Solviser

Last updated: September 01, 2025

This document establishes the terms and conditions (hereinafter referred to as “Terms”) that govern the relationship between Solviser India Private Limited. (operating under the brand names “COMPANY” and the users of its platform. These Terms are subject to amendments and additions from time to time and will apply to the provision of a variety of services offered by Company. These services include but are not limited to:

Terms of Service: All associated services are provided under the Company name and must always be used in accordance with that designation.

Definitions

Customer: A customer refers to any business, partnership firm, proprietorship, organization, body corporate, or company that is registered under the Goods and Services Tax (GST) and possesses a valid GST number. This entity engages in transactions related to any products or services. The terms “I,” “We,” “Us,” “Me,” “My,” “Myself,” “Customer,” and “Consumer” refer to any person(s) or entities that are customers of Company, using its Products and Services. These include individuals or legal entities who:

Request, obtain, or make use of Company Credit Information Reports,
Engage in any financial transactions on the platform,
Or make use of any part of the services offered by Company.

These terms apply to both singular and plural forms. Additionally, any reference to the masculine gender will automatically include the feminine and neutral genders, as well as any legal entities such as companies and organizations.

These services are made available to a variety of legal entities, including:

Proprietorship firms
Partnership firms
Companies/Organizations (as defined under Section 2 of the Companies Act, 2013)
Body Corporates (as defined under Section 2(11) of the Companies Act, 2013)
Any other institution that holds a valid GST number
And specifically, MSMEs (Micro, Small, and Medium Enterprises) that also possess a GST number

These entities, which are eligible to use the Company platform, are hereinafter collectively referred to as “Products and Services” beneficiaries, in accordance with applicable laws.

Company: Throughout this document, the terms “Company,” “The Company,” “Companies” and “Platform”, “Portal” will always refer to Company itself, i.e., Solviser India Private Limited. and its associated services.

Defaulter buyer party: The party reported by the customer for outstanding amounts refers to any business, partnership firm, organization, proprietorship, or company, including its director or owner.

Relationship Manager: Each customer who purchases a subscription plan and successfully signs the service agreement will be assigned a dedicated Relationship Manager. This manager will act on behalf of the customer to ensure their needs are met effectively. Customers can access the details of their Relationship Manager, including their name and contact number, through a dedicated customer’s self-care login portal. In the event that a customer’s Relationship Manager changes, updated details will be provided through the customer’s self-care portal to ensure seamless communication and support.

Subscription Services: Our Platform offers subscription plans that enable businesses to avail Company services, and businesses are at liberty to choose from various subscription plans according to their associated services i.e. to (purchase subscription plans, renew subscription plan, add business, renew add business and upgrade of subscription plan).

Company Credit Information Reports (Company CIRs): These are detailed reports about the creditworthiness of businesses, hereinafter collectively referred to as “Credit Reports.”

Business Credit Management: Company provides tools and services for businesses to effectively manage their credit transactions and provide reminder services through various means and processes under this service.

Settlement Services: These are services designed to assist businesses in settling outstanding debts or disputes related to credit transactions in business.

Wallet Management Services: Company also provides wallet management services through which businesses can avail of a variety of services as per their convenience. The wallet service offered by Company can be subject to changes as per their sole discretion.

Duration of Service Agreement: The duration of the Service Agreement will align with the subscription plan selected and purchased by the business. This means that the agreement will remain in effect for the entire length of the purchased subscription.

Reporting Defaulters: Businesses may report a defaulter in their account only after successfully signing the service agreement and completing all necessary formalities.

Limitation of Use: Customers understand that the usage of the platform is limited to availing the services solely for the subscription purchased. If he does not renew the subscription before the end date, he will be transitioned to the basic plan and can use the services the services of basic plan only. He cannot use the other services until the subscription is renewed.

Old Service Agreement: “The old service agreement will remain in effect until the introduction of the new service agreement, which will take effect from 1-Nov-2024.”

Acceptance of Terms and Conditions

This document, along with its terms and conditions, covers the use of the Company website and its services. By accessing, using, or registering on the Company platform, I/We agree to abide by Company’s Terms and Conditions. This includes all terms and policies regarding the use of the website, services, and products, which may be updated periodically to reflect changes in the platform or its services or introduce new services.

By accepting these Terms, I/We acknowledge and accept their responsibilities and obligations when using the services offered by Company, including but not limited to proper reporting, fair use of credit information, and adherence to applicable laws and regulations governing business credit transactions.

This overview is designed to provide a broad understanding of the scope of services offered by Company, along with the legal framework that governs their use. All users are advised to read the detailed terms and conditions on the Company website for comprehensive guidance on the policies governing their interactions with Company.

I/We hereby accept the following terms and conditions, acknowledging that they may be modified from time to time.

(II) Company Services

Companies aim to assist MSMEs in addressing challenges related to Business Credit Defaulters. To tackle this issue, the company offers a range of services, which may evolve or expand over time with the introduction of new services or modifications to existing ones. All current, future, and amended services will be part of Company and are governed by these terms and conditions.

1. Subscription

a) Purchase of subscription

In order to utilize the services offered through the platform, customers must first purchase a subscription plan, which can be selected from the options provided on the company’s website and after carefully understanding and reviewing different benefits that are associated with different subscription plans, businesses are at liberty choose that subscription plan which is best for them. The company retains full discretion to modify various aspects of these subscription plans, including but not limited to the plan’s pricing, name, duration, and the specific benefits associated with each plan. These changes may be made periodically to reflect updates in services or market conditions. Once such modifications are implemented, the updated version of the subscription plan will be applicable to the customer for any future services they access.

b) Addition of Multiple Business

If a customer operates multiple businesses, there is no need to purchase separate subscription plans for each business. Instead, the customer can use the “Add Business” feature, which allows them to manage and monitor all of their businesses from a single registered account. This simplifies the process by providing a consolidated view of all business credit activities and reports under one account. The pricing for adding additional businesses is available in a dedicated section on the membership page. This feature is designed to be flexible, allowing customers to expand their business management capabilities without having to manage separate plans for each entity. The company reserves the right to modify the pricing, duration, and specific benefits associated with the “Add Business” feature.

2. Payment Modes & Terms

a) For subscription or other services

The charges for the subscription or credit report or any other Services shall be as stipulated by the Company from time to time and I/we agree to pay the same. The charges for any Products and Services may be amended by the Company from time to time subject to applicable laws.
I/We acknowledge and agree that the charges as specified above are the cost of a subscription/ Report or other Products and Services, as may be applicable and other charges including any delivery charges, payment gateway charges and taxes and other duties which shall be payable by me/us, as applicable and prescribed by Company relating to costs that Company may incur for the purposes of facilitating me/us in the payment mechanism and in getting my/our Report or other Products and Services will be mailed at my given email id.
I/We acknowledge and agree that the paid subscription purchased by me is valid for a specific duration and after the expiry of that duration, I will have to renew the subscription again if I wish to continue the benefits of the Paid Subscription. If I don’t renew my Subscription, Company can change my subscription back to the Basic plan.
I/We understand that the payment gateway & net-banking channels may not belong to Company & agree to abide by the rules & regulations & terms prescribed by such third party in the process of facilitating my/our payment through the said payment gateway & net-banking channels.
I/We understand that unless complete and full payment along with submission of the required documents is made by me/us, Company shall not be obliged to process or issue any Credit Information Report to me/us.
I/We authorize Company to save my personal & professional info like Mobile No., Email Id etc. in their Database. Also, I/We authorize Company to use these details for Marketing Purposes.
Payment through Net Banking: I/We understand that a payment of the stipulated charges for Reports and/or Products and Services may be made through my/our Net Banking channel.
Payment through Demand Draft: I/We understand that for any payment for the Products and Services through a DD (i.e., Demand Draft) for the stipulated charges for the Products and Services in favor of ‘Solviser India Private Limited.’ payable at Jaipur has to be sent at the Processing Address: Solviser India Private Limited. 8/14, Vaishali Nagar, Jaipur, Rajasthan 302021.
Payment through Credit Cards/Debit Cards/UPI and or other online payment modes: I/We understand that any payment for the Products and Services through my/our VISA or MASTERCARD or other service provider (as provided by the Payment Gateway Merchant) Credit Card or Debit Card/UPI and or other online payment modes as the case may be, can be made.

b) Terms of Payment

Charges for Subscription /Credit Information Report/Wallet Recharge: I/We agree to pay such amount as stipulated by Company for my subscription / Credit Information Report/Wallet Recharge. The charges are inclusive of handling fees, payment gateway charges (if any).
Charges for other Services: I/We agree to pay the charges for Products and Services as stipulated by Company and understand that such charges for Products and Services are exclusive of delivery charges and applicable taxes & levies, and we agree to pay such additional amounts as may be stipulated by Company towards the delivery charges and taxes and levies.
If the payment is made through Credit Card or Debit Card/UPI or any other online payment mode:
- I/We represent that the Credit Card or Debit Card/online UPI payment mode used by me/us to make payment herein, is my/us own Credit Card or Debit Card or I/we have full authority and permission to use the same to make payment herein.
- Processing of the Request Form shall take place only after Company realizes the payment through from the Credit Card/Debit Card payment gateway merchant for the full amount. In the event there is any error in the payment of the full amount through this mode, the relevant Request Form shall not be processed.
- In the event payment is made more than once for the same transaction, I/we understand that I am/ We are required to email Company at support@Solviser.in or WhatsApp Company at customer support 8504862035 such other number as Company may intimate on its Website/s (Solviser.com) from time to time and inform Company for the same. Upon request by Company, I/we shall provide the relevant reference number from the issuing bank or financial institution providing net banking services or issuing the Credit Card/Debit Card, as the case may be, in order to reverse such duplicate payment. I/We understand such reversals shall be made to the same account from which payment was made or the same Credit Card/Debit Card from which payment was made, as the case may be, and that Company shall make its best endeavours to refund the paid amount/deducted amount after the expiry of at least 6 (six) working days.
If the payment is made through DD:
- The DD should clearly state the name as mentioned above without any spelling mistakes and should be payable at Jaipur.
- Processing of the Request Form shall take place only after the Company realizes the payment through the DD for the full amount. In the event there is any error of any nature in the DD, the relevant Request Form shall not be processed unless a fresh DD for the requisite amount as stated above is sent to Company at the Processing Address with all other details as required herein. Further, I/we acknowledge and understand that the DD which contains the error shall not be returned to us and will be destroyed by the Company with intimation to me by way of an email/SMS/post.
If the payment is made through net banking facilities:
- I/We shall use only my/our own net banking account details to transact on this Website or have full authority and permission to use the net banking account to make payment as required herein.
- The processing of the Request Form will only begin once Company has received a confirmed receipt from the customer of the full payment through the net-banking payment gateway, along with a successful transaction reference number. If there is any error with the payment amount, the Request Form will not be processed.
- Company shall not be liable in any manner whatsoever for any fraud that may be committed on my/our net banking account or my Credit Card/Debit Card/or usage of UPI payment mode, as the case may be, whether due to loss or theft or otherwise.
- The required payment gateway for enabling net banking services or Credit Card/Debit Card could be affected by viruses or other malicious, destructive or corrupting code, program or macro. This could result in delays in the processing of instructions or failure in the processing of instructions. Company shall not be liable, whether direct or indirect, whether arising out of loss or profit or otherwise arising out of any failure or inability by the relevant bank or financial institution to honour any customer instruction for whatsoever reason.
- I/We understand that the Net Banking channel is available only if I/we have a bank account with net banking transaction facility enabled exclusively from dedicated net banking website of concerned bank with my/our bank or financial institution from where the said amount will be directly debited from my/our account with my/our instructions and valid authentication along with proper credentials and such facility is available only if I/ we hold an account with the banks as maybe provided by payment gateway merchant and/or Company , from time to time.

3. Signing of Agreement & Authority Letter

Once a subscription is purchased, it is mandatory for the customer to sign both the Service Agreement and the Authority Letter in order to move forward with the services. These documents serve as formal consent and authorization, ensuring that the Company can take the necessary actions on behalf of the customer. By signing the Agreement and Authority Letter, the customer explicitly agrees to and authorizes the Company to take follow-up actions and send reminders to the businesses or director(s), an individual who has been reported as a defaulter. This includes frequent communication with the defaulter to encourage the settlement of outstanding dues. Additionally, through these signed documents, the customer provides consent for the Company to issue legal notices, either in physical form (RPAD) or as e-notices, to the reported defaulter party. This legal communication is an important step in addressing defaults and pursuing remedies under the law. All specific instructions, guidelines, and details regarding the customer’s responsibilities, the scope of the Company’s authority, and the process for handling defaulter parties are outlined in detail within the Agreement and the Authority Letter. Customers are advised to review these documents carefully to fully understand the terms before proceeding.

4. Wallet Management

The company provides businesses with an exclusive facility/service of digital wallet management which the businesses can use for availing various services by redeeming the available wallet points which are offered by the Company.

a) Wallet points Allocation

The Customer will receive specified wallet points based on their chosen subscription plan/Add business/renew add business/renew subscription/upgrade plan. This amount is intended to be used within the scope of the services provided under the subscription chosen by the customer.

b) Utilization of Wallet Points

Once activated, the Customer can use the Wallet Points for generating a Credit Information Report (CIR) and for payment of settlement charges when the settlement of the reported amount is done with their reported defaulter payment, the settlement charges are applicable as outlined in their subscription plan.

c) Renewals and Upgrades

When the Customer renews their subscription or upgrades their plan, they will be credited with additional Wallet Points as part of the updated or improved plan services, as per the companies’ terms of service.

d) Impact of Subscription Plan Upgrades on Wallet Points Services

In the event that a supplier elects to upgrade their subscription plan, the allocation and management of wallet points associated with the customer’s account shall be governed by an algorithm employed by Solviser. This algorithm shall determine the number of wallet points to be credited to the customer’s wallet as a result of the subscription plan upgrade. The customer acknowledges and agrees that the calculation of wallet points in connection with the plan upgrade will be solely based on the aforementioned algorithm and that Solviser reserves the right to modify or adjust the algorithm at its discretion in accordance with its business practices and policies.

e) Wallet Recharge

After utilizing the initial wallet points, the Customer has the option to recharge their wallet with additional wallet points as and when needed to continue accessing services or benefits.

f) Cashback Policy

Any cashback earned will be added to the Customer’s wallet, providing additional funds for future use in Company services.

g) Wallet points Carry Forward

Each time the subscription is renewed, the Customer’s wallet will be credited with wallet points as per the associated subscription plan, and any remaining wallet points from previous subscription plan will be carried forward and available for use.

h) Merged Wallet for Multiple Businesses

If the customer purchases more than one subscription for adding the business firm, then all the existing Wallet Points as well as newly created Wallet Points are merged together as “one single existing wallet” for the customer’s convenience and ease of use.

i) Agreement Requirement for Wallet Points Activation

For every new subscription, addition of a business, or renewal of an existing subscription or add business, the Customer is required to sign the relevant agreement to activate the wallet points. This process ensures that the Wallet Points are properly allocated and managed according to the prevailing terms and conditions.

j) Wallet Refund

After purchasing the subscription, adding a business, or renewal of an existing business, add a business, or upgrading the business, the wallet will be credited with some initial points as per the terms of the service. Wallet points are non-accruable, non-transferable, and non-refundable.

5. Amendment of Subscription

I/We understand that Company reserves the right to set the time duration of subscription plans and can amend it from time to time.

a) Cessation of Subscription Services and associated benefits

Service Suspension upon Exhaustion of Wallet Points: In the event that the customer exhausts all wallet points available for use, including the Reserved Points, the provision of services by Solviser shall be immediately suspended. To resume use of the services, the customer shall be required to replenish their wallet by recharging the necessary points. The customer acknowledges and agrees that failure to recharge the wallet will result in the cessation of services.

The cessation of services that are offered under the purchased subscription plan is categorized into the following kinds of customers:

Cessation of service for New customers of Company

The cessation of subscription services and associated benefits for (newly registered businesses) is subject to the following terms and conditions:

For New Customers i.e. partnership firm’s/proprietorship firms/companies/Organizations/body corporates/or any other institution that holds a valid GST number and; specifically, MSMEs (Micro, Small, and Medium Enterprises) that also possess a GST number.
New customers who have purchased a subscription plan from the Company but have not signed the service agreement will not be entitled to the services of the subscription plan, except for preliminary services (basic plan).
If the time period of the subscription plan lapses, the service agreement will be immediately repudiated, and all associated services described within it will be withdrawn. After the subscription plan expires, the customer will be transitioned to the basic (introductory) plan.
Add Business with GSTN Fetching: I/We acknowledge and agree that the Company can retrieve my/our company details to register my/our entity on the COMPANY platform.
Saving The Bank Details: I/We acknowledge and agree that COMPANY may store the bank details provided by me/us during registration for the purpose of processing cash back or for any other purposes.
Settlement Charges to be paid from Wallet: If the reported defaulter amount is settled, the customer has a liability to pay the settlement charges to the Company from their digital wallet. In the event that a customer fails to mark the settlement, Solviser may take follow-up actions and can also report such customer’s as defaulter for non-payment.
Promo Code Policy: I/We understand that promo codes are special offers and cannot be claimed as entitlements. The company reserves the right to withdraw promo codes at any time.

Cessation of service for existing customers of Company

The cessation of subscription services and associated benefits for (earlier registered businesses) registered (only) under the Company is subject to the following terms and conditions:

For existing customers of the Company who refuse to sign the service agreement but are subject to certain preliminary services (basic plan) that are offered by the Company.
Customers who have successfully purchased subscription plans but refuse to sign the new service agreement will not be entitled to the associated services and will be entitled to preliminary services of an introductory (basic) plan.
Add business with GSTN Fetching: I/We consent to Company accessing my/our business and personal details from the GSTN/CIN/PAN number portal for the purpose of registering on the Company platform.
Saving Bank Details: I/We agree that Company may retain the bank details provided during registration for cashback or any other purpose.
Promo Code Policy: I/We understand that promo codes cannot be claimed, and Company reserves the right to withdraw them at any time.

Cessation of service for existing customers of MSMESOLVISER

The cessation of subscription services and associated benefits for (earlier registered businesses) registered under MSMESOLVISER is subject to following terms and conditions:

For existing customers who had earlier purchased a subscription plan from the Company and have availed of the services of MSMESOLVISER but refuse to sign the new service agreement.
Customers who refuse to sign the enhanced service agreement will not be entitled to the updated services but will be governed by the terms of the previous service agreement (Until the expiration of Old Agreement).
If the reported defaulter amount is settled, the customer has liability to pay the settlement charges to the Company.
If payment is settled but the subscription has expired, it is necessary to renew the subscription to reflect the settlement on your Company account.
Add Business with GSTN Fetching: I/We acknowledge and agree that Company can retrieve my/our company details for the purpose of registering my/our entity on the Company.
Saving The Bank Details: I/We acknowledge and agree that COMPANY may store the bank details for the purpose of processing cash back and for any other purposes/uses.
Promo Code Policy: I/We understand that promo codes are special offers and cannot be claimed as entitlements. COMPANY reserves the right to withdraw them at any time.

6. Promo codes Policy

At Company, we strive to offer value to our customers through promotional codes. To ensure transparency and fairness, the following terms and conditions apply to the use of promo codes on our platform. By using a promo code, customers agree to these terms and conditions.

a) Eligibility and Use

Promo codes are available for a limited time and may be subject to eligibility criteria.
Each promo code is limited to one use per customer unless otherwise specified.
Promo codes can only be used for purchases made directly through our official website.
Promo codes cannot be combined with any other offers unless explicitly stated.

b) Validity and Expiry

Each promo code has an expiration date. Once expired, they cannot be reactivated.
Company reserves the right to cancel or modify the promo code at any time without prior notice.

c) Non-Transferable and Non-Refundable

Promo codes are non-transferable and must be used by the original recipient.
Promo codes hold no monetary value and cannot be redeemed for cash or credit.

d) Limitations and Restrictions

Some promo codes may have minimum order value requirements.
Promo codes may not apply to taxes, shipping, or additional charges.

e) Promo Code Misuse

Any attempt to misuse the promo code system may result in cancellation of the promo code and forfeiture of benefits.

f) Changes to Promo Code Policy

Company reserves the right to modify or update this promo code policy at any time without prior notice.

7. Referral Discounts & Cash Back

The company values the loyalty of our customers and encourages them to refer others. The company reserves the right to modify or cancel the referral program at any time. The customer agrees and gives his acceptance of below terms and conditions:

Referrers must be existing customers, and referees must be new customers who make a qualifying purchase.
Referrers earn a discount for future purchases after a successful referral.
New customers (referees) receive a discount or cashback on their first qualifying purchase.
Referral discounts and cashback can’t be combined with other offers.
Fraudulent activity will lead to disqualification and loss of rewards.
Cashback will be reflected in the customer’s wallet in the form of points.

8. Deactivation of Company Account

On the Company, customers can deactivate their accounts at any time. At the time of deactivation, the customer agrees that the mentioned actions are triggered automatically:

Settlement of Defaulting Parties: All Defaulter buyer parties that were previously reported will be marked as fully settled.
Notification to Defaulters: Defaulters will receive an email informing them that their default status has been changed to fully settled.
Wallet points reset: The wallet points associated with the account will be reset to zero and forfeited.
Impact of Subscription Plan: Your Subscription plan will reset to basic.

9. Business Credit Management (BCM)

Business Credit Management (BCM) is an exclusive service provided by the Company at no additional fees or charges. We reserve the right to modify, withdraw, or discontinue the BCM service at our discretion.

Definition of supplier: “Supplier” is the party/partnership firm/company/organization or any other institution that has been registered under Goods and Services Tax (GST) and has a proper and validated GST number, the sole purpose of which is to supply the goods or services.

Definition of buyer: “Buyer” means the party /partnership firm/company/organization or any other institution that has been registered under Goods and Services Tax (GST) and has a proper and validated GST number, the sole purpose of which is to purchase the goods or services.

a) Terms and Conditions of BCM

When a supplier/customer integrates his accounting software with Company portal, agrees to share all the data related to his/her/entity accounting software with Company and allows to Company for storing all the data on its portal. The customer is fully responsible for the actuality and authenticity of data that will be fetched with Company. If any mistake has occurred in the process of uploading/fetching, the supplier bears full responsibility.

b) Upload documents/invoices for credit management services

When a supplier uploads the documents as required by Company T&C to report a business transaction, he/she is fully responsible for uploading the documents. If any mistake has occurred, the total responsibility of such action is for the supplier.

c) Invoice Auto Sharing

Upon integrating the accounting software, the customer agrees to share their invoices with the buyer party through Company portal via email or a shared link.

d) Reminder & Follow-up Services

By connecting the accounting software, the customer authorizes automatic data transfer. Reminders and follow-ups will be automatically sent to the buyer through SMS, email, and WhatsApp. If a due date is not provided, follow-ups will trigger after 45 days of the invoice date.

10. Reporting of Defaulters

The registered customers who have successfully purchased the subscription plan and signed the Agreement and Authority letter, can report their defaulters through self-care portal. The customer need to possess certain necessary documents for the process of reporting their parties as defaulters on Company portal.

a) Upload documents & addition of a party as a defaulter:

A “Defaulter” refers to any party with a GST/PAN number that fails to pay for goods and services. The Supplier may report a party as a defaulter only after signing the service agreement. When a supplier uploads documents, he is fully responsible for them. The Customer agrees that the Company can fetch the defaulter party director’s PAN number at the time of reporting.

b) Additional Contact Details in the Defaulter Buyer Party List:

Customers have the option to add extra contact details to the defaulters list. However, the responsibility for ensuring the accuracy and validity of the contact details provided rests solely with the customer. Solviser will not be held accountable for any errors or inaccuracies. After adding, those details cannot be amended or removed.

c) Declaration of Defaulter

The company is not responsible for any defaulter proved by the supplier. The company is only giving the credit information report according to uploaded documents by the registered customers. The company has no responsibility for any legal or non-legal issues created by both parties (Defaulter or Supplier).

d) Sending intimation to Buyer Party

I/We authorize Solviser to send emails, SMS, WhatsApp, IVR calls for taking follow-ups. If the due date is not mentioned in the invoice the portal will automatically calculate 45 days from the invoice creation date. If any disputes arise by sending reminders, the supplier party will be responsible.

e) Sending communications to defaulter party

I/We authorize Solviser to send emails, SMS, WhatsApp, IVR calls and legal notices to the defaulter party reported by me on their behalf. The whole responsibility of any grievance or legal matters will be borne by me.

f) Legal Assistance

Legal assistance refers to help provided by a legal professional. By agreeing to these terms, the customer acknowledges and grants us the authority to issue formal communications with their buyer party, including E-Notices or physical notices. The company can fetch the director’s data through the GST/CIN number and send legal notices. The customer assumes full responsibility for any discrepancies in the information provided.

g) Removal of Defaulters

The Company reserves the right to remove the defaulter buyer party under certain conditions, such as orders from a court, proof of non-default, cancellation of GST number, or settlement of payment.

11. Credit Information Report

A Credit Information Report (CIR) is a comprehensive document that provides details about an individual’s or business’s credit history.

a) Request for Submission for CIR

I/We understand that all applications for the Credit information Report/s Credit Management services or any Services shall be provided by the Company only on the submission by me/us of the duly completed request forms. I/we agree that all documents provided are valid and not expired. I/We understand that if due to the provision of wrong or incomplete information an incorrect Report is received, Company shall in no manner be responsible for the same and any subsequent request for a fresh Report shall be treated as a fresh request and application and hence shall be charged accordingly.

General Terms for the CIR

I/We agree that these Terms constitute the entire agreement between myself/ourselves and Company. I/We agree and understand that any information contained in the Reports has been collated by the Company based on the information provided by its various customers (Members). Consequently, Company shall not be responsible for the accuracy, completeness, and authenticity of any such information as provided. The provision of the Reports and the Products and Services shall be limited to the territory of India. Company shall have the right to terminate provision of the Report/s and/or the Products and Services or any part thereof, at its sole discretion at any time. Company reserves the right to initiate legal proceedings against the perpetrators of fraud, money laundering or any other form of wrongdoing.

a) Rejection of Request Form

An ‘inadequacy in the Request Form’ would have taken place, including but not limited to, any of the following reasons: invalid documents, incorrect DD details, online payment failure, or information mismatch.

b) Authenticity of The Credit Information report

The CIR generated by Company serves as a reliable document that showcases the past credit history of the requested party. A CIR that is free of deficiencies indicates a strong credit history, suggesting that the buyer is likely to meet their financial obligations. By reviewing a CIR, businesses can make more informed decisions about extending credit or engaging in financial agreements with potential buyers, ultimately minimizing risk and fostering trust.

12. Settlement Services

Customers who did not sign the previous (old) service agreement but are willing to sign the new and improved service agreement will be governed by the terms and conditions outlined in the new agreement. Their settlements regarding reported defaulters will be managed using wallet management services. “The Company will provide settlement services to Solviser customers upon your request who already signed the old service agreement but refuse to sign the new service agreement, this service is optional; if you express interest, the Company will proceed to offer the settlement services.

a) Services associated with settlement:

The Company shall also provide settlement services through Solviser as and when requested by You. This is an optional service. You agree and acknowledge that the Settlement services shall be provided by Company directly or through third-party service providers. We reserve the right to cancel the provision of Settlement services to you at any time.

b) Legal Advisory:

I/We consent to receive legal advisory services from the Company concerning both, defaulters listed on the platform and those not listed. I/We accept full responsibility for the advice provided and acknowledge that Company is not liable for any consequences arising from this advice.

c) Charges:

Company shall charge as per percentage of any amount successfully settled based on the agreement signed by the customer. The charges shall be subject to applicable taxes. If the Defaulter buyer party directly pays the defaulted amount, the Customer agrees to pay the Settlement Charge directly to the company account.

d) Deactivation of Settlement Services

For deactivation, please contact us via the “Contact Us” link. Requests for cancellation received later than 3 business days before the end of the current service period will be treated as cancellations for the next service period. Company reserves the right to charge a cancellation fee.

e) Representation and Warranties Specific to Settlement services:

You represent and warrant that the request being raised pertains to a genuine, valid, and lawful transaction. You agree that Company shall reserve the right to decide whether any transaction is possibly unlawful and can refuse to provide the Settlement services. You agree that we can follow up with you via calls, SMS, Emails, etc., regarding the Settlement charges.

f) Consent of Defaulter Buyer Party’s

To avail of the Services, you hereby represent that you are authorized to the following and therefore, you authorize the Company accordingly: to share the Defaulter buyer party’s information with authorized persons; to make calls and other communications with the Defaulter buyer party; to take steps as permissible under law for the settlement of dues.

g) Disclaimers Regarding the Settlement services

You further agree that you shall not hold us liable or make us party to any dispute between you and any other party. We will only provide the Settlement services based on instructions provided by you and we disclaim all liability with regard to the same.

h) Indemnity

Each User agrees to indemnify Company from any damages, losses, claims, and liabilities which may arise from your submission of any content, your use of the Platform, or your breach of the Terms.

i) Payments Using the Platform

While availing any of the payment methods available on the Platform, Company will not be responsible for any loss or damage arising from reasons not directly attributable to us, such as lack of authorization, payment issues, or decline of transaction. You hereby agree to provide accurate payment information and warrant that you shall not use any payment instrument that is not lawfully owned by you.

13. Company Market Policy

Company Market Place is an online platform that enables a Proprietorship/ partnership firm/company/organization or any other institution that has the GST number, to view and choose from multiple offers across products.

a) I/We acknowledge and consent to:

Receiving the products and services offered to various Members of Company on the Company Website.
Submitting my/our data to the Member on the Website to enable them to send offers and contact me/us.
Expressly waive any and all rights available to me/us under the Telecom Commercial Communications Customer Preference Regulations, 2010 (TCCCPR 2010).

b) I/We shall not hold Company and/or any of its technical service providers responsible for:

delivery of my information to the Selected Credit report;
any use, modification or disclosure by the Selected Credit report of my information; and
any breach of confidentiality or privacy in relation to delivery of my information by the Selected Credit report.

c) I/We further acknowledge and accept:

Company has not made any promises or representations to me/us to induce my/our consent.
All right, title and interest on and related to the Site is owned by Company and/or its affiliates.
The implementation of the end use policy of the Selected Credit report, if any, is solely the responsibility of the Selected Credit report.

d) Third Party Websites

To the extent that this Website contains links to third party websites, Company does not assume any responsibility for the content of, technology implemented by, or privacy practices adopted by such third-party sites.

e) Release of Liability

I/We irrevocably, unconditionally and entirely release, waive and forever discharge Company from any and all manner of liabilities, claims and demands with respect to grant of my/our consent in relation to disclosure of my/our information.

14. Customer Referral Terms

Eligibility: To become eligible for Company referral program (“REFFERAL CODE CASHBACK”), you must be a registered customer of the Company. Referral Cash back: A customer will earn referral cash back as decided by Company from time to time, on the amount paid by a subscriber to Company as registration fee by using “you” or “your” referral Code.

15. Partner with Company Policy

COMPANY has below mention loyalty program:

a) Partner Program:

Channel Partner (CP): Eligibility: To become eligible for COMPANY’s Channel Partner you must be registered as CP on Company Platform. Referral Income program: CP will earn specified Income, as decided by Company from time to time, on the amount paid by a subscriber to Company by using the referral code of “your registered professional”.
Professional: Eligibility: Any professional being CA/CS/ICWA/Lawyers, or any professional specified by Company can associate itself as professional partner with Company. Referral Income program: Professional will earn specified income, as decided by Company from time to time, on the amount paid by a subscriber (for membership & CIR fee) to Company and on successful addition of defaulter on Company Platform using the professional referral code.

b) Withdrawal of Loyalty Program

Company reserves the right to withdraw any loyalty program at any time and/or modify the terms and conditions for any referral code cash back and referral code income program for CP and professional without any prior intimation. No one has legal right to claim any benefits under loyalty program.

16. Raising a Grievance Against Any Information

A grievance request can be raised by subscriber/defaulter by visiting Company website/s (Solviser.com). Company will initiate verification against the grievance and will notify appropriately. I/we agree and understand that Company may suspend any or all of the services and/or Transaction mentioned herein.

17. Delivery of Reports and Other Services

a) The Report/s shall be delivered to the registered email address given at the time of registration. Company shall not be responsible for any lost mail, or any damage caused by during dispatch.

b) I/We understand and agree that in case I/we provide an email address for delivery, the Company shall not be responsible for the correctness of the email ID.

c) The Report/s shall be dispatched only once. If I/we want such reports again, a new application shall be required.

d) A maximum of 5 (five) working days from the date of submission of the request shall be required to process a Request Form by Company.

18. Refund Policy

Amounts paid through the payment gateway are non-refundable, and transactions cannot be cancelled, except under the following circumstances:

a) I/We acknowledge that any payments made are non-refundable. The customer cannot claim any fees paid as a matter of right.
b) In the event a request is not valid, or if it is rejected by Company, charges shall not be refunded.
c) Only for reasons decided by Company at its sole discretion, Company shall refund payments after deducting processing charges.
d) In case of a verified fraudulent transaction.
e) In the event of technical issues resulting in a duplicate transaction.
f) If you report a defaulter and complete the consent process within 30 days of purchasing the subscription plan, you will be eligible for a refund for the MSMESOLVISER service.
g) No refund would be entertained for work already completed.
h) No refund will be entertained in case the service gets cancelled for any infringement of the terms.
i) Company may discontinue providing access to the Services at any time.
j) The refund will adjust with the first settlement charges paid by you to Company.

However, Company reserves the right to cancel the refund policy or set the eligibility criteria for getting a refund by you at any time.

19. Disclaimer and Limitation of Liability

a) I/We acknowledge that Company is acting as a facilitator and does not warrant that the functions of the Website/s will be uninterrupted or error free.

b) In no event shall Company be liable for any direct, indirect, punitive, incidental, special, consequential damages or any other damages.

c) I/We acknowledge that Company shall not be responsible and disclaims all responsibilities for any claim, liability, or damage resulting from the use of the Report/s, the Website, or any third party websites.

d) I/We agree that I/we shall not hold Company liable for non-availability of its Website.

e) I/We understand that no information shall be provided by me/us vide telephone or in person or vide e-mail excluding the document relating to Identity Proof or Address Proof.

f) The respective Report/s and/or Products and Services shall have their disclaimers. I agree, acknowledge and accept the same.

g) Company does not declare any person as “Defaulter” on its own basis. Defaulter is added by its member and Company displays “as is” basis.

20. Severability

If any provision of these Terms is declared by any judicial or other competent authority to be void, voidable, illegal or otherwise unenforceable, Company shall have the right to amend that provision or it may be severed from this Agreement and the remaining provisions shall remain in full force.

21. Variation in Privacy Policy

In furtherance of these Terms and subject to applicable laws, I/we understand that Company reserves the right to issue further directions which shall apply to me/us from, time to time. All alterations to these Terms shall be made by Company with an intimation on its Website.

22. Indemnification

I/We agree to defend, indemnify, and hold harmless Company from and against any and all loss, damage, liability, claim, demand, suit, cost and expense resulting from: (i) breach by me/us of any these Terms; (ii) claims made against Company by third parties.

23. Transfer of Rights

I/We shall not assign or transfer any of my rights and/or obligations in relation to the transaction contemplated herein under or pursuant to these Terms to any other person.

24. Governing Law, Jurisdiction and Arbitration

These Terms are governed by and are subject to Indian laws. “In the event of any claim, dispute, or difference arising from these Terms, such matters shall be referred to civil or criminal proceedings conducted in the courts of Jaipur, as determined by the Company.”

25. Miscellaneous

I/We hereby confer Company with the right to use any data and information provided by me/us with the Request Forms in any manner including for any purpose stipulated by Company. I/We understand that by providing my/our mobile number and email address, I/we have assented to receiving SMS/Email and calls from Company.

Force Majeure

Company shall not be liable for any failure to perform any of its obligations if the performance is prevented, hindered or delayed by a Force Majeure Event including, without limitation, unavailability of any communication system, breach or virus in the systems, fire, flood, explosion, acts of God, civil commotion, riots, insurrection, war, lockdown acts of government or acts of third party(ies).

Disclaimer

This term & conditions does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you in search results. This term and conditions do not cover the information practices of other companies and organizations who advertise our services.

Terms and Conditions