Terms and Conditions

Terms & Conditions

By executing this Agreement and Consent Form, you expressly agree to allow Prashu Talk (referred to as “we”, “us”, or “our” throughout this document) to access your Experian credit information report and credit score, including aggregate scores, inferences, references, and details (collectively referred to as “Credit Information”). You hereby irrevocably and unconditionally consent to the provision of such Credit Information by Experian to you and Prashu Talk, using Experian tools, algorithms, and devices, and you agree, acknowledge, and accept the terms and conditions set forth herein.

Prashu Talk, acting as your authorized representative, shall access your Credit Information and use it solely for the limited End Use Purpose related to the services proposed to be availed by you from Prashu Talk. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell, or rent the Credit Information to any other person, and it cannot be copied or reproduced other than as agreed herein and in furtherance to the Credit Information Companies (Regulation) Act, 2005 (“CICRA”). The Parties agree to protect and keep confidential the Credit Information both online and offline.

The Credit Information shared by you or received on your behalf by us shall be destroyed, purged, or erased promptly within 1 (one) Business Day upon the completion of the transaction or End Use Purpose for which the Credit Information report was procured.


The relationship between you and Prashu Talk shall be governed by the laws of India, and all claims or disputes arising therefrom shall be subject to the exclusive jurisdiction of the courts of Mumbai.


  • BUSINESS DAY means a day (other than a public holiday) on which banks are open for general business in Mumbai.
  • CREDIT INFORMATION REPORT means the credit information, scores, aggregates, variables, inferences, or reports generated by Experian.
  • CREDIT SCORE means the score computed by Experian and mentioned on the Credit Information Report.
  • CICRA shall mean the Credit Information Companies (Regulation) Act, 2005, read with the Credit Information Companies Rules, 2006, and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.

By accessing our services, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by their terms and conditions.