Disclaimer Policy

CIBIL FIXER

Please read carefully. CIBIL FIXER is an independent consulting firm. No specific outcome — credit score increase, loan approval, credit card approval or bureau update — is guaranteed. Final decisions remain with credit bureaus and lenders.

1. General Disclaimer

The information, services, guidance, analysis, recommendations, educational content and materials provided by CIBIL FIXER are intended solely for informational, educational, consulting and documentation assistance purposes.

By accessing our website, communicating with us, submitting documents, making payments or availing any service, you acknowledge and agree to this Disclaimer Policy.

2. Independent Consulting Firm Disclaimer

CIBIL FIXER is an independent credit consulting, credit education, documentation assistance and credit profile advisory firm.

CIBIL FIXER is not a Credit Information Company, Bank, NBFC, Financial Institution, Government Authority, Regulatory Authority, Law Firm or Legal Services Provider.

3. Non-Affiliation Disclaimer

CIBIL FIXER is not owned, operated, authorized, endorsed by, affiliated with, associated with or acting on behalf of:

  • TransUnion CIBIL
  • Experian
  • Equifax
  • CRIF High Mark
  • Reserve Bank of India (RBI)
  • Any Bank
  • Any NBFC
  • Any Government Authority
  • Any Credit Information Company

unless expressly stated in writing. All trademarks, trade names, logos and brand names belong to their respective owners and are used solely for identification, reference and informational purposes.

4. No Credit Score Guarantee

CIBIL FIXER does not guarantee:

  • Credit Score Increase
  • Specific Credit Score Achievement
  • Any Minimum Credit Score
  • Future Credit Score Performance
  • Any Particular Credit Profile Outcome

Credit scores are determined solely by the respective Credit Information Companies using proprietary scoring methodologies and available data.

5. No Loan Approval Guarantee

CIBIL FIXER does not guarantee approval of:

  • Personal Loans
  • Home Loans
  • Business Loans
  • Vehicle Loans
  • Education Loans
  • Gold Loans
  • Any Other Credit Facility

Loan approval decisions remain solely with the relevant lender.

6. No Credit Card Approval Guarantee

CIBIL FIXER does not guarantee approval of any credit card application.

All approval decisions remain solely with the issuing bank or financial institution.

7. No Guarantee of Bureau Actions

CIBIL FIXER does not guarantee:

  • Acceptance of disputes
  • Bureau corrections
  • Account deletions
  • Record removals
  • Bureau updates
  • Data modifications
  • Bureau processing timelines
  • Bureau responses

All such decisions remain solely with the relevant Credit Information Company.

8. No Removal of Accurate Information

CIBIL FIXER does not claim, undertake or guarantee removal, alteration, suppression or deletion of information that is accurate, valid, lawful and properly reported.

Services are limited to assisting customers with information that may be:

  • Incorrect
  • Incomplete
  • Duplicated
  • Outdated
  • Disputed

through lawful and legitimate processes.

9. Third-Party Decisions Disclaimer

All decisions relating to:

  • Credit Scores
  • Credit Reports
  • Loan Applications
  • Credit Card Applications
  • Account Status Updates
  • Settlement Requests
  • Credit Limits
  • Interest Rates
  • Bureau Responses

remain solely with the relevant Credit Bureau, Bank, NBFC, Financial Institution, Government Authority or Regulatory Authority. CIBIL FIXER has no authority or control over such decisions.

10. No Legal Advice Disclaimer

CIBIL FIXER does not provide legal advice.

Any information, guidance, templates, communications or suggestions provided by CIBIL FIXER should not be interpreted as legal advice.

Customers should consult a qualified advocate or legal professional where legal advice is required.

11. No Financial, Tax or Investment Advice

Services provided by CIBIL FIXER do not constitute:

  • Financial Planning Advice
  • Investment Advice
  • Tax Advice
  • Accounting Advice
  • Wealth Management Advice
  • Securities Advice

Customers should seek independent professional advice wherever necessary.

12. Customer Responsibility Disclaimer

Customers remain solely responsible for:

  • Financial Decisions
  • Borrowing Decisions
  • Repayment Decisions
  • Settlement Decisions
  • Credit Utilization Decisions
  • Implementation of Recommendations
  • Submission of Documents

Any action taken by a customer based on information, guidance or recommendations provided by CIBIL FIXER is undertaken at the customer's own discretion and risk.

13. Accuracy of Information Disclaimer

CIBIL FIXER relies upon information, documents, reports and records received from customers and third parties.

CIBIL FIXER does not guarantee the completeness, accuracy, authenticity or reliability of information supplied by external sources.

14. Customer Authorization Disclaimer

The customer confirms and authorizes CIBIL FIXER to review, analyze, process and work upon documents, credit reports, records and information voluntarily provided by the customer for the purpose of delivering requested services.

The customer further confirms that they possess the necessary rights, authority and permissions to share such information with CIBIL FIXER.

15. Processing Timeline Disclaimer

Any estimated timelines, expected completion dates, projected resolution periods or anticipated bureau responses communicated by CIBIL FIXER are estimates only.

Actual timelines may vary depending on:

  • Credit Bureaus
  • Banks
  • NBFCs
  • Customer Response Time
  • Regulatory Requirements
  • External Factors Beyond Control

16. Website Content Disclaimer

While reasonable efforts are made to maintain accurate and updated information, CIBIL FIXER makes no representation or warranty regarding:

  • Accuracy
  • Completeness
  • Reliability
  • Availability
  • Timeliness

of information published on the website.

17. Technology & Communication Disclaimer

CIBIL FIXER shall not be responsible for interruptions, delays, failures or losses caused by:

  • Internet Failures
  • Server Downtime
  • Network Issues
  • Cyber Attacks
  • Technical Errors
  • Email Delivery Failures
  • Messaging Platform Failures
  • Software Failures

18. Third-Party Website Disclaimer

The website may contain links to third-party websites.

CIBIL FIXER does not control and is not responsible for the content, security, privacy practices, availability or services of third-party websites.

Users should review third-party policies independently.

19. Limitation of Reliance

Customers should not rely solely upon any information, report, analysis, recommendation or guidance provided by CIBIL FIXER when making important legal, financial, commercial or business decisions.

Independent verification is recommended.

20. Testimonials & Success Stories Disclaimer

Testimonials, reviews, case studies, customer feedback and success stories represent individual customer experiences.

Past performance, prior outcomes or previous customer results do not guarantee future results.

Results may vary depending upon:

  • Credit History
  • Repayment Behaviour
  • Existing Obligations
  • Lender Policies
  • Bureau Records
  • Individual Circumstances

21. Professional Services Disclaimer

Customers acknowledge that payments made to CIBIL FIXER are for:

  • Professional Consultation
  • Analysis
  • Assessment
  • Documentation Assistance
  • Administrative Efforts
  • Expertise
  • Advisory Support

Payments are not made in exchange for guaranteed results, guaranteed approvals or guaranteed score increases.

22. Limitation of Liability Disclaimer

To the maximum extent permitted by applicable law, CIBIL FIXER shall not be liable for:

  • Loan Rejections
  • Credit Card Rejections
  • Credit Score Changes
  • Bureau Decisions
  • Financial Losses
  • Business Losses
  • Loss of Opportunity
  • Indirect Damages
  • Consequential Damages
  • Third-Party Actions

23. Policy Updates

CIBIL FIXER reserves the right to modify, amend, update or replace this Disclaimer Policy at any time without prior notice.

Updated versions shall become effective upon publication.

24. Governing Law

This Disclaimer Policy shall be governed by and interpreted in accordance with the laws of India.

25. Jurisdiction

Any dispute arising from or relating to this Disclaimer Policy shall be subject to the exclusive jurisdiction of the competent courts located in Nagaur, Rajasthan.

26. Relationship With Other Policies

This Disclaimer Policy should be read together with:

  • Terms & Conditions
  • Privacy Policy
  • Refund & Cancellation Policy

In case of any inconsistency, the policy specifically governing the relevant subject matter shall prevail to the extent permitted by applicable law.

Customer Acknowledgement

By accessing the website, communicating with CIBIL FIXER, submitting documents, making payments or availing any service, the customer acknowledges and agrees that:

  • They have read and understood this Disclaimer Policy.
  • They understand that no specific result or outcome is guaranteed.
  • They understand that CIBIL FIXER provides consulting, analysis, education, guidance and documentation assistance services only.
  • They understand that final decisions remain with Credit Bureaus, Banks, NBFCs, Financial Institutions and other relevant authorities.
  • They agree to this Disclaimer Policy and all related policies of CIBIL FIXER.

These policies shall be read together with all other applicable policies, customer declarations, consent forms, invoices, quotations, service agreements and official communications issued by CIBIL FIXER.