Fair practices policy

1. Introduction

Bestscore, operated by KGIL Fintech Solutions Private Limited (“Company”, “We”, “Us”, or “Our”), is committed to providing its users with fair, transparent, responsible, and user-friendly services.

Bestscore provides users with access to their personalized credit report, credit score, and related credit information to help them understand their credit profile.

Bestscore does not provide, sanction, approve, arrange, facilitate, or disburse loans or any other credit facilities. Bestscore does not provide any credit improvement plan or guarantee any improvement in a user's credit score.

2. Fair and transparent practices

We are committed to:

• Providing clear and accurate information about our services.
• Treating all users fairly and respectfully.
• Avoiding misleading or false representations regarding credit scores or credit information.
• Clearly disclosing any applicable fees or charges before payment, where applicable.
• Ensuring that users are not guaranteed any specific credit score, credit score improvement, loan approval, or eligibility for any financial product.

3. Privacy and data protection

We respect the privacy of our users and take reasonable technical and organisational measures to protect their Personal Data and Credit Information.

Any Credit Information shall be accessed and used only with the required consent and for authorised purposes, in accordance with applicable laws, regulatory requirements, and our Privacy Policy.

We are committed to maintaining the confidentiality and security of the information provided by our users and accessed through authorised mechanisms.

4. Responsible provision of credit information

The personalized credit report and related credit information provided through bestscore are intended to help users access and understand their credit profile.

Credit scores and credit-related information may change based on information reported to and reflected by the relevant credit information systems.

bestscore does not guarantee the accuracy of information originating from third-party credit information providers beyond the information made available through the applicable authorised mechanism.

bestscore does not provide credit repair or credit improvement plans and does not guarantee any improvement in a user's credit score or creditworthiness.

5. No lending services

For the avoidance of doubt, bestscore:

• Does not provide or disburse loans;
• Does not sanction or approve any loan or credit facility;
• Does not arrange or facilitate lending services through the Platform under this service offering; and
• Does not guarantee a user's eligibility or approval for any loan or credit facility.

6. Grievance redressal

Users may raise concerns or complaints regarding our services through the contact channels provided in our Grievance Redressal Policy.

We will endeavour to address grievances fairly and within the timelines specified under our applicable grievance redressal process and applicable law.

7. Policy updates

We may update this Fair Practices Policy from time to time to reflect changes in our services, business practices, or applicable laws.

The updated Policy will be made available on the bestscore platform.