Terms of service

Last updated 29 July 2026

1. Who you are contracting with

This site belongs to Kenstone Credit, a sole proprietorship of Seethalakshmi J H, registered office Flat #117, Mahaveer Coral Apartment, 15th Main, 17th H Cross, JP Nagar 5th Phase, Bengaluru, Karnataka 560078, India. In these terms that firm is "we" or "us", and "you" is the person or entity using the site or engaging us. Using the site, asking for a quotation or instructing us means you accept these terms.

2. What we undertake

We review credit reports, identify entries that appear inaccurate, outdated, duplicated or wrongly attributed, raise disputes on those entries with the relevant credit bureau and the reporting lender, pursue them to a decision, and advise on rebuilding afterwards. That is the whole of our undertaking.

3. What we do not undertake

• We are not a bank, NBFC, credit bureau, credit information company, loan agent, settlement firm or recovery agency, and we are not regulated by the Reserve Bank of India.
• We do not remove accurate information. Genuine records of default, settlement or late payment remain for the period prescribed by the applicable credit information rules and cannot lawfully be deleted by anyone.
• We do not guarantee any credit score or CMR rank, or any movement in either. Those are computed by the bureaus on their own models.
• We do not guarantee that any lender will approve anything. That decision is the lender's alone.
• We do not lend, arrange loans, act for lenders, negotiate settlements or collect debt.
• We do not control what a bureau or lender does or how long it takes, and we are not answerable for their delays or decisions.

4. Scope and fees

Every engagement is preceded by a written assessment and a scope of work naming the entries to be pursued and the outcome expected on each. Our fee is fixed, published on the pricing page, and agreed before work starts. There is no success fee and no percentage of any amount. Work begins once the agreed fee is received. Anything outside the agreed scope, including entries that surface later, is quoted separately.

5. What we need from you

• Accurate, complete information. A dispute built on something you know to be untrue is a misrepresentation, and we will withdraw from the engagement if we find one.
• Documents when we ask for them, since disputes stall without them.
• Consent to access your credit information for the purpose of the engagement, kept in force while we work.
• Continued servicing of your live loans and cards, since a fresh default during the engagement will undo the work.
• Prompt notice if a bureau or lender contacts you directly about a dispute we raised.

6. Authority to act

Instructing us authorises us to access your credit information and to correspond with bureaus and lenders on your behalf, strictly for the agreed scope. You may withdraw that authority in writing at any time, which ends the engagement. What happens to fees is set out under refunds and cancellation.

7. Payment

Fees are payable in Indian Rupees against an invoice, by the methods listed on the pricing page. We will never ask you to pay an individual by name or into a personal account. If anyone claiming to act for us does, stop and call +91 96633 96610.

8. Liability

We work with reasonable skill and care. So far as the law permits, our total liability in connection with an engagement is limited to the fee you paid for that engagement, and we are not liable for indirect or consequential loss, including lost profit, a lost business opportunity, or a refusal of credit by any lender. Nothing here excludes liability for fraud, or any liability that cannot be excluded under the Consumer Protection Act, 2019 or other applicable law.

9. Our material

The content of this site, the assessments and templates we produce, and our name and marks are ours. Reports prepared for you are yours to use for your own purposes, but are not to be resold or republished.

10. Names belonging to others

CIBIL is a registered trademark of TransUnion CIBIL Limited. Experian, Equifax and CRIF High Mark are trademarks of their respective owners. We use those names only to identify which reports our work relates to, and we are independent of all of them.

11. Changes

These terms may be revised. The version on this page on the date you instruct us is the version that governs that engagement.

12. Law and jurisdiction

Indian law governs these terms, and the courts at Bengaluru, Karnataka have exclusive jurisdiction over any dispute arising from them.

13. Reaching us

Kenstone Credit, Flat #117, Mahaveer Coral Apartment, 15th Main, 17th H Cross, JP Nagar 5th Phase, Bengaluru, Karnataka 560078, India
Telephone +91 96633 96610
Email harish@kenstone-credit.in