The first release is an evidence ledger, not a predictive system. A spatial product can only be credible if it preserves what each source actually means.
An IBBI liquidation auction may identify a secured asset. It does not establish financial risk for people, households, businesses, or properties nearby. A company’s registered office is especially unsuitable as a locality-level proxy.
secured_assetbusiness_locationregistered_officeborrower_residenceunknown
This registry must not be used as an automatic approve/decline, pricing, hiring, insurance, tenancy, or eligibility rule. Geographic data can encode socioeconomic and demographic proxies. Any future operational use requires a documented human-review workflow and a use-case-specific impact assessment.
Context for research, due diligence, portfolio monitoring and analyst investigation only.
V0 stores source text only. It emits no coordinates, H3 cell, inferred boundary, station catchment, travel-time polygon or composite score. Address parsing and geocoding require a separate quality policy, confidence model, correction mechanism and governance approval.
0 geocoded records
0 area scores
0 police isochrones
CIBIL’s published terms prohibit bulk / high-volume database access and commercial reproduction, copying, storage or archiving. Experian and CRIF are source-of-record lookup surfaces, but bulk rights have not been established. We do not ingest them here.
Written licence, permitted-use definition, retention terms, correction workflow and audit trail.
For any later area-level research: retain raw provenance; distinguish address type; normalise for business density and reporting coverage; publish confidence and denominators; and prohibit auto-decisioning. Police access is a serviceability layer, not a substitute definition of risk.