TERMS AND CONDITIONS

    GENERAL


    The website “Jaldipaisa.com” is the trade name of Limitless Hub Online Services Pvt. Ltd. incorporated under the Companies Act, 2013, having its office at F-402, 4th Floor, Plot No. D-1, Ras Vilas, District Centre, Saket, New Delhi – 110 017. The terms “company” and “website” are used interchangeably as per the need of the sentence.
    As a user of this website, the user understands that the company is in the business of providing a platform bringing borrowers and the lenders together by providing information of the users to the lenders under the express consent of the users to share such information for the purpose fixed. Using the website means that you have clearly and in unequivocal terms, without doubts, agreed to the terms and conditions of the company after reading them properly and understanding them and have also seen, read and understood the “Privacy Policy” of the company. In case of doubts, disagreements with the terms and conditions please do not use the website in any manner, much less the question of taking services. The website has a right to suspend or terminate the services provided to a user anytime without prior notice or information and the user should no more use the website. “Company and “website” are being used interchangeably as per the need of the sentence. “You” and “your” refer to the user of the website. The company is not created under the Banking Regulation Act, 1949. This website is to be used by persons in India only and someone using outside India will do so at his / her own risk. The terms and conditions have been made as per Indian law for Indian nationals.
    Users are those using the website.

    ACCESS AND ELIGIBILITY


    The user of this website admits that he is a natural or legal user of the site and that he has attained majority and is capable of entering into a contract as per the law of the land. The user has full authority to use the website, it has to be assumed, as the case may be, i.e., authorised persons in case of companies, partnerships etc. He further agrees to strictly abide by the terms and conditions of the company and the “Privacy Policy”. If anything contrary is found, i.e., age, information, the profile of the user may be immediately deleted without notice. This is an agreement between the website company and the user.
    The company in no manner indulges in the activities of lending or borrowing. The final decision to borrow or lend rests with the user as a consumer and the lenders. The company reserves its rights to modify the terms and conditions.
    The information may also be shared with third party verification agencies and collection agencies etc.

    TRUE AND COMPLETE INFORMATION


    The User also unequivocally agrees to provide true, accurate, current and complete information as sought by the registration form of the Website. Your personal information as User of this Website shall not be shared by the company to any unrelated third parties without your consent, except in case where a Court of law or any authority asks for it. In any event, the disclosure once made in the compelling circumstances, the same will be intimated to you at the earliest at the phone number / email address provided by you. Using this website means that your due consent has been taken.

    SUPERVISION


    The website has full right and authority to supervise and / or monitor the website and also includes the right to supervise and / or monitor the contents contained in the account of the user. Inappropriate or material not allowed to be uploaded legally may be removed as per the Terms and Conditions and the “JaldiPaisa Privacy Policy” and no claims can be made against the website. The removal may be without notice to the concerned user/s.

    PRIVACY AND CONSENT


    The website is committed to protecting the privacy and the confidentiality of the personal information of the user. It will take all reasonable steps from unauthorized disclosure. However, there can be no liability fastened upon the website whatsoever for any disclosure of personal information due to unauthorized third party access/hacking or other acts or omissions of third parties, or any other acts or omissions beyond reasonable control and authority of the website. You are further advised to read the “Privacy Policy” of the website for greater details.
    Any information shared by you is used by the website with your express consent for the purpose fixed. By submitting the personal information about yourself, you expressly consent in unequivocal terms that the same can be used by third parties in the manner deemed fit and proper in the given facts and circumstances. If you do not wish for your information to be shared, please do not use the website.
    The website reserves the right to use all information shared, with express consent and without any liability. The website reserves the right to disclose information shared by you without your consent (express or implied) and without any liabilities for anything which is required to be investigated under law and under the legal compliances. “JaldiPaisa” reserves the right to disclose information shared by you with entities engaged in providing the credit scores or credit information related services like CRIF High Mark, CIBIL, etc.
    The company will have the following consent from the user in express words for the information provided by the user.

    (a) To get credit scores from various rating agencies;
    (b) For the provision of the above mentioned services, the company will be using and sharing all the information provided by the user with multiple financial institutions and other parties, as may be required for the purpose mentioned above
    (c) to get further information from other private and government agencies / persons / individuals/ companies/ firms etc. to validate, authenticate check the details of the user which may be used to assess the financial creditworthiness of the user;
    (d) to use the information and get other information from other websites, government and private;
    (e) to make appropriate offers.
    (f) for any other incidental, ancillary or connected purpose etc.
    (g) as stated in the “Privacy Policy” of the website.
    The user gives his express consent to make the information available outside India also, if required.
    If the user wishes to use the Website, he / she is required to maintain an account and will be required to furnish certain information and details, including his / her name, email id, contact number and any other information deemed necessary by the company. By providing his / her contact coordinates, the user expresses consent to let Jaldi Paisa send promotional and informational communication from time to time, even if he/she is covered by Do Not Disturb services. He / she will be responsible for maintaining the confidentiality and security of his / her account, password, activities that occur in or through your account and he would further ensure that his information is not shared by anyone else in an unauthorized manner. The user agrees to accept responsibility for all activities that occur under your account or password. The user should take all necessary steps to ensure that the password or any other information is kept confidential and secure and should inform the company immediately if you have any reason to believe that your password or any other information has become known to anyone else, or if the password or any other information is being, or is likely to be, used in an unauthorized manner. The user is to ensure that the details provided by him /her are true, correct, accurate and complete and inform the website immediately of any changes to the information that he / she has provided when registering or at a later stage.

    NOT TRANSFERABLE


    The account which the user has created is meant specifically to be used by you and the same is not transferable and thus it is not allowed for someone else to use the same. If the account is used by someone else, it is presumed that the account concerned is being used by the actual user authorized to use the account. In case of any loss, damage etc. to the actual user is caused by the unauthorized user, “JaldiPaisa:” is not liable for the same. You will not be allowed to download any material from the website, except with the prior written approval of the company.
    The company will have the right to take corrective and penal measures if a fault is committed by the user.

    UPLOADING MATERIAL NOT ALLOWED


    The user agrees, covenants and undertakes that he / she shall not host, display, upload, modify, publish, transmit, update or share any information that —
    (a) belongs to another person and to which the user does not have any right to;
    (b) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
    (c) harm minors in any way;
    (d) infringes any patent, trademark, copyright or other proprietary rights;
    (e) violates any law for the time being in force;
    (f) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
    (g) impersonate another person;
    (h) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
    (i) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation.

    INDEMNITY


    By accessing, using and/or providing User Submissions to or through this Site, you agree to indemnify, defend and hold harmless the company from and against any actual or alleged claims, demands, causes of action, judgments, liabilities, losses, damages, and all costs and all expenses of defence arising out of or relating to:
    (a) your breach of your representations;
    (b) your unauthorized use and / or access to the site;
    (c) your violation of any third party right, including but not limited to intellectual property rights, privacy rights etc.
    (d) any claim that one of the submissions made by you caused damage to a third party;
    (e) your violation of these Terms and Conditions or any law;
    (f) a claim by a third party that is based on your use of this Site and/or the Content;
    (g) Company’s and/or Affiliate's use of any information you provide, including, without limitation, User Submissions or
    (h) any misrepresentation made by you, etc. You will cooperate as fully and as reasonably required in Company's defence of any claim. You shall not in any event settle any matter without the written consent of the company. This defence and indemnification obligation will survive termination of these Terms and Conditions or discontinuance of your use of the website.

    PROTECTION


    In case any loss is caused to the company because of the acts / omissions of the user, the user shall indemnify the company for all the losses so caused including for but not limited to mental agony, counsel’s fees, damages, claims, loss of goodwill etc.
    In no event shall the company be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this Website or with the delay or inability to use this Website, or for any contents, information, software, products, features and services obtained or used through this Website, or otherwise arising out of the use of this Website, whether based on contract, tort, strict liability or otherwise. This waiver applies, without limitation, to any damages or injury arising from any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, file corruption, communication-line failure, network or system outage, or theft, destruction, unauthorized access to, alteration of, or use of any record.

    GRIEVANCE OFFICER


    In case of any complaint, a complaint may be made in writing via an e-mail to Ms. Ritu Rani at privacy@jaldipaisa.com who would be the Grievance Officer and he would try and sort out the issue and amicably settle the issues at the earliest.

    NO LIABILITY


    The user has chosen to use the website at his / her own risk and the company / website is not liable for any loss etc. caused to the user for any reason whatsoever. In case the user is not satisfied with the terms and conditions, he / she is advised not to use the website.
    The user accepts that the company is not liable for any loss or damage of any nature due to any force majeure event.
    Notwithstanding anything to the contrary contained herein, neither the company nor its affiliated companies, subsidiaries, officers, directors, employees or any related party shall have any liability to you or to any third party for any direct, indirect, incidental, special or consequential damages or any loss of revenue or profits or loss of expectations or actual loss arising under or relating to these terms and conditions. To the maximum extent permitted by law, you waive, release, discharge and hold harmless the company, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Website.
    As a User you also acknowledge that the company has maintained and carried out all possible checks and balances to assure the credibility of the Users as listed and/or required and/or provided. The information provided on the Website is based on the information that is provided to the company. In case the user does not disclose any information to the company, and the same is not found out at the first instance by the company or are found to be incorrect / false/ misleading despite all measures adopted to check and ascertain the credibility of a User, the company shall not be responsible for any claims or liabilities. The company in any event is not responsible for any default in return of money that is borrowed from the lender or any dispute between the borrower and the lender. The company is an information platform and the User is entitled to conduct its own diligence before taking any steps to initiate the processes stated in the Website.
    The user also understands that granting of loan, any financial solution etc. is the discretion of the bank / NBFC / lender finally granting the loan and the company is only a facilitator and would perform functions only to the extent permitted and authorised by the concerned bank / NBFC / financial institution/ lender etc.

    LINKS TO THIRD PARTY WEBSITES AND MISUSE BY OTHERS


    The Website may include links to other websites. The inclusion of a link does not imply any endorsement, consent, express or implied, by “Jaldi Paisa” of the third party website, or the information on the third party website. If the Users submit personal information to any of those websites, such information is governed by the privacy policies of such third party websites and “Jaldi Paisa” will have no responsibility or liability with respect to the doings of those other websites. It is recommended that the user reads and understands the policies of such third party websites. In case of doubts, disagreements with the terms and conditions please do not use the website in any manner, much less the question of taking services. The website does not take any liability of the losses, damages caused by the use of other websites.

    NO WARRANTY


    The company is not responsible for any dispute between the borrower and the lender. Such disclaimer of liability includes but is not limited to default of payment, supposedly higher rate of interest, issues relating to security etc. etc.
    The website makes no representations or warranties about the accuracy, reliability, completeness, current status and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted. Though adequate precautions are taken, some typographical errors may still have crept in, in the contents of the website“Privacy Policy” or the “Terms and Conditions” or other places in the website, for which the website / company is not liable in any way. The user is advised to check the accuracy of the information provided. Consequently, the website assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website; and/or any interruption or errors in the operation of the Website. This limitation of liability clause shall prevail over any conflicting or inconsistent provision contained in any of the documents / content comprising the Terms and Conditions. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses other items of a destructive nature.
    You expressly understand and consent to the fact that use of all the services over the website and all figures, rates, information, products, data (including that of third parties) accessible from the service is solely your risk and responsibility. The information is on “as is” and “as available” basis. The company disclaims all warranties of any kind as to the service and all other all figures, rates, information, products, data (including that of third parties) included or displayed over the website and also whether the all figures, rates, information, products, data (including that of third parties) are for a particular purpose or not.
    There is no warranty that the service will meet the requirements or expectations (even legitimate), the results and the outcomes will be accurate, perfect and reliable; the service will be timely and error-free, uninterrupted and secure. You are solely and exclusively responsible for any damage caused to the computer resource, computer system, laptop and gadgets of the like after using the website or downloading something from it. It is also clarified that no information provided by the company, whether through email, oral, written, Whatsapp or any other mode of communication will create any warranty until and unless expressly provided for in the terms and conditions.
    The company would not be liable for any loss or damage etc. even if the service provider has been advised of the possibility of such loss or damage etc. resulting from or a consequence of using the service in any manner whatsoever or relating to the service.

    FINALITY


    The present “Terms and Conditions" are final and so is the “Jaldi Paisa Privacy Policy”.

    SEVERABILITY


    In case one or more clauses of the terms are found to be invalid by a Court of competent jurisdiction, the rest of the Agreement will be enforced and that one clause held to be invalid, will have no effect on the rest of the Agreement.s

    DISPUTES


    In case of any disputes arising out the terms and conditions herein, the laws of India will apply and the Courts at Delhi will have exclusive jurisdiction to deal with the issues.