Terms & Conditions

Effective Date: 12 August 2026

1. Acceptance of Terms

Welcome to Rupymart.

These Terms and Conditions govern access to and use of the Rupymart website and the services, information and features made available through it.

By accessing our website, submitting an enquiry, providing information or engaging our services, you agree to these Terms and Conditions to the extent applicable to your interaction with Rupymart.

If you do not agree with these Terms, you should discontinue use of the website.

2. About Rupymart

Rupymart provides professional services which may include:

• Credit score improvement guidance
• Credit profile review and assistance
• Debt collection and recovery support
• Loan underwriting support
• Financial document analysis
• Creditworthiness assessment
• Repayment-capacity assessment
• Related financial support services

Specific services may be governed by additional agreements, engagement letters, client instructions, lender policies or contractual terms. In the event of a conflict, the specific written agreement applicable to a service may prevail over these general website terms to the extent of that conflict.

3. Important Regulatory Clarification

Unless specifically and expressly stated otherwise on an appropriate page of the website, Rupymart should not be understood to be a bank, Non-Banking Financial Company, credit information company or other regulated lending institution merely because it provides credit-related support services.

Rupymart does not represent that access to this website creates:

• A lender-borrower relationship
• A loan sanction
• A credit facility
• An assurance of credit approval
• A guarantee of credit score improvement
• A legal or financial advisory relationship

Where services are provided for a bank, NBFC, lender or other institution, the concerned institution remains responsible for decisions that are legally or contractually reserved to it.

4. Eligibility

You must be legally capable of entering into a binding arrangement under applicable law to independently engage our services. Where you provide information on behalf of a company, institution or another individual, you represent that you are duly authorized to do so.

5. Credit Score Improvement Guidance

Rupymart may help individuals:

• Understand their credit report
• Identify possible discrepancies
• Understand repayment behaviour
• Review credit utilisation
• Develop better credit-management practices
• Understand factors affecting their credit profile

Such services are advisory and assistance-oriented. Rupymart does not control the methodology used by a credit information company and cannot guarantee that any particular action will increase a credit score. We will not knowingly recommend falsification, concealment or manipulation of legitimate financial information.

6. Debt Collection and Recovery Services

Rupymart may provide debt collection and recovery support to duly authorized organizations. Recovery activity is intended to be conducted through professional and responsible means. Rupymart does not support:

• Threats
• Harassment
• Intimidation
• Physical coercion
• Public humiliation
• Misrepresentation of legal authority
• Unauthorized disclosure of customer information
• Unlawful recovery practices

Repayment obligations remain governed by the underlying agreement between the creditor/lender and the concerned customer or borrower. Any settlement, waiver or modification of contractual dues is subject to appropriate authority from the concerned creditor or client.

7. Loan Underwriting Services

Rupymart may support lenders and institutions by reviewing:

• Applicant information
• Credit history
• Income
• Banking behaviour
• Existing obligations
• Employment or business information
• Financial documents
• Repayment capacity
• Risk indicators

Any underwriting assessment or recommendation provided by Rupymart is based on the information available at the relevant time. Unless specifically authorized under a contractual arrangement, the final decision to approve, reject, price, structure or sanction a loan remains with the concerned lender.

8. Accuracy of Information Provided by Users

Users and clients are responsible for ensuring that information submitted to Rupymart is:

• Accurate
• Complete
• Current
• Authentic
• Lawfully provided
• Not misleading

Rupymart may rely on information submitted by a user or client unless there is reason to question its authenticity. Providing forged, altered, misleading or unauthorized documents may result in suspension or termination of services and may be reported where legally appropriate.

9. Third-Party Information

Certain services may involve information obtained from third-party sources. Rupymart cannot guarantee the completeness or accuracy of information maintained independently by:

• Lenders
• Banks
• NBFCs
• Credit information companies
• Government databases
• Employers
• Third-party verification providers
• Other independent organizations

Any correction to records maintained by a third party may be subject to that party's procedures.

10. Fees and Payment

Where any Rupymart service is chargeable:

• Applicable fees should be communicated separately
• Payment terms may be specified before commencement
• Taxes may be charged as applicable
• Fees paid for completed professional work may not necessarily be refundable

Any service-specific refund or cancellation arrangement will be governed by the terms communicated for that engagement.

11. User Responsibilities

Users shall not use our website or services:

• For any unlawful purpose
• To impersonate another person
• To submit forged documentation
• To obtain information without authorization
• To interfere with website security
• To introduce viruses or malicious software
• To scrape or commercially exploit website content without authorization
• To misrepresent Rupymart's services
• To engage in fraudulent or abusive conduct

12. Intellectual Property

Unless otherwise stated, the Rupymart website and its original content, including:

• Brand name
• Logo
• Text
• Graphics
• Layout
• Design
• Documents
• Processes
• Website elements

are owned by or lawfully used by Rupymart. Website content may not be reproduced, republished, distributed or commercially exploited without appropriate permission.

13. Confidentiality

Rupymart recognizes that credit, underwriting and recovery assignments may involve confidential financial and business information. Information received in connection with an engagement will be handled in accordance with applicable confidentiality obligations, the Privacy Policy and any specific contractual arrangement governing the engagement.

14. No Guarantee of Outcome

Rupymart does not guarantee:

• Credit score improvement
• Correction of third-party records
• Loan approval
• Particular interest rates
• Loan disbursement
• Recovery of a particular debt
• Settlement of an outstanding account
• Acceptance of an underwriting recommendation
• Any specific financial outcome

Results depend on circumstances that may be outside Rupymart's control.

15. Website Availability

Rupymart seeks to maintain a functional and secure website but does not warrant uninterrupted or error-free availability. Website access may be affected by maintenance, technical issues, cybersecurity incidents or circumstances beyond reasonable control.

16. Third-Party Links

Links to external websites may be provided for convenience. Such links do not necessarily constitute endorsement. Rupymart is not responsible for independent third-party websites, their content, privacy practices or services.

17. Limitation of Liability

To the maximum extent permitted by applicable law, Rupymart will not be responsible for indirect, incidental, special or consequential losses arising solely from reliance on general website information. Nothing in these Terms is intended to exclude liability that cannot lawfully be excluded. Liability relating to a specific paid engagement may additionally be governed by the applicable written agreement.

18. Indemnity

To the extent permitted by law, users may be responsible for losses or claims arising from:

• Fraudulent information supplied by them
• Unauthorized provision of third-party information
• Misuse of Rupymart's website
• Violation of these Terms
• Unlawful use of Rupymart's services

19. Suspension or Termination

Rupymart may restrict or terminate access to a service where reasonably necessary due to:

• Fraud
• Misrepresentation
• Unlawful activity
• Abuse
• Non-payment
• Security concerns
• Material breach of applicable terms

20. Changes to These Terms

Rupymart may revise these Terms to reflect changes in services, operations, law or business requirements. Updated Terms will be posted on the website with the revised effective date.

21. Governing Law and Jurisdiction

These Terms shall be governed by the applicable laws of India. Subject to applicable law and any specific contractual dispute-resolution mechanism agreed separately, disputes arising from the website or these general Terms shall be subject to the jurisdiction of the competent courts at Kolkata, West Bengal.

22. Contact Us

For queries relating to these Terms: