Terms & conditions

1. Introduction

Welcome to bestscore (“platform” or “app”), operated by KGIL fintech solutions private limited (“company”, “we”, “us”, or “our”). by accessing or using bestscore, you agree to these terms and conditions.

Bestscore is a credit information platform that provides users with access to their personalised credit report and credit score information obtained from authorised credit information companies, subject to applicable laws and user consent.

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

Users are required to provide accurate information and use the platform only for lawful purposes. for any queries, please contact us at

2. Definitions

• “Credit information companies” or “cic” means credit information companies registered with the reserve bank of india, including transunion cibil limited, equifax credit information services private limited, experian credit information company of india private limited, crif high mark credit information services private limited, and such other credit information companies as may be permitted under applicable law.
• “Credit information” means information relating to a user's credit history and credit profile, including credit score, credit accounts, repayment history, outstanding amounts, enquiries, and other information made available by an authorised credit information company.
• “Services” means the services provided through bestscore, including access to personalised credit reports, credit score information, and related informational features.
• “Personal information” means information relating to an identified or identifiable individual as defined under applicable data protection laws.

3. Use of services

3.1 Personalised credit report

Bestscore may provide users with access to their personalised credit report and credit score based on information obtained from authorised credit information companies and subject to the user's consent.

3.2 User information

Users agree to provide accurate and complete information required to access the services. bestscore may use such information only for providing and improving the services and for purposes permitted under applicable law.

3.3 Platform content

All educational, informational, graphical, and other content made available through bestscore is provided for informational purposes and is owned by or licensed to the company, unless otherwise stated.

4. Consent for accessing credit information

By using the services and providing the required consent, you authorise bestscore to access and retrieve your credit information from authorised credit information companies for the purpose of providing your personalised credit report and related services.

Your credit information may be processed and shared with bestscore in accordance with applicable law, the terms of the relevant credit information company, and your consent.

You may withdraw your consent, subject to applicable law and any consequences associated with such withdrawal, by contacting us through the available support channels.

5. Accuracy of credit information

The credit report and credit score displayed through bestscore are based on information received from the relevant credit information company. bestscore does not independently create, determine, alter, or control the credit score or underlying credit history maintained by a credit information company.

If you believe that any information in your credit report is incorrect, you may raise a dispute with the relevant credit information company through the applicable dispute-resolution process.

bestscore does not guarantee the accuracy, completeness, or availability of information maintained by any third party beyond its reasonable control.

6. Confidentiality and Data Protection

Bestscore will process personal information and credit information in accordance with its privacy policy and applicable laws.

We maintain reasonable administrative, technical, and physical safeguards to protect personal information and credit information against unauthorised access, use, disclosure, alteration, or loss.

Information may be retained for as long as necessary to provide the services or as required under applicable law.

7. Intellectual Property

All trademarks, logos, service marks, software, content, designs, and other materials available on bestscore belong to the company or its licensors and are protected under applicable intellectual property laws.

Users may access and use such content only for personal and lawful purposes and may not copy, reproduce, modify, distribute, sell, or commercially exploit it without prior written permission.

8. Usage restrictions

While using bestscore, you must not:

• Violate any applicable law or regulation;
• Provide or access another person's information or account without authorisation;
• Misuse or disclose another person's credit information;
• Create fraudulent or multiple accounts for improper purposes;
• Introduce viruses, malware, or harmful code;
• Attempt to gain unauthorised access to the platform or its systems;
• Bypass or interfere with security measures; or
• Impersonate another person or entity.

You will be responsible for any loss or damage arising from your unlawful or unauthorised use of the platform.

9. Indemnity

You agree to indemnify and hold harmless kgil fintech solutions private limited, its directors, officers, employees, and representatives from claims, losses, damages, liabilities, and reasonable costs arising from your breach of these terms, violation of applicable law, misuse of the platform, or infringement of any third-party rights.

10. Limitation of Liability

To the extent permitted by applicable law, bestscore shall not be responsible for any loss arising from inaccuracies, omissions, delays, or unavailability of credit information maintained by a credit information company or other authorised third party.

Bestscore shall not be liable for any indirect, incidental, special, consequential, or similar losses arising from the use of the platform or services, except to the extent such limitation is not permitted under applicable law.

Nothing in these terms shall exclude or limit liability that cannot legally be excluded or limited.

11. No lending or credit Improvement services

Bestscore is only a credit information and personalised credit report platform. Bestscore does not:

• Provide or disburse loans;
• Sanction or approve credit facilities;
• Act as a lender or financial institution;
• Arrange or facilitate loans;
• Provide a lending marketplace;
• Provide credit improvement plans;
• Guarantee improvement in credit score; or
• Guarantee approval of any loan, credit card, or other financial product.

Any financial decision, including any decision relating to credit facilities, is solely the responsibility of the relevant financial institution or credit provider.

12. Contact us

If you have any questions, concerns, or requests regarding these terms or the services, please contact us at:

• Email: info@bestscore.in
• Phone: 91+ 9028073794

13. Refund and Cancellation

Fees paid for accessing personalised credit reports or related services are generally nonrefundable and non-prorated, except where a refund is required under applicable law or is otherwise approved by the company.

Where applicable, users may cancel their subscription at any time. Cancellation will take effect at the end of the applicable billing cycle, and no further charges will apply unless the user renews or re-subscribes.

For refund or cancellation-related queries, users may contact our support team through the contact details provided above.

14. Grievance Redressal

Bestscore is committed to addressing user grievances fairly, promptly, and transparently in accordance with applicable laws.

Users may raise concerns relating to the app, personalised credit reports, credit information, privacy, subscriptions, or other services through our designated grievance channel.

• Grievance officer: Kunika Modi
• Email: grievance@bestscore.in
• Contact: 91+ 9028065621

We will endeavour to acknowledge and address grievances within the timelines prescribed under applicable law.

15. Privacy policy

We respect your privacy and are committed to protecting your personal information and credit information. our privacy policy explains how we collect, use, process, store, and protect information when you use bestscore.

By using the platform, you acknowledge that your information will be processed in accordance with our privacy policy and applicable laws.

16. Amendments

The company may modify or update these terms from time to time to reflect changes in its services, applicable laws, regulatory requirements, or business practices. where required, material changes will be notified to users.

continued use of bestscore after the updated terms become effective will constitute acceptance of the revised terms.