Identity Kawach Terms and Conditions | Credit Help India

Identity Kawach Terms and conditions

Credit Help India Identity Kawach User Agreement

These terms (“Terms” or “Agreement”) shall constitute the agreement made between CREDIT HELP INDIA SERVICES PVT LTD (“we,” “us,” or “CREDIT HELP INDIA”), offering a plan called IDENTITY KAWACH, and you, the end user (“You” or “Your”). By purchasing the IDENTITY KAWCH plan, You agree to authorize Credit Help India, by and/or through its authorized representatives to: 1) to do all acts on your behalf as may be necessary including execute/sign application(s), make payment of applicable fees and generally to do all other acts as may be necessary for the purpose of improvement of your credit health and protection of identity theft; 2) use your name to send correspondence addressed to your record holders; 3) to discuss information with any of your record holders to help resolve a debt if mediation of a debt is necessary; 4) to allow usage of the your Credit Information for the purpose of data storage and for analysis conducted by Credit Help India (even after the expiry of the Term and/or the termination of the agreement.


  • The Identity kawach plan will provide you with your initial Credit Report(s) and Credit Score(s), as well as Identity theft protection, ATM robbery protection, Fraudulent charges protection and lost wallet protection. The Insurance coverage with our services is provided by Tata AIG and the Insurance cover is governed by Tata AIG policies, Credit Help India is not liable for any claims arising from the insurance coverage provided by Tata AIG, all claims will be adhered to as per the terms of the coverage provided by TATA AIG.
  • The Identity Kawach plan is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history, or rating. Credit Help India reserves the right to change or modify any of the terms and conditions with a 30 day advance notice to you. Credit Help may terminate this agreement upon a 30 day written notice.

Use of Plan

You will be responsible for maintaining the confidentiality of your membership number, and, if applicable for your online plan, your username and password for the website. You must notify us immediately of any unauthorized use, theft or misplacement of that information. You also agree to provide accurate and current information about yourself, including your current contact information such as address, phone, and/or email address in connection with our purchase, and use of, the plan.


You understand that by accepting these terms and conditions you are providing “written instructions” to Credit Help India Services Pvt Ltd and its employees, agents, subsidiaries, affiliates, contractors, third party data and service providers, and all other credit reporting agencies to access your credit files from each national credit reporting agency and to exchange information about you with each national credit reporting agency in order to verify your identity and to provide the services to you. You agree and hereby authorize Credit Help India to provide your personally identifiable information to third parties as provided in our privacy policy, as may be amended from time to time, in order to provide the services to you. You further authorize Credit Help India to obtain information and reports about you in order to provide the services, including, but not limited to, credit monitoring services, credit reporting, identity monitoring, fraud resolution services, restoration services, address history reports, name and alias reports, criminal reports and to provide monitoring and alerts.

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