These terms govern your use of www.fortytwocapital.in and the services provided by Forty Two Capital Private Limited, Chennai, Tamil Nadu ("Forty Two Capital", "we", "us"). By submitting a form on this website or engaging our services, you accept these terms.
1. What we are — and are not
Forty Two Capital is a credit advisory and dispute facilitation service. We are not a credit rating agency, credit bureau, bank, NBFC, or lender, and we are not affiliated with TransUnion CIBIL, Experian, Equifax, or CRIF High Mark. We assist you in exercising your statutory right under the Credit Information Companies (Regulation) Act, 2005 to dispute inaccurate information in your credit reports, through official bureau and lender channels only.
2. No guaranteed outcomes
Credit scores are calculated solely by the credit bureaus. We do not and cannot guarantee any specific score increase, dispute outcome, or loan approval. What we commit to is defined process: a documented audit, professionally drafted disputes for identified inaccuracies, and sustained follow-up within your plan's scope. Case studies and testimonials on this site reflect individual outcomes and are not a promise of similar results.
3. Your responsibilities
- Provide accurate, complete information and genuine documents.
- Only instruct disputes for information you believe in good faith to be inaccurate. We will not file disputes intended to remove accurate information, and may decline or terminate service if asked to do so.
- Respond to bureau or lender verification requests promptly where required.
4. Fees and refunds
The initial credit audit is free of charge and carries no obligation. Paid plans are quoted before engagement and cover the audit and dispute lifecycle described in the plan. If our audit finds no disputable errors in your reports, we will tell you so honestly — you pay nothing beyond any amounts already agreed for completed work. Fees for work already performed are non-refundable; any refund for unperformed work is at our discretion and will be confirmed in writing at engagement.
5. Timelines
Bureaus are required to resolve disputes within 30 days of a formal complaint under applicable RBI directions; end-to-end timelines on this site (typically 45–60 days) are estimates based on past cases, not commitments.
6. Limitation of liability
To the maximum extent permitted by law, our aggregate liability arising from the services is limited to the fees you paid us for the plan concerned. We are not liable for decisions made by bureaus, lenders, or other third parties.
7. Intellectual property
All content on this website, including guides and articles, is owned by Forty Two Capital and provided for personal, non-commercial use.
8. Governing law
These terms are governed by the laws of India. Courts at Chennai, Tamil Nadu shall have exclusive jurisdiction.
9. Contact
Questions about these terms: support@fortytwocapital.in · +91 63640 55652.