Finance Buddha is an organisation carrying on its business in India. www.financebuddha.com is a web portal which provides information about the services offered by Finance Buddha and also allows the customers to reach Finance Buddha for availing the same.
Briefly detailed below are the various terms and conditions which the user will have to abide by if they intend to use the Finance Buddha's services.
By using Finance Buddha's products, software, services and web sites (referred to collectively as the "Services"), it is expressly agreed and accepted and understood by you that Finance Buddha shall and will confirm and treat the said usage of the Services as acceptance of these terms and conditions ("Terms") from that point onwards. Further it is duly accepted and agreed upon by that pursuant you having used or agreed to use the services of Finance Buddha, you have accepted and consented to abide by the terms and conditions of Finance Buddha as detailed herein and wherever required in their services by Finance Buddha.
Finance Buddha will be coordinating delivery of loans, credit cards, insurance (life and general) or any other such services to its customers using its web portal. The user data which is furnished to Finance Buddha will be utilized by Finance Buddha for furtherance of their said services.
It is hereby duly acknowledged and agreed by you that Finance Buddha is the sole and absolute owner of all the legal right, title and interest in and to the Services, including any intellectual property rights which subsist or which may subsist in the future in the Services (whether those rights are registered or not, and wherever in the world those rights exist). You further acknowledge that the Services may contain information which is designated confidential by Finance Buddha and that you shall not disclose such information without Finance Buddha prior written consent.
It is duly hereby acknowledged and agreed upon by you that the Finance Buddha's Website and services are intended for personal, non-commercial use. It is to be duly agreed upon and understood by you that you shall register to become a member of the Website only if you are of sufficient legal age and can enter into binding contracts. You are responsible for maintaining 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 may only use the Website to search for and to apply for loans, insurance products and credit cards and you may not use the Website to make any fraudulent applications. 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. 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.
The services offered by Finance Buddha through the website, of loan, insurance and credit card product options by third parties does not in any way imply, suggest, or constitute any sponsorship or approval of Finance Buddha of the said products and their terms and conditions including the assurance of the said user being sanctioned offered the said product and services by the third parties and does not amount to Finance Buddha suggesting or recommending to the user of the said third parties or their loan, insurance or credit card products. You further expressly agreed that Finance Buddha 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 Finance Buddha 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.
The Website and all content and services provided on the Website are provided on an "as is" and "as available" basis. Finance Buddha expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Finance Buddha shall assume 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 site will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the site will meet your expectations.
It is further expressly agreed by you that Finance Buddha(including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) 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 (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.
It is expressly agreed that you shall not assign or otherwise transfer any of your rights and obligation which have been assigned or obtained by you under these terms. You further agree that Finance Buddha 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.
No failure or delay by Finance Buddha in exercising any right, power or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any other right, power or privilege. The rights and remedies herein provided shall be cumulative and not exclusive of any rights or remedies provided by law.
We may modify these Terms, at any time, by posting notice on the Website at least ten (10) days before any modification becomes effective. Usage of the Website following the posting of notice of any modification will be subject the Terms in effect at the time of your usage. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Website in any way, your only recourse is to immediately terminate use of the Website. Other terms and conditions may apply to loans, insurance products or credit cards that you applied for on the Website. You will observe these other terms and conditions.
The invalidity or unenforceability of any provisions of this terms and conditions in any jurisdiction shall not effect the validity, legality or enforceability of the remainder of the terms and conditions in such jurisdiction or the validity, legality or enforceability of this terms and conditions including any such provision, in any other jurisdiction, it being intended that all rights and obligations of the Finance Buddha hereunder shall be enforceable to the fullest extent permitted by law.
These Terms, together with those agreements made a part of these Terms by reference, make up the entire agreement between Finance Buddha and you relating to your use of the Website, and replace any prior understandings or agreements (whether oral or written) regarding your use of the Website.
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 them. 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 Chennai, India. In any such action or any action 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.
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