TERMS & CONDITIONS

Effective Date: 01 January 2024
Business: Digital Katta — CIBIL Repair & Credit Solutions
Owner: Sagar Dhumal | Location: Karvenagar, Pune, Maharashtra
Email: isdigitalkatta@gmail.com | Phone: +91 97302 77442

1. ACCEPTANCE OF TERMS
By accessing our website, contacting us via WhatsApp, phone, or visiting our office — you agree to be fully bound by these Terms & Conditions. These terms apply to all clients, visitors, and individuals who engage with Digital Katta in any capacity.
If you do not agree with any part of these terms, we request you to discontinue use of our services immediately.

2. ABOUT OUR SERVICES
Digital Katta specializes in the following credit-related services:

✅ CIBIL Score Analysis & Credit Report Audit
✅ Negative Remark Identification & Removal
✅ Bureau Dispute Filing & Follow-Up
✅ Personalized 30–60 Day Credit Rebuilding Roadmap
✅ Loan Readiness Preparation & Credit Profile Structuring
✅ Long-Term Credit Health Advisory

All services are delivered ethically, transparently, and strictly within the legal framework of Indian credit bureau regulations.

3. NO GUARANTEED OUTCOMES
While Digital Katta has successfully helped hundreds of clients improve their CIBIL scores and become loan-ready, we do not guarantee:

Any specific CIBIL score number after service completion
Guaranteed loan approval from any bank or financial institution
Fixed timelines beyond our standard 30–60 day process

Results depend on individual credit history, bureau response timelines, and client cooperation. We commit to our best ethical efforts — never to fixed numerical promises.

4. CLIENT RESPONSIBILITIES
To ensure the best possible outcome, clients are expected to:

Provide accurate, complete, and truthful credit and personal information
Cooperate during the dispute and documentation process
Follow the credit behavior guidelines provided during the program
Make timely payments as agreed before service initiation

Any false or misleading information provided by the client that negatively impacts service delivery will be solely the client’s responsibility.

5. FEES & PAYMENT POLICY

All service fees are clearly communicated before onboarding begins
Full or partial payment is required before any work commences
Fees are service-specific and non-transferable to other individuals
Payment receipts will be provided for all transactions

6. ETHICAL PRACTICE COMMITMENT
Digital Katta strictly operates within ethical and legal boundaries. We do not engage in, support, or recommend:

❌ Illegal credit repair tactics
❌ Identity manipulation or fabrication
❌ Fraudulent dispute filings
❌ Temporary score inflation methods

Every action taken on your credit file is legitimate, documented, and bureau-compliant.

7. INTELLECTUAL PROPERTY
All content, processes, frameworks, templates, and materials developed and used by Digital Katta are proprietary intellectual property. Reproduction, resale, copying, or distribution of any Digital Katta material without prior written consent is strictly prohibited.

8. LIMITATION OF LIABILITY
Digital Katta shall not be held liable for:

Delays caused by credit bureau processing timelines
Loan rejections by banks or NBFCs post service completion
Any indirect or consequential financial loss arising from credit decisions

9. CHANGES TO TERMS
Digital Katta reserves the right to update, modify, or revise these Terms & Conditions at any time without prior notice. Continued use of our services after any update constitutes your acceptance of the revised terms.