Legal & Regulatory Disclaimer
Mandatory disclosure for visitors and clients of Janakalyanalay.
1. Independent Entity Disclosure
Janakalyanalay is a privately managed citizen assistance, advisory, and digital facilitation centre. We are NOT:
- An official partner, agent, franchisee, or branch of TransUnion CIBIL Limited.
- An official representative of CRIF High Mark, Experian India, or Equifax.
- A government department, ministry, or statutory government agency.
- A bank, Non-Banking Financial Company (NBFC), or money-lending business.
- A direct loan sanctioning authority or guarantor.
2. Credit Score Improvement & Dispute Policy
In strict compliance with the Credit Information Companies (Regulation) Act, 2005 (CICRA) and RBI directives:
- We do not promise or guarantee 100% credit score increases or fixed point increments.
- We do not promise automatic removal or deletion of legitimate, accurate records of loan defaults, written-off accounts, or overdue payments.
- Our role is limited to auditing reports for legitimate errors (e.g., identity theft, fake loans on PAN, delayed NOC updates, clerical typing mistakes) and assisting you in raising formal dispute tickets through lawful credit bureau dispute resolution mechanisms.
- The final resolution, amendment, or retention of any record is decided solely by the reporting bank/financial institution and the concerned credit bureau.
3. CSC & Government Digital Services Policy
Regarding Common Service Centre (CSC) and digital e-governance services:
- Janakalyanalay assists citizens in filling application forms, reviewing document eligibility, formatting uploads, and booking appointments on designated public portals (e.g. Passport Seva, NSDL, State RTPS portals).
- Services requiring specific government licenses, credentials, or physical biometric authentication (such as Aadhaar updates) are rendered strictly where authorized or guided to designated official centers.
- Approval, card issuance, physical dispatch, and certificate grant remain at the sole discretion of the competent government authorities. Janakalyanalay does not control or expedite official processing queues.
4. Trademark Acknowledgment
Any references to CIBIL, CRIF, Experian, Equifax, CSC, or specific government schemes on this website are made solely for descriptive, informational, and educational purposes to indicate the scope of assistance provided. All trademarks, service marks, and company names belong to their respective registered proprietors.
5. Questions Regarding This Disclaimer
If you have any questions or require clarification regarding our terms or scope of work, please contact:
Email: info@jankalyanalay
Helpline: +91 82109 77366 • +91 92637 38724