Financial Services Disclosures

1. Services available on myScorr

myScorr is a digital credit intelligence platform that enables users to:

• Check their real credit score and full report, sourced from our credit bureau partner via a soft enquiry;
• Receive AI-ranked insights and a personalised improvement plan;
• Monitor their score over time through myScorr Plus;
• Discover and apply for personal loans, business loans and credit cards through our lending and card partners;
• Discover and open bank accounts through our banking partners;
• Analyse bank and UPI statements for tamper checks, income verification and spend insights.

2. Important: myScorr is not a lender

myScorr does not:

• underwrite loan or credit card applications;
• approve or reject applications as a lender or issuer;
• determine interest rates, fees or pricing;
• execute loan or account agreements as a lender or bank; or
• disburse funds or assume credit risk.

Our role is limited to technology enablement, marketplace facilitation, referral and application assistance. myScorr may receive a referral or facilitation fee from partners for these services; this never changes the price or terms offered to you.

3. Lending partners

myScorr has, or intends to have, commercial arrangements with the following RBI-registered NBFC and lending partners for personal and business loan facilitation. The specific partner, lender identity and loan terms are disclosed to you during the application journey before you proceed.

Loan approval, amount, tenure, fees, interest rate and repayment terms are determined solely by the relevant lending partner, subject to their own policies and eligibility criteria.

4. Credit card partners

Credit cards discoverable through myScorr are issued solely by the relevant issuing bank or authorised card distribution partner. myScorr facilitates discovery and application submission only.

5. Bank account partners

Bank accounts discoverable through myScorr are opened and maintained solely by the relevant partner bank, subject to that bank's own KYC, eligibility and account-opening process.

6. Statement intelligence

Our Statement Intelligence feature (bank and UPI statement analysis) is an informational tool. It is not a regulated financial product, does not constitute financial advice, and does not affect your credit score or bureau record.

7. Related privacy notices

For details on how information is collected, used and shared in connection with the services above, please refer to our Privacy Policy, in particular the sections on credit information & bureau consent, and data sharing & disclosure.

8. Future financial products

We may introduce additional financial products or services over time, subject to applicable law, regulatory requirements and product-specific terms. A product should only be considered available once it is visibly live within the myScorr app.

9. Support & grievance contact

10. Effective date

This page is effective from the "Last updated" date shown above, and will be revised from time to time to reflect changes to our products, partnerships or applicable regulatory requirements.