Terms & Conditions

1. Introduction

1.1. These Terms and Conditions (“T&C”) govern your use of the StepUp Score CIBIL Advisory Platform and the StepUp Score Guaranteed Plan, including coaching, advisory, monitoring, or handholding services, collectively called the “Services”.

1.2. The Services are provided by Upscore Fintech Private Ltd , having its registered office at 2nd Floor, Paikray Building, Near HHI Hotel, Kharvelanagar, Bhubaneswar – 751001, Odisha. The brand name for these Services is StepUp Score.

1.3. By accessing the StepUp Score website, submitting any form, uploading any document, including a CIBIL or Credit Report PDF, or availing any advisory or guaranteed plan, you confirm that:

You have read, understood, and accepted these T&C.
You are at least 18 years of age and legally competent to enter into binding agreements.
You are providing all information and documents voluntarily and with full consent.

If you do not agree to these T&C, you must not use the Services or submit any information. Where a proposer or representative acts on your behalf, they must have your explicit consent, and you remain fully responsible for all information and documents provided.

2. Source and Accuracy of Credit Information

2.1. All credit information used in the Services, including CIBIL or other credit bureau reports, is sourced from credit bureaus based on data provided by their member banks and credit institutions.

2.2. You acknowledge and agree that:

StepUp Score does not generate, verify, or guarantee the accuracy, completeness, or correctness of any credit information provided by Members.
Credit information is current only to the extent provided by Members and may change thereafter.
StepUp Score shall not be liable for any loss, damage, claim, or expense arising from incorrect or outdated credit information provided by Members or due to technical reasons.

2.3. StepUp Score reproduces and uses credit information on an as-available basis and does not warrant that such information is uninterrupted, error-free, or free of viruses or other harmful components.

3. Nature of Services

3.1. StepUp Score is an advisory platform only. We provide:

Interpretation of credit reports.
Advisory on credit health improvement strategies.
Guidance on repayment discipline, credit mix, utilization, and dispute processes.
Dedicated coaching and handholding under the Guaranteed Plan.

3.2. StepUp Score does not guarantee:

Any specific credit score.
Any increase in score within a specific time.
Deletion, removal, or alteration of any entry, including DPD, defaults, suit filed, or similar items.
Any authority to modify, erase, or alter data maintained by credit bureaus or lenders.

3.3. All advisory and coaching are based on:

Information provided by you.
Reports obtained from credit bureaus.
Standard industry practices and lender policies as known to StepUp Score.

StepUp Score does not represent or guarantee loan approvals, credit card approvals, interest rates, or any lender decision.

3.4. The CIBIL or credit report PDF uploaded by you is processed by our system for parsing and extraction, which may not be 100% accurate in all cases. You are advised to reverify all extracted information against the original report before taking any action.

3.5. The advisory steps mentioned in the report are provided for guidance only and may not yield the desired results or within the expected timeframe. Outcomes may vary due to changes in credit scoring models, including by TransUnion CIBIL or other bureaus, or other circumstances beyond our control. Your use of this advisory is solely at your own discretion, and any direct or indirect loss arising from such use shall be solely your responsibility.

4. Eligibility and Use of Services

4.1. The Services are available only to:

Individuals who are citizens of India.
Persons who are 18 years or older.
Persons who hold a valid PAN and can complete KYC verification.

4.2. You must provide:

Accurate and complete personal details, such as name, mobile number, email, address, PAN, and similar information.
A valid CIBIL or Credit Report PDF, original, unedited, uncompressed, and not exceeding 49 MB.
Any additional documents required for KYC or advisory, such as Aadhaar, income details, or loan details.

4.3. The credit report and advisory provided by StepUp Score reflect the data as on the date of report generation only. StepUp Score may terminate Services at any time in case of fraud, data manipulation, breach of trust, or misrepresentation by the Customer or proposer. In such cases, StepUp Score may initiate appropriate legal proceedings.

4.4. If there is any mismatch or discrepancy in the data provided, StepUp Score’s backend team may require additional KYC or supporting documents for verification. Failed verification may lead to rejection of the Service. Such cases may result in a full refund or NO refund, depending on the nature of the case, as per the applicable Refund Policy.

4.5. If a credit report is already good and self-assessed, requiring no advisory support, the customer is advised not to request updates or re-reporting, as these incur backend processing costs and are not eligible for refund.

4.6. For duplicate uploads or more than one file upload per case, refer to the Refund Policy and File Upload Guidelines for eligibility and conditions.

4.7. Where a proposer or representative fills details or uploads documents on your behalf:

You confirm that you have given explicit consent to that person to act on your behalf.
You are still fully responsible for the accuracy and authenticity of all information and documents.
All communications and agreements between you and StepUp Score remain directly between you and Upscore Fintech Private Ltd.

4.8. You must not:

Use the Services for any illegal, fraudulent, or deceptive purpose.
Attempt to manipulate, forge, or falsify any credit report, KYC document, or other information.
Misrepresent your financial status, loan history, or identity to StepUp Score or any lender.

5. Credit Report Upload Conditions

5.1. You upload your CIBIL or Credit Report PDF solely for:

Credit health analysis and advisory.
Strategy planning for credit improvement.
Coaching and handholding under the Guaranteed Plan, if opted.

5.2. You agree that:

The PDF must be the original report downloaded from the credit bureau or lender portal.
The PDF must not be edited, converted, or compressed.
The file size must not exceed 49 MB.
Any report that fails to meet these requirements may be rejected, and StepUp Score may not be liable for delay or non-service.

5.3. Your KYC must be verified by StepUp Score’s backend verification team before any advisory or coaching begins. If KYC verification fails or is incomplete, StepUp Score may:

Refuse to provide Services.
Cancel your enrollment.
Initiate refund as per applicable policy.

5.4. No representative of StepUp Score or any proposer can promise or commit that:

CIBIL history can be erased.
Any specific entry, including DPD, defaults, or NPA, can be removed.
Any specific credit score jump will happen within a specific time.

All such statements, if made, are misleading and not authorized by StepUp Score. StepUp Score will not be liable for any such unauthorized promises made by any third party.

6. Consent to Access and Share Credit Information

6.1. You hereby appoint Upscore Fintech Private Ltd as your lawfully appointed agent to:

Receive your credit information from credit bureaus, where applicable.
Access and interpret your credit report for advisory purposes.
Share relevant information with your coaching or advisory team within StepUp Score for delivering the Services.

6.2. You hereby unconditionally consent to and direct any credit bureau to:

Provide your credit information to StepUp Score and, where applicable, to you through StepUp Score.
Allow StepUp Score to access and use such information solely for delivering advisory and coaching Services.

6.3. By clicking “I Accept”, “Submit”, or similar buttons on the StepUp Score platform, you provide written electronic consent to:

StepUp Score obtaining your credit information.
StepUp Score storing and using your credit information as per these T&C and StepUp Score’s Privacy Policy.

You understand that such electronic consent is legally valid and binding.

6.4. StepUp Score may store your credit information and related data for a maximum period of six months on a single consent, unless:

The information is required to be retained for the purpose for which it was provided.
You withdraw your consent earlier.

After expiry or withdrawal, stored credit information will be deleted, purged, or expunged as per applicable laws and StepUp Score policies.

6.5. You may withdraw your consent in writing to StepUp Score. Upon withdrawal, StepUp Score will delete or anonymize your data, except where retention is required by law.

6.6. You agree that credit bureaus are not responsible for any loss, claim, liability, or damage arising from:

Delivery of your credit information to StepUp Score.
Any use, modification, or disclosure by StepUp Score of such information.
Any breach of confidentiality or privacy in relation to delivery of your credit information to StepUp Score.

7. DIY Plan and Guaranteed Plan

7.1. The DIY Plan is a self-led advisory program where:

You access materials, guidance, and recommendations.
You implement changes on your own.
There is no dedicated coach unless you upgrade to the Guaranteed Plan.

The DIY Plan is suitable for customers who are comfortable with digital tools and can follow instructions independently.

7.2. The Guaranteed Plan is intended for:

Customers who have used the DIY Plan but need more support.
Semi-literate customers or those who need dedicated coaching and handholding.

Features of the Guaranteed Plan:

Dedicated coach for step-by-step guidance.
Structured advisory and monitoring process as per the plan terms.

The Guaranteed Plan is still an advisory service only and does not guarantee:

CIBIL history removal.
Specific score increase.
Alteration of report entries, including DPD.

7.3. Refund under the Guaranteed Plan is subject to:

Successful completion of KYC.
Submission of a valid CIBIL or Credit Report meeting file requirements.
Adherence to the agreed advisory process and timelines.
Verification by StepUp Score that the agreed outcome was not delivered within the defined timeframe.
Compliance with all T&C and no fraud or misrepresentation.
If a Customer uploads a duplicate of second file within 30 days of the 1st file upload, a reupload fee of Rs. 250+ GST applies. This fee is non-refundable. This service is to be processed through Backend SUS staff/Telecaller ONLY. Any re-upload within 30 days of an earlier report payment done directly by the customer will NOT be refunded.

For detailed pricing and refund terms, please refer to the Plan Page on the StepUp Score website.

8. Payments and Fees

8.1. Fees for the DIY Plan and Guaranteed Plan are as displayed on the Plan Page on the StepUp Score website.

8.2. Payment is processed through secure payment gateways integrated by StepUp Score. All charges, taxes, and other applicable fees are as displayed before payment.

8.3. For eligibility, pricing, and refund conditions, please refer to the Plan Page. StepUp Score reserves the right to update fees and plan structures with prior notice on the website.

8.4. We use Razorpay for payment processing. If any amount is debited from the customer’s account but is not received by us, the customer should first email us with the transaction details. After we verify and confirm the issue, the customer may then contact the respective bank and follow the required resolution steps.

8.5. Official Payment Channel: All payments for SUS services must be made only through the official SUS website/app. No external payments: any payment made outside the SUS platform (e.g., to individuals, WhatsApp contacts, or unofficial links) is solely the customer’s responsibility. SUS will not recognize or process refunds for such transactions.

8.6. Refund Processing: if a refund is approved, it will be processed only to the same account/payment method used for the original transaction. Refunds will not be issued to third-party accounts or alternative payment methods.

9. Data Protection and Privacy

9.1. StepUp Score collects, stores, and processes your personal and credit information in accordance with its Privacy Policy.

9.2. You agree that StepUp Score may:

Store your data for advisory and coaching purposes.
Share your data with internal advisory or coaching teams.
Use third-party service providers, such as payment gateways or document storage providers, for operational purposes.
Retain data as required by law or for regulatory compliance.

9.3. You must not:

Upload any third party’s credit report or documents without their explicit consent.
Use the Services to access or attempt to access any other person’s credit information.

10. Disclaimers and Limitation of Liability

10.1. The Services are provided on an as-available basis. StepUp Score expressly disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

10.2. StepUp Score does not guarantee:

Loan or credit card approvals.
Specific interest rates, tenures, or terms.
Any specific credit score or improvement timeline.
Removal or alteration of any entries in your credit report.

10.3. To the maximum extent permitted by law, StepUp Score shall not be liable for any indirect, incidental, special, or consequential damages arising from:

Use or inability to use the Services.
Any reliance placed on advisory or coaching.
Any action taken by lenders or credit bureaus based on information provided.

10.4. Your total remedy for dissatisfaction with the Services is limited to:

Refund as per applicable policy, especially for the Guaranteed Plan.
Discontinuation of Services.

11. User Responsibilities and Misuse

11.1. You confirm and agree that:

All information provided is accurate, complete, and up to date.
All documents, including CIBIL or Credit Report PDF, are genuine and unaltered.
You have not engaged in any fraud, forgery, or misrepresentation.

11.2. You agree to:

Cooperate with StepUp Score’s advisory and coaching team.
Follow the guidance provided under the DIY or Guaranteed Plan.
Not make any false claims against StepUp Score, credit bureaus, or lenders based on advisory inputs.

11.3. In case of any discrepancy, fraud, or misrepresentation, StepUp Score may:

Suspend or terminate your access.
Cancel your enrollment.
Initiate legal action as per applicable laws.

12. Consent Withdrawal and Grievance Redressal

12.1. You may withdraw your consent for StepUp Score to access and store your credit information by emailing info@stepupscore.com and including your full name, mobile number, and a clear request to withdraw consent. Upon receipt, StepUp Score will review the request and, where applicable, delete or anonymize your data within 15 working days, except where retention is required by law.

12.2. Grievance Redressal Officer:

📩 Email: info@stepupscore.com

📞 Mobile: 9861692730

📍 Address: Upscore Fintech Private Ltd, 2nd Floor, Paikray Building, Near HHI Hotel, Kharvelanagar, Bhubaneswar – 751001, Odisha

StepUp Score will endeavor to respond within 72 working hours and resolve the issue within 30 days. You may also approach the concerned credit bureau for disputes related to credit report accuracy via its official dispute resolution portal.

13. Governing Law and Jurisdiction

13.1. These T&C shall be governed by and construed in accordance with the laws of India.

13.2. Any dispute, claim, or matter arising out of or in connection with these T&C or the Services shall be subject to the exclusive jurisdiction of the courts in Bhubaneswar, Odisha.

14. Modifications to Terms and Conditions

14.1. StepUp Score may update or modify these T&C at any time without prior notice.

14.2. Updated T&C will be posted on the website. Your continued use of the Services after such changes constitutes your acceptance of the updated T&C.

15. Acceptance of Terms

By:

Filling the enrollment or CIBIL upload form.
Uploading your CIBIL or Credit Report PDF.
Clicking “I Accept”, “Submit”, or similar buttons.

You confirm that:

You have read, understood, and accepted these Terms and Conditions.
You agree to be bound by them.
You authorize StepUp Score to access, store, and use your credit information as described herein.