Terms and Conditions

GENERAL TERMS OF USE

These General Terms Of Use (hereinafter referred as “Terms”) contained herein on this webpage, shall govern your use of www.Loanqubes.com, including all pages within this website and its Mobile Application (collectively referred to herein below as this “Website”), owned and operated by LoanQubes Financial Services Private Limited (CIN- U65999DL2019PTC349782) (hereinafter referred as ‘’LoanQubes’’), a company incorporated under the laws of India and registered under the provisions of The Companies Act, 2013 ..

This document/agreement/understanding (“Agreement”) is an computer-generated electronic record in terms of Information Technology Act, 2000 (“Act”) and rules thereunder as applicable and amended from time to time and does not require any physical or digital signatures. This Agreement is published in terms of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules, privacy policy and terms and conditions for access and/or usage of Website.

By accessing LoanQubes’ website or using its products, software, services, and application (Services) or registering your information on the Website, the users (hereinafter referred as “you, or “your”) consent, agree and undertake to abide by these Terms, the Legal Disclaimer and the Privacy Policy, as posted on the Website. If you do not agree to be bound by these Terms and the Privacy Policy, please do 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 in force as LoanQubes reserves the right to change or otherwise modify these Terms, at any time, at its sole discretion and without any prior notice. If you object to these Terms or any subsequent modifications to these Terms in any way, your only recourse is to immediately terminate use of the Website. We may require you to agree to additional terms (if any) between you and LoanQubes in connection with specific services that you may avail from time to time. The service provided by LoanQubes through Website is available and appropriate only for use in India.

DESCRIPTION OF SERVICE

On the Website, LoanQubes provides you with information primarily about Financial products and services including but not limited to home loans, personal loans, car loans, loans against property, etc provided by financial institutions and financial service providers other organisation in connection with the Services provided by us and those providers.

While LoanQubes’ has made every effort to ensure that such information is correct and complete, we have relied on the information provided to us by the Providers. LoanQubes takes no responsibility and do not make any representations, either express or implied, as to the quality, accuracy, reliability or credibility of information or material provided or linked on the Website by the Providers or the tools (or any calculation) or tables on the Website.

Your continued usage of the Services from time to time would constitute acceptance of the Terms including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.

You agree and authorize LoanQubes to share your information with its group companies and/or other third parties, in so far as required for marketing purposes/offering various Services and/or to provide you with various value-added services, in association with the Services selected by you or otherwise. You agree to receive communications through e-mails, telephone and/or SMS, from LoanQubes or its third-party vendors regarding the Services/ancillary Service updates, information/promotional emails and/or product announcements. You also agree that LoanQubes reserves the right to make your details available to its partner banks/financial institutions and that you may be contacted by the Partners/Advisors for information through email, telephone and/or SMS. If you request not to receive such communication/marketing material any further, it shall be applicable prospectively only and shall not apply in respect to your data already shared by LoanQubes with its partners upon your prior consent. In case you do not wish to receive any such communication/marketing materials from our partner/advisor banks/ financial institutions, we request you to kindly get in touch with them independently, without involving LoanQubes.

You hereby specifically understand and agree that by using the Website you authorize LoanQubes and its affiliates and partners/advisors to contact you for any follow up calls in relation to the Services provided through the Website. You further agree and consent to receive communications on your phone/mobile number provided by you on the Website and expressly waive any registration made under DND/NCPR list under TRAI regulations.

LoanQubes will retain and use your information as necessary to comply with its legal obligations, resolve disputes and enforce its agreements entered into for providing Services and ancillary services.

PROPRIETARY RIGHTS

You acknowledge and agree that all rights, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether registered or not) exclusively belong to and are owned by LoanQubes . You further acknowledge that the Services may contain information which is designated confidential by LoanQubes and that you shall not disclose such information without LoanQubes’s prior written consent. The contents of the Website, including but not limited to text, graphics, images, logos and button icons, photographs, editorial content, notices, software and other material are the owned/licensed by/to LoanQubes and/or its third Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws.

Subject to these Terms, LoanQubes hereby grants you a non-transferable, non-exclusive, royalty-free, limited license to access and make personal use of the Website and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You further acknowledge and agree that do not have the right to use any of LoanQubes’ trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. and/or to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services and will not copy or transmit any of the Services.

USAGE OF THE WEBSITE

You agree and acknowledge that the Website is strictly intended for personal and non-commercial use.You shall register to become a member of the Website only if you are of the age of 18 or above and can enter into binding contracts as per applicable laws.

You are responsible for maintaining the secrecy of your passwords, login and account information and 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 shall provide true, accurate, current and complete information about yourself as and when prompted by the Website. Incase any information is found to be untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or LoanQubes has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, LoanQubes shall have the right to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.

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.

LoanQubes may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application.

The usage of the Website may also require you to provide consent for keying in your Personal Information (“PI”) (including but not limited to user ids and passwords), as may be necessary to process your application through this Website. PI 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. LoanQubes shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, LoanQubes shall not be liable to you against any liability or claims which may arise out of such transactions.

You will not use any method or process (including but not limited to data scraping, collection or accumulation tool, robot, spider or scripted responses) for the purpose of obtaining, processing, selling, copying, replicating, distributing, reconfiguring, republishing, viewing, assessing, analysing, modifying or repackaging the content available on the Website;

You will not take any action that imposes an unreasonably or disproportionately large load on LoanQubes’ infrastructure/network or use any device, or interfere or attempt to interfere with the LoanQubes’ Services or transmit any material which contains viruses or other computer codes designed to interrupt, limit or destroy the efficient operation of this Website, its software or hardware..

You use not use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or laws of India or any local laws that might apply to you.

You may only use the Website to search for and to apply for loans or other financial products as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website.

. LoanQubes does not provide any Service to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey.

You are prohibited from posting or transmitting to or through this Website: (i) any unlawful, threatening, libellous, 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.

LoanQubes reserves that right, at its sole discretion, at any time and without advance notice or liability, to suspend, terminate or restrict your access to all or any component of the Website

PRIVACY POLICY

By using the Website, you hereby confirm that you have read, understood and accepted our Privacy Policy and further consent to the use of your information as we have outlined therein.

OUR PARTNERS/ADVISORS

It is hereby agreed and acknowledged that your interaction with any third party accessed through the Website is at your own risk, and LoanQubes will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence 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.

You further agree and acknowledge that the credit shall be at the sole discretion of LoanQubes’s financial partners ) while making any application through the Website for a financial product offered by such financial partners; LoanQubes shall not be held liable for any delay, rejection or approval of any application made through its Website.

DISCLAIMER OF WARRANTY

By Accessing and/or using the Website, you have read, understood and agree to be legally bound by the terms of the Disclaimer.

You further expressly understand and agree to the following disclaimers to the extent permitted by applicable law:

Your use of the Website and all content and Services provided on the Website is at your own risk and free will and LoanQubes does not warrant or guarantee the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of the information, content or Service and further disclaims liability for errors or omissions in the same.
The Website and all content and Services provided on the Website are provided on an “as is” and “as available” basis, , without any warranty, either express or implied. LoanQubes disclaims all warranties, including, but not limited to, any implied warranties of non-infringement, title, merchantability or fitness for a particular purpose, accuracy or any warranty that the site is free of viruses or other harmful components, as well as all warranties arising by usage of trade, course of dealing, or course of performance. This does not affect those warranties that are incapable of exclusion, restriction or modification under the laws applicable to this Agreement.

LoanQubes makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any Services offered through the Website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations.

LIMITATION OF LIABILITY

You agree to the following limitation of liability to the extent permitted by applicable law:

Under no circumstance LoanQubes (including its officers, directors, employees, representatives, agents, licensors, affiliates, and providers) will not be responsible or liable for
and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by LoanQubes (including its officers, directors, employees, representatives, agents, licensors, affiliates, and providers) in connection with any claim by a third party (including any intellectual property claim) arising out of (i) your use of, receipt of, obtaining of, or access to the Website or its content (ii) a third party’s use of such content and make available to such third party, or (iii) your violation of this Agreement or any applicable law.
Any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (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 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. The Website may provide links to other third-party websites. However, since LoanQubes has no control over such third-party websites, you acknowledge and agree that LoanQubes is not responsible for the availability of such third-party websites and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third-party websites.

You further acknowledge and agree that LoanQubes shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third-party websites. Such third-party website may have separate terms and conditions and privacy policy, and which are independent of LoanQubes and therefore, we advise you to read the terms and conditions available on such website before you access any such third-party website.

You further agree that LoanQubes (including its officers, directors, employees, representatives, agents, licensors, affiliates, and providers) reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of LoanQubes (including its officers, directors, employees, representatives, agents, licensors, affiliates, and providers)

INDEMNITY

You agree to fully indemnify, defend and hold LoanQubes (and its parent, any affiliates, any group companies, any subsidiaries or their respective officers, directors, agents, employees, independent contractors or licensors) harmless from any and against any claims, losses, expenses, demands, causes of action, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys’ fees, or arising out of or related to (a) your breach of these Terms, (b) your violation of any law or the rights of a third party, or your use of the Website, (c) any unauthorised, improper, illegal or wrongful use of your account by any person. Including any third party, whether or not authorised or permitted by you, (d) your breach of any representation, warranty, covenant or undertaking under these Terms or under applicable law. This indemnification shall survive the expiry of termination of these Terms and your use of this Website.

WAIVER

Any failure or delay by LoanQubes to enforce or exercise any provision of these Terms, or any related right, shall not constitute a waiver by LoanQubes of that provision or right. The exercise of one or more of LoanQubes’s rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to LoanQubes under these Terms or in law or at equity. Any waiver of any provision shall only be effective if made in writing and executed by a duly authorized officer of LoanQubes.

FORCE MAJEURE

You agree and acknowledge that if performance of Services/ function of the Website by LoanQubes is prevented, restricted, delayed or interfered with by reason of labour disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, malware, trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Website, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of LoanQubes and could not have been prevented by reasonable precautions, then LoanQubes shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by LoanQubes of its obligations herein or incur any legal liability on LoanQubes.

ADDITIONAL TERMS

You may not assign or otherwise transfer your rights or obligations under these Terms. LoanQubes may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else’s breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. Other terms and conditions may apply to loans, mutual funds, credit cards or other financial products that you may apply on the Website. You will observe these other terms and conditions. The laws of the India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of the same. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in New Delhi, India. In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement. This paragraph shall survive termination of this agreement.COMPLAINTS/ Report a fraud/suspicious mail/sms

LoanQubes.com offers its services free of cost to its customers and does not ask for any payment in respect of their applications for financial products offered through its website and mobile app. The customers are advised not to get lured and be wary of any calls, SMSs and emails asking for depositing any processing fees/charges in return for expediting loan/credit card approvals. You may kindly bring the details of such suspicious communications to the notice of the LoanQubes and the local police authorities.

In case you are dissatisfied with any of LoanQubes’ Services, please contact us at [email protected]

LoanQubes’ shall acknowledge your complaint within 7 days and will provide you with a resolution on your complaint within 30 days.