Terms & Conditions

Welcome to Beyond Credit. These Terms and Conditions ("Terms") set out the rules for using the Beyond Credit platform, which is owned and operated by Beyond Credit Technologies Private Limited (referred to here as "the Company", "we", or "us"). The Platform covers everything we offer — the web app, dashboards, deal room, loan tape tools, document automation, API access, OCR and parser workflows, Excel automation, mail and calendar integrations, analytics, and all related features. By signing up, logging in, uploading data, connecting any integration, clicking "I Agree", or simply using the Platform in any way, you and your organisation agree to be bound by these Terms, our Privacy Policy, and any order form or written agreement you've signed with us. If you don't agree, please stop using the Platform. These Terms form a legally binding contract between you and the Company. We may update these Terms from time to time. When we do, we'll post the revised version on the Platform or notify you by email. Your continued use after that point means you've accepted the changes.

Throughout these Terms, a few words carry specific meanings. "Platform" means the entire Beyond Credit service — every dashboard, portal, API, feature, tool, and workflow we make available. "Client" refers to any NBFC, lender, investor, fund, financial institution, company, or individual that uses the Platform. "User" means any person accessing the Platform on behalf of a Client. "Services" covers everything we provide, from deal pipeline and document management to loan tape processing, analytics, teaser generation, and API access. "Client Data" is everything you upload or generate through the Platform — financial records, KYC documents, loan tape files, borrower data, and so on. "Generated Outputs" means any scorecard, report, dashboard, Excel file, OCR result, duplicate flag, or other output the Platform produces from your data. "Counterparty" refers to any other NBFC, investor, lender, or registered user you interact with on the Platform.

The Platform is built for business and professional use. By creating an account, you confirm that you have the legal capacity to enter into this agreement and, where you're acting on behalf of an organisation, that you have the authority to bind that organisation to these Terms. Clients take full responsibility for everything done through their accounts, including actions by their users, API integrations, and connected systems.

When you register, you need to provide accurate and up-to-date information. We may verify accounts, request additional details, or decline registrations at our discretion. You're responsible for keeping your credentials, OTPs, API keys, and devices secure. If you suspect your account has been accessed without your permission, let us know right away at support@beyondcred.it. We aren't responsible for losses resulting from someone else using your credentials because you didn't keep them safe.

The Platform includes role-based permissions, tenant-level access, document sharing controls, deal invitations, API scopes, and various other access management tools. Clients are responsible for setting up and maintaining these access controls correctly, including deciding who gets access to what. Our authorised staff may access account data for support, security, or compliance purposes, and such access is logged where technically possible.

You may use the Platform for lawful business activities related to NBFC and lending operations, investment management, deal management, document workflows, financial analytics, portfolio monitoring, and loan tape processing. That's what it's built for. Any other use that isn't specifically covered here requires our prior written consent.

You own your data, and you're responsible for it. That means making sure you have the right to upload everything you put on the Platform — borrower records, KYC documents, financial statements, third-party information, and everything else. We don't independently check whether your data is accurate, complete, or lawfully obtained. If there's a problem with the data you've uploaded, it's on you.

The Platform lets NBFCs and lenders upload loan tapes, facility mappings, borrower-level records, and related files. It also runs duplicate detection, validation checks, and processing jobs on that data. The Client remains solely responsible for having the required consents and permissions for any borrower or customer data they upload. Our duplicate detection and validation outputs are system-generated and may not catch everything — always verify results before acting on them.

The deal room lets you create deals, share documents, invite counterparties, manage Q&A threads, and collaborate with NBFCs, investors, and lenders. We're a technology platform, not a party to your deals. Due diligence, legal review, investment decisions, and counterparty verification are entirely your responsibility. Nothing on the Platform replaces proper deal-level diligence.

The Platform can generate a wide range of outputs — scorecards, CRAR calculations, ALM data, NPA summaries, portfolio analytics, funding proposal teasers, Excel reports, and more — based on the data you provide. These outputs are tools for internal use and workflow automation. They are not professional advice. We don't guarantee their accuracy or completeness, and they should always be reviewed and verified before being used for any significant decision.

We use OCR, document parsing, Excel automation, and template processing to extract and transform data from uploaded files. The quality of outputs depends heavily on the quality of the source files. We're not liable for errors that result from poor-quality inputs, unusual formatting, or OCR limitations. Always review extracted or generated data before using it.

If you connect an email account, calendar, or other communication service to the Platform, you're confirming that you have the authority to do so. You're responsible for what gets sent through those accounts. We're not liable for miscommunications caused by incorrect configuration or misuse of connected accounts.

API keys and access tokens are confidential. Keep them secure, rotate them regularly, and restrict their scope appropriately. We reserve the right to suspend or revoke API access if we detect misuse, excessive usage, suspicious activity, or security concerns. We may also do this if fees go unpaid.

Some of the data shown on the Platform comes from public sources, regulatory databases, or third-party providers. We display it for convenience and analytical purposes. We don't guarantee that it's accurate, current, or complete, and it shouldn't be treated as a definitive or regulatory source.

Fees for the Platform are set out in your order form, subscription agreement, or invoice. Fees are generally non-refundable unless we've agreed otherwise in writing. You're responsible for any applicable taxes. If fees remain unpaid, we may suspend or terminate your access.

The Platform — including its code, design, workflows, templates, algorithms, dashboards, and all other components — belongs to us or our licensors. You keep ownership of your Client Data. By using the Platform, you give us a licence to host, process, and use your data to provide the Services. That licence ends when you stop using the Platform, subject to any data retention requirements.

Both parties may share confidential information through the Platform. Each side agrees to protect the other's confidential information with reasonable care, use it only for permitted purposes, and not disclose it to third parties without consent. These obligations survive termination of this agreement.

We handle personal data in accordance with our Privacy Policy and applicable Indian law, including the Digital Personal Data Protection Act, 2023. Clients must ensure that their own data collection, upload, and sharing practices comply with all applicable privacy and data protection obligations. Please read our Privacy Policy for the full details of how we handle data.

We take reasonable technical and organisational measures to protect the Platform and your data. That said, no system is completely invulnerable. Clients should also maintain appropriate security on their end — strong passwords, access reviews, device security, and API key management. If there's a security incident, we'll investigate, contain it, and notify affected parties as required by law.

We aim to keep the Platform available, but we can't guarantee 100% uptime. Maintenance, updates, infrastructure issues, and third-party outages can all cause downtime. We may also change, add, or remove features from time to time. We'll try to give reasonable notice for significant changes.

We can suspend or terminate your access if you breach these Terms, fail to pay fees, create security risks, upload unlawful data, or otherwise misuse the Platform. Termination doesn't cancel any payment obligations you've incurred, and clauses relating to confidentiality, indemnity, and liability continue to apply.

You agree to indemnify and hold the Company, its directors, employees, and agents harmless from claims, costs, and liabilities arising from your use of the Platform, your data, your breach of these Terms, or any claims by third parties in connection with your deal room activity or use of Generated Outputs.

We're not liable for failures caused by events outside our reasonable control — natural disasters, cyberattacks, government actions, internet or cloud outages, pandemics, or anything else of that nature.

These Terms are governed by Indian law. If a dispute arises, both sides will first try to resolve it through good-faith discussions. If that doesn't work within 30 days, the dispute goes to arbitration under the Arbitration and Conciliation Act, 1996, with Mumbai as the seat, proceedings in English, and a sole arbitrator. Courts in Mumbai have jurisdiction for interim relief.

Notices to us should go to support@beyondcred.it. We'll contact you at the email address registered on your account.

We may update these Terms from time to time. We'll post changes on the Platform or let you know by email. Continuing to use the Platform after changes take effect means you accept the updated Terms.

Beyond Credit Technologies Private Limited · support@beyondcred.it · www.beyondcred.it