Sure LogoSURE

Credit Information Terms and Conditions

Introduction

Sure Financial (“Sure Financial”, “we”, “our”, or “us”) provides credit-related services that enable you (“you”, “your”, or “Customer”) to access your credit information sourced from Credit Information Companies licensed by the Reserve Bank of India (“Credit Bureaus”) and to avail credit-related products and services including loans, credit cards, and credit score monitoring.

By accessing or using these services and by clicking on “Proceed”, “Continue”, or a similar action, you agree to be bound by these Credit Information Terms and Conditions (“Credit Information T&Cs”). If you do not agree, please do not proceed.

Definitions

“Credit Information” means any information relating to your credit profile, including but not limited to:

  • credit score and credit report;
  • details of loans and credit cards availed;
  • outstanding balances and repayment history;
  • credit behaviour and related financial attributes.

“Credit Bureau” means a credit information company licensed under the Credit Information Companies (Regulation) Act, 2005.

“Personal Information” means any information that identifies or relates to you, directly or indirectly, including information provided by you for the purpose of accessing credit information.

“End User Permitted Purpose” means the access, use, storage, and processing of your Credit Information by Sure Financial as your authorized representative for the purposes specified in these T&Cs.

Credit Bureaus Accessed

Sure Financial accesses your Credit Information only from RBI-licensed Credit Bureaus, namely:

  • TransUnion CIBIL
  • CRIF High Mark

No other credit bureau is accessed unless explicitly disclosed to you.

Purpose of Accessing Credit Information

Your Credit Information is accessed and used strictly for the following purposes:

  • showing optimizing potential regarding your active loans
  • displaying your credit score and credit report to you;
  • conducting identity verification and fraud prevention checks.

Sure Financial does not access or use your Credit Information for any purpose other than those stated above.

Authorization and Consent

By proceeding, you expressly and unequivocally:

  • appoint Sure Financial as your authorized representative to request, obtain, receive, and access your Credit Information from the Credit Bureaus on your behalf;
  • authorize the Credit Bureaus to disclose and deliver your Credit Information to Sure Financial;
  • consent to Sure Financial accessing, storing, and using your Credit Information strictly for the End User Permitted Purpose.

You expressly authorize Sure Financial to verify your identity and, for this limited purpose, share such Personal Information as may be necessary with the Credit Bureaus in order to access your Credit Information.

You further acknowledge and agree that your Credit Information may be accessed one or more times during the validity of your consent period, as may be required to fulfil the End User Permitted Purpose.

Your consent is voluntary. If you choose not to provide consent or deny consent by not proceeding, you will not be able to avail credit-related services on the Sure Financial platform.

Validity of Consent

Your consent shall remain valid for:

  • a period of six (6) months, or
  • until you withdraw your consent, or
  • until your Sure Financial account is deactivated,

whichever occurs earlier.

Data Storage and Retention

Sure Financial may retain your Credit Information only for the duration of the validity of your consent and solely to fulfil the stated purposes.

Credit Information is sourced from the Credit Bureaus and is relied upon by Sure Financial as provided. Sure Financial does not independently verify, validate, or guarantee the accuracy or completeness of the Credit Information received from the Credit Bureaus.

Upon expiry of consent or withdrawal, your Credit Information will no longer be accessed or used, except as required under applicable law.

Data Sharing

Your Credit Information is used only within Sure Financial.

Sure Financial does not share your Credit Information with any third party.

No sale, rental, or external disclosure of your Credit Information is undertaken.

User Control and Correction of Information

You acknowledge and agree that:

  • you may withdraw your consent at any time through the Sure Financial application;
  • withdrawal of consent will disable access to credit-related services;
  • Sure Financial does not control, alter, or modify your Credit Information;
  • if you believe that any Credit Information is inaccurate, incomplete, or outdated, you have the right to request correction or updation of such information directly with the relevant Credit Bureau, in accordance with applicable law.

Disclaimers

Credit Information and related services are provided on an “as-is” and “as-available” basis.

Sure Financial does not guarantee the accuracy, completeness, or suitability of the Credit Information.

Credit decisions are subject to internal assessment criteria and applicable policies.

Governing Law and Jurisdiction

These Credit Information T&Cs shall be governed by the laws of India. Courts in India shall have exclusive jurisdiction over any disputes arising herefrom.

Acceptance

By proceeding, you confirm that you have read, understood, and agreed to these Credit Information Terms and Conditions and provide your explicit consent accordingly.