Fair Practices Policy

WowScore, operated by KGIL Technologies Private Limited (“Company”, “we”, “us”, or “our”), is committed to providing its users with fair, transparent, and responsible services.

WowScore provides credit education, credit-related insights, score tracking, and credit-improvement guidance to help users better understand and manage their credit profile.

WowScore does not provide, sanction, approve, or disburse loans or credit facilities.

We are committed to:

• Providing clear and accurate information about our services.
• Treating all users fairly and respectfully.
• Avoiding misleading or false representations regarding credit scores or credit improvement.
• Clearly disclosing applicable subscription fees and charges before payment, where applicable.
• Ensuring that users are not guaranteed any specific improvement in their credit score or approval of any loan or credit facility.

We respect the privacy of our users and take reasonable measures to protect their personal data and Credit Information.

Any Credit Information will be accessed and used only with the required consent and for authorised purposes, in accordance with applicable laws and our Privacy Policy.

The guidance and recommendations provided through WowScore are intended to help users understand their credit profile and make informed decisions.

However, credit scores and credit eligibility depend on various factors, and WowScore does not guarantee any specific credit score improvement or loan approval.

Users may raise concerns or complaints regarding our services through the contact channels provided in our Grievance Redressal Policy.

We will endeavour to address grievances fairly and within the timelines specified under the applicable grievance redressal process.

We may update this Fair Practices Policy from time to time to reflect changes in our services, business practices, or applicable laws.

The updated Policy will be made available on the WowScore Platform.

WowScore is committed to maintaining fair, transparent, responsible, and user-friendly practices while providing credit education and credit-improvement guidance.