Terms and Conditions

Welcome to the website owned and operated by BRS Fintech Advisor Pvt Ltd (Loankideal), a company incorporated under the provisions of the Companies Act, 1956 and having its registered office at 403, Vinayak Enclave, Nursery circle, Vaishali Nagar, Jaipur - 302021.

This document/agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011.

Before you may use the website, you must read all of the terms and conditions, the Privacy Policy and the Legal Disclaimer as provided on the website. By using loankideal products, software, services and website (Services), you understand and agree that Loankideal will treat your use of the Services as acceptance of these terms from such point of usage. You may not use the Services if you do not accept the Terms. If you do not agree to be bound by these Terms and the Privacy Policy, you may not use the website in any way. It is strongly recommended for you to return to this page periodically to review the most current version of the Terms. Loankideal reserves the right at any time, at it’s sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of this website signifies your acceptance of the updated or modified Terms.

1.    Proprietary rights

You acknowledge and agree that Loankideal owns all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights are registered or not). You further acknowledge that the Services may contain information which is designated confidential by loankideal and that you shall not disclose such information without loankideal's prior written consent.

Loankideal grants you a limited license to access and make use of the Website and its Services. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party. Any unauthorized use by you shall terminate the permission or license granted to you.

 

By using the Website, you agree not to use this Website or its contents for any commercial purpose. Only registered DSA’s can gather the leads shared by Loankideal. Do not access, monitor or copy any content or information of this Website using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission. Do not violate the restrictions in any robot exclusion headers on this Website or bypass or restrict or circumvent other measures employed to prevent or limit access to this Website. Do not impose any unreasonable or disproportionately large load on our infrastructure.

 

2.    Usage of the Website

The Website is intended for personal, non-commercial use except for DSA’s who are registered on our website, and would gather leads from us. Only register to become a member of the Website if you are above the age of 18 and can enter into binding contracts. You should maintain the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).

You also agree to provide true, accurate, current and complete information about yourself as prompted by the website. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Loankideal has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Loankideal has the right to suspend or terminate your account and refuse any or all current or future use of the website (or any portion thereof) or service/products in connection thereto without any notice.

By making use of the website, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that Loankideal or its business partners may contact you either through mail or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. You specifically understand and agree that by using the website you authorize Loankideal and its partners to contact you in for any follow up calls in relation to the Services provided through the website. You expressly waive the Do Not Call registrations on your phone/mobile numbers for contacting you for this purpose. You also agree that Loankideal reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Loankideal or its Business Partners through emails or sms.

The usage of the website may also require you to provide consent for keying in your Sensitive Information (including but not limited to user ids and passwords), as may be necessary to process your application through this website. Sensitive information keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you. Loankideal shall adhere to best industry practices including information security, data protection and privacy law while processing such applications and the sensitive information interface where key in of Sensitive Information is required shall not be stored. Please note, Loankideal shall not be liable to you against any liability or claims which may arise out of such transactions.

You may only use the Website to search, compare and reach to our Business Partners for loans and other financial products as may be displayed on the website from time to time and you shall not use the Website to make any fraudulent applications. You understand that information displayed on the website may not be accurate and you would make your own decision before proceeding ahead. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.

You are prohibited from posting or transmitting to or through this website: (i) any unlawful, threatening, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this website.

3.    Privacy policy

By using the Website, you hereby consent to the use of your information as we have outlined in our Privacy Policy. This Privacy Policy explains how Loankideal treats your personal information when you access the Website and use other ancillary Services.

 

4.    Our partners

Display of loans or other financial products, offered by third parties, on the website does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of Loankideal against such third parties or their products. You agree that Loankideal is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and Loankideal will have no liability with respect to the acts, omissions, representations, warranties, negligence or breaches of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties. Your details would be shared to the Banks/NBFCs who may do a credit check on CIBIL or other credir rating agencies for assessing your credit profile and you give your consent for the same.

5.    Disclaimer of warranty

You expressly understand and agree that your use of the Services and all information, products, other services and other content (including that of the third parties) included in or accessible from the Website is at your sole risk. The Services are provided on an "as is" and "as available" basis. Loankideal makes no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability or completeness of the content on the Website or of the services (whether or not sponsored by third party service providers), and expressly disclaims any warranties of non-infringement or fitness for a particular purpose.

Loankideal expressly disclaim all warranties of any kind as to the Services and all information, products, services and other content (including that of the third parties) included in or accessible from the services, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a purpose and non-infringement. Customer should make its own discretion.

Loankideal make no warranty that (i) the services will meet your requirements, (ii) the services will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the services will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the services will meet your expectations, and (v) any errors in the technology will be corrected.

6.    Limitation of liability

You expressly understand and agree that Loankideal (including its subsidiaries, directors, officers, employees, representatives and providers) shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, opportunity, goodwill, use, data or other intangible losses, even if Loankideal has been advised of the possibility of such damages, resulting from (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website or your downloading of any content from the Website.

If, despite the limitation above, Loankideal is found liable for any proven and actual loss or damage which arises out of or in any way connected with any of the occurrences described above, then you agree that the liability of Loankideal shall be restricted to, in the aggregate, any Service/transactional fees paid by you to the Loankideal in connection with such transaction(s) on this Website, if applicable.

The Website may provide links to other third party websites. However, since Loankideal has no control over such third party websites, you acknowledge and agree that under no circumstances shall Loankideal or its employees/directors/representatives be liable for your using the services offered or provided by any third party service provider.

7.    Indemnity

You agree to indemnify and hold Loankideal (and its officers, directors and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the website.

8.    Additional terms

Loankideal reserves the right to make changes to the Website, related policies and agreements, and the Privacy Policy at any time as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services, company re-organization, market practice or customer requirements. Upon any change, Company will notify the updated Terms and Conditions on the Website or other means. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by Terms and Conditions, as amended. If you do not agree to the changes, you may please discontinue your use of the Services.

Company reserves the right to discontinue or suspend, temporarily or permanently, the Services, by giving reasonable time period notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website or maintain the security and integrity of the Services. You agree that Company will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.

 

You agree not to use the Website Services for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of other.

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