When you buy any credit score or credit ratings report, you agree to the following terms and conditions as an integral part of it and that is you or your entity are entering into an agreement with our companies as follows. These Terms and Conditions shall be read, agreed and accepted before any use of Rate-O-Meter Mobile Application (known hereafter as ‘this App’) and/or website version of this App: RateOMeter.App (hereafter known as ‘website’) and/or buying a credit score or a credit rating (hereafter known as ‘score/rating’). Any use of this App and its website version by you or your entity is construed as you have agreed to these terms and conditions set here which are integral part of your access and usage of products or services provided by this App and its website.

In case you do not agree to these terms and conditions then please do not use this App and/or its website version.

In case when you register, sign-in, log-in, authenticate your details, buy credit score or service, surf the App or website content and make payment to buy product or service then it is considered that you and/pr entity you are acting on behalf or representing both have agreed and signed this agreement with Strategic Ratings Corporation, USA (hereafter known as ‘SRUSA’) and you/ your entity are bound by the terms and conditions of this agreement and usage of this App and its website version both. 

This App and its website version are operated through Strategic Ratings Corporation USA by its main company CEO24X7 Limited, UK (hereafter known and mentioned as ‘CEO24X7’) who owns SRUSA, this App and website and you are buying any product or service from SRUSA.

Users of this App and/or its website version also agrees hereby with SRUSA and/or CEO24X7 that they are not robot, they are human, they have read, understood and agreed all terms and conditions set herein this agreement and they are eligible users by legal age, competent enough and they are in their full consciousness to sign terms and conditions and to agree each of these terms and/or conditions set forth here as per applicable law. If any of these is not the case, and/or not applicable or agreed by you and/or your entity then please Do Not use this App or its website as governed by this agreement to terms and conditions mentioned here.

1. Credit scores and/ or credit ratings given by Rate-O-Meter and Strategic Ratings subsidiaries of CEO24X7 Limited are opinions of estimated credit risk profiles of companies and relative comparisons of their profiles to a limited industry mapping. These rating reports are the opinions about how companies are doing and not an opinion about any particular debt or equity and these ratings are mentioned on the aggregated scores or our own ratings scales which can then be mapped or interpreted to other industry standards. Core philosophy for rationale is to utilise multiple factors which are financial or non-financial or both.
2. As a buyer of credit score or credit rating by submitting data into Rate-O-Meter App, you confirm that you have a legal access, ownership and/or authority to submit that data into and generate a credit score or credit rating report. You can even test potential credit score or a rating by entering your futuristic data to get an idea.
3. Credit scores and credit ratings issued by Rate-O-Meter are NOT commitments of any kind of security.
4. An entity or a company for which the credit score or credit rating report is generated by Rate-O-Meter may not be able to honour or fulfil their pending, current or future, short-term or long-term and/ or financial or non-financial obligations and Rate-O-Meter is not responsible or accountable if anyone makes any kind of financial or non-financial loss in the event of a particular entity defaulting for whom the credit score or credit rating was generated by Rate-O-Meter.
5. Credit score and credit ratings are not facts, and it may not adequately address all categories of risks, economic and market conditions or global business dynamics as Rate-O-Meter App relies upon the data, and quality and accuracy of the data submitted by buyers of credit score and/or credit rating for an entity to calculate and to generate credit score or credit rating report.
6. Rate-O-Meter mobile application utilises a dataset updated at regular interval and deploys an algorithm which uses statistical analyses to map or enable deriving a credit score and/or a credit rating.
7. There is no human intervention involved in running of this Rate-O-Meter Mobile Application and it is 100% machine based technology doing a job to produce credit score and/or credit rating for an entity based on their data submitted into the Rate-O-Meter App.
8. Rate-O-Meter credit score and/or credit rating are not any investment, financial or business advice and our credit score and/or credit rating scales are not any recommendation to buy, hold or sell any kind of debt, equity, security, insurance, bond, direct or structured payment instrument, future, option, contract and/or any such product or service.
9. Rate-O-Meter output generated in the forms of credit score and/or credit rating report is not a commentary, and/or is not any evaluation of suitability. Any buyer, investor, individual or organisation of any credit score or credit rating report from Rate-O-Meter App. must carry out their own assessment, due diligence, research and in-depth study to consider any product or security prior to any decision making of buying, selling or holding.
10. Rate-O-Meter output generated in the forms of credit scores, or credit rating reports shall not be used by daily traders, day-to-day retail or small scale investors in making any decision to buy, hold or sell any equity, debt or security from market or private placement of any security.
11. All individuals and/or entities understand and agree that if you have any doubt about buying any credit score or credit rating from Rate-O-Meter, what it is and what is the use of it then you shall contact or take advice from your financial advisor(s).
12. All information contained in this mobile app. is protected by law, including copyright laws and any information is not allowed to be copied, reproduced, repackaged, transmitted, transferred, disseminated, redistributed, resold, stored mechanically or electronically for any further usage for any commercial or non-commercial aim(s), objective(s) or purpose(s) whether in whole or in part by any form or any means by any organisation or any person without prior and written permission from Strategic Ratings Corporation, USA and its parent company CEO24X7 Limited, UK. Our content from any of our published or unpublished materials either offline or online shall not be reproduced or distributed in any part or full thereof by any means or technology or system without prior written permission(s) from Strategic Ratings Corporation USA and its parent company CEO24X7 Limited, UK and/or any of its worldwide subsidiaries.
13. Any credit score or credit rating obtained or purchased through Rate-O-Meter app or platform is an opinion for an estimated and approximate creditworthiness for a specific entity on a short term basis. It is not an advice of any kind about that entity, firm, issuer or buyer to any purchaser of a credit score or credit rating.
14. You indemnify us from any loss(es) arising from credit score and/or credit rating you buy from Rate-O-Meter App. for you or your company or for any company for what-so-ever any reason irrespective of any decision you take with and/or without getting a specialist financial or non-financial advice whilst considering, utilising, comparing, implementing, forwarding, presenting, using, pledging a credit score or credit rating or any part or whole report obtained from Rate-O-Meter App.
15. You also indemnify Strategic Ratings Corporation, USA; CEO24X7 Limited, UK and its worldwide associates, partners, owners, advertisers, franchisees and subsidiaries; and hereby agree not to claim any payment, claim, damage, expense, cost, fee, loss, monetary, regulatory, commercial or compensatory benefit(s), missed opportunity or income in case of any refund or any dispute what-so-ever for any reason arising out of free or paid use of Rate-O-Meter App or any score, rating, product or service bought from Rate-O-Meter App or from our companies.
16. Any of our content, patents, intellectual properties, copy righted materials, trademarks, brands, names, methods, formulae, client or user access, or their data and/or information or our executives or non-executive staff, employee, guest or delegate or their personal or professional information shall not be used for any unlawful or unauthorised use(s) and/ or purpose(s).
17. We monitor and/or track our mobile applications, websites, portals, platforms or intranets so when you buy, purchase, pay to access or download any score or rating report, brochure and/ or information then you agree that we can track that information through cookies.
18. Strategic Ratings Corporation USA and/ or CEO24X7 Limited, UK or any of its subsidiaries or associates shall not be liable in any manner whatsoever to any damages, expenses, costs, fees, legal fees, compliance fees, compensatory, losses, forgone income, losses in profit, sale or turnover, or losses in any fees in any other category arising out of any content or use of any of our information, brochure, credit score, credit ratings, analyses, scrutiny, assessments, opinions or appraisals for any company, sovereign, fund, organisation, firm, entity or individual in any category or any capacity.
19. The material expressed, displayed, written, available on screen or stored in this app is an opinion and not a recommendation, action or instruction. Our credit ratings, any other information or report are just opinions and not an advice, recommendation or suggestion to make any business, decision, or investment; and Strategic Ratings Corporation USA; CEO24X7 Limited, UK; or any of its subsidiaries or associates are not responsible for any such action taken by any organisation, partnership, group or individuals. We have no affiliates or partners in any country at the time of publishing this document. However, you also indemnify our advertisers, franchisees, partners or associates worldwide from any claim(s) what-so-ever for any reason.
20. Strategic Ratings Corporation, USA or CEO24X7 Limited, UK reserves any and/or all the rights to cancel, to amend, to suspend, to change, to improve, to upgrade, to downgrade, to assign, to monitor, to withdraw, to acknowledge, to change, to reverse or to remove any credit score or credit rating at any time without any notice solely on our company’s discretion; and our company shall not be liable for any loss from any such action(s) and Strategic Ratings and all related companies disclaim any action, duty or act whatsoever raised or generated out of any such action(s).
21. Our company takes no responsibility for any losses from any such action or any information or any completeness or incompleteness of this document, App or its algorithm. The Rate-O-Meter App, Document, Information on the App or software(s), programme(s) or code(s) working at front-end, within the App, payment or data processing or report generation is prepared on ‘as is basis’ and ‘no liability’, ‘no equity’, ‘no asset’ or ‘no payment’ can be claimed for any reason from any of these.
22. Strategic Ratings Corporation, USA and CEO24X7 Limited, UK have taken utmost care to compile, to format, to store and to utilise data for this application. Any data or information utilised in this application has been procured from authentic, reliable and reputable suppliers or sources. Therefore, you indemnify us as for any data, calculation, information, score, report whatever you utilise in and from this Rate-O-Meter App because we cannot however claim, confirm, protect or assure its quality, accuracy, or completeness and we utilise supplied or procured data to generate or provide services of score, ratings and/or reports.
23. We provide credit ratings in the countries only where we are licenced to provide credit scores and/or ratings. Some countries have different rules for machine based services such as when there is no human analyst doing the job, if only machine, programme doing the calculation, and/or score and rating is not published by us but privately bought by you then there is no need of any operational or regulatory authorisation to be obtained by us or any of our companies.
24. Strategic Ratings Corporation, USA or CEO24X7 Limited, UK or any of its subsidiaries or associate(s) may receive income, fee or payment for disseminating and/or providing scores, ratings, analyses, assessments or any other ancillary service to issuers, companies, sovereigns, agencies or their subsidiaries; and we reserve any and all rights to sell our products, software, subscriptions or services through Mobile, Offline or Online through our offices, network, portals, advertisers, affiliates, partners, associates, clients, franchises, social media and/or our websites, trading platforms, research, conference and/or networking platforms, private or market indices worldwide.
    Any and all rights, copy rights are reserved by CEO24X7 Limited, UK and its all subsidiaries including and/or all brands, tradenames, businesses, service marks and/or trademarks and intellectual properties owned by CEO24X7 Limited, UK. Strategic Ratings Corporation, USA (6291948) is registered in state of Delaware, USA and CEO24X7 Limited, UK (8297903) is registered with Companies House in the UK.
25. The quality of a credit score or credit rating depends upon accuracy and reliability of data submitted by you for any entity. In case data is incomplete it flawed then the score or rating report generated is influenced by quality, completeness or error(s) of that data. Therefore, you indemnify Strategic Ratings Corporation, USA; CEO24X7 Limited, UK and their all subsidiaries and partners, clients, franchisees from whether the score and/or rating report comes with any type of high, medium, low, faulty or erroneous score or rating. In some cases, a score or rating might not be generated at all if there is any missing data in what you submitted. We suggest what kind of data is needed to generate credit score or rating and it is always suggested to submit through a file rather than you type all the data yourself. You indemnify us from all these possible fault and/ or error happening in submitting or not submitting the data by you or for any entity data and/ or further processing of submitted data to generate a credit score or a credit rating.
26. We take utmost care to run technology or machine in cloud based hosting most of the time however we may take periodic maintenance; and our suppliers of technology and/or data may also take regular maintenance. In such cases, Rate-O-Meter App or Website is not available and you totally and/ or completely indemnify us, our any or all companies and/ or partners, clients, franchises from any kind of claim or loss to you or any entity who utilises our App or Website or wishes to utilise at a point of time when actually App or website is down and/or is not available when you need it.
27. Our service quality in this App for generating a score or a rating is mainly dependent on data you submit either through questionnaire form or excel file upload and service provided to generate score or report is on the as is where is basis; therefore you indemnify us and all our companies, associates, partners, clients and franchisees worldwide from any kind of claim or damage seeking in any and all cases where you and/ or your entity being able to utilise our App and/or not being able to utilise the App at all either partially in any part or whole.
28. We do not provide any publishable or long term credit rating through this App.
    Plan A generates and provide you with an indicative credit score valid only for that financial quarter until the entity has a new data or 3 month time duration whichever happens earlier.
    Plan B generates and provide you with a short-term credit rating mapped against our credit rating scale or grading system and valid only for that financial quarter until the entity has a new data or 3 month time duration whichever happens earlier.
    You indemnify us completely, partly and/or totally from any differences or comparisons revealing that a score or rating provided by our App does not match, does not correlate or does not map and/or does not being same or similar with any such score and/or rating provided to you, your entity and/or for an entity you submitted data by any other score or rating provider existing in any country.
29. A credit score or credit rating is not any assurance, guarantee, suggestion or recommendation of credit risk, any other risk, repayment of or by the entity whose data is submitted to generate the score or rating in App.
    It is only an approximate estimation of relative degree of credit risk profile based on a set of parameters. We never know whether data submitted for flawed, accurate, quarterly or annual data. Our calculation and/or mapping is for an annual data and for some parameters we require three years of data.
30. Strategic Ratings Corporation USA is governed under laws of Govt of Delaware as a business entity and SEC, USA regulates the credit ratings agency however we Strategic Ratings Corporation, USA has neither obtained nor yet applied for being NRSRO status which is a voluntary registration system for any credit ratings agency in the USA. We aim to apply for NRSRO status after two or three years of operations in the USA. You clearly acknowledge and/ or accept that we are do not have NRSRO certification as on date as a credit ratings agency.
31. Our rating does not translate into exact debt repayment capacity of an entity which you obtain credit score or credit rating for. Our ratings scale mapping with a credit score or credit rating is an estimate or approximated calculation which is based on the global data we hold and the data you submitted for an entity. Therefore, our company or App is not responsible for any financial liability or any decision you take further utilising the score or rating bought from us either by directly using the score or rating or by other users, distributors, suppliers, sellers, re-sellers, funders, intermediaries or any subscriber using that score and/or rating in their decision making.
32. When you submit new data, your score or rating can be different from what was previously and similarly, if you submit same data, your score or rating still can be different because our data might have been updated in algorithm we run. Therefore, we are not liable for any difference in score or rating, whether high or low as compared to your previous score or rating or compared to any other supplier has given you or any entity a score or rating.
33. The other reason for change in your score or rating can be attributed to edit(s) or change(s) we make in our algorithm, technology, database, parameter(s) or variable(s) or statistical analyses and this may significantly or completely change or alter your credit score or credit rating and we reserve all such right(s) to make any changes without giving any notice or reason what-so-ever thereof.
34. We do not publish your score or rating and a service to publish your entity score or rating is not available right now. However, you can select a checkbox while buying a credit score or a rating that you would like to publish your all historical score(s) or rating(s) with dates and name of your entity (company) when we launch such a database service of live and previous score and ratings to search for in the Rate-O-Meter App.
35. As of now what you are buying is a type private or confidential credit score or short-term credit rating which we do not publish , and you can utilise them for the business of entity which you submit data for and buy a report for.
36. Disclaimer: we have taken care or being cautious and stringent in compiling data from our suppliers, preparing our databases and/or running our algorithms. We cannot provide any assurance, insurance, guarantee, warranty, adequacy, precision, neutrality, completeness, reliability, validity, longevity, useful or advantage when you buy score or rating from us and/ or further utilise that in your business.
37. You agree that you cannot and/or you shall not consider score or rating you obtained or bought from Rate-O-Meter App as an investment advice or recommendation to buy, hold or sell any product, security, contract, asset, equity, debt, bet, future, option, hedging, shares, stock, preference, bond, debenture, conversion, brand, company, site, portal or service.
38. SRUSA and/or CEO24X7 reserve all rights to edit, to modify, to update, to delete, to add, to associate or to link this App, its website, these agreement and its terms and conditions set forth here either in part or whole and/or without giving you and/or your entity any notice and/or reason what-so-ever. SRUSA and/or CEO24X7 and/or its any subsidiary reserve all rights to change or to increase fees or payments, restrictions, process, business practices, product or services offerings, portfolio, advertisements or external links, banners, client products in this App or its website for our products, services, scores and ratings to any proportion without any lower or upper limits and our owners and management decisions will be binding and final to you and/or your entity.
    Your continual use of this App and/or its website is considered as your agreement and acceptance to the modifications and/ or changes to these terms and conditions in future and you and/your entity completely and totally indemnify SRUSA, CEO24X7 and/or their all associates, partners, clients, employees, non-executives and franchisees worldwide.
39. This App operates in a way that an induvial has to register or sign-in and/or pay either for them or on behalf of an entity, and also submit the annual and financial data to buy or to generate a credit score or a credit rating for an entity. Therefore, you here by agree and confirm that you are legally authorised by organisation or company name you enter into registration details and your representation of that entity means that you have all valid and necessary authority and consent to do so on behalf of that entity and their management. If you are working or reporting to someone and entering someone else personal details as owner or authorised person for the entity then you should ensure that you have all legal rights and authority to disclose their details in registering and transacting on this App and/or its website. In case, you do not have such authority or legal right then you should not use this App and should not provide us any such information or data because SRUSA and/or CEO24X7 are not liable for your actions.
40. All intellectual properties and/or all content are protected by USA and/or UK laws where they are registered and/or where SRUSA and CEO24X7 companies are registered. You or your entity are not allowed to copy, transmit, use unfairly, sell, loan, lease or interfere with any trademark, trade secret, do any unfair competition with or unfair use. Any IP or trademark or trade secret shall not be copied, imitated, reproduced, disclosed in any part, as a code component or the whole. Any action amounting to reproducing, re-selling, re-displaying, re-transmitting, reverse-engineering or republishing is not allowed by any mean and/or in any form; and any such action from you or you entity or any of your stakeholder is and/or will be considered as a serious, lasting and an intentional breach of these terms and conditions.
41. Any graphics, images, service marks, trademarks, logos, slogans, acronyms can be of our clients, advertisers, franchisees, associates or partners and you/ your entity must refrain from any misuse, unfair advantage and/or any illegal action such as hacking, code breaking, tampered or interfered into any of the mentioned intellectual properties of any company in what-so-ever any manner. We have a zero-tolerance policy for this and you/your entity can be legally challenged, will be liable to pay claim or damage if found that you/ your entity has breached any terms or conditions and you/your entity’s account will be suspended and your access will be stopped with immediate effect without any notice or refund from SRUSA and/or CEO24X7 and relevant government agencies will be notified immediately of you/ your entity’s behaviour or action on this App or its website or any related or associated product or service of SRUSA, CEO24X7 or any third party associated with us.
42. You/your entity’s purchase or subscription on this App or its website and its usage is private, confidential and/or personal; and it is NOT transferable, loanable, sellable, amendable, distributable, leasable, transmittable, exportable or sub-licensable to any other party. While using your free registration or paid subscription, any attempt made to interfere with this App, code/ algorithm, its hosting, payment or rating systems, database, operation or overall technology is considered as serious breach of these terms and conditions; and/or illegal activity which will be reported to government agencies as per applicable law.
43. The limited activities you/ your entity can do on this App are: register, log-in or log-out, read static content, submit data, pay for score or report and download your invoices and/or score or ratings certificate or contact SRUSA. There is no other activity permitted on this App or its website.
44. CEO24X7 reserves the right and discretion that how and when it operates or continue this App or its website version, in case our business needs CEO24X7 may shutdown, discontinue or completely remove availability or access to this App or its website without giving any reason or notice.
45. You shall not disguise you or your entity’s profile as someone else or some other company’s profile; you shall not disguise the ownership and/or origin of the data you submit, or payment you make. You shall not create multiple fake profiles on this App or its website.
46. Any payment you or your entity make on this App or website shall be legal monies owned by you or the entity you are representing.
47. You agree to a fair usage, and not to use or access this App, its website or any of their components by unfair or illegal means or in a way even though if it is not available or mentioned in these terms and conditions.
48. You are strictly prohibited from and/or not permitted any activity to insert or modify anything in this App or its website using or deploying any information, code, programming loop, coded tools, viruses, files containing viruses, cookies, trojans, texts, links, hyperlinks, dummies, worms, crawlers, programmed patches, jumping IP addresses, any form of computer program or computerised system engaging with this App or its website to misuse, affect, attack, exploit, damage, interfere, frame, encase, point, forward, replicate, mirror, redirect, recur, black out, hide, disguise, iterate, divert, remove, obscure, stop, multiply, over-browse, over-use, over-click, hang, jam, traffic, delete, edit, transpose, shutdown, cover, mark, affiliate, mis-represent, ransom, steal, conceal, threat, infringe or intercept. Any such activity is considered a serious, lasting and intended breach of this agreement and terms and conditions, making you or your entity liable to pay any and/or all damages, claims, costs, payments, legal fees, insurance claims, civil or criminal liabilities, or staff expenses to SRUSA, CEO24X7 and/or our associates, partners, advertisers, clients or subscribers as applicable under laws of Government of Delaware (Federal or State Govt. of Delaware), Government of United States of America (USA) and/or Government of the United Kingdom (UK), or all applicable law enforcement agencies.
49. Our advertisements, links to external sites, external products, services which are provided by our clients, partners, licensees, advertisers are not responsibility of SRUSA or CEO24X7; and any availability of their websites, services, products, links, accounts or transaction with any third party is not our liability or accountability and you or your entity’s transaction is at you carry out at your own risk. It is for your convenience or as an added feature for your advantage; however any communication or transaction with those providers or their entities is not in the scope of this App or its website. You clearly and completely indemnify SRUSA and CEO24X7 both from any such transaction with them.
50. SRUSA or CEO24X7 does NOT provide any applied or implied guarantee, warranty, assurance, representation or claim that this App or its website will exactly perform, deliver, be available, be accurate or precise with any quality or quantity in any of its products, services, transactions, analyses, reports, algorithms or processes.
51. You or your entity hereby agrees that these terms and conditions along with this agreement, and your use, access, registration or subscription can be terminated, suspended or simply be removed at sole discretion or decision of SRUSA, CEO24X7 or any of our group and associated parties or clients without giving any notice or reason thereof what-so-ever to you or your entity even when other users are successfully using and accessing it.
    When you or your entity’s access or use of this App or its website is terminated or suspended then you or your entity must immediately stop using this App or it website and/or delete any information you have outside the scope of your actual subscription which has been obtained from this App or its website.
52. You agree to use this App or its website without adversely its content or performance. You or your entity is agreeing the fair use of this App and its website at your own risk and any risk to system or environment where you are accessing it from or your physical location. Any damage to your system or location is not our responsibility or liability.
53. We are providing this App or its website from SRUSA as it is permitted under the applicable law and any payment you make for a credit score or credit rating is received by SRUSA through online payment without storing your card details and invoice, receipt or any refund are provided by SRUSA.
    

    In case this App or its website usage it is NOT allowed in the country you or your entity  are accessing or using from, then please STOP immediately using this App or its website.

54. You or your entity are not allowed to re-sell any information or data from this App or its website.
55. SRUSA (its owner CEO24X7) provides services on the ‘as is where is’ basis and we completely and fully disclaim any type of guarantee, warranty or assurance either applied, understood, perceived, statutory or else concerning and/or regarding accuracy, precision, neutrality, completeness, innovation, content, calculation or including statistical analyses but not limited to.
56. Limited liability and Refund policy:
    SRUSA has a limited liability to the extent of only the amount of subscription only and not beyond that amount in case you or your entity use the credit score and/or credit rating bought from this App or website further and more. SRUSA, CEO24X7 or its associates, clients, advertisers, partners or any of our stakeholders are not liable for any type of direct, indirect, incidental, individual, institutional, consequential, punitive, class, category, exemplary, market, group or arbitrated claims, damages, expenses, fees, lost business, lost profit, lost information, lost data or reports, missed opportunities or missed advantages by use of this App, its website or being not available to use, or available to use but it is not working, and/or any information, score, rating, product or service you obtained either free of charge or by making a payment.
    Our refund policy is clearly stated below.
    You can cancel here your subscription at any time in Plan A or Plan B.
    
    

    Type of Plan	Type of Subscription	Total Price of Subscription in US Dollar	Refund Policy
    Gold            Plan A	Single Report	$3.99	No Refund
    Gold            Plan A	Annual 10 reports	$24.95	No Refund
    Premium    Plan B	Single Report	$24.95	No Refund
    Premium    Plan B	Annual 10 reports	$179.99	$100 refund is available when you utilise half or less than half of total annual subscription allowance that is up to 5 reports out of 10 reports. There is ‘No refund’ once you generate 6th credit rating report out of total 10 reports in this Plan B annual subscription.

    There is “no refund” once you/ your entity utilise or generate more than 5 reports out of total allowance of 10 reports in the Annual Subscription in Premium Plan B.
    For example, Premium Plan B annual subscription is $179.99. If you cancel this plan after generating 5 or less reports out of 10 repots subscription, then we refund $100.
    
    Please ensure before cancelling a subscription, you notify us and request a refund by writing to: RefundRequest@StrategicRatings.com

57. You and/or your entity agree to use this App or its website by complying applicable laws and/or as per terms and conditions stated herein and in a manner which does NOT represent, result, portray or reflect as reducing or damaging to our organisational interests, business needs, advantages, profit, quality, market share, positioning or overall reputation of SRUSA, CEO24X7 or any of our stakeholders.
58. You and/or your entity must not carry out any activity within this App or its website or in further using a credit score, credit ratings, reports, information or data obtained which results into or puts SRUSA, CEO24X7 and/or any of its subsidiaries, affiliates, partners, advertisers or clients in breach of these terms and conditions, agreement and/or any of the laws, rules, regulations, policies and/ or guidance as provided or stipulated by Governments of Delaware, USA or the UK. It is the whole and/or sole responsibility of you and/or your entity to comply with any of the laws including but not limited to export-import prohibited items in the country you are located such as export-import of information, data, reports, technology products, services, computerised program, software, or accessing a mobile application or making an online payment in particular currencies such as US Dollars through credit or debit card.
59. No variation of these terms and conditions, or agreement will be valid or binding unless it is recorded in writing and signed by all parties in presence of a public notary and all parties itself      in-person. You or your entity can not transfer, pledge, or assign these terms and conditions or this agreement and/ or any of its rights, benefits or obligations or any dues to any third party without prior written permissions from SRUSA and CEO24X7 both.
60. Unless otherwise agreed, no delay, act or omission by our company in exercising any right, clause, term, condition or remedy will be deemed as a waiver of that, or any other, right or remedy for any of the terms or conditions or any clause of this agreement.
61. If any court or competent authority finds that any provision (or part) of these terms and conditions or this agreement is invalid, illegal or unenforceable, that provision or part of provisions will not affect any other clauses or provisions of these terms, conditions and/or  overall terms, conditions and/or  agreement will not be affected.
62. Unless specifically provided by the parties, nothing in the agreement will establish any partnership or joint venture between the parties or mean that one party becomes the agent of the other party, nor does the agreement authorise any party to enter into any commitments for or on behalf of the other party.
63. Any notice (other than in legal proceedings) to be delivered under the agreement must be in writing and delivered by pre-paid first class post to or by hand delivery at the other party’s registered address or place of business, or sent by fax to its main fax number, or sent by email to its email address as notified to the sending party. Any Notice:
    
    • Sent by post locally will be deemed to have been received, where posted from and to addresses locally in the USA or UK, on the fourth working day and, where posted from or to address outside the USA or UK, on the tenth working day following the date of posting
    • Delivered by hand will be deemed to have been received at the time the notice is left at the proper address; and
    • Sent by fax will be deemed to have been received on the next working day after transmission
    • Sent by email will be deemed to have been received on receipt of confirmation of receipt from the recipient.
64. Governing Law and Jurisdiction: This agreement is governed by and is to be construed in accordance with the laws of the state of Delaware, USA. Any or all disputes arising under these terms and conditions and/or agreement including non-contractual disputes or claims shall be subject to the exclusive jurisdiction of the Delaware or USA courts. Specifically, for the transactions with SRUSA for the purposes of registration, purchase of credit score or credit rating or services provided through this App, or its website is Governed by the federal laws of state of Delaware and Government of USA where Strategic Ratings Corporation is a registered entity in Delaware. For the purposes of how this App or its website work, and/or its technology is owned by CEO24X7 Limited, UK which is governed by laws of England and jurisdiction of English courts in the United Kingdom.
65. Interpretation of all terms and conditions and/ or this agreement: In these terms and conditions and/or this agreement, unless the opposite is clear from the context, all singular words include plural ones and vice-versa, all references to paragraphs, schedules, clause, terms or conditions are to the ones in this document; and all references to you/ your entity include any, each or all person or company or entity who registers and create an account or buy product or service from this App or its websites; and all references to our companies include SRUSA, CEO24X7 or its subsidiaries, brands, trademarks, portals, businesses, or business divisions.
66. Entire terms and conditions and this agreement: All terms and conditions along with this agreement constitute the sole agreement between you and/or your entity and SRUSA and/or CEO24X7 as all the parties and supersedes any or all oral negotiations and prior writings with respect to the subject matter hereof.
67. Severability: If one of more provisions of this assignment are held to be unenforceable under applicable law, the parties agree to renegotiate such provision in good faith. If the parties cannot reach a mutually agreeable and enforceable replacement for such provision, then the decision of the SRUSA or CEO24X7 management will be binding and final to all parties; and the balance of this agreement will be interpreted as complete and enforceable in accordance with all other clauses, terms and conditions. Any waiver of any of these terms and conditions in this agreement will not be construed as a waiver of any other clause, terms and/or conditions and all other terms and conditions will be considered as valid and effective.
68. Advice of Counsel: You or your entity and all parties, their representatives, witnesses or each party involved in this agreement acknowledges that, in executing this agreement, such party has had the opportunity to seek the advice of an independent legal counsel; and each party has read and understood all of the terms, conditions, thresholds, rights, provisions, clauses, details and annexures of these terms, conditions and agreement. This agreement will not be construed against any party by reason of the drafting or preparation hereof.
69. These terms, conditions and agreement is valid until any modification is done by SRUSA or CEO24X7 and it is effective between parties as long as you or your entity are using this App and/or its website and/or our companies continue to provide products or services through this App or its website, unless we delete or suspend your account, or you or your entity makes a request to remove or to delete your account and/ or registration.
70. Privacy, cookies, monitoring and tracking policy:
    
    • We are committed to protect your data and hence, we do not sell or bundle your company’s data or authorised person’s data of your entity to sell to any other party; unless they are offering you their products or services as a feature on this App, or you visit or register on their websites, external sites, linked portals to check or avail their services or products as our partners, clients, advertises, franchises or affiliates. This happens by way automatically and that is how we are able to offer you or your entity more customised and better products or services.
    • We collect and store only data you provided for registration purposes, data you submitted for generating or buying a credit score or credit rating, and your invoice or ratings report history. We do not store you or your entity’s payment card details and not even your registration passwords ! so, it is your sole responsibility to save your account passwords, terms and conditions and agreement and your payment details and copies of data you submitted and score or ratings certificates you generated, paid for or downloaded.
    • We monitor and track that which parts of this App or its websites are more useful for the purposes to improve our proacts or services, or services of our clients for you or your entity.
    • This App, its website, any of our products and/or services are intended to be used by persons who have reached legal age to sign document themselves and enter into agreement on their own. Therefore, it is not intended for children or normally persons under the age of 21 years who are not sophisticated users of data, agreements, payments, credit or debit cards, credit risk, credit score, credit rating or financial or annul data of registered or legal entities. Hence, we do not knowingly and/or intentionally collect and/or store any data for children or users who are actually not intended users of this App or its websites.
    • The data as a controller is collected by Rate-O-Meter Mobile Application and its website: RateOMeter.App, provided to you by SRUSA and ultimately owned by CEO24X7. Hence, Strategic Ratings Corporation USA is the controller and responsible for this App and/or website. We have an appointed privacy or data protection officer. Your first point of contact for any privacy or data management is: contact@strategicratings.com
    • For data purposes, parent company CEO24X7 Limited, UK is registered with Information Commissioner’s Office (https://ICO.org.uk) as a regulator for the data management and certifying authority. As responsible companies SRUSA and CEO24X7 both are able and aim to resolve any query or concern; and your feedback or any concern you or your entity may have is much valuable for us to improve our service. We would like to hear from you in the first place and you can write to: contact@strategicratings.com for the same.
    • We store only registration of entity data as assured earlier so if any of that data is changed then please notify us or update in your account section on this App or its website. We do NOT store any personally identifiable or payment related information except you or your entity data as an organisation for the purposes of registration and further credit score or credit rating for a private or listed corporates.
    • SRUSA or CEO24X7 do not provide any individual’s credit score or credit rating so we do not have, we do not collect or we do not store anyone’s personal data apart from their data as an authorised signatory to register for an entity as they represent a company either they own or work for as a person.
    • We have clients, advertisers, affiliates, service providers and when you or your entity click either to obtain information or to buy their products or service, then at that point these organisations or providers may collect your personal or entity’s data or both or more, which we do not control and we are not liable for that. We do not control any data issues or their websites or any data storage or retrieval with these third parties.
    • Some of these third parties we have service agreements with about what we provide them as data and what they provide us and in such case their technology and arrangement of data control and management will supersede this privacy policy.
    • We collect and analyse data of organisations or companies as they are our potential clients but not personal data as we are into business of corporate credit score or credit ratings or management consulting. We selectively call companies or approach companies as they are our potential client cluster or network for future business with them.
    • We categorically confirm and assure that we do not collect any personal data of individuals such as their height, weight, date of birth, payment card, race, religion, ethnicity at all.
    • The minimum data for effective and full use of this App or its website will be needed as a part of registration, entering into an agreement, or to buy our products or services and in case you or your entity can not provide this minimum information or data then services will be interrupted, and we will not be liable for that. For example, if you do not submit a complete data we requested for a credit score then it will not generate a credit score report. We also collect entity’s data to advertise, promote, sell, market and develop future clients or business and we save registration data for this and analyse them.
    • We do not use cookies and when we use we will update our privacy policy for that.
    • We are not responsible or liable if any data or information available or utilised to run or operate to make this App or its website available is not precise, correct, accurate, complete or as per current trend. Therefor, before making any decision using data or information or report or score or rating from this App or its website, you or your entity are suggested to seek a professional advice for more accurate or time information for you or your entity. It is your sole responsibility to seek such advice and SRUSA and/or CEO24x7 have no role, responsibility or liability in that.
71. You or your entity are free to copy, download, print or save the available version of these terms and conditions and/or agreement for your records at the time of registration or acceptance of this agreement; and at the same time, you and your entity both forego any other right for this document to be written, printed or sent to you or your entity by SRUSA or CEO24X7. You and your entity both agree that it is your sole responsibility to save the document for your own records.
    

    The consideration of effective date for acceptance of these terms and conditions as an agreement and/or as an integral part of your use, registration or purchase on this App or its website is the date and time of your automated signature and selecting the box that states “I (myself), and/or my company, or we have read, understood and hereby agree in full consciousness any and all of these terms and conditions as an agreement to use, register, purchase, make payment, submit, generate, download or to further use of this App or its website or other portals or services provided by SR USA, CEO24X7 and/or its subsidiaries, affiliates, clients, advertisers, partners, associates or franchisees.”