By downloading, installing, or using the CreditBrahmastra application ("App", "Service"), you agree to be bound by these Terms. If you do not agree, do not use the App.
CreditBrahmastra is an AI-powered credit report analysis platform. It fetches credit bureau reports (CIBIL, Equifax, Experian, CRIF) via the Roopya bureau aggregator and provides health summaries, action plans, and dispute letter templates.
CreditBrahmastra is NOT a credit bureau, financial advisor, legal service provider, or affiliated with CIBIL, Equifax, Experian, or CRIF. Output is informational only.
| Plan | Price | Analyses / month |
|---|---|---|
| Free | ₹0 | 1 |
| Pro | ₹199 / month | Unlimited |
| Brahmastra | ₹999 / month | Unlimited + priority support |
A 7-day free trial is available for Pro. A ₹2 UPI autopay mandate is registered at trial start (verification charge, non-refundable). After 7 days you will be charged the full plan amount automatically.
| Scenario | Refund |
|---|---|
| ₹2 trial mandate charge | Not refundable |
| Duplicate charge due to technical error | Full refund within 5–7 business days |
| Charged after trial, cancelled before renewal | Case-by-case within 7 days — email legal@creditbrahmastra.com |
| Dissatisfied with service quality | At our discretion if reported within 48 hours of charge |
You agree NOT to: use the service for fraud or identity theft; attempt to reverse-engineer our AI or API; make automated bulk API requests; share your account; use generated letters to make false claims; or resell our analysis output commercially.
Fetching a live bureau report costs ₹8 (soft pull) or ₹47 (hard pull) per bureau, charged to your account balance. Cached results (within 28 days) are free. Soft pulls do not affect your credit score.
THE SERVICE IS PROVIDED "AS IS". We do not warrant that AI analysis is accurate or error-free, that dispute letters will be accepted by bureaus or lenders, or that following our action plan will improve your credit score.
To the maximum extent permitted by law, CreditBrahmastra shall not be liable for indirect, incidental, or consequential damages, or any amount exceeding subscription fees paid in the 3 months preceding the claim.
These Terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of courts in India. Before initiating legal proceedings, contact legal@creditbrahmastra.com — we aim to resolve disputes within 30 days.
CreditBrahmastra
Email: legal@creditbrahmastra.com
Website: creditbrahmastra.com