Terms and Conditions – Terms of Use
        The services that Credit ‘n’ Debit Solutions provides through its website to users is subject to the following Terms of Use (“TOU”). The company (Credit ‘n’ Debit solutions) reserve the right to update the TOU at any time with out notice to the User.
       1. This Agreement, which incorporates by reference other provisions applicable to use of, including, but not limited to, supplemental Terms and conditions set forth hereof (“Supplemental Terms”) governing the use of certain specific material contained in the website sets forth the Terms and Conditions that apply to use of by user. By using user agrees to comply with all of the terms and conditions hereof. The right to use is personal to user and is not transferable to any other person or entity. User is responsible for all use of User’s Account and for ensuring that all use of user’s Account complies fully with the provisions of the Agreement. User shall be responsible for protecting the confidentiality of user’s password(s) if any. 
        2. Credit ‘n’ Debit Solutions shall have the right at any time to change or discontinue any aspect or feature of including, but not limited to, content, hours of availability, and equipment needed for access of use. 
Changed Terms
         Credit ‘n’ Debit solutions shall have the right at any time to change or modify the Terms and Conditions applicable to User’s use of, or ant part thereof, or to impose new conditions, including but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on, or by electronic or conventional mail, or by any other means by which user obtains notice thereof. Any use of by User after such notice shall be deemed to constitute acceptance by user of such changes, modifications or additions.
Description of Services
        Through its web property Credit ‘n’ Debit Solutions provides Users with access to variety of resources, including download areas, product information and communication areas collectively as “Services”. The services including any updates, enhancements, new features, and/or the addition of any new web properties, are subject to TOU. 
User Conduct
        1. User shall use for lawful purposes only. User shall not post or transmit through any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy of public rights, vulgar, obscene, profane or any objectionable which encourages conduct that would constitute a criminal offense, give raise to civil liability or otherwise violate any law, or which, with out Credit ‘n’ Debit Solutions express prior approval, contains advertising or any solicitation with respect to products or services. Any conduct by a user that in Credit ‘n’ Debit Solutions discretion restricts or inhibits any other user from using or enjoying will not be permitted. User shall not use to advertise or to perform any commercial solicitation, including but not limited to, the solicitation of users to become subscribers of other online information services competitive with the company.
        2. contains copyrighted material, trademark and other proprietary information, including, but not limited to, text, software, documents, and entire contents of are copyrighted as a collective work under the Indian copyright laws. Credit ‘n’ Debit solutions own a copyright in this selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. User may not modify, publish, transmit, participate in the transfer of sale, create derivate works or in any way exploit, any of the content in whole or in part. User may download copyrighted material for Users personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express permission of Credit ‘n’ Debit Solutions, and the copy right owner. In the event of any permitted copying, redistribution, or publication of copyrighted material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. User acknowledges that it doesn’t acquire any ownership rights by downloading copyrighted material.
        3. User shall not upload, post or otherwise make available on any material protected by copyright, trademark or other proprietary right with out the express permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by copyright tests with user. User shall be solely liable for any damage resulting from any infringements of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to any public area of, User automatically grants or warrants that the owner of such material has expressly granted Credit ‘n’ Debit Solutions the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material worldwide and/or to incorporate it in other works in any other form. User also permits any other user to access, view, store or reproduce the material for that Users personal use. User hereby grants Credit ‘n’ Debit Solutions the right to edit, copy, publish and distribute any material made available on by user.
Use of Services
        The services may contain Product Description, List of Documents, calculators, Amortization, Drafts, DSA services, other related services with communication services designed to enable user to communicate with the service providers. Users agree to use communication services only to post and receive massages and material that are proper and when applicable, related to the particular communication service. By way of example, and not as a limitation, User agrees that when using the communication services, user will not:
  •  Use the communication services in connection with surveys, contests, pyramid schemes, chain letters, junk emails, spamming or any duplicative or unsolicited messages (Commercial or otherwise).
  •  Defame abuse, harass, stalk, threaten or otherwise violate the legal rights (Such as rights or privacy and publicity) of others.
  •  Publish post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.
  •  Upload or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including, by way of example, and not as limitation, copyright or trademark laws (or by rights of privacy and publicity) unless User own or control the rights thereto or have received all necessary consent to do the same.
  •  Use any material or information, including images and photographs, which are made available through the services in any manner that infringes any copyright, trademark, patent, trade secret or other proprietary right of any party.
  •  Upload files that contain viruses, Trojan horses, Worms, time bombs, cancel bots, corrupted files, or any other similar software or programmes that may damage the operation of another’s computer or property of other.
  •  Advertise or offer to sell or buy any goods or services for any business purpose, unless such communication services specifically allow such messages.
  •  Download any file posted by another user or Communication Service that user know, or reasonably should know, cannot be legally reproduced, displayed, performed and/or distributed in such manner.
  •  Falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin of the source of software or other material contained in a file that is uploaded.
  •  Restrict or inhibit any other user from using any enjoying the communication services.
  •  Violate any code of conduct or other guidelines which may be applicable for any particular communication service.
  •  Harvest or otherwise collect information about others, including email addresses.
  •  Violate any applicable laws or regulations.
  •  Create a false identity for the purpose of misleading others.
  •  Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of the services or other user or usage information or any portion thereof.
        Credit ‘n’ Debit Solutions has no obligation to monitor the communication services. However the company reserves the right to review materials posted to the communication services and to remove any material in its sole discretion. Credit ‘n’ Debit Solution reserves the right to terminate Users to any or all of the communication services at any time, without notice, for any reason whatsoever. Credit ‘n’ Debit Solutions reserves the right to disclose any information as it deems necessary to satisfy any applicable laws, regulation, legal process or Governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the company’s sole discretion.
        Materials uploaded to Communication Services may be subject to posted limitations on usage, reproduction and or dissemination; User is responsible for adhering to such limitations if User downloads the material.
        Always use caution when giving out any personally identifiable information in any Communication Services. Credit ‘n’ Debit Solutions does not control or endorse the content, messages or information found in any communication services and, thereof, Credit ‘n’ Debit Solutions specifically disclaims any liability with regard to the communication services. Managers and hosts are not authorized Credit ‘n’ Debit Solutions spokespersons, and their views do not necessarily reflect those of the company.
Member Account, Password and Security
        If any of the Services requires User to open an Account, User must complete the registration process, by providing the company with the current, complete and accurate information as prompted by the applicable registration form. User also will choose a password and Username. User is entirely responsible for maintaining for confidentiality of Users password and account. Furthermore, User is responsible for any and all activities that occur under User’s account. User agree to notify Credit ‘n’ Debit Solutions immediately of any unauthorized use of User’s Account or any other breach of security. Credit ‘n’ Debit Solutions is not liable for any loss user may incur as a result of someone else using User’s password or account, either with or with out user’s knowledge. However, user could be held liable for losses incurred by the company or another party due to some one else using User’s account and password. User may not use anyone else’s account at any time, without permission of the account holder.
Notices Specific to Documents available on Website
        Permission to use the documents from the services is granted provided that the use of such documents is for informational and non-commercial or personal use only and will not be copied or posted on any other network, computer or broadcast in any media. Use for any other purposes is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
        Credit ‘n’ Debit Solutions and its representatives make no representations about the suitability of the information contained in the documents and the related graphics published as part of the services for any purpose. All such documents and related graphics are provided “AS IS” without warranty of any kind.
        The Documents and related graphics published on the services could include technical in accuracies or typographical errors. Changes are periodically added to the information herein. The Company and/or its respective suppliers may make improvements and/or changes in the product(s) and/or the programme(s) described herein at any time.
Materials provided to Credit ‘n’ Debit Solutions or posted at its Websites
        Credit ‘n’ Debit Solutions does not claim ownership of the material User provide to the company or post, upload, input or submit to any services or its associated services for review by the general public, or by the members of any public or private community. However by posting, uploading, inputting, providing or submitting users submission User is granting the company and its affiliated companies and necessary sub licensees permission to use user submission in connection with the operation of their Internet Business, including with out limitation the licence right to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat User’s submission to publish User’s name in connection with User’s submission; and the right to sublicense such right to any supplier of services.
        No compensation will be paid with respect to the use of User’s submission, as provided herein. The Company is under no obligation to post or use any submission user may provide and the company may remove any submission at any time in its sole discretion. By posting a submission user warrants and represents to own or otherwise control all of the rights to User’s submission as described in these Terms of Use, including without limitation, all the rights necessary for user to provide, post, upload, input or submit the submissions.
Disclaimer of Warranty; Limitation of Liability
  •  User expressly agrees that the use of is at User’s sole risk. Neither Credit ‘n’ Debit Solutions nor any of their respective employees, agents, third party Licensors warrant that will be uninterrupted or error free; Nor do they make any warrants as to the results that me be obtained from use of, or as to the accuracy, reliability or Content of any information, service, or merchandise provided through
  • is provided on an “AS IS” basis without warranties of any kind, either express or implied, including, but not limited to, warranties of the title or implied warranties of merchantability or fitness for particular purpose, other than those warranties which are implied by and incapable of elusion, restriction or modification under the laws applicable to this agreement.
  •  This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to , alteration of, use of record, whether for breach of contract, tortuous behaviour, Negligence, or under any other cause of action. User specifically acknowledges that Credit ‘n’ Debit Solutions( is not liable for the defamatory, offensive or illegal conduct of other users or third parties and that the risk of injury from the foregoing rests entirely with user.
  •  In no event will Credit ‘n’ Debit Solutions (, or any person or entity involved in creating, producing or distributing, be liable for any damages, including with out limitation, Direct, Indirect, Incidental, Special, consequential or punitive damages arising out of the use of or inability to use User hereby acknowledges that the provisions of this section shall apply to all the content of the website.
Links to Third Party sites
        The links in this area will let you leave Credit ‘n’ Debit Solutions website The linked sites are not under the control of and is not responsible for the content of any linked sites or any link contained in a linked site, or any changes or updates to such sites. is not responsible for webcasting or any other form of transmission received from any linked site. is providing these links to you only as a convenience, and the inclusion of any links does not imply endorsement by the site.
        Credit ‘n’ Debit Solutions shall have the right, but not the obligation, to monitor the content of, to determine compliance with this Agreement and any operating rules established by the company and to satisfy any law, regulation or authorized government request. The company shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on With out limiting the foregoing the company shall have the right to remove any material that, in its sole discretion finds to be in violation of the provisions hereof or otherwise objectionable.
        User agrees to defend, indemnify and hold harmless Credit ‘n’ Debit Solutions, its affiliates and their respective directors, partners, officers, employees and agents from and against all claims and expenses, including attorney’s fees, arising out of the use of Credit ‘n’ Debit Solutions ( by user or by User’s Account.
        Either Credit ‘n’ Debit Solutions or User may terminate this agreement at any time. With out limiting the foregoing, the company shall have the right to immediately terminate User’s account in the event of any conduct by the user which the company, in its sole discretion, considers to be unacceptable, or in the event of any breach by user of this Agreement.
        This Agreement and any operating rules for established by Credit ‘n’ Debit Solutions, constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreement between the parties with respect to such subject matter. This Agreement shall be constructed in accordance with the laws of the Hyderabad, Andhra Pradesh, India, with out to its conflict of laws rules. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach of default. The section heading used herein are for convenience only and shall not be given any legal import.
Copyright its logos are trademarks of Credit ‘n’ Debit Solutions. All rights reserved.
        The names of actual companies and services mentioned herein may be the trademarks of their respective owners. The example companies, Organizations, products, domain names, email addresses, logos, people and events depicted herein are fictitious. No association with any real company, organization, product, domain name, email address, logo, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.
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