Legal

Terms of Use

Plain terms, published in full.
Posted as of: 24th October, 2026 · Last Updated as of: 24th October, 202629 sections

Welcome To Orcred’s Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website operated by Orcred Technologies Private Limited under the brand name "Orcred" ("Orcred", "Company", "we", "us" or "our"), including the websites available at orcred.com and dashboard.orcred.com, together with all related pages, functionalities, services, content and features made available through the website (collectively, the "Platform").

By accessing, browsing, registering on, submitting information through, purchasing any service from, or otherwise using the Platform, you acknowledge that you have read, understood and agreed to be legally bound by these Terms, together with the Privacy Policy, the Payment and Refund Policy (when payments are enabled on the Platform), the consents you give on the Platform and any other policies, notices or guidelines published by Orcred from time to time.

If you do not agree to these Terms, you must not access or use the Platform or any Services made available through it.

These Terms constitute a legally binding agreement between you and Orcred and shall be treated as an electronic record in accordance with the Information Technology Act, 2000, and the rules and regulations made thereunder, as amended from time to time. The Terms are generated by an electronic system and do not require physical or digital signatures for their validity and enforceability, to the extent permitted under Applicable Law.

1. Definitions and Interpretation

1.1 Definitions

Unless the context otherwise requires, the following expressions shall have the meanings set out below:

a.

"Applicable Law"

means all applicable laws, statutes, enactments, ordinances, rules, regulations, notifications, circulars, governmental directions and judicial or administrative orders having the force of law in India, as amended or replaced from time to time.

b.

"Candidate" or "Student"

means an individual who accesses the Platform for the purpose of submitting a project for technical verification, participating in a verification session and obtaining an Orcred Score or credential, where eligible.

c.

"Content"

means all text, information, data, graphics, photographs, videos, audio, software, user interfaces, visual interfaces, trademarks, logos, service marks, brand names, designs, assessment materials, questions, methodologies, reports and other materials made available through the Platform.

d.

"Credential"

means the digital credential or other verification credential issued by Orcred to a Candidate who successfully completes and passes the verification process in accordance with Orcred's assessment criteria.

e.

"Orcred Score"

means the score or assessment outcome generated by Orcred following completion of a Candidate's technical verification process based on the assessment methodology adopted by Orcred.

f.

"Platform"

means the websites orcred.com and dashboard.orcred.com and all related webpages, systems, software, databases, interfaces, tools and technological infrastructure operated or controlled by Orcred.

g.

"Reviewer"

means an individual independently engaged by Orcred to conduct technical review and verification sessions for Candidates.

h.

"Services"

means the technical verification, assessment, review, credentialing and related services made available by Orcred through the Platform.

i.

"Session"

means the live technical verification session conducted between a Candidate and an assigned Reviewer through the Platform or a third-party video-conferencing service designated by Orcred.

j.

"User"

means any person accessing or using the Platform, including Candidates and Reviewers, as applicable.

1.2 Interpretation

References to the singular shall include the plural and vice versa. References to any gender shall include all genders. The expressions "including", "includes" and "such as" shall be construed without limitation. Headings are inserted for convenience and shall not affect interpretation.

2. Platform Overview

Orcred is a technology-enabled technical verification platform intended primarily for AI/ML engineers and other technical professionals seeking independent verification of their demonstrated understanding of a project or technical work.

Orcred facilitates live technical verification sessions conducted by independent technical Reviewers who review the Candidate's submitted project materials before the Session and subsequently conduct a structured live assessment.

The verification process is intended to assess the Candidate's demonstrated understanding of the submitted project and related technical decisions. A Candidate who successfully satisfies Orcred's applicable assessment standards may receive an Orcred Score and a publicly verifiable Credential.

Orcred is not an employment agency, recruitment agency, placement agency, educational institution or career advisory service. Participation in the verification process or receipt of a Credential does not guarantee employment, placement, interviews, compensation, admission, promotion or suitability for any particular role.

3. Services on the Platform

Subject to these Terms of Use and the applicable requirements communicated by Orcred from time to time, Orcred provides a technology-enabled platform for the technical verification and assessment of AI/ML engineering candidates. The Services available through the Platform may include, without limitation:

a.

Candidate Registration and Application: enabling Candidates to register on the Platform, submit applications and provide information and materials required for the technical verification process;

b.

Project Submission and Review: enabling Candidates to submit project repositories, source code, project documentation, walkthroughs, declarations regarding the use of artificial intelligence tools and other information relevant to the assessment, and facilitating the review of such materials by the assigned Reviewer;

c.

Reviewer Assignment: facilitating the assignment of an appropriately qualified technical Reviewer based on the nature of the Candidate's submission and Orcred's applicable assessment requirements;

d.

Live Technical Verification: scheduling and facilitating live technical verification sessions during which the Candidate's understanding, technical knowledge and ability to explain and demonstrate the submitted work may be assessed;

e.

Identity Verification: carrying out or facilitating identity verification and other verification procedures required to maintain the integrity and authenticity of the assessment process;

f.

Assessment and Evaluation: facilitating the evaluation of the Candidate based on Orcred's prescribed assessment methodology, evaluation framework and applicable scoring criteria;

g.

Orcred Score and Credential: issuing an Orcred Score and, where the Candidate satisfies the applicable requirements, a corresponding digital credential or other verification issued by Orcred;

h.

Credential Verification: maintaining a publicly accessible or otherwise verifiable credential page or verification mechanism through which the authenticity of an Orcred Credential may be verified; and

i.

Ancillary Services: providing such other features, tools, functionalities and services as may be introduced, modified or made available by Orcred from time to time in connection with the Platform and its verification services.

Orcred may, at its discretion, modify, update, suspend, restrict, discontinue or replace any Service, feature, assessment methodology or Platform functionality, whether temporarily or permanently, where reasonably required for operational, technological, commercial, security, legal or regulatory reasons. Where reasonably practicable, Orcred may provide prior notice of any material changes that are likely to substantially affect the Services.

The availability of any particular Service, assessment slot, Reviewer, Credential or Platform functionality is subject to Orcred's operational requirements and applicable eligibility criteria, and Orcred does not guarantee that any particular Service or functionality will be continuously available or accessible to every User.

4. Eligibility

4.1 Age Requirement

The Platform is strictly intended for persons who are 18 years of age or older.

By registering or using the Platform, you expressly confirm that:

a.

you are at least 18 years of age;

b.

you have the legal capacity to enter into a binding agreement; and

c.

the information provided by you is true and accurate.

The Platform is not intended for minors. Orcred does not knowingly collect personal data from persons below 18 years of age.

If Orcred becomes aware that personal data has been submitted by a minor, Orcred may take appropriate steps to delete such information in accordance with Applicable Law.

5. Registration and Account Operations

5.1 Registration

a.

Certain Services may require you to register an account with Orcred.

b.

Candidates may be required to provide information including, without limitation:

i)

full name;

ii)

email address;

iii)

10-digit Indian mobile number;

iv)

college name;

v)

graduation year;

vi)

LinkedIn profile URL;

vii)

project name;

viii)

technology stack;

ix)

GitHub repository URL;

x)

Loom walkthrough video URL;

xi)

key technical build decisions;

xii)

information regarding issues encountered during development;

xiii)

declaration of AI tools used in developing the project; and

xiv)

availability windows for Session scheduling.

c.

Orcred may request additional information where reasonably necessary to provide the Services, verify identity, prevent fraud, maintain platform integrity or comply with Applicable Law.

5.2 Accuracy of Information

a.

You shall ensure that all information submitted to Orcred is true, accurate, complete and not misleading.

b.

You shall promptly update information where any material change occurs.

c.

Orcred may suspend, reject or terminate an account where it reasonably believes that information supplied by the User is false, inaccurate, fraudulent or misleading.

5.3 Account Security

a.

Orcred does not use passwords. You sign in with a one-time link or code sent to your email address, so you are responsible for keeping that email account secure and for all activities carried out through your account.

b.

You shall immediately notify Orcred if you become aware of any unauthorised access, compromise or misuse of your account.

5.4 Your Data

a.

You can download a copy of your data, change your email address and delete your account from your profile on the Platform. What deletion does is set out in the Privacy Policy.

6. Candidate Responsibilities

By submitting an application for verification, the Candidate represents and undertakes that:

a.

the project submitted for verification is substantially the Candidate's own work;

b.

the Candidate shall personally attend and participate in the assigned Session;

c.

no other person shall impersonate or participate on the Candidate's behalf;

d.

all material information concerning the project has been truthfully disclosed;

e.

all AI tools used in developing the project have been disclosed in the manner prescribed by Orcred;

f.

the Candidate shall not receive unauthorised assistance during the Session;

g.

the Candidate shall not attempt to manipulate, circumvent or compromise the verification process; and

h.

the Candidate shall comply with all reasonable instructions and technical requirements communicated by Orcred.

Any material misrepresentation, impersonation, fraud, cheating, unauthorised assistance or attempt to circumvent the verification process may result in immediate disqualification, cancellation or revocation of the Credential and permanent ineligibility to use the Platform.

7. Project Submissions and Intellectual Property

7.1 Candidate Ownership

a.

Candidates retain all ownership rights, title and interest in their projects, source code, repositories, technical documentation, designs and other materials submitted through the Platform ("Candidate Materials").

b.

Orcred does not acquire ownership of Candidate Materials merely because such materials are submitted for verification.

7.2 Limited Licence to Orcred

a.

By submitting Candidate Materials, you grant Orcred a limited, non-exclusive, royalty-free licence to access, reproduce, process, display and use such Candidate Materials solely to the extent reasonably necessary for:

i)

conducting the technical verification;

ii)

enabling Reviewers to evaluate the project;

iii)

generating assessment results;

iv)

quality assurance and dispute resolution;

v)

preventing fraud and maintaining the integrity of the verification process; and

vi)

operating and administering the Platform.

b.

This licence shall not be interpreted as a transfer or assignment of ownership of the Candidate Materials.

7.3 Candidate Responsibility

You represent that you have the necessary rights and permissions to submit the Candidate Materials and that such submission does not knowingly infringe the intellectual property or other rights of any third party.

8. Technical Verification Process

8.1 Project Review

Before the Session, the assigned Reviewer may review the project information and materials submitted by the Candidate, including the GitHub repository, project walkthrough video, technical decisions, development challenges and AI-use declaration.

8.2 Live Session

a.

The Session lasts 45 minutes from the booked time. The call opens 15 minutes before the booked time. After the 45 minutes there is a 15-minute wrap-up, after which the call ends automatically.

b.

The Session may involve technical questions, discussion of implementation decisions, evaluation of technical understanding and other assessment activities determined by Orcred.

c.

If the Candidate or the Reviewer has not joined within 15 minutes after the booked time, that person is treated as a no-show and the Session is cancelled automatically.

8.3 Identity Verification

a.

The Candidate may be required to establish identity by displaying a valid government-issued photo identification document on camera.

b.

The Reviewer confirms on the Platform that the name on the document matches the Candidate’s name. Orcred does not store a copy of the document, but it will usually be visible in the Session recording, which is retained under clause 10.3.

8.4 Reviewer Assignment

a.

Reviewer assignment shall remain entirely within Orcred's discretion.

b.

Candidates shall not have the right to select, request or reject a particular Reviewer.

c.

Reviewers keep their camera off and appear in the Session as “Reviewer”. Orcred shall not disclose the identity of the assigned Reviewer to the Candidate before, during or after the Session, except where disclosure is required by Applicable Law. The Candidate must keep their camera on throughout the Session.

d.

Where a verification fee is payable, a Reviewer is assigned only after Orcred has confirmed the payment.

8.5 Rescheduling and Rebooking

a. Before the booked time, a Candidate may ask for new times through the Platform.

b. Reviewers cannot move a Session themselves.

c. After a Session has ended, only Orcred can rebook it, for example after a technical failure or an unsuccessful identity check.

d. A rebooked Session is part of the same application and is not a new application.

9. Assessment, Scoring and Credentials

9.1 Independent Assessment

a.

Each Candidate shall be evaluated based on the Candidate's demonstrated technical understanding and performance during the verification process.

b.

The assessment shall be conducted in accordance with Orcred's assessment framework and standards.

c.

Every Candidate is scored on all four assessment dimensions at the weights published on the Platform: Technical depth 35%, Communication 25%, Problem solving 25% and Reproducibility 15%. No dimension is left out. The pass mark is an Orcred Score of 60.

d.

Orcred reviews scores before they are released and may ask the Reviewer to clarify or correct an error, but does not change a Reviewer’s scores.

9.2 No Guarantee of Passing

Payment of the verification fee, or Orcred’s waiver of it, entitles the Candidate to participate in the verification process but does not guarantee a passing result, a particular Orcred Score or issuance of a Credential.

Orcred may waive the verification fee in whole or in part, for example for an early group of Candidates or for a repeat Session after a failure on Orcred’s side. A Session for which the fee is waived is otherwise subject to these Terms in the same way as a paid Session.

9.3 Orcred Score

The Orcred Score reflects the Candidate's performance in the specific verification process and shall not constitute a representation regarding the Candidate's overall professional competence, future performance or suitability for employment.

9.4 Project-Specific Credential

a.

The Credential and Orcred Score relate to the specific project submitted and assessed.

b.

A Score or Credential shall not automatically transfer to another project, employment position, professional qualification or subsequent application.

9.5 Public Verification

a.

Candidates who successfully pass the verification process may receive a permanent publicly verifiable Credential accessible through a URL hosted on the Orcred Platform.

b.

The public verification page may display information including:

i)

Candidate name;

ii)

project name;

iii)

Orcred Score;

iv)

assessment dimension breakdown;

v)

the date the Credential was issued; and

vi)

a unique credential identifier.

c.

By applying for verification, the Candidate acknowledges and consents to such information being made publicly accessible for the purpose of verifying the authenticity of the Credential.

9.6 Credential Revocation

Orcred reserves the right to suspend or revoke a Credential where it subsequently identifies fraud, misrepresentation, impersonation, material breach of these Terms or other circumstances that undermine the integrity or validity of the verification process.

10. Session Recording

10.1 Recording

a.

All live Sessions may be recorded through the third-party video-conferencing infrastructure used by Orcred, including Daily.co.

b.

Before recording starts, both the Candidate and the Reviewer confirm their consent on the Session page.

c.

The recording is started by Orcred’s systems. Neither the Candidate nor the Reviewer can make their own recording through the Platform.

d.

A recording contains the Candidate’s video, anything the Candidate shares on screen, and the voices of the Candidate and the Reviewer.

10.2 Purpose of Recording

Recordings may be used by Orcred solely for legitimate purposes including:

a.

quality assurance;

b.

assessment integrity;

c.

reviewer quality monitoring;

d.

fraud detection;

e.

dispute resolution;

f.

internal audit; and

g.

compliance.

10.3 Retention

Session recordings shall ordinarily be retained for 90 days and thereafter permanently deleted, unless a dispute, investigation, legal requirement or other lawful basis requires continued retention.

10.4 Access to Recordings

a.

Session recordings can be viewed only by authorised Orcred administrators. Candidates and Reviewers, including the Reviewer who conducted the Session, are not entitled to access, download, copy or obtain Session recordings.

b.

Session recordings are maintained for Orcred's internal quality assurance and dispute-resolution purposes.

11. Resubmission Policy

a.

A Candidate who does not pass may submit a new application without any waiting period, subject to payment of the applicable verification fee unless Orcred waives it. A Candidate may have only one application in progress at a time and may submit up to 3 applications in any period of 3 months. Orcred may pause new applications at any time.

b.

Each resubmission shall be treated as an entirely independent verification process.

c.

A resubmission shall ordinarily involve:

i)

a new application;

ii)

a new Reviewer;

iii)

a fresh assessment;

iv)

new questions and evaluation; and

v)

no reliance upon or reference to the previous Session or Score for purposes of the fresh assessment.

d.

Payment of a resubmission fee does not guarantee a passing result.

12. Reviewer Terms

a.

Reviewers are engaged by Orcred as independent contractors and are not employees, agents, partners or representatives of Orcred.

b.

Reviewers are required to conduct Sessions honestly, independently, professionally and in accordance with Orcred's applicable assessment framework.

c.

Reviewers shall not:

i.

coach or assist Candidates during assessments;

ii.

solicit Candidates for private coaching, employment or other paid arrangements;

iii.

accept unauthorised payments, gifts or benefits from Candidates;

iv.

independently record Sessions;

v.

access, download or retain Candidate Materials beyond the period permitted under the applicable Reviewer Agreement or for any purpose other than conducting the assigned Session.

vi.

disclose Candidate information;

vii.

manipulate or fabricate Scores or assessment reports; or

viii.

attempt to circumvent Orcred's Platform or business relationships.

d.

Orcred reserves the right to suspend or remove a Reviewer from the Platform immediately where necessary to protect the integrity, security or reputation of the Platform.

e.

Reviewer-specific terms may additionally be governed by a separate Founding Reviewer Agreement, Reviewer Agreement, NDA or other contractual document executed between Orcred and the relevant Reviewer.

13. Prohibited Use

Users shall not:

a.

provide false, inaccurate or misleading information;

b.

submit a project that they did not build or are not authorised to submit;

c.

impersonate another person;

d.

permit another person to attend a Session on their behalf;

e.

obtain or provide unauthorised assistance during an assessment;

f.

attempt to identify, contact or influence a Reviewer outside the authorised Platform process;

g.

share Session questions or assessment materials with other Candidates;

h.

record a Session without express authorisation;

i.

reverse engineer, interfere with or compromise the Platform;

j.

attempt to circumvent Orcred's verification or credentialing process;

k.

upload malicious software or harmful code;

l.

infringe third-party intellectual property or privacy rights;

m.

use the Platform for unlawful, fraudulent or abusive purposes; or

n.

engage in any activity that may compromise the integrity, security, reputation or operation of Orcred.

14. Intellectual Property of Orcred

a.

All intellectual property relating to the Platform, including the Orcred name and brand, logos, software, design, user interfaces, assessment methodology, scoring framework, assessment questions, databases, documentation, processes, graphics and other proprietary materials, belongs to Orcred or its licensors.

b.

Except as expressly permitted under these Terms, no User shall copy, reproduce, modify, distribute, publish, transmit, create derivative works from, reverse engineer, commercially exploit or otherwise use Orcred's intellectual property without prior written permission.

c.

Nothing contained in these Terms grants a User any ownership interest in Orcred's intellectual property.

16. Platform Availability and Technical Issues

a.

Orcred aims to maintain reasonable availability and operational reliability of the Platform, subject to maintenance, upgrades, technical limitations and circumstances beyond Orcred's reasonable control.

b.

Scheduled maintenance may be communicated to Users in advance where reasonably practicable.

c.

Orcred shall not be responsible for interruptions caused by third-party service providers, including video-conferencing platforms, payment gateways, internet service providers, hosting providers or communication networks, except to the extent required under Applicable Law.

d.

Where a technical failure on Orcred’s side, or the Reviewer’s failure to attend, prevents completion of a Session, Orcred will rebook the Session at no cost or, where a fee was paid, refund it in full.

17. No Employment or Professional Guarantee

a.

Orcred does not provide employment, recruitment, placement, career or professional advisory services.

b.

An Orcred Score or Credential:

i.

does not constitute a guarantee of employment;

ii.

does not guarantee a Candidate's suitability for any particular role;

iii.

does not guarantee salary, promotion, admission or professional success;

iv.

does not constitute a professional qualification or licence; and

v.

reflects the Candidate's demonstrated performance in the specific verification process.

c.

Employers, recruiters and other third parties may independently determine whether and how to use or rely upon an Orcred Credential.

d.

Orcred shall not be responsible for employment decisions made by any third party based on an Orcred Credential.

18. Disclaimer of Warranties

To the maximum extent permitted under Applicable Law, the Platform and Services are provided on an "as is" and "as available" basis.

Orcred does not warrant that:

a. the Platform will always be uninterrupted or error-free;

b. the Platform will meet every User's particular requirements;

c. assessment outcomes will produce any particular employment or professional outcome; or

d. third-party services integrated with the Platform will remain continuously available.

Nothing in these Terms shall exclude any warranty, right or remedy that cannot lawfully be excluded under Applicable Law.

19. Limitation of Liability

a.

To the maximum extent permitted under Applicable Law, Orcred's aggregate liability arising out of or relating to a User's use of the Platform or Services shall not exceed the total fee actually paid by that User to Orcred for the specific verification Session giving rise to the claim, currently being ₹1,999 plus applicable GST.

b.

To the maximum extent permitted by Applicable Law, Orcred shall not be liable for indirect, incidental, special, consequential or exemplary damages, loss of profits, loss of employment opportunity, loss of business opportunity or reputational loss arising from the use of the Platform or any Credential.

c.

Nothing in this clause shall limit liability that cannot lawfully be limited or excluded under Applicable Law.

20. Indemnity

To the maximum extent permitted by Applicable Law, the User shall indemnify and hold harmless Orcred, its directors, officers, employees, contractors, affiliates and representatives from and against losses, claims, liabilities, damages, costs and expenses arising from:

a.

breach of these Terms;

b.

fraudulent, misleading or unlawful information submitted by the User;

c.

infringement of third-party rights;

d.

misuse of Candidate Materials or Platform Content;

e.

unauthorised access to the Platform;

f.

violation of intellectual property, privacy or data protection rights; or

g.

unlawful or fraudulent conduct by the User.

21. Suspension, Disqualification and Termination

a. Orcred may suspend, restrict or terminate a User's access to the Platform where Orcred reasonably believes that the User:

i)

has violated these Terms;

ii)

has engaged in fraud or misrepresentation;

iii)

has compromised the integrity of an assessment;

iv)

has attempted to circumvent the verification process;

v)

has infringed intellectual property or privacy rights;

vi)

has engaged in abusive or unlawful conduct; or

vii)

presents a material security, legal or reputational risk to Orcred.

b. Where appropriate, Orcred may also permanently disqualify a Candidate from participating in future verification Sessions.

c. Suspension or termination shall not affect rights or obligations accrued before the effective date of suspension or termination.

22. Data Retention

a.

Orcred may retain information for periods reasonably necessary for the purposes described in its Privacy Policy and in accordance with Applicable Law.

b.

Unless otherwise required by law or justified by a continuing lawful purpose:

i)

Session recordings are retained for 90 days;

ii)

information relating to failed applications may be retained for up to 2 years; and

iii)

information associated with passed Candidates and Credentials may be retained for an extended or indefinite period where reasonably necessary to maintain and verify the authenticity of issued Credentials.

23. Changes to These Terms

a)

Orcred may amend, modify or update these Terms from time to time to reflect changes in the Platform, Services, technology, Applicable Law or business practices.

b)

The updated Terms shall be published on the Platform with the revised "Last Updated" date.

c)

Your continued use of the Platform following publication of amended Terms shall constitute your acceptance of the revised Terms, to the extent permitted under Applicable Law.

d)

Where a change materially affects your rights or obligations, Orcred may provide additional notice where reasonably required.

24. Communications and Notices

a)

By using the Platform, you consent to receiving electronic communications from Orcred relating to your account, application, payment, Session scheduling, verification process, Credential, Platform updates and other matters relating to the Services.

b)

Communications may be sent to the email address or mobile number provided by you or through the Platform.

c)

You are responsible for ensuring that your contact information remains current and accessible.

25. Grievance Redressal

In accordance with Applicable Law, Users may raise grievances or concerns relating to the Platform or these Terms with Orcred's designated grievance contact:

Grievance Officer / Contact: Pragathi S A

Email: contact@orcred.com

Orcred shall endeavour to address valid grievances in accordance with Applicable Law and its applicable internal procedures.

26. Dispute Resolution

a)

Any dispute, controversy or claim arising out of or relating to these Terms or the use of the Platform shall first be attempted to be resolved through good-faith discussions between the parties.

b)

If the dispute remains unresolved, the parties shall endeavour to resolve the dispute through mediation.

c)

If the dispute remains unresolved through mediation, it shall be finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996, as amended.

d)

The seat and venue of arbitration shall be Bengaluru, Karnataka, and the arbitration proceedings shall be conducted in English.

e)

Nothing in this clause shall prevent Orcred from seeking urgent interim, injunctive or equitable relief from a court of competent jurisdiction.

27. Governing Law and Jurisdiction

a)

These Terms shall be governed by and construed in accordance with the laws of India.

b)

Subject to the arbitration provisions contained herein, the courts at Bengaluru, Karnataka shall have exclusive jurisdiction over matters arising from or relating to these Terms.

28. General Provisions

28.1. Entire Agreement

These Terms, together with the Privacy Policy, the Payment and Refund Policy (when payments are enabled on the Platform), the consents you give on the Platform and other policies expressly incorporated herein, constitute the entire understanding between the User and Orcred concerning the use of the Platform and supersede prior communications relating to the same subject matter.

28.2. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be modified or severed to the minimum extent necessary and the remaining provisions shall continue in full force and effect.

28.3. Waiver

Failure by Orcred to enforce any provision of these Terms shall not constitute a waiver of its right to enforce that provision subsequently.

28.4. Assignment

Orcred may assign or transfer its rights and obligations under these Terms to an affiliate, successor or entity acquiring all or a substantial part of its business or assets.

Users may not assign their rights or obligations under these Terms without Orcred's prior written consent.

28.5. Force Majeure

Orcred shall not be liable for any delay or failure in performance caused by circumstances beyond its reasonable control, including natural disasters, epidemic or pandemic, war, civil unrest, governmental action, power failures, internet or communication failures, cyber incidents or failure of third-party service providers.

28.6. No Waiver of Mandatory Rights

Nothing contained in these Terms shall be construed as excluding or restricting any right, remedy or protection that cannot lawfully be excluded or restricted under Applicable Law.

29. Contact Us

For questions, concerns or communications regarding these Terms or the Platform, you may contact Orcred at:

Orcred Technologies Private Limited at 769, 15th Main, 3rd Cross, SBM Colony, Srinivasnagar, Bengaluru, Karnataka – 560050

CIN: U71200KA2026PTC226852

Email: contact@orcred.com

Website: orcred.com

Last Updated: 24th October, 2026

Grievance Officer: Ms. Pragathi S A, Founder and Director

Questions about this document? Write to contact@orcred.com.