Terms and Conditions

To use the Service, you must register on the Platform by providing accurate personal and KYC details. You are responsible for maintaining the confidentiality of your account credentials.

GroScore reserves the right to reject or terminate any account at its sole discretion if information provided is found to be false, incomplete, or in violation of these Terms. You shall not create more than one account.

GroScore is a credit health monitoring and advisory platform. The Service includes:

• Viewing and monitoring your credit score and credit report obtained from authorised Credit Information Companies (CICs) in India.
• Providing insights, recommendations, and suggested action steps that may, over time, positively influence your credit profile.
• Facilitating dispute resolution processes with CICs and lenders where applicable.

GroScore is an advisory and facilitation service only. It is not a credit repair agency, lender, or financial institution.

This is the most important section of these Terms. Please read it carefully.

• GroScore does not guarantee, promise, or commit to any specific improvement in your credit score, credit rating, or creditworthiness at any point — before, during, or after payment.
• Credit scores are calculated independently by CICs (such as TransUnion CIBIL, Equifax, Experian, and CRIF High Mark) using their own proprietary models. GroScore has no control over how CICs calculate or update credit scores.
• The recommendations and insights provided by GroScore are based on our best analysis of your credit report and general credit health principles. Acting on these recommendations does not guarantee any outcome.
• Individual results vary significantly based on factors entirely outside GroScore's control, including but not limited to: your repayment history, outstanding debt levels, credit utilisation, age of credit accounts, lender reporting timelines, CIC update cycles, and macroeconomic conditions.
• GroScore shall not be held liable for any failure to improve your credit score or any adverse outcome to your credit profile, regardless of whether you have subscribed to or paid for any Service.
• Payment for any GroScore Service constitutes payment for access to our platform, tools, recommendations, and facilitation efforts — not payment for a guaranteed credit score outcome.

• Charges for the Service are as displayed on the Platform at the time of purchase and are payable in advance.
• All charges are non-refundable once payment has been processed, except as specified below.
• You are eligible for a refund only if GroScore has not commenced any service activity within seven (7) days of payment. In such cases, you may raise a refund request within those 7 days, and GroScore shall, at its sole discretion, approve a refund not exceeding 50% of the amount paid.
• Refund requests raised after the 7-day window, or after GroScore has commenced the Service, will not be entertained under any circumstances.
• No refund shall be issued on grounds of dissatisfaction with credit score outcomes, as GroScore does not guarantee any specific credit score improvement.
• GroScore reserves the right to revise its pricing at any time. Revised pricing will apply to new subscriptions and renewals and will not affect already paid subscriptions for their current term.
• In case of auto-pay/recurring subscription, you authorise GroScore to collect subscription fees through the selected payment mode. You may cancel the auto-pay mandate through the Platform or your UPI/banking application at any time before the next renewal date.
• GroScore is not responsible for any payment failures, bank charges, or third-party payment processing fees. You are solely responsible for ensuring sufficient balance/limit for payment.
• All payments are processed through third-party payment gateways. GroScore does not store your card or banking credentials.

• GroScore's service is limited to making commercially reasonable efforts to assist you during the active subscription period.
• GroScore does not provide legal advice, tax advice, or investment advice. Seek independent professional advice where required.
• GroScore is not responsible for the actions, inactions, policies, or decisions of any lender, CIC, or financial institution.
• Any third-party financial products displayed or recommended on the Platform are offered by the respective institutions, not by GroScore. Approval of any loan or credit product is solely at the discretion of the relevant lender.

You may use the Platform only for your own personal, non-commercial purposes. You shall not misuse the Platform, attempt to manipulate credit data, or engage in any fraudulent activity. GroScore reserves the right to immediately suspend or terminate your account for any misuse or violation of these Terms.

By using the Platform, you authorise GroScore to fetch your credit report from CICs in India on your behalf, retain it for up to six months per fetch, and use it to provide the Service. This consent is refreshed each time you log in. Your data is handled in accordance with our Privacy Policy, which forms part of these Terms.

GroScore's total liability to you under any circumstances shall not exceed the amount paid by you to GroScore for the relevant Service. GroScore shall not be liable for any indirect, incidental, consequential, or punitive damages, including any loss arising from changes (or lack of change) in your credit score.

You agree to indemnify and hold GroScore and its officers, directors, employees, and representatives harmless from any claim, loss, damage, or expense arising from your violation of these Terms, misuse of the Platform, or submission of false information.

GroScore may terminate your account with or without notice in the event of any breach of these Terms. You may request account deactivation by emailing support@gromo.in. No refund of subscription fees will be issued upon termination unless specifically provided for in Section 4.

These Terms are governed by the laws of India. Any dispute shall be resolved by arbitration before a sole arbitrator appointed by GroScore, seated at Gurugram, Haryana. Courts in Gurugram shall have exclusive jurisdiction for any matters not subject to arbitration.

Level 1 – Support: support@gromo.in | +91 8384030103 | TAT: 7 working days

Level 2 – Grievance Officer: Rohit Nagar | rohit.nagar@gromo.in | TAT: 14 working days

Level 3 – Nodal Officer: Darpan Khurana | escalation@gromo.in | TAT: 30 days from original complaint

If unresolved, you may approach the RBI Integrated Ombudsman Scheme or the relevant CIC grievance channel.