Thank you for visiting digikredit.com. Digikredit Finance Private Limited (“Digikredit”) (us, we, our, Company or Digikredit) is the author and publisher of the internet resource www.digikredit.com (“Website”) on the World Wide Web as well as the software and applications provided by the Company, including but not limited to the software and applications on the Website.

The information provided under this website is available to you (“User” or “You”), solely for the purposes of information. By using the software and/or availing the products offered on the website (“Services”), you agree that you are availing the Services offered by the Company and are bound by the terms and conditions (“Terms”) contained herein below.

All rights are reserved by the Company. The content, code and applications contained on this Website, under the domain www.digikredit.com are copyright protected. Users may not reproduce, copy, or redistribute content or code in any form without prior written permission from the Company except for purely personal and non-commercial uses.

All the statements in these Terms apply to all users, and all users are therefore required to read and understand these Terms set out herein prior to accessing or utilizing any Services from , the Company failing which they are required to leave the Website immediately.

You are advised to read though carefully and in its entirety prior to using the website. When you access, browse or use this Website, you accept, without limitation or qualification, the below mentioned terms and conditions and notices stated herein, as updated from time to time. If you do not want to be bound by the Terms, you agree to immediately discontinue your use of this Website.

Availability:

The Company controls and operates this Website from India and the Terms are solely governed by and must be interpreted in accordance with Indian laws. Our Services are offered only in countries where they may be lawfully offered by the Company. The materials & services offered on this Website are not intended for use by persons located in, or resident in territories that restrict the distribution of such materials. The information provided on this Website is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Website shall not be considered as communicating any invitation or inducement to engage in any activity outside any jurisdiction where the Company is not licensed or authorised to perform such activities.

Not all of our Services that you may be able to view via this Website may be available in all geographical locations served by us. The reference to such products and services on the Website does not imply or warrant that these products or services will be available at any time in your particular geographical location. It is the responsibility of any persons accessing this Website and any information available through this Website to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. The Company may decline to provide you with its Services solely based on your location.

We may modify or discontinue any Service, any information or features that form a part of the Website, at any time, with or without notice to you, and without liability.

We reserve the right to undertake all necessary steps to ensure that the security, safety and integrity of our systems as well as its user’s interests are and remain, well-protected. Towards this end, we maytake various steps to verify and confirm the authenticity, enforceability and validity of your acts, requests or information placed by you.

Relying on Information:

The Services on this Website do not constitute an offer or recommendation of any products or services provided by us or any of our partner NBFCs and other Financial Institutions. By accessing this Website the User wishes to gain, for its own use, more information about the Company and the Services offered by the Company.

No representation is given that any services discussed in or accessible through this Website are suitable for you or any particular person. You acknowledge that your use of this Website and any requests for information you have made as a result of visiting this Website have not been solicited by the Company or any of its affiliates and that the provision of any information through this Website shall not constitute or be considered investment or financial advice. The information contained on this Website is not intended to provide professional advice. Persons accessing these pages should obtain appropriate professional advice when necessary.

The Company retains the absolute right to determine eligibility for subscription to any of the Services.
The User acknowledges and confirms that the Company has the right to (a) limit, deny or restrict the use or access to the Website in entirety or certain portions of the Website to users, including yourself, at its sole discretion, (ii) deny provision of any/all of its services to particular users without any prior notice/explanation in order to protect the interests of the Company and/or other Users, as determined in the sole discretion of the Company, (iii) reject a User from registering on the Website without assigning any reason thereof, (iv) suspend/cancel/deactivate any user’s account/ registration for any reason which the Company shall deem fit, at its sole discretion, or (v) delete, edit or move any content posted or provided on the Website for any reason whatsoever.

We do not represent or warrant that the Website will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.

Privacy Policy:

The User hereby consents, expresses and agrees that he has read and fully understands the Privacy Policy of this Website. The User further consents that the terms and contents of such Privacy Policy are acceptable to him. By submitting data to us or our agent or by using this Website, you consent to our use of such data, in the manner set out under the Privacy Policy and agree to be communicated by us to facilitate your usage of our Services.

Account Details:

The Company shall not be held responsible in any way for direct, indirect, special or consequential damages arising out of any unauthorized use of the User account. In the event of any unauthorized use of your password or account or any other breach of security, you are required to notify us immediately.

Intellectual Property:

The User has no right to use or copy any of trade names, trademarks, service marks, logos, domain names, and other distinctive brand features of the Company or any other person as displayed on this Website.

The content and information contained within our Website or delivered to you in connection with your use of our Website is the property of the Company and any other third party (where applicable). The trademark, trade names and logos (the “Trade Marks”) that are used and displayed on our Website include registered and unregistered Trade Marks of ourselves and other third parties.

Nothing on our Website should be construed as granting any licence or right to use any Trade Marks displayed on our Website. We retain all proprietary rights on our Website. Users are prohibited from using the same without written permission of the Company or such other parties.

The materials on this Website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Company’s prior written consent.

User’s Responsibility :

The User agrees and undertakes not to reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or software obtained from this Website.

You hereby agree not to use contact information provided on the Website for any unauthorized purposes, including but not limited to marketing. You shall not use any hardware or software intended to damage or interfere with the proper working of the Website or to surreptitiously intercept any system, data, personal information or content on the Website. You agree not to interrupt or attempt to interrupt the operation of the Website in any manner whatsoever. The Company hereby reserves the right, in its sole discretion, to limit or terminate your access to or use of the Website at any time without notice to you.

In addition, the User shall not transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other similar form of solicitation (spam) or any material that you are not authorized to use, disclose, distribute, or share.

Personal Information :

The Company collects the information of all Users and or/applicants for financial products in accordance with the ‘Know Your Customer’ – Anti Money Laundering Standards issued by the Reserve Bank of India. By accepting these Terms of Usage you understand and accept that the Company is required to conduct a background verification and maintain the data of the User and report the same to the Financial Intelligence Unit-India (as an when applicable)./ Central KYC Records Registry.

Personal information provided by the User while registering as well as during loan application creation and submission process on this Website is done voluntarily. You agree to share your sensitive personal information and data with the Company and authorize the Company to use such sensitive personal information and data for the purpose of providing services and for any other purposes as may be required by the Company or such third parties for its business.

We assure that the personal information collected from the Users is considered necessary for providing Services to our Users and shall be used for the purpose for which it has been collected.

The User is therefore completely informed that the Company accesses such information collected from the User in order to process, analyse, compile and exploit them, within the framework of the Services provided by the Company.
It is expressly agreed by the User that his/her personal information may be passed to a third party in order to deliver the Services requested by him/her.

Further, you authorize us to share your data with our affiliates or agents or vendors including partner NBFCs & Financial Institutions and banking companies.

You also permit us to disclose your information to service providers under contract who help with our business operations and services offered on our Website.

The User also acknowledges that he/she has been informed that the Company may transmit such data at the request of a duly recognized law enforcement and governmental agencies.

Security :

We take appropriate measures to ensure that your information disclosed to us is kept secure, accurate and up to date. This Website has reasonable security measures in place to protect the loss, misuse and alteration of the information under our control. We utilize firewalls, SSL encryption technologies, and secured server and authentication procedures for security purposes for our Website.

Internet Communications may be susceptible to interference or interception by third parties. We assume no liability for any disclosure of information due to any errors in transmission, unauthorised third party access to our Website and data bases or other acts of third parties, or acts or omissions beyond our reasonable control.

Despite our best efforts, we make no warranties that the Website is free of infection by computer viruses or other unauthorised software. You should take necessary precautions while using the Website and take necessary steps in order to keep the Website secure. This includes clearing your Internet browser cookies and cache before and after using any services on the Website.

While we make every effort to make sure the content is updated on the website, we do not guarantee the content to be up-to date at any time. The Company cannot be held responsible for any type of errors including typological errors, omissions relating to our products or any other information.

Although the Company will attempt to keep the Website free from all objectionable messages, you agree and acknowledge that it is impossible for the Company to review all content on the Website. All User content express the views of the respective user and not those of the Company, and any errors or omissions in such User content is attributable to the respective user. Any user who is of the opinion that specific content on the Site is objectionable, is encouraged to contact the Company immediately. Notwithstanding the foregoing, the Company shall not be obliged to remove such objectionable content from the Website.

Authorization :

The User authorizes The Company, its partner NBFCs and other financial institutions and its representatives to call or SMS the user with reference to his/her application. This consent will override any registration for DNC / NDNC.
Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. The Company is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.

E-mail messages sent to the Company over the internet cannot be guaranteed to be completely secure. The Company is not responsible for any damages incurred by users if they send a message to the Company or its affiliates, or if the Company or its affiliates send a message to them at their request, over the internet. The Company is not responsible in any way for direct, indirect, special or consequential damages arising out of the use of this Website.

By using this website, you hereby give your consent to Digikredit to call on your phone number and to generate and receive your Credit Report/commercial Credit Report from any/or all of the Credit Bureau’s for the purpose of Loan underwriting and account monitoring. You also confirm that you have read and agreed to Digikedit’s Privacy Policy, Interest Rate Policy and Terms of Use.

In respect of any transactions which may be entered by you from time to time, Digikredit’s own records of such transactions, maintained through computer systems or otherwise, shall be accepted as conclusive and binding for all purposes. More particularly, the record of Digikredit generated by the transaction(s), including the recording of the time of the transaction(s), shall be conclusive proof of the genuineness and accuracy of such transactions.

I/We hereby further authorize Digikredit and or it’s Lending/Business Partner’s to send me/us any Promotional, Service and Transactional communications namely SMS’es, or automated robot calls, emails,WhatsApp messages and any other media of communications, etc for such communications.

I agree that Digikredit may contact me/us via phone or e-mail with information on new products and services, for Top up loans, for selling third party products for EMI and other payment reminders and assist me in using any of Digikredit’s new offerings irrespective of the outcome of this loan application. I, would like to know through telephonic calls, or SMS on my mobile number mentioned in the Application Form as well as in this undertaking, or through any other communication mode, WhatsApp messages, transactional information, various loan offer schemes or loan promotional schemes or any other promotional schemes which may be provided by Digikredit or it’s Business Partners and hereby authorize Digikredit and their employees, agents, business partners or associates to do so. I confirm that laws in relation to the unsolicited communication referred in “National Do Not Call Registry” (the “NDNC Registry”) as laid down by TELECOM REGULATORY AUTHORITY OF INDIA will not be applicable for such communication/calls/ SMSs received from Digikredit, its employees, agents business partners and/or associates.

I/We hereby authorize you and confirm that the laws in relation to the Unsolicited Communication(UCC) referred in “National Do Not Call Registry” as laid down by Telecom Regulatory of India(TRAI) and amended from time to time , will not be applicable for such communications/ calls/ SMS’s/WhatsApp messages received from Digikredit or its representatives, lending partners, service providers and agents and I/we hereby explicitly grant our consent to Digikredit in this respect. I/We hereby further authorize you to consider my/our aforesaid authorization for Unsolicited Communication (UCC)/TRAI Regulations as a continued authorization in perpetuity until withdrawn/opted out by me/us for the aforesaid purposes.

I, hereby give voluntarily, at my own discretion, proof of possession of Aadhaar number/eAadhaar as issued by the Government of India, with the Aadhaar number duly redacted to Digikredit along with my other KYC documents for the purpose of opening an account based relationship with you and hereby voluntarily give my consent to use my Aadhaar details for the purpose of authentication with UIDAI. The Aadhaar card details voluntarily furnished by me is true, correct and complete.

I confirm and further state that, I have understood that Digikredit has outsourced some of their activities like Document Pick-up, Verification of Information and Documents, Technical Services, Collection and Recovery, Video CIP(Customer Identification Procedure),Video Personal Discussions(Video PD) and any other processes not mentioned herein etc. and agencies/vendors so appointed by Digikredit for the above mentioned purposes will be contacting or visiting me in connection with the loan to be availed by me/us from Digikredit or it’s Lending/Business Partners, to assist me in the repayment of the loan availed by me/us and I hereby expressly authorize Digikredit Finance Private Limited(Digikredit)/ its Agent’s /Vendors/Business Partners in connection with/for the above mentioned activities.

I authorize Digikredit Finance Private Limited(Digikredit) / its Agent’s to make references, enquiries relevant to information in this Application Form and further authorize Digikredit / its Agent’s to verify my documents which Digikredit / its Agents consider necessary for the purpose of availing of loan or any other products from Digikredit or any of it’s Lending Partners. I hereby authorize Digikredit, without any notice to me to conduct credit checks, make references, make enquiries, verify my KYC and other documents given to Digikredit in its sole discretion and also hereby authorize Digikredit and its agents/lending partners to share my/our information or data with Digikredit service providers and lending partners, Credit Bureaus’ and other statutory authorities which will help in credit assessment and underwriting and also obtain information, records, returns from any agencies, statutory bodies/authorities like GST/Income Tax/Registrar of Companies/Mobile Data/Social Medial data, credit bureau, banks , financial institutions, or any third party in respect of the loan application , as it may consider necessary for the purpose of grant of loan to me/us and in compliance to any regulatory requirements. Digikredit shall not be liable for use / sharing of my/our information.

I understand that I have an option of not providing the information as required in this application form or as may be required by Digikredit from time to time, however, I do hereby expressly and irrevocably authorize Digikredit to collect, store, share, obtain and authenticate any aspect of my personal information / KYC either directly or through any of the authorized agencies and disclose such information to its agents/contractors/service providers, business partners and to also use such information in the manner that may be required by Digikredit including for the purposes of this loan and for purposes of its business and for such time period as they may deem fit. In this regard, I/we expressly and irrevocably authorize Digikredit to collect, use, verify and authenticate my personal identity information / KYC in any manner without any notice to me. I hereby authorize Digikredit to disclose without notice to him/her/them information furnished or related documents executed or to be executed in relation to the facilities availed from Digikredit, to Digikredit’s other branches, subsidiaries, affiliates, Credit Bureaus, Rating Agencies, Service Providers, Banks/Financial Institutions, Government/Regulatory Authorities or third parties for credit risk analysis, or for other related purposes that Digikredit may deem fit.

Digikredit shall be entitled at its sole and absolute discretion to approve/ reject this Application Form submitted by me.

Use of Information :

By agreeing to these Terms of Use you hereby specifically agree to allow the Company to use your information in the manner as set out in Clause 3 of the Privacy Policy.

Third Parties and Hyperlinks :

This Website provides hyperlinks to other locations or websites on the internet (“Embedded Websites”). These hyperlinks may lead to websites published or operated by third parties who are affiliated with the Company. They have been included in our website to service your loan requirement. We endeavour to select reputable third party vendors to fulfil your loan requirement. Please be mindful that when you click on a link and leave our website you will be subject to the terms of use and privacy policies of the other website that you are going to visit. The Embedded Sites are not under the control of the Company and the Company is not responsible for the contents of any Embedded Site, including without limitation any link contained in an Embedded Site, or any changes or updates to an Embedded Site. The Company is not responsible for any form of transmission, whatsoever, received by you from any Embedded Site.
The display on this Website of any products offered by third parties does not in any way suggest that The Company approves, endorses, recommends, guarantees or introduces any of these third parties or products or extends any advice to the User about the third parties or their products.

We are not in any way responsible for the content & process of any externally linked website or webpage. You use or follow these links at your own risk and The Company is not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the link. The Company is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by The Company.

You will be redirected to the webpage of Perfios Software Solutions Private Limited (“Perfios”) and/ or other third party vendors that the Company has tied up with, for the purposes of obtaining your bank statements and credit history. Perfios and/ or any other third party vendor that you may be redirected to, are not under the control of the Company and the Company is not responsible for any breach and/ or misuse and/or loss of data due to the conduct of Perfios or any other third party vendor.

By signing up on this Website and giving us your details, and by agreeing to these terms of Use, you hereby provide us explicit consent to use your details including but not limited to your name, pan number, Proof of possession of Aadhar number, telephone number to generate a credit report from any/or all of the Credit Bureau’s for the purpose of Loan underwriting and account monitoring and to conduct a background check including a physical verification and background checks on the internet or on social networks, verification against known cases of fraud and generating your Credit Reports.

You must always obtain the prior written approval of The Company before creating a hyperlink in any form from a third party website to this Website. The Company may or may not give such approval at its absolute discretion.
The Company reserves the right to object or disable any externally linked website to or from the Website.

Eligibility & Finance :

We are in the business of providing finance of small and medium enterprises which qualify the parameters set by us. On successful submission of your details including and financial statements, we shall process the same and display an indicative amount of finance that you may be eligible for. Please note that this amount is strictly tentative and may increase or decrease based on the credit reports generated by our vendors, review or verification of the documentation provided by the User or any other process or policy of the Company. All financing shall be contingent on successful verification of the User’s documentation by the Company. Digikredit shall be entitled at its sole and absolute discretion to approve/ reject this Application Form submitted by me.

Liability :

The Company does not guarantee that the User will be sanctioned credit facilities and accepts no responsibility or liability in the event the User is unable to avail of the credit facility that the User has applied for.
Any data provided on the website www.digikredit.com is a resource for information purposes only. The Company makes no endorsement of, is not responsible for and makes no representations or warranties with respect to links from this Website to other information, websites or entities. This Website is intended, but not warranted, promised or guaranteed, to be correct, complete, and up-to-date. The Company expressly disclaims and will not be liable for any act or omission or any consequence of any act or omission by the User relying on material/information provided in this Website.

Whilst every care has been taken in preparing the information contained in this Website, such information and materials are provided “as is” without warranty of any kind, either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials. The Company assumes no liability for the interpretation and/or use of the information contained or referred to on this Website.

The Company will determine, in its sole discretion, whether there has been a breach of these Terms through your use of the Website. When a breach of these Terms has occurred, the Company may take all or any of the following actions or any such action as it deems appropriate, including but not limited to the following: (a) immediate, temporary, or permanent withdrawal of your right to use the Website, (b) issuance of a warning to you, (c) initiation of legal proceedings against you for reimbursement of all resulting costs and expenses suffered by the Company on an indemnity basis (including but not limited to reasonable administrative and legal costs), or (d) disclosure of such information to law enforcement authorities as is reasonably necessary.

The Company hereby expressly disclaims all liability for any and all actions taken by it in response to a breach of the Terms committed by you.

You hereby agree to indemnify, defend, and hold harmless the Company and its affiliates and their directors, employees, contractors, agents, licensors, service providers, subcontractors, and suppliers from and against any and all losses, liabilities, expenses, damages, and costs, including reasonable legal fees and court costs, arising or resulting from your use of the Website and any violation of these Terms. If you cause a technical disruption of the Website or the systems transmitting the Website to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs, including reasonable legal fees and court costs, arising or resulting from that disruption.

You agree that in no event shall the Company or its employees, directors, shareholders or representatives be liable for any direct, indirect, punitive, incidental, special, consequential damages, or for any lost profits or revenues, business interruption, loss of data or any other damages resulting from: (a) the use or the inability to use the Website or reliance on any content contained in this Website; (b) unauthorized access to or alteration of the user’s transmissions or data; (c) damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Website; (d) any delay or inability to use the Website or related services provided on the Site; (e) non-availability of the Website during periodic maintenance operations or any unplanned suspension of access to the Website that may occur due to technical reasons or for any reason beyond the Company’s control; (f) any interruption or delay in provisions of any services or access to this Website, due to any force majeure event (g) any other matter relating to the Website or the services available on the Website, or otherwise arising out of the use of the Website, whether based on contract, tort, negligence, strict liability or otherwise.

Modification and Termination :

The Company reserves the right to suspend, terminate or restrict the User’s access to the entire or a section of this Website without notice. Further this limited license terminates automatically, without notice to you, if you breach any of these Terms. Upon termination, you must immediately destroy any downloaded and printed materials.

Governing Law :

These Terms shall be governed by and constructed in accordance with the laws of India without reference to conflict of laws principles and disputes arising in relation hereto shall be subject to the exclusive jurisdiction of the courts and tribunals at Mumbai.

Variation :

The Terms may be modified at the discretion of the Company and the User’s usage of this Website shall be governed by the Terms in effect at the time of usage. You hereby agree that it is your responsibility to check periodically for any changes made to these Terms.

Digikredit may revise and update these Terms and Conditions from time to time. Your continued usage of the Website is considered as an implied acceptance of the changes and that you agree to abide by these Terms and Conditions for usage of this Website.

Additional Terms and Conditions :

These Terms of Usage are in addition to any specific terms of usage that may be displayed on an individual Webpage by the Company. Such specific terms of usage shall be read in conjugation with the Terms of Usage, In case there is a contradiction between any terms of usage displayed on specific pages and the Terms of Usage, the specific terms shall be applicable.

No Waiver :

The Company may choose to not take any action against your failure to comply with these terms and conditions. However, we are still entitled to use our rights in case of subsequent breach in the terms and conditions.

In case you have any queries or concerns regarding our Terms of service, feel free to contact us..