Intellectual Property Policy

1. Overview

CreditMitra Technologies Pvt. Ltd. ("CreditMitra," "we," "us," or "our") respects intellectual property rights and expects users to do the same. This Intellectual Property Policy outlines our rights, your rights, and the proper use of intellectual property on our platform.

2. CreditMitra's Intellectual Property

2.1 Copyrighted Materials

The following materials are owned by CreditMitra and protected by copyright laws:

• Website content, including text, articles, and blog posts
• Mobile application interface and user experience design
• Software code, algorithms, and technical implementations
• Graphics, images, icons, and visual elements
• Videos, animations, and multimedia content
• Financial calculators and tools
• Educational materials and guides

2.2 Trademarks

The following are registered trademarks or trademarks of CreditMitra:

• "CreditMitra" name and logo
• Company slogans and taglines
• Product names and service marks
• Distinctive design elements and color schemes
• App icons and branding elements

3. User Rights and Permitted Uses

3.1 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our website and mobile application
• View and download content for personal, non-commercial use
• Share our content through provided social sharing features
• Print materials for personal reference

3.2 Restrictions

You may NOT:

• Reproduce, distribute, or publicly display our content without permission
• Modify, adapt, or create derivative works from our materials
• Use our trademarks or logos without written authorization
• Reverse engineer, decompile, or disassemble our software
• Remove copyright notices or proprietary markings
• Use our content for commercial purposes without a license

4. User-Generated Content

4.1 Ownership

You retain ownership of content you create and submit to our platform, including:

• Reviews and ratings
• Comments and feedback
• Profile information and photos
• Forum posts and discussions

4.2 License to CreditMitra

By submitting content, you grant CreditMitra a worldwide, royalty-free, non-exclusive license to use, reproduce, modify, adapt, publish, translate, and distribute your content in connection with our services.

5. Third-Party Intellectual Property

• We respect third-party intellectual property rights
• Our platform may contain content licensed from third parties
• Bank logos and financial institution marks are owned by respective entities
• Third-party content is used under appropriate licenses or fair use provisions
• We do not claim ownership of third-party intellectual property

6. Copyright Infringement Claims

6.1 DMCA Compliance

We comply with the Digital Millennium Copyright Act (DMCA) and similar laws. If you believe your copyrighted work has been infringed, please provide:

• Identification of the copyrighted work claimed to be infringed
• Location of the allegedly infringing material on our platform
• Your contact information (name, address, phone, email)
• A statement of good faith belief that use is not authorized
• A statement of accuracy and authority to act on behalf of the owner
• Your physical or electronic signature

6.2 Notice and Takedown

Send copyright infringement notices to: legal@creditmitra.com. We will investigate and take appropriate action, which may include removing the allegedly infringing content.

7. Trademark Usage Guidelines

7.1 Authorized Use

You may use our trademarks only with written permission for:

• News reporting and editorial use
• Academic research and education
• Comparative advertising (with restrictions)
• Authorized partnerships and integrations

7.2 Prohibited Uses

• Using our marks in a way that suggests endorsement
• Incorporating our marks into your company name or domain
• Modifying or altering our trademarks
• Using our marks for competing services
• Creating confusion about the source of goods or services

8. Software and Technology

8.1 Proprietary Technology

• Our algorithms and software are proprietary and confidential
• Reverse engineering or decompilation is prohibited
• API access is governed by separate terms and conditions
• Security measures and implementations are trade secrets

8.2 Open Source Components

Our software may include open source components, each governed by their respective licenses. We comply with all open source license requirements and make attributions available upon request.

9. Data and Analytics

• Aggregated and anonymized data insights are our intellectual property
• Market research and analysis reports are protected by copyright
• User behavior patterns and analytics are confidential business information
• Database rights apply to our compiled information

10. International Considerations

• Our intellectual property rights extend globally where applicable
• We respect local intellectual property laws in all jurisdictions
• International trademark registrations may apply
• Cross-border enforcement may be pursued for violations

11. Enforcement and Remedies

• We actively monitor and protect our intellectual property rights
• Violations may result in account termination and legal action
• We may seek injunctive relief and monetary damages
• Repeat infringers will be permanently banned from our platform

12. Updates and Changes

This Intellectual Property Policy may be updated from time to time. We will notify users of material changes through our platform. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact Information

For intellectual property matters, licensing inquiries, or to report violations, contact us: