Terms and Conditions



    http://www.crediwatch.com  is a product of Crediwatch Information Analytics Private Limited “Crediwatch”, a private limited company registered in Karnataka, India.

    These Terms (together with any documents referred to in them) tell you the terms of use on which you may make use of our website https://www.crediwatch.com (the “Site“) or the Creditwatch web application (the “Application” and together with the Site and all the related services provided by Crediwatch, the “Services”), whether as a guest or registered user. Use of the Services includes accessing, browsing, or registering to use the Site or Application. Please read these Terms carefully before you start to use the Services, as these will apply to your use of the Services. We recommend that you print a copy of the Terms for future reference. By accessing the Site or the Application or by using any of the Services, you acknowledge and agree to be bound by these Terms. If you do not agree to these Terms you must not use the Services.

    We reserve the right, at our sole discretion, to modify or replace any of these Terms, or change, suspend, or discontinue the Services (including without limitation, the availability of any feature, database, or content) at any time, by notice given on the Site or by changing the Terms as accessible on the Site. We may also impose limits on certain features and services or restrict your access to parts or all of the Services without notice or liability. You are responsible at all times for complying with the current version of the Terms. We recommend that you periodically check these Terms as posted on this Site for changes. Your continued use of the Services following the posting of any changes to the Terms constitutes acceptance of those changes. We do not guarantee that the Services, or any content accessible through the Services, will be free from errors or omissions.


    These Terms refer to the following additional terms, which also apply to your use of the Services:

    1. Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Services, you consent to such processing and you warrant that all data provided by you is accurate.
    2. Our Cookie Policy, which sets out information about the cookies on our Site.
    3. If you purchase digital offerings or subscription services from Crediwatch, our Conditions of Sale will apply to the sales.

    Crediwatch grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your personal non commercial use if you are an individual and for your internal use if you are a business. Crediwatch reserves the right to terminate your license to use the Services at any time and for any reason.


    We do not guarantee that the Services, or any content accessible through the Services, will always be available or be uninterrupted. Access to the Services is permitted on a temporary basis. We will not be liable to you if for any reason the Services are unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to the Services. You are also responsible for ensuring that all persons who access the Services through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.


    If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at help@crediwatch.com


    You must use the Services for lawful purposes, and you may not use the Services in any way that breaches any applicable local, national or international law or regulation. You agree that your use complies with these Terms and you hereby agree to indemnify us against all liabilities, costs, expenses, damages and losses (including any direct, indirect or consequential losses, loss of profit, loss of business opportunity, loss of reputation and all interest, penalties and legal and other professional costs and expenses) suffered or incurred by us arising out of or in connection with your use of the Services otherwise than in accordance with these Terms or applicable law, regulation or otherwise.


    The content accessed through use of the Services is provided for general information only. It is not intended to amount to advice (of any nature) on which you should rely. You must obtain professional or specialty advice before taking, or refraining from, any action on the basis of content accessed through use of the Services.

    We do not take any responsibility for any content accessed through use of the Services. Any use or reliance on any content obtained by you through use of the Services is at your own risk.

    We make reasonable commercial efforts to ensure content on the site is up to date and accurate. However, because we get the content from a number of different sources (including information provided by you) we do not endorse, support, represent, warrant or guarantee the completeness, truthfulness, accuracy, or reliability of any content accessed using the Services. If you do become aware of any inaccurate or incorrect content accessed or accessible using the Services (in particular pertaining to yourself or other individuals) please let us know at help@crediwatch.com

    You accept responsibility for the selection of and use of the Services to achieve your intended results.


    The Services and all related trademarks and service marks (whether registered or unregistered) are proprietary to Crediwatch or other third parties. We or relevant third parties are the owner or the licensee of all intellectual property rights in the Site and Application, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

    You shall not attempt to copy, modify, duplicate, create derivative works from, frame, mirror, republish, download, display, transmit, or distribute all or any portion of the Services in any form or media or by any means. You will not attempt to reverse compile, disassemble, reverse engineer or otherwise reduce to human-perceivable form all or any part of the Services. You will not access all or any part of the Services in order to build a product or service which competes with the Services nor will you use the Services to provide services to third parties. Use of any automated system or software to extract data from the Site, the Application or the Services (“screen scraping”) is expressly prohibited.

    Our status (and that of any identified contributors) as the authors of content on the Site or Application must always be acknowledged. Further, if you use or refer to the results of the Services in relation to material that is subsequently published, we request that you credit us as the source of the information with an appropriate attribution.

    You must not use any part of the content on the Site or the Application for commercial purposes without obtaining a license to do so from us or our licensors.

    If you print off, copy or download any part of the Site or the Application in breach of these Terms, your right to use the Services will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

    In the event that you are notified by a third party that that party claims rights in the Services or that use of the Services infringes any right of that third party, you agree to immediately notify Crediwatch and, at Crediwatch’s request, to immediately cease using the Services.


    Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by the laws of the Republic of India.

    The Services are provided on an “as is” basis. As such, to the extent permitted by law, no representations, conditions, warranties or other terms of any kind are given in respect of the Services, and all statutory (or implied) warranties and conditions are excluded to the fullest extent possible.

    We will not be liable to any user for any loss or damage (whether direct or indirect), whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

    1. use of, or inability to use, the Services; or
    2. use of or reliance on any content displayed on the Site or the Application.

    If you are a business user (being any user other than a consumer as defined below), please note that in particular, we will not be liable for (without limitation):

    1. loss of profits, sales, business or revenue;
    2. business interruption;
    3. loss of anticipated savings;
    4. loss of goodwill, opportunity or reputation; or
    5. any indirect or consequential loss or damage.

    If you are a consumer user (being a natural person who is acting for purposes outside any trade, business or profession), please note that we only provide the Services for a domestic and private use. You agree not to use our Services for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.

    We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Services or to your downloading of any content on the Site or Application, or on any website linked to the Site or Application.

    We assume no responsibility for the content of websites linked on the Site or Application. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

    Different limitations and exclusions of liability may apply to liability arising as a result of the sale of certain digital products, which will be set out in our Conditions of Sale.


    Whenever you make use of a feature that allows you to upload content to the Site or Application, to contribute or to make contact with other users of the Services, you must comply with these Terms and with all applicable laws and generally accepted content standards.

    You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty (this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty).

    We also have the right to disclose your identity to any third party who is claiming that any content posted, contributed or uploaded by you to the Site or Application constitutes a violation of their intellectual property rights, or of their right to privacy.

    We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of the Services.

    We have the right to remove any posting you make on the Site or Application if, in our opinion, your post does not comply with the content standards set out above.

    The views expressed by other users of the Services do not represent our views or values.


    We do not guarantee that the Services will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform in order to access the Services. You should use your own virus protection software.

    You must not misuse the Services by knowingly introducing viruses, trojans, worms, logic bombs or other material, which is malicious or technologically harmful. You must not attempt to gain unauthorized access to the Site or Application, the server on which the Site or Application is stored or any server, computer or database connected to the Services. You must not attack the Site or Application via a denial-of-service attack or a distributed denial-of service attack. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Services will cease immediately.


    You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. The website in which you are linking must comply in all respects with applicable laws and generally accepted content standards.

    You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

    You must not establish a link to the Site in any website that is not owned by you.

    The Site must not be framed on any other site, nor may you create a link to any part of the Site other than the home page.

    We reserve the right to withdraw linking permission without notice.

    If you wish to make any use of content on the Site other than that set out above, please contact help@crediwatch.com.


    Where the Site or Application contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources.


    This license and/or your right to access the Site may be terminated immediately by Crediwatch at any time. Upon termination you must cease to use the Services and shall completely delete all electronic copies of all or any part of the Services resident in your systems or elsewhere.


    If you are a consumer, please note that these Terms, their subject matter and their formation, are governed by the laws of the Republic of India. You and we both agree to that the courts of Bangalore will have non-exclusive jurisdiction.

    If you are a business user, these Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by the laws of the Republic of India. The courts of Bangalore will have exclusive jurisdiction over any claim arising from, or related to, the use of our Services, these Terms, their subject matter and their formation (and any non-contractual disputes or claims) although Crediwatch retains the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.


    If you have any concerns about material which appears on the Site or Application, please contact us at  help@crediwatch.com.