Terms & Conditions

CrescentRating Pte Ltd (collectively, “we”, “us” or “CrescentRating”) provides you with access to the Website, Applications, Platforms including CrescentRating Academy (hereafter referred to as “Services”). By accessing and using any part of or Services, you shall be deemed to have accepted to be legally bound by the Terms of Use contained herein. If you do not agree to these Terms of Use, please do not access or use the Services.


These Terms of Use may be changed from time to time at the sole discretion of CrescentRating Pte Ltd and without incurring any liability therefor. All changes will be posted on this page, and your continued use of the Service after such changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes contained therein.

Proprietary Rights

CrescentRating Pte Ltd owns and operates the Services. All Content included on our Services, unless uploaded by Users, is the property of CrescentRating Pte Ltd.

In these terms and conditions, Content refers to any text, graphics, images, audio, video, software, data compilations, page layout, underlying code and software and any other form of information capable of being stored in a computer that appears on or forms part of this Website and our Services, including any such content uploaded by Users.

You acknowledge that you are responsible for any Content you may submit to our Services, including the legality, reliability, appropriateness, originality and copyright of any such Content. You represent and warrant that you own or otherwise control all the rights to the Content you post; that the Content is accurate; that use of the Content you supply does not violate any provision of these terms and conditions and will not cause injury to any person; and that you will indemnify CrescentRating Pte Ltd for all claims resulting from Content you supply.

Restrictions on Use of Contents

Except as otherwise provided, the Contents of this Website shall not be reproduced, republished, uploaded, posted, transmitted or otherwise distributed in any way, without the prior permission of CrescentRating Pte Ltd. To use any parts of the Contents of this Website, the user must seek permission in writing, stating the Contents for use; intent of use; manner of use; time frame of use and identity of the user. CrescentRating Pte Ltd reserves the unconditional and absolute right to refuse permission without declaring reason(s); and/or if information submitted by the user is deemed to be insufficient.

Disclaimer of Warranties and Liability

The Contents of our Services are provided on an "as is where is" basis without making representations or warranties of any kind. To the fullest extent permitted by law, CrescentRating Pte Ltd does not warrant and hereby disclaims any warranty:- (a) as to the accuracy, correctness, reliability, timeliness, non-infringement, title, merchantability or fitness for any particular purpose of the Contents of our Services; (b) that the Contents available through our Services or any functions associated therewith will be uninterrupted or error-free, or that defects will be corrected or that our Services and the server is and will be free of all viruses and/or other harmful elements. CrescentRating Pte Ltd shall also not be liable for any damage or loss of any kind caused as a result (direct or indirect) of the use of our Services, including but not limited to any damage or loss suffered as a result of reliance on the Contents contained in or available from our Services.

Right of Access

CrescentRating Pte Ltd reserves all rights to deny or restrict access to this Website to any particular person, or to block access from a particular Internet address to this Website, at any time, without ascribing any reasons whatsoever.

Privacy Policy

Use of the Website is also governed by our Privacy Policy, which is incorporated into these terms and conditions by this reference. To view the Privacy Policy, please click the the following link: https://www.crescentrating.com/crescentratings-terms-and-conditions.html

Third Party Links

Our Services may contain hyperlinks to websites which are not maintained by CrescentRating Pte Ltd. CrescentRating Pte Ltd is not responsible for the contents of those websites and shall not be liable for any damages or loss arising from access to those websites. Use of the hyperlinks and access to such websites are solely at the users own risk. Hyperlinks to other websites are merely provided as a means of convenience for the user.

CrescentRating Pte Ltd reserves all rights to disable any links to, or frames of any website containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity rights. CrescentRating Pte Ltd reserves the right to disable any unauthorised links or frames and disclaims any responsibility for the content available on any other website reached by accessing such links to or from our Services or any of the Contents.


CrescentRating Pte Ltd reserves all rights to remove any comments and unlawful remarks placed on this website. Actions may be taken on attempts to spam or place indecent remarks on the website which may cause harm to the sentiments of others.

These terms and conditions together with the Privacy Policy contain the whole agreement between the parties relating to its subject matter and supersede all prior discussions, arrangements or agreements that might have taken place in relation to the terms and conditions.

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