Service Terms & Conditions

1. About these terms

These terms govern your use of Samarthya, a service operated by Creditbucket Technologies Private Limited ("Creditbucket", "we", "us"). By creating an account or using the service, you agree to them. If you are under 18, a parent or legal guardian must agree on your behalf.

2. What we provide

Samarthya helps applicants discover scholarship opportunities, review their documents, prepare application information and coordinate the application process. Creditbucket is not a scholarship provider, funder or decision-maker. We act only as a facilitator.

3. No guarantee of outcome

Using Samarthya or paying the service fee does not guarantee eligibility, shortlisting, admission, scholarship approval, fee waiver, award amount or disbursement. Every institution or provider makes its own independent decision under its own rules.

4. Your responsibilities

You must give accurate, complete and current information and submit only genuine documents. We may pause or stop processing an application if we find false, misleading or incomplete information.

5. Service fee

The service fee is shown before you pay. It is charged by Creditbucket for the Samarthya service only and is separate from tuition, admission fees, examination fees or any scholarship amount. GST is shown separately wherever it applies.

6. How the fee is calculated

The fee is charged once per applicant service request. When the selected opportunities fall under different fee slabs, only the highest applicable slab is charged. Slabs are never added together. The total, including any GST, is displayed before payment.

7. Selected opportunities and validity

The service covers only the opportunities you selected before payment. After payment you must submit the required form and documents within 5 calendar days. The service remains active for 3 calendar months from the activation date. To add a new opportunity, you create a new service request and make a new payment.

8. Decisions by institutions and providers

An institution or provider may ask for more information, verify your claims and accept or reject an application according to its own disclosed rules. Creditbucket cannot override these decisions.

9. Refunds

Please read our Refund & Cancellation Policy, which forms part of these terms.

10. Communication

We send service updates to your registered email address and show them in your account. Promotional messages are sent only if you have separately chosen to receive them, and you can opt out at any time without affecting your service.

11. Account security

Keep your password confidential. You are responsible for activity under your account. Tell us promptly if you suspect unauthorised access.

12. Limitation of liability

To the extent permitted by law, Creditbucket is not liable for decisions made by institutions or providers, for delays caused by them, or for indirect or consequential losses. Our total liability for any claim relating to the service is limited to the service fee you paid for that request.

13. Changes to these terms

We may update these terms from time to time. Material changes will be notified through your account or by email, and the version shown on this page will change.

14. Grievances

Our Grievance Officer's name and contact details are listed in the footer of this website. We aim to acknowledge complaints promptly and resolve them within a reasonable time.

15. Governing law

These terms are governed by the laws of India. Courts at the location of our registered office have jurisdiction, subject to applicable law.