Become Credit Rating Ready
RatingReady
Understand what may improve rating readiness
Report scope
External rating-document interpretation and readiness roadmap; no agency-issued rating.
Planned analytical coverage
Rating drivers, dated outlook/actions, sensitivity, surveillance gaps and source-linked financial/business factors.
Potential outputs
- Rating readiness and improvement priorities
- Current-status verification needs
- No promised rating
Who this may suit
Businesses interpreting an external rating document and planning readiness actions.
Evidence to consider
Rating letter/rationale with date, financials, liquidity, debt/covenants, management and business evidence.
Evidence availability and adequacy are not assessed on this public page. No company data is requested here.
Scope boundaries and exclusions
- No agency-issued or promised rating.
New purposes, periods, entities, material evidence or changed assumptions may require a separate, disclosed quote and acceptance.
Client review and changes
Client self-review means the client checks information, assumptions and report content. Professional expert review is a separate scoped service; it is not implied by the AI amount shown.
The approved future service terms include three case-specific clarification questions and one correction-driven regeneration requested within seven calendar days of delivery. Platform errors do not use this allowance. New purposes, periods, material evidence or changed assumptions may require a new disclosed quote. Versions must be preserved; no modification or regeneration workflow is active here.
Availability
The 21 family price schedules and base service terms are owner-approved, but approval alone does not activate a service. Purchase, payment, upload, AI generation, retrieval, download, modification, regeneration and expert workflows remain unavailable until separately tested and activated.
Approved terms for a future eligible order
These terms do not activate an offer or workflow. They apply to the 21 owner-approved base family offers only. Separately priced deliverables, untested services and any purpose without an approved fee remain unavailable.
One purpose and transparent charges
One family fee covers one selected purpose for one entity and one case. There is no combined-purpose bundle. Show the selected purpose before payment; materially different purposes or additional deliverables require a new quote. AI and optional expert fees are separate. Show the AI net fee, applicable GST and total separately. Apply the approved 18% GST only after company registration and applicable invoicing are verified; determine CGST/SGST or IGST correctly. Do not apply this treatment automatically to third-party pass-through costs.
Turnaround and human support
The target for an AI report is 24 hours after successful payment, complete evidence and the client’s confirmation of extracted facts and assumptions. The target for optional expert validation is three business days after the exact version and complete evidence are available. These are targets for a tested and activated service, not live promises. Pause the clock for missing client information, consent or separately quoted retrieval; explain the reason and revised target. “24/7” means automated submission and access, not round-the-clock human support. No instant delivery is promised.
Portal access and corrections
For an activated service, portal access and download are available for 90 days from delivery, subject to the applicable retention policy, with notice before expiry. This does not promise indefinite source-document retention. The client may ask three case-specific clarification questions and request one correction-driven regeneration within seven calendar days of delivery. Platform errors do not consume the allowance. Preserve report versions.
Optional expert validation
Expert validation is optional and separately priced. It covers one exact AI version, evidence and assumption checks, written observations and information requests, plus one follow-up review of the corrected version within the original scope. It does not include a meeting; consultation is separate. Identify the reviewer, version, date, scope and limitations. If evidence is missing, state “Awaiting information,” not “validated.”
External retrieval and pass-through costs
Any separately quoted retrieval charge must be disclosed and authorized before a billable request. Deduct a third-party cost only when it was disclosed, authorized, incurred and evidenced. Do not apply the family-fee GST treatment automatically to pass-through costs.
Cancellation, refunds and service failures
Before work starts, cancellation refunds the unperformed service. After work starts, itemize performed and unperformed work and any supported deduction; there is no blanket no-refunds rule. For non-delivery, duplicate charges, platform-caused unusable output or failure to provide the stated scope, offer correction/regeneration or refund the affected service. A poor outcome alone does not trigger a refund for properly delivered work. Acknowledge a refund request within two business days, decide within seven business days and initiate an approved refund within five business days after the decision. Issue applicable credit notes and tax adjustments, and preserve statutory rights.