Privacy Policy
Your privacy is our highest responsibility. This document explains exactly how we collect, use, store, and protect your personal information on MyTrustScore.
Summary: MyTrustScore collects only the data necessary to calculate your trust score and display your listing. We never sell your personal data to any third party, advertiser, or external organization.
1 Who This Policy Applies To
This Privacy Policy applies to all users of mytrustscore.org — including individuals and businesses who create listings, browse profiles, or use any service offered by MyTrustScore ("we", "us", "our"). By using our platform, you agree to the terms of this policy.
"User" refers to any person or business that accesses or uses our platform — whether on a free listing or a paid premium plan.
2 What Data We Collect
We collect the following categories of information:
3 How We Use Your Data
Your data is used exclusively for the following purposes:
- Verifying documents to calculate your MyTrustScore
- Displaying your listing in the public directory
- Account registration, login, and authentication
- Managing customer reviews and the rating system
- Processing payments for premium plans
- Platform security, fraud prevention, and abuse detection
- Complying with legal obligations and reporting to government authorities when required by law
- Sending transactional emails such as service updates and policy change notifications
We will never: sell your personal data to advertisers, send unsolicited spam, or share your documents with any unauthorized party under any circumstances.
4 Data Sharing and Disclosure
We share your data only under the following strictly limited circumstances:
| Recipient | When Shared | Purpose |
|---|---|---|
| Payment Gateway | On purchase of a premium plan | Secure transaction processing |
| Government Authorities | Only upon receipt of a valid legal notice | Legal compliance under Indian law |
| Verification Partners | During document verification process | Confirming authenticity of documents |
| Certified Audit Firms | During annual financial audit | Financial and regulatory compliance |
5 Data Security Measures
We implement the following security measures to protect your data:
- 256-bit SSL encryption for all data transmission across the platform
- National ID numbers are stored in masked format — never in full
- Regular security audits and third-party penetration testing
- Role-based access control — only authorized personnel can access sensitive data
- Automated breach detection and real-time monitoring systems
In the event of a data breach: We will notify all affected users via registered email within 72 hours and report the incident to CERT-In as required under the IT Act, 2000.
6 Your Rights
- Right to Access: You may request a copy of the data we hold about you by emailing info@mytrustscore.org
- Right to Correction: You may request correction of any inaccurate or incomplete information
- Right to Deletion: Upon account deletion, all your personal data is permanently erased within 90 days
- Right to Portability: You may request an export of your data in JSON or CSV format
- Right to Opt-Out: You may unsubscribe from marketing and promotional emails at any time
7 Cookies Policy
We use cookies for the following purposes:
- Essential Cookies: Required for login sessions and platform security. These cannot be disabled.
- Analytics Cookies: Help us understand how the platform is used (opt-out available in browser settings)
- Preference Cookies: Store your language and location preferences for a better experience
You may disable non-essential cookies in your browser settings. Please note that doing so may limit certain features of the platform.
8 Data Retention Schedule
| Data Type | Retention Period |
|---|---|
| Active listing data | Retained as long as the account is active |
| Data after account deletion | Permanently deleted within 90 days |
| Financial and payment records | 7 years (as required under the Income Tax Act) |
| Verification documents | Deleted after 3 years from submission |
9 Changes to This Policy
If we make any significant changes to this Privacy Policy, we will notify you via your registered email address at least 30 days before the changes take effect. Continued use of our services after the effective date constitutes acceptance of the updated policy.
Privacy Questions?
Contact our Privacy Officer directly. We respond to all privacy-related queries within 5 business days.
📧 info@mytrustscore.org | 🌐 mytrustscore.orgTerms of Service
Please read these Terms carefully before using MyTrustScore. By accessing or using our platform, you agree to be legally bound by these Terms.
Agreement: By creating a listing or using any MyTrustScore service, you confirm that you have read, understood, and agreed to these Terms of Service in their entirety. If you do not agree, please discontinue use of our platform.
1 Definitions
2 Eligibility
- You must be a legitimate Indian individual or registered business entity
- The minimum age to create a free listing is 18 years
- Business listings require a valid and active business registration
- You must provide accurate, complete, and truthful information at all times
- Only one listing per person or business may exist within the same category in the same city
3 Listing Rules
Permitted Activities:
Strictly Prohibited:
Consequences of Violation: Any violation of these rules may result in the immediate suspension or permanent removal of your listing without notice and without any refund. Depending on the severity, legal action may also be initiated under the Information Technology Act, 2000 and relevant sections of the Indian Penal Code.
4 Understanding the MyTrustScore
- MyTrustScore is an indicative trust metric — it is not a financial guarantee or a warranty of service quality
- Scores range from 300 (basic, unverified) to 900 (fully verified with extensive credentials)
- The score is calculated solely based on verified documents and authentic customer reviews
- Scores may change over time based on new reviews, disputes, or updated verification status
- A high score does not guarantee the quality of any specific transaction or service
- MyTrustScore shall not be held liable for any decisions made based on a listing's score
Important Disclaimer: MyTrustScore provides a verification-based trust metric only. Customers are advised to conduct their own due diligence. MyTrustScore is not directly liable for any loss, fraud, or dispute arising from transactions with any listed business or individual.
5 Premium Service Terms
- Premium and Top Listing plans are valid for 12 months from the date of activation
- Plans do not auto-renew — you must manually renew before the expiry date
- Plan downgrades are not permitted during an active subscription period
- Top Listing placement is prioritized but a 100% guaranteed fixed position cannot be assured due to the dynamic nature of active listings
- Premium benefits are activated only after successful document verification is completed
6 Intellectual Property
The MyTrustScore name, logo, score algorithm, platform design, and all associated content are the exclusive intellectual property of MyTrustScore.
- You may: Display "As listed on MyTrustScore" in your marketing materials (verified members only)
- You may not: Copy our logo, reverse-engineer the scoring algorithm, or build a competing scoring platform using our methodology
Content you submit to your listing (photos, descriptions) remains your intellectual property. However, by submitting it, you grant MyTrustScore a non-exclusive, royalty-free license to display and use it within the platform.
7 Account Termination
We reserve the right to terminate your account if:
- You have provided false, forged, or fraudulent documents
- You have violated any provision of these Terms of Service
- Fraudulent or abusive activity is detected on your account
- A court order or valid government directive is received
- Your account has been inactive for more than 2 consecutive years
You may delete your account at any time by emailing info@mytrustscore.org with your registered details.
8 Limitation of Liability
MyTrustScore shall not be held liable for:
- Any loss or fraud arising from a transaction with a listed business or individual
- Any business decision taken based on a listing's trust score
- Temporary platform downtime, maintenance, or unavailability
- Errors or delays caused by third-party verification partners
In all cases, our maximum aggregate liability shall not exceed the total amount paid by you for the subscription plan in the relevant billing period.
9 Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of India. Any dispute shall be resolved through the following process:
- Step 1 — Direct Resolution: Email us at info@mytrustscore.org. We will respond within 15 business days.
- Step 2 — Arbitration: If unresolved, the matter shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996.
- Step 3 — Jurisdiction: Courts located in India shall have exclusive jurisdiction over all matters.
10 Changes to These Terms
We may update these Terms from time to time. For any material changes, we will provide at least 30 days advance notice via your registered email address. Continued use of the platform after the effective date of the updated Terms constitutes your acceptance of those changes.
Questions About These Terms?
Reach out to our legal team. We respond to all queries within 5 business days.
📧 info@mytrustscore.org | 🌐 mytrustscore.orgRefund Policy
This document clearly explains the conditions under which refunds are granted for MyTrustScore premium plans, along with the process to request one.
Quick Summary: Free listings involve no charges and therefore no refunds. For Premium and Top Listing plans, a 7-day refund window applies under specific eligible conditions. Refunds are not issued in cases of misuse, fraud, or violations of our Terms of Service.
1 Plan-wise Refund Overview
| Plan | Price | Refund Window | Conditions |
|---|---|---|---|
| Free Listing | ₹0 | Not Applicable | No payment involved; no refund applicable |
| Premium Listing | ₹5,000 / year | 7 days | If the service was not activated |
| Top Listing | ₹50,000 / year | 7 days | If promised placement was not delivered |
2 When You Are Eligible for a Refund
You qualify for a refund if any of the following conditions are met:
- You submit your refund request within 7 days of payment
- Your account has not yet been activated (verification is still pending)
- A technical issue on our side has prevented premium features from functioning
- A duplicate or erroneous payment was charged by our system
- A Top Listing placement was not delivered within 30 days of activation
- We were completely unable to deliver the service you paid for
Processing Time: Approved refunds are returned to the original payment method within 7–10 business days. UPI and NEFT transfers typically arrive in 3–5 business days; card refunds may take up to 7–10 business days.
3 When Refunds Will Not Be Issued
- The refund request is made after the 7-day window has closed
- The account has been activated and premium features have been accessed or used
- False or fraudulent documents were uploaded and the listing was subsequently rejected
- The account was suspended or terminated due to a Terms of Service violation
- You have simply changed your mind (change-of-mind refunds are not accepted)
- The trust score did not meet your personal expectations (scores are objectively calculated based on submitted documents)
- Your listing ranked lower than expected due to natural market competition
- A plan upgrade or downgrade is requested mid-subscription
Important: If verification documents are found to be fraudulent or forged, no refund will be issued. Additionally, legal action may be initiated under Section 420 of the Indian Penal Code and the Information Technology Act, 2000.
4 How to Request a Refund
Follow these steps to submit a refund request:
-
Step 1 — Send an Email
Email us at info@mytrustscore.org with the subject line: "Refund Request – [Your Order ID]" -
Step 2 — Include Required Details
Provide your registered mobile number or email, a screenshot of the payment, the reason for your refund request, and your bank account details (if NEFT transfer is preferred) -
Step 3 — Receive Acknowledgement
We will acknowledge your request within 24–48 business hours -
Step 4 — Review Period (3–5 Business Days)
Our team will review your request and communicate the decision to you -
Step 5 — Refund Processed
If approved, the refund will be processed within 7–10 business days to the original payment method
5 Partial Refunds
In certain circumstances, a partial refund may be issued at our discretion:
| Situation | Refund Amount |
|---|---|
| Request submitted within 7 days (service unused) | 100% full refund |
| Request submitted after 3 months of use | 25% of the paid amount |
| Request submitted after 6 months of use | 50% of the paid amount |
| Partial service failure confirmed by our team | Proportionate to the extent of failure |
6 Refund Methods by Payment Type
Note: Bank holidays and weekends are not counted as business days. Payment gateway processing fees (typically 2%) may be deducted from the refunded amount.
7 Chargebacks and Bank Disputes
If you initiate a chargeback or bank dispute without first contacting us, please be aware of the following:
- Your account will be immediately suspended pending investigation
- Your ability to create future listings may be permanently restricted
- We will contest the chargeback with full documentation of the transaction and service delivery
We strongly encourage you to contact us at info@mytrustscore.org before raising a dispute. Most issues are resolved within 48 hours.
8 ORG.REGD. Treatment on Refunds
All premium plans attract 18% ORG.REGD.. ORG.REGD. is handled as follows in refund scenarios:
- Full refund: The original tax invoice will be cancelled and a full ORG.REGD. refund will be issued
- Partial refund: A proportionate credit note will be issued against the original invoice
- If Input Tax Credit (ITC) has been claimed: The recipient is responsible for reversing the ITC claimed on the original invoice
9 Escalation Process
If you are not satisfied with the resolution provided, you may escalate through the following channels:
- Level 1: Email info@mytrustscore.org — our standard team will respond within 5 business days
- Level 2: Re-email with the subject "Escalation – Refund" — our senior review team will respond within 3 business days
- Level 3: File a complaint through the National Consumer Helpline or Online Dispute Resolution platform as per the Consumer Protection Act, 2019
Refund or Payment Issue?
Contact us directly and we will do our best to resolve your concern within 24–48 hours.
📧 info@mytrustscore.orgSubject line: Refund Request – [Your Order ID]