Terms & Conditions

1. Introduction

Brighto Credit Information Pvt. Ltd. (“Brighto India”, “we”, “us”, or “our”), registered under the Companies Act, 2013, located at C-83, 1st Floor, Sector-2, Noida, India, governs the use of its website, content, products, services, and other tools and technologies (collectively referred to as “Services”) offered through the website (www.brightoindia.com) (the “Site”).

These Terms & Conditions (“Terms”) constitute a legally binding agreement between Brighto India and any individual, organization, company, or entity (“you”, “your”, or “Client”) that intends to utilise our Services. By accessing or using our Site and Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

This page will be updated according to business policies and requirements. Users are advised to review this page periodically and adhere to the latest version.

2. Our Services

Brighto India provides verification, due diligence, and risk management solutions including but not limited to:

• Due Diligence Services
• Loan Application Verification
• Field Investigation (FI)
• Contact Point Verification (CPV)
• Risk Containment Unit (RCU) Support
• Document Verification
• Fraud Risk Assessment
• Credit Appraisal Support
• Verification API Solutions

Service-specific terms, deliverables, timelines, and pricing may be agreed upon separately through formal contracts and statements of work.

3. Ownership of Content

Brighto India does not claim ownership of any data submitted by you through our website. Data may include names, contact details, addresses, email IDs, documents, and files. However, we require certain rights to perform verification services, which include the right to save, process, verify, and share content for background research in accordance with our Privacy Policy and with your explicit consent.

Clients cannot claim ownership of our services, software, technologies, or other materials provided during the verification process. Brighto India reserves all rights to its usage and functionality during and after the term of this agreement.

4. User Eligibility

You must be at least 18 years of age to access or use our Services. By accepting these Terms, you warrant that you are 18 or older and will comply with all applicable laws, regulations, and policies.

5. Rights and Responsibilities

5.1 Your Rights

• You may request services tailored to your business needs by communicating your requirements via email or our contact form.
• You may withdraw your request before we initiate the process by notifying us via email.
• You may opt out of any promotional communications at any time.

5.2 Your Responsibilities

• You are solely responsible for the accuracy and legality of all data and information submitted through our website or via email.
• You must ensure that all submitted data is free from viruses, malware, or any harmful content.
• If you create login credentials, you must keep them secure and notify us immediately of any suspected security breach. You must not share credentials with any unauthorised third party.
• You agree to use our Services only for lawful purposes and in compliance with these Terms.

5.3 You Agree Not To

• Upload unlawful content that defames, harasses, or threatens others.
• Tamper with, disrupt, or attempt to gain unauthorised access to our systems or services.
• Send spam, unsolicited content, or files containing viruses or malicious code.
• Violate any local, national, or international law or data protection regulation.
• Infringe upon the intellectual property rights of others.
• Use our Services to stalk, harass, or defame any individual or entity.

6. Our Rights

• We reserve the right to determine pricing, service packages, and feature offerings.
• We may modify service plans and features at our discretion, with updates published on our Site.
• We reserve the right to limit, suspend, or discontinue Services if we believe a Client is misusing our platform or breaching these Terms.
• We may halt Services if a security concern arises and resume once the concern is resolved.
• We reserve the right to remove or reject files that contain viruses, malware, or harmful content.
• We may terminate sessions and change credentials if a security breach is detected.

7. Our Responsibilities

• We maintain the security and integrity of our Site and associated platforms.
• We are committed to delivering our Services with the highest professional standards.
• We ensure regular updates to our systems and communicate maintenance schedules via email or official channels.
• We adhere to our Privacy Policy in the handling of your personal data.

8. Intellectual Property

All software, content, logos, trademarks, and proprietary materials on this Site are the property of Brighto India and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written consent. You may use our trademarks solely to identify yourself as a client of our Services, subject to these Terms.

9. Limitation of Liability

Brighto India shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our Services. Our total liability shall not exceed the amount paid by you for the specific service giving rise to the claim, if any. While we strive for accuracy in our verification reports, we do not warrant that they are 100% error-free or defect-free.

10. Indemnity

You agree to indemnify and hold harmless Brighto India, its directors, employees, agents, and affiliates from any claims, losses, damages, liabilities, or expenses arising from your breach of these Terms, violation of any law, or infringement of any third-party rights through your use of our Services.

11. Account Suspension and Termination

We reserve the right to suspend or terminate your access to our Services if we believe you have violated these Terms. You may also terminate your engagement with us at any time by notifying us in writing. Upon termination, your right to access and use our Services ceases immediately. Any outstanding obligations under these Terms survive termination.

12. Confidentiality

Both parties agree to maintain the confidentiality of proprietary or sensitive information shared during the course of business engagement, in accordance with applicable confidentiality obligations under Indian law.

13. Force Majeure

Brighto India shall not be liable for any failure or delay in performance arising from causes beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, power failures, or internet disruptions.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Noida, Uttar Pradesh, India.

15. Changes to These Terms

We may update these Terms from time to time. Changes will be effective immediately upon posting on this page with the revised date. Your continued use of our Services after changes constitutes acceptance. If you do not agree to the modified Terms, please discontinue use of our Services.

16. Contact

If you have any questions, suggestions, or concerns regarding these Terms, please contact us:

Brighto Credit Information Pvt. Ltd.
C-83, 1st Floor, Sector-2, Noida, India
Email: Support@brightoindia.com
Phone: 9311463901