Terms and Conditions

These terms apply when you use clsplusplus.com or any CLS++ service (the "Service"). The Service is operated by Continuous Learning Systems (CLS++), Bengaluru, India ("we", "us"). By using the Service you agree to these terms. If you do not agree, do not use it.

You must be at least 18. If you use the Service for an organisation, you confirm that you are allowed to accept these terms on its behalf.

CLS++ is a collections platform for lenders. The Service includes this website, CLS++ accounts with their signed-in tools and API, and the pilots and deployments we run with lenders.

A pilot or deployment is governed by the written agreement we sign with that lender. Where that agreement and these terms differ, the agreement applies.

On this website, research figures are attributed to their sources, calculator results are arithmetic on the numbers you enter, and panels marked Sample data are illustrations. None of them is a promise of results.

• Keep your password and API keys secret
• You are responsible for what is done through your account
• Tell us straight away if you think someone else has used it

Fees for a pilot or deployment are set out in your written agreement or order.

• Where a paid plan is sold online, the price is shown before you pay
• Online plans are billed in advance
• Fees are not refundable unless the law or your agreement says otherwise
• We will give at least 30 days notice of a price change
• Taxes are extra where they apply
• We may suspend the Service if a payment fails and is not put right

You keep ownership of the data you give us. You give us permission to process it only to provide the Service. You are responsible for having the right to share it with us, including any borrower data.

Our Privacy Policy explains how we handle personal data.

You agree not to use the Service:

• For any unlawful purpose
• To contact borrowers in breach of any law or regulation, including recovery conduct rules
• To infringe our intellectual property rights or anyone else's
• To harass, abuse, threaten or discriminate against anyone
• To upload or send viruses or any other malicious code
• To get around rate limits or misuse API access
• To reverse engineer, decompile or disassemble the Service

The Service is provided as it is. To the maximum extent the law allows, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits or revenues, whether incurred directly or indirectly.

Our total liability for any claim under these terms will not exceed the amount you paid us in the twelve (12) months before the claim. Nothing in these terms limits liability that the law does not allow us to limit.

You can stop using the Service and close your account at any time. We may suspend or end your access if you break these terms, if the law requires it, or if we stop offering the Service, in which case we will give reasonable notice where we can.

These terms are governed by the laws of India. The courts in Bengaluru, Karnataka have exclusive jurisdiction over any dispute arising from these terms or from the Service.