, or unauthorised purpose.
• You will safeguard your account credentials and notify us immediately of any unauthorised use.

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5. Subscription Services and Payment Authorisation

Some features on FixMyScore.ai are offered on a subscription basis.

• You authorise us to auto-debit subscription fees from your registered payment method as per your selected plan until you cancel.
• You can cancel anytime through your account settings or support request.
• Non-payment may lead to suspension or termination of Services.
• We are not responsible for any charges levied by your bank/payment processor.
• Subscription fees are generally non-refundable unless otherwise stated.

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6. Use of Services

We partner with regulated financial institutions to deliver our services. You agree to:

• Allow us to communicate promotional offers via SMS, WhatsApp, email, or phone.
• Authorise us to access your KYC data (e.g., from CKYC Registry) or GST return information to enable financial services, where applicable.
• Ensure that you use our services lawfully and for personal use only.

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7. UPI Services

FixMyScore.ai may offer UPI-based payment features in partnership with NPCI-authorised banks (e.g., AXIS Bank) under the Third-Party Application Provider (TPAP) model. You acknowledge:

• FixMyScore.ai is a TPAP authorised by NPCI and facilitates UPI payments via PSP Banks.
• Complaints and grievances related to UPI will first be handled by us, followed by escalation to the PSP Bank, your linked bank, NPCI, and if needed, the RBI Ombudsman.

Your Responsibilities:

• Use UPI responsibly and safeguard your UPI credentials.
• Raise grievances via our app, email, or other designated support channels.

NPCI, PSP Bank & TPAP Obligations:

• NPCI sets the UPI operational rules.
• PSP Bank ensures data security, audit compliance, and dispute resolution.
• FixMyScore.ai ensures secure infrastructure, data localisation, and consumer grievance handling.

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8. Credit Score Improvement Suggestions

While we provide access to your credit score and related credit information, FixMyScore.ai endeavours to offer you suggestions and recommendations aimed at improving your credit score within 90 days of using our Services. However, these suggestions are provided without any guarantee or commitment of specific results or timelines. Your credit improvement depends on various factors beyond our control, including your financial behaviour and credit bureau policies.

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9. Data Privacy and Confidentiality

FixMyScore.ai shall:

• Access and use your Credit Information only for the stated purpose.
• Keep your data secure, encrypted, and confidential using industry-standard security measures.
• Delete or anonymise your personal and credit data when the purpose is fulfilled or consent is withdrawn.
• Comply with applicable data protection laws, including India’s Digital Personal Data Protection Act, 2023 (DPDPA).

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Your Rights:

• You have the right to access, correct, or request deletion of your personal data by contacting us.
• We retain your data only as long as necessary to provide the Services or as required by law.

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10. Third-Party Services and Links

Our Services may include links to third-party websites or financial products. We do not control, endorse, or assume responsibility for the content, accuracy, or terms of these third parties. Your use of such third-party services is at your own risk.

11. Limitation of Liability

To the maximum extent allowed by law:

• We do not guarantee a specific credit score or financial outcome.
• We are not liable for any financial losses, claims, or damages resulting from:
  • Use or misuse of the Services
  • Data access from credit bureaus
  • Inaccuracies in third-party reports or UPI failures
• We are not liable for any indirect, incidental, consequential, or punitive damages.

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12. Force Majeure

We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to natural disasters, government actions, technical failures, or pandemics.

13. Children’s Privacy

Our Services are not intended for individuals under the age of 18. By using the Services, you represent that you are at least 18 years old.

14. Consent to Electronic Communications

By using our Services, you consent to receive electronic communications from us, including emails, SMS, and WhatsApp messages related to your account and promotional offers.

15. Intellectual Property

All logos, software, algorithms, content, videos, and documents on FixMyScore.ai are the intellectual property of the Company or its licensors. Unauthorised use, reproduction, or modification is prohibited.

16. Termination

We may suspend or terminate your access to the Services if:

• You breach any provision of these Terms
• Required by law or regulation
• Your subscription lapses

You may also stop using our Services at any time by deleting your account or contacting support.

17. Dispute Resolution

Before initiating any legal proceedings, you agree to first attempt to resolve disputes through good faith negotiations or mediation. If unresolved, disputes shall be subject to the exclusive jurisdiction of courts in New Delhi, India.

18. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. All disputes arising under these Terms shall be subject to the exclusive jurisdiction of courts in New Delhi, India.

19. Amendments

We reserve the right to modify these Terms at any time. Updates will be posted on our website with a revised “Effective Date.” Continued use of Services constitutes acceptance of the updated Terms.

20. Contact Us

If you have questions or complaints, reach out to us at:
Email: support@fixmyscore.ai
Address: LG Floor, Smartworks, World Trade Tower, Sector - 16, Noida 201301
Phone: +91 8178509881

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