Terms Of Service
1.General
You are suggested to read and clearly understand Terms carefully as moving past the home page, using any of the services provided by us shall be taken to mean that You have thoroughly read and agreed to all of the policies which constitute legally binding agreement between You and the website. These terms to be carefully read along with the Privacy Policy provided by the website and any other policies present on the website.
As of information technology statutes, the document is an electronic record, according to the laws of India. This document is published by the provision of Rule 3 (1) of the information technology (intermediaries guidelines) Rules, 2011 which demands posting the rules and regulations, terms of use, and privacy policy for the usage and access of the Website.
The website also provides some services without registration, and such kind of provision of services does not absolve You of this contractual relationship.
For these Terms of Use, with any amendments to the same, and wherever the context so needed "You" or "User" shall mean any natural or legal person who has accepted to become a regular user of the Website by accessing the Website.
The terms "We", "Us", "Our" refers to the Company.
"Agreement" refers to this Terms of Service, which also includes modifications that can be added into it.
"Services" relates to the services rendered by the Company to the Users, which also includes but not limited to asking for and availing of quick and easy cash credits and different kinds of financial products such as but not limited to insurance products, savings accounts, credit cards, mutual funds.
"Third party" refers to any individual, Company or entity that is different from the User and the Company.
The heads of each section present in this agreement are only to organise the various provisions correctly following this agreement. These headings shall not be utilised by each party to interpret the terms that are included under them in any way. Further, such headings have no contractual or judicial value.
By using the Website, you agree and admit to be restricted by the privacy policy, policies guidelines, terms of use, agreement, and conditions that are relevant to any services provided by the website, that shall be considered to be included into the Terms of Use and shall be deemed as a part of this Terms of Use. Your Usage of Our Website is evidence that you have clearly understood and accepted to be contractually bound with the Terms of Service and our Privacy Policy, it is suggested to study both thoroughly. Your use of the Website is directed by the policy and any policies specified by terms of reference. If you have any kind of disagreement with any of these terms then it is requested You to stop the use website.
We have the right to modify the Terms of Services without giving you prior notice and without your approval. The relationship between us leads to a commitment from You to regularly check the Terms of Services and stay updated on its specifications. If you continuously use this website or any of its services without registration following such modifications, this is considered as your approval with the updated policies. Your continued use of the website conditioned You with the agreement and Terms of Services.
2. Mode of operation
This website is a web-based platform which allows the users to apply for cash advances and different types of financial products such as but not limited to insurance products, credit card, savings accounts, mutual funds, and loans from banks or financial institutions providers. The website only creates a medium for obtaining all information required for the registration of the Users for the collection of details needed for the application.
All the communications with the bank or financial institution provider with regards to Our services shall be undertaken by the representatives of the Company or by the Company.
The User will be able to view and choose from a particular category of financial products such as but not limited to credit cards, loans insurance, etc. and they can also get a quick quote of the value related with such kind of financial products. The User will also be enabled to compare the various products listed below the similar category for making better decisions.
After selecting the product they want to avail the User needs to submit specific details related to it such as but not limited to its value, purpose intended tenure, etc. and any of the other information that will be needed for the application. After submission of the application, the User will be contacted by the Company or its representatives through telecaller for the verifying process of the information provided by the User during the form filling process. After the verification, the application will be further processed to the banks or financial institutions or Direct Sales Agents.
The Bank or financial institution provides, after the above process, will connect with the User for the verification purposes and then will consider for the approval and disbursement of the financial product for which the User has applied.
3. Membership
For fully availing the services given by Us, registration on the website is compulsory. A non-registered user can only browse through the content of the website, and only a registered User of the Website can avail and apply for the financial products mentioned on the website. Some necessary information such as but not limited to gender, name, marital status, dependents, current, residence, address, educational qualification, contact information, date of birth, email id, mobile number, alternate mobile number, residence type, Pan number, living in the current city since would be gathered from the User during the time of registration. Additional details related to the employment of the User such as but not limited to employment type, net salary, business start date, office address, work email id, phone number of office, annual turnover, company name, salaried Bank, joining date, employment nature, total experience may also be needed to provide by the Users. All the information that is provided by the User during the time of the registration process must be current, correct, and valid.
Membership of this website is only available to those who are above the age of 18 years. If you are under the age of 18 years and want to use the Website, you can do so through your legal guardian and Us. We have the right to terminate your account when we come to know that you are a minor and have registered on the website or using any of our services.
All the information provided by the User is self-declared and not verified by the Company for any information given by the User the Company has the right to use such information for marketing purposes and various promotions.
Further, at any time when you are using the website, including but not limited to the time of registration, only you are responsible for protecting the confidentiality of your username and password, and any activity and the account shall be deemed to have been done by you in any case, or we have any reason to believe you have done something wrong, we hold the right to terminate your account permanently.
4. Disclaimer regarding services
This Website is a common platform that bridges the gap between Users who wish to apply for and avail the aforementioned financial products and various banks or institutional financial providers. The Website does not provide any of its such products or recommend any such institution to the Users. The Website only facilitates the User to use the services provided by the financial institutions and does not represent any banking and financial institution.
The company accepts no liability for any omissions or errors, whether on behalf of itself or third parties. You agree that the company has no relationship with you other than providing you with financial services.
The Website also does not give you complete assurance for the approval or sanction of any of the mentioned financial products by any of the banking or financial institutions. You have clearly understood and completely agree that the approval or consent to any financial product you have applied for in any such institution will be based on the terms and condition of the specific institute. The Website has no authority to intervene in such matters. The Website also not be responsible for any delay or failure to provide services or inefficient service providers by the banks/financial/insurance institutes. Only the banks/commercial/insurance institutions are responsible for the services offered by them.
5.Term/Termination
Until the User continues to use and access the Website, the terms shall remain to form a solid and binding agreement among the parties and shall continue to be in power and effect.
By ceasing the use of services, you can terminate Your use of the services at any time. We can also terminate these terms and close your account at any time without giving you prior notice if we cease to grant you the services. We can also suspend or terminate Your use and access of the Website at any time and for any reason. Such termination shall not be the limit of our rights; we can take any action against You if it is required and if we consider it correct.
6.Security
The transactions you will do through the Website are protected and completely secure. Any information that you have entered while transacting on the Website will be protected and encrypted to guard the User against accidental divulgence to third parties.
7.Pricing
The membership of the Website is free, and it allows you to browse the Website and use the Services. In a case that may happen, User will be intimidated by the same, and it depends on the User to choose whether they need to continue the use of the Website or not. Such changes are useful as they posted on the Website.
8. COMMUNICATIONS AND ADVERTISEMENTS
By utilising this Website, it is considered that You have agreed to accept telephonic calls, SMSs or emails from Us at any moment we believe fit. We shall reach out to interact with You and improve Your experience while working on the Website. From time to time, the Company can offer server publications inside the Website and also during the use of the Website. These publications shall further notify You of the latest products and services issued by us. These interactions comprise but are not limited to communicating You through information collected from Third Parties. Such communications by Us is for purposes that with other elements include clarification, marketing and promotional calls. These connections shall be given to You on the telephone number or email id granted by You for the usage of this Website which is subjected to our Privacy Policy. In-state You want to discontinue getting announcements from Us concerning marketing and promotional calls concerning any transmission collected from Us, You are expected to convey an email.
You may also be reached by Service Providers with whom We have begun into an agreement in the advancement of our rights, liabilities and responsibilities following this document and other policies supported by Us and with whom You have become friends from the Website. Such connection shall be executed only in pursuance of such purposes, and no additional calls shall be done.
Furthermore, You may also be communicated by Third Parties who may have access to the data uncovered by You or to whom We may have revealed Your information for objectives such as, but not limited to, statistical compilations. Our Privacy Policy shall supervise the distribution of the information given by You.
9. USER’S OBLIGATIONS
You are a bound user of this Website.
A - You are obliged not to cut, duplicate, share, change, recreate, reverse engineer, circulate, disseminate post, advertise or generate derivative products from, transfer, or exchange any information or software acquired from the Website. With our previous agreement, restricted use may be allotted. For the elimination of uncertainty, it is explained that large or wholesale reproduction, copying of the Content for sales or non-commercial goals and unfair alteration of data and information in the Content of the Website is not allowed.
B - You consent not to access (or endeavour to access) the Website or Services by any medians other than within the interface that is given by the Website. The use of deep-link, robot, spider or different automatic device, program, algorithm or methodology, or any comparable or similar hand-operated method, to access, obtain, copy or observe any part of the Website or Content, or in any way reproduce or bypass the navigational edifice or display of the Website, elements or any Content, to gain or endeavour to obtain any items, documents or data by any means not explicitly made accessible by the Website. You accept and admit that by accessing or using the Website or Services, You may be disclosed to Content from different users that You may think invasion, improper or otherwise offensive. We abandon all responsibilities resulting in such objectionable Content on the Website. Further, You may report such harmful Content.
C - In areas wherever this Website permits you to post or upload data/information, you undertake to assure that such substance is not impertinent and by relevant laws. Moreover, you make not to:
i. Harm, attack, abuse, slander, disillusion, erode, abolish, demean or otherwise infringe the juridical rights of others;
ii. Involve in any activity that conflicts with or obstructs access to the Website or the Services (or the servers and networks which are associated to the Website);
iii. Impersonate any person or entity, or incorrectly state or otherwise mislead your connection with a person or entity;
iv. Promote, post, share, any grossly damaging data, attacking, profane, offensive, filthy, pornographic, pedophilic, libellous, invasive of another's privacy, repugnant, or racially, ethnically abhorrent, disparaging, associating or promoting money laundering or gambling, or unless unlawful in any way whatever; or wrongly intimidating or illegally attacking including but not limited to "indecent representation of women" under the applicable laws of India.
v. Post any file that infringes the copyright, patent or trademark of other legal entities;
vi. Upload or share files that carry viruses, damaged data, or any other related software or programs that may disable the operation of the Website, or another's a computer;
vii. Download any file posted by another user that you know, or reasonably should know, cannot be legally distributed in such manner;
viii. Scrutiny, examine or test the vulnerability of the Website or any network related to the Website, nor breach the protection or authentication means on the Website or any network combined to the Website. You may not convert look-up, trace or attempt to find any data on any other user, of or visitant to, the Website, or any other client of the Website, including any website Account not occupied by You, to its source, or use the Website or Service or information made accessible or given by or via the Website, in any way whether or not the intention is to disclose any information, including but not confined to personal identification information, other than Your information, as granted for by the Website;
ix. Interrupt or hinder with the protection of, or otherwise make infliction to, the Website, system resources, accounts, passwords, servers or networks related to or available by the Website or any associated or linked sites;
x. Secure or collect information regarding other users in connection with the forbidden conduct and activities described in this Section;
xi. Use the Website or any substance or Content for any purpose that is illegal or obstructed by these Terms of Service, or to ask the performance of any unlawful activity or other activity which violates the powers of this Website or other third parties;
xii. Infringe any code of conduct or additional guidelines, which may demand or to any particular Service;
xiii. Infringe any suitable laws or regulations for the interval being in power within or outside INDIA;
xiv. Infringe the Terms of Service including but not limited to relevant Additional Terms of the Website included within or outside;
xv. Infringe any code of conduct or additional guidelines, which may utilize for or to any selective Service;
xvi. Endanger the unity, sincerity, defence, safety or autonomy of INDIA or any other country, peaceful connections with foreign states, or public order or produce a stimulus to the commission of any cognizable crime or obstruct the investigation of any offence or is demeaning any other nation;
xvii. Publish, post, disseminate information that is false, inaccurate or misleading; violate any applicable laws or regulations for the time being in force in or outside INDIA;
xviii. Direct or indirect, offer, endeavour to provide, trade or attempt to trade in any item, the dealing of which is forbidden or limited in any way under the terms of any suitable rule, regulations, law or guideline for the time being in power;
xix. Formulate liability for us or prompt us to drop (in whole or Section) the services of our internet service provider ("ISPs") or additional suppliers.
You shall not involve in the promotion to or solicitation of other Users of the Website to purchase or sell any products or services, including, but not limited to, products or services linked to that being presented on the Website or related to us. You may not convey any series letters or unsolicited financial or trash email to other Users through the Website. It shall be an infringement of these Terms of Service to use any information collected from the Website to attack, abuse, or injure another person, or to communicate, promote to, request, or sell to a different person other than Us without Our prior explicit permission. We can (, and You at this instant expressly allow Us to reveal any knowledge about You to law enforcement or other government officials, as we, in our concern, believe it necessary or relevant in association with the investigation and resolution of possible crimes, especially those that may involve personal injury. To defend Our Users from such advertisement or solicitation, we have the right to limit the number of messages or emails which a user may transmit to other Users in any 24-hour interval which We consider relevant in our concern. You recognize that We have the right at all times to reveal any information (including the identification of the persons providing information or substances on the Website) as required to satisfy any law, regulation or substantial governmental request. This may involve, without restriction, disclosure of the information in association with an investigation of alleged unlawful activity or solicitation of illicit activity or response to a lawful court order or summons.
You as a consequence of this symbolize and guarantee that you have all required rights in and to all Content which You give and all information it contains and that such Content shall not violate any proprietary or other rights of third parties or include any libellous, deceitful, or oppositely illegal information.
10. REVIEWS, FEEDBACK AND SUBMISSIONS
All reports, comments, feedback, advice, opinions, and other submissions disclosed, submitted or granted on the Website or otherwise advertised, offered or provided in association with the use of the Website (collectively, the Comments) shall be and continue the property of the Company. Such declaration, submission or suggestion of any Comments shall develop an assignment to the Company of all global titles, rights and interests in all copyrights and other intellectual properties in the Comments. Thus, the Company shall wholly own all such claims, rights and interests in the Comments and shall not be restricted in any form in its use, financial or oppositely.
The Company will be authorised to use, reproduce, publish, alter, readjust, produce derivative works from any Comments, and publish, display and distribute any Comments submitted for any intention whatsoever without limitation and without repaying the user in any way. The Company is and shall be below no commitment to (i) manage any Comments in confidence; or (ii) pay damages for any Comments, or (iii) reply to any Comments. You accept that any Comments presented by you on the Site will not disrupt the Terms of Use or any power of any third party, including copyright, trademark, privacy or other personal or proprietary rights (s), and will not create harm to any person or entity. You moreover acknowledge that no Comments presented by you on the Site will be or comprise defamatory or otherwise illegal, dangerous, offensive or offensive material, or include software viruses, political campaigning, financial solicitation, chain letters, bulk mails or any form of ‘spam’. The Company does have the right (but allows no obligation) to observe, update or withdraw any Comments submitted on the Site. You at this time, provide the Company with the right to use names that you present in association with any Comments. You accept not to use a bogus email address, impersonate any person or entity, or otherwise deceive as to the origin of any Comments you submit. You are and shall remain responsible for the content of any Comments you make. You agree to indemnify the Company and its affiliates against all claims, loss and liabilities resulting from any Comments you submit. Further, any reliance placed on Comments available on the Site from a third party shall be at your sole risk and expense.
11. INTELLECTUAL PROPERTY RIGHTS
All data, Content, services and software displayed on, transmitted through, or used in connection with the Website, (from presently on referred to as the "Content"), as well as its selection and arrangement, is owned by Us. You may use the Content only through the Website, and solely for Your personal, non-commercial use.
You may not, republish any part of the Content on any Internet, Intranet or extranet site or incorporate the Content in any database, collection, archive or cache. You may not share any Content to others, whether or not for payment or other consideration, and You may not alter copy, frame, cache, reproduce, sell, advertise, communicate, present or unless use any part of the Content. You may not scrape or copy our Content without authorization. You accept not to decompile, modify engineer or dismantle any software or other products or methods accessible by the Website, not to include any code or product or handle the Content of the Website in any way that changes the user's experience, and not to use any data drilling, data collection or extraction process.
12. GEOGRAPHICAL EXTENT
The Website can be used in India. Suppose You access or use the Website in any countries where the Website is prohibited. In that case, You are solely responsible for compliance with necessary laws and regulations for the use of the Website.
13. DISCLAIMERS OF WARRANTIES AND LIABILITIES
You expressly agree and acknowledge that to the greatest extent allowed by relevant law:
this Website grants the Website, services and other stuff is on an "as is' ' basis without guarantee of any kind, express, intended, statutory or contrarily, including the proposed warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the previous, Website offers no guarantee that
a. your demands will be met, or that services presented will be continuous, up-to-date, reliable or error-free;
b. elements, information and results received will be useful, correct or honest;
c. any mistakes or errors in the Website, services or other elements will be improved.
To the greatest extent allowed by appropriate law, we will have no responsibility associated with user content appearing under intellectual property rights, libel, privacy, publicity, obscenity or other laws. The Website also denies all responsibility concerning the ill-usage, loss, alteration or unavailability of any user content.
The User recognises and acknowledges that any material or data downloaded or unless collected by the Website is done entirely at his/her responsibility and risk, and he/she will be only liable for any harm to his/her computer systems or lack of data that occurs from the download of such substance or data. We are not responsible for any typographical mistake heading to a void coupon. The Website accepts no liability for any inaccuracies or breaches, concerning any information given to you whether on account of itself or third parties.
We shall not be responsible for any third-party product or services. The commercial accessible on email or Website concerning the third party website or the products and services are for data objective only.
14. Indemnification and limitation of liability
You accept to reimburse, protect and hold harmless this website/company including but not restricted to its affiliate vendors, brokers and employees from and opposite to any damages, debts, claims, losses, demands, costs and charges (including legal fees and expenses in association in extension to that and interest liable thereon) said against or incurred by us that start, emerge from, or maybe payable by, any violation or non-performance of any description, guarantee, covenant or contract made or responsibility to be completed by you under these Terms of Service. Moreover, you agree to hold us safe against any allegations made by any third party due to or standing out of, or in association with, your use of the Website, any claim that your material caused damage to a third party, your violation of the terms of Service, or your infringement of any rights of another, including any intellectual property rights.
In no case shall the Website, its officers, directors, employees, associates or suppliers be responsible to you, the merchant or the User or any third party for any special, accidental, indirect, significant or punitive losses whatsoever, including those emanating from loss of use, data or profits, whether or non-foreseeable or whether or not we have been notified of the occurrence of such injuries, or based on any opinion of responsibility, including infringement of contract or guarantee, negligence or other tortious activity, or any other claim resulting out of or in connection with your use of or a way to the Website, services or elements.
The constraints and omissions in this part apply to the greatest extent permitted by appropriate law.
15. DISPUTES ARISING OUT OF THIS AGREEMENT
All disputes, including but not restricted to rights given, wages, refunds, and a two-step Alternate Dispute Resolution mechanism will solve other claims.
Stage 1: Mediation. In the event of a conflict, the matter will first be tried to be solved by a sole medium which is an unbiased third party and will be chosen at the shared acceptance of a suggested negotiator by both parties. Both parties may suggest a name for the sole mediator, and in the situation, both parties allow the proposed name, the said person shall be selected as the only mediator. In condition the parties can not reach an agreement within two recommended mediators, the sole proprietorship holds the right to choose who the final peacemaker is. The judgment of the mediator is not obligatory on both parties.
Stage 2: Arbitration. Suppose the dispute is not settled by mediation. In that case, it shall be referred to and finally resolved by arbitration, which shall be governed by the law, rules and regulations of Bangalore, India. The Arbitral award is binding on both parties. The Arbitration Board shall comprise three members – one appointed by each party and the third member to be nominated by the two elected members by mutual consent. The arbitration shall be held at Bangalore. The proceedings of arbitration shall be in the English language. The arbitrator's award shall be final and binding on the Parties.
The exclusive jurisdiction and venue for actions and disputes mentioned above shall be the courts located in Bangalore, India and You at this moment submit to the personal jurisdiction of such courts.
16. PRIVACY
We inspire You to understand the Privacy Policy and to use the information it contains to make informed decisions regarding Your data. Please also note that certain information, statements, data and content (such as but not limited to videos) which You provide on the Website are likely to reveal Your gender, ethnic origin, nationality, age, or other private information about You. You accept and acknowledge that Your submission of such information is voluntary on Your part. Further, You accept, consent, and agree that we may access, preserve, and disclose information. You provide to Us at any stage during Your use of the Website. Disclosures of information to Third Parties are further addressed in Our Privacy Policy.
17. NOTICES
Any communication relating to any dispute or grievance experienced by the User may be communicated to the Company by the User.
18. MISCELLANEOUS PROVISIONS
Entire Agreement: This Agreement is the comprehensive and exclusive statement of the agreements between You and Us concerning the subject matter hereof and supersedes all other communications or representations or agreements (whether oral, written, or otherwise) relating to it.
Waiver: The omission of either party at any time to demand performance of any provision of this agreement in no manner shall affect such party's right at a later time to enforce the same. No waiver by either party of any breach of this agreement, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or construed as, a further or continuing waiver of any other such breach, or a waiver of any other breach of this agreement.
Liability: The Website and the Company shall are not liable in any way for User Content, including, but not limited to, any errors or omissions contained therein, or any loss or damage of any kind incurred as a result of the use of any User Content posted, emailed, conveyed or otherwise made accessible via the Service or broadcast elsewhere.
Severability: If any terms of this agreement shall to any extent be held invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions of this agreement shall in no way be affected or impaired thereby, and each such provision of this agreement shall be accurate and enforceable to the full range allowed by law. In such a case, this agreement shall be reformed to the minimum extent necessary to correct any invalidity, illegality or unenforceability, while preserving to the maximum extent the rights and commercial expectations of the parties hereto, as expressed herein.
19. CONTACT US
You can contact us here