Welcome to www.qwikcredit.com website (the "Site") operated by Qwikcredit Consultants Private Limited hereafter to be referred as “Company”. Qwikcredit Consultants Private Limited provides its services to you subject to the following conditions. Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use and the linked Privacy Policy. We strongly recommend that, as you read this Terms of Usage hereafter to be referred as “ToU”, you are also requested to access and read the linked information, since it is incorporated into and hereby made part of this ToU. This ToU is effective upon acceptance by the user visiting the website. Use of any functionality of the Site constitutes acceptance of this ToU. If this ToU conflicts with any other document, the ToU will control for the purposes of usage of the Site. If you do not agree to be bound by this ToU and the Privacy Policy, you may not use the Site in any way. Be sure to return to this page periodically to review the most current version of the ToU. We reserve the right at any time, at our sole discretion, to change or otherwise modify the TOS without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified ToU.
This document is an electronic record in terms of existing and applicable Information Technology laws and the amended provisions thereto pertaining to electronic records in various allied statutes as amended pursuant to the Information Technology laws. This electronic record has been generated by a computer system and does not require any authentication.
1. Description of Services
By the use of this site, Qwikcredit Consultants Private Limited provides users with access to information, primarily focused on financial assistance and related Utility Services including but not restricted to Loans specifically Home Loans, Loan against property, Overdraft Facilities, Auto Loan, Personal Loan, Business Loan, General Insurance, Life Insurance, Credit Cards, and sales and distribution of any other financial products being offered by various banks and financial institutions (the "Service"). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this site, 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 representative of Qwikcredit Consultants Private Limited may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfil your requirements. You also agree that Qwikcredit Consultants Private Limited reserves the right to make your details available to its partners not restricted to banks and financial institutions and you may be contacted by such partners for information and for sales through email, telephone and/or SMS. You agree to receive promotional materials and/or special offers from Qwikcredit Consultants Private Limited through E-mail, SMS or WhatsApp.
2. License and Site Access
Qwikcredit Consultants Private Limited grants you a limited license to access and make personal use of the Site and the Service. 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; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Qwikcredit Consultants Private Limited’s sole discretion) an unreasonable or disproportionately large load on Qwikcredit Consultants Private Limited’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Qwikcredit Consultants Private Limited’s to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Qwikcredit Consultants Private Limited. By using the site you agree not to:
a. Use this Site or its contents for any commercial purpose;
b. Make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;
c. Access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
d. Violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site;
e. Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
f. Deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or
g. "Frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.
3. Eligibility
The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Qwikcredit Consultants Private Limited for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.
4. Terms of Use
By using the Website, the User agrees to follow and be bound by the terms and conditions concerning your use of the Website. The Company may revise the Terms of Use at any time without notice to the User. Areas of this Site may have different terms of use posted. If there is a conflict between the Terms of Use and terms of use posted for a specific area of the Site, the latter shall have precedence with respect to the use of that area of the Website.
The Company reserves its right to terminate/suspend a User’s access at any time if the activities with respect to the same are found to be in non-compliance of the Terms of Use (or terms of use of a specific area of this Website), privacy policy or the applicable laws. The provisions regarding a disclaimer of warranty, accuracy of information and indemnification shall survive such termination. The Company may monitor the User’s access to the Website, in accordance with the applicable laws and the Company’s Privacy Policy and Terms and Conditions of the Website.
All Materials present on this site are the exclusive property of the Company. The software, materials, text, images, graphics, video and audio used on this Site belongs to the Company. No Material from this Site may be copied, modified, reproduced, republished, uploaded, transmitted, adopted, posted or distributed in any form whatsoever without prior written permission from the Company. All rights not expressly granted herein are reserved. Unauthorized use of the Materials appearing on this site may violate copyright, trademark and other applicable laws, and may result in appropriate criminal and/or civil actions.
The Company does not make any warranties, express or implied, including without limitation, those of merchantability and fitness for a particular purpose, with respect to any information, data, statements, Material or services / products made available on the Site.
In no event will the Company be liable for damages of any kind, including without limitation, direct, incidental or consequential damages (including, but not limited to, damages for lost profits, business interruption and loss of programs or information) arising out of the use of or inability to use the Site, or any information provided on the Website, or for any claim attributable to errors, omissions or other inaccuracies in the products or services or interpretations thereof.
The Client hereby agrees and undertakes to indemnify and keep indemnified the Company and its affiliates, officers, directors, employees, agents and advisors and any other person appointed by the Company (“Indemnified Party”) against any and all actual losses, expenses, liabilities, obligations, damages, actions, proceedings, claims, demands and judgements (including but not limited to legal and other fees on a full indemnity basis) asserted against or incurred by the Indemnified Party, in connection with or related thereto the use of the Material and services provided on the Website. The Information contained in this Site has been obtained from sources believed, to the best of the Company’s knowledge, to be reliable. The Company disclaims all warranties as to the accuracy, completeness or adequacy of such information.
You agree and authorize the Company to share your information with its group companies and other third parties, in so far as required for the lawful purposes connected with the functioning of the Company or activity of the Company or any person on its behalf and considered necessary, thereof, for such purposes, including to provide you with various value-added services, in association with the services selected by you or otherwise.
You agree to receive communications through emails, telephone and/or SMS, from the Company or its third-party vendors/business partners/ marketing affiliates regarding the Services/ancillary services updates, information/promotional emails and/or product announcements, at the email ID and mobile number provided by you to the Company.
The Company shall not be responsible in any manner for the authenticity or accuracy of the information supplied by the provider of information to the Company or such other person acting on behalf of the Company. However, the Company shall take requisite steps as it may deem necessary and reasonable for ensuring and verifying the accuracy and completeness of such Client Information before using the same in relation to the Client.
The User consents that the Company may transfer information to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by the body corporate, in accordance with the Information Technology Act, 2000 and its Rules and Regulations. The Company will retain and use your information as necessary or recommended to comply with its legal obligations, resolve disputes and enforce the agreements entered into for providing services.
The User agrees that no information whatsoever, on the Website shall be deemed to be financial or other advice or recommendation to purchase any product or service offered by the Company. The Company strongly advises the User to seek independent professional advise before purchasing any product or services offered by Websites in general.
The Company constantly endeavors to ensure that the Material displayed on the Website are accurate. However, the User agrees that the Company shall not be held responsible in any manner whatsoever if the data, material and information on the Websites are found to be inaccurate or if there are any errors or omissions in the Material. It is further clarified that the Company does not monitor, verify or endorse the Material displayed on the Website, which may be submitted by third parties, and as such the User agrees and understands that such Material may be inaccurate.
The User agrees and understands that the Company is not liable in any manner whatsoever, in relation to any information or quotation presented to the User through the Website by third parties and service providers. Further, the user agrees and understands that the products and services as shown on the Website are offered and provided by third parties and not the Company itself, and that the Company as such has no control over them. In light of the same, the Company shall not be held liable in any manner whatsoever due to any loss or damages that the User may incur while purchasing such products or availing such services.
The Company strongly advises the User to satisfy himself / herself before purchasing any product or availing any services offered on the Website.
The User agrees and understands that the Company in no manner whatsoever shall be held responsible for any losses or damages arising from an inability to access the Website, from any use of the Website or from reliance on the data transmitted through the Website where such losses or damages are caused by any event beyond the control of the Company, including but not limited to, as a result of the nature of electronic transmission of data over the internet.
The User agrees to warrant that he / she has taken all possible measures to ensure that the data / information so entered into the Website is true and accurate.
The User agrees and understands that his / her telephonic conversation(s) with the support desk of the company (through the numbers mentioned on the Website) may be monitored or recorded. This will help the Company to train its staff and improve its services to the User. The User further agrees and understands that the customer service help line shall be available only on the times notified in the contact us section of the Website, and that he / she will be charged by the concerned network provider for any calls made by him / her.
The User understands that the products displayed on the Website are examples of products currently available and does not constitute advise or a recommendation to purchase a particular credit card or loan product. The Company receive fees from certain lenders/credit card issuers or agents/distributors/brokers who advertise on or are linked to the Website. The Company retains the fees and does not charge the User for the services offered via the Website. The Company advises the User to be aware that it is very important that before he / she applies for a loan or a credit card product, he / she carefully reads the terms on the application form which will include details of the interest rates applicable and any early prepayment charges and other charges if relevant.
You while applying for product/services on our website authorize us, our affiliates & our associate partners to give you a call/sms/e-mail for the related product and services, imparting product knowledge, offer promotional offers & offers offered by the associated third parties even if you have registered yourself under DND or DNC or NCPR services. By applying on our website, you allow us and our partners to connect with you on weekends as well; with respect to process your details / application / request. We can continue to share promotional communication even post the mentioned duration unless voluntarily opted-out. Please send an email to admin@qwikcredit.com to opt-out from our services.
5. Submitted Content
Company does not claim ownership of any material being provided for inclusion on the website but by agreeing to the ToU, you grant the company a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content).
You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section. We take no responsibility and assume no liability for any submitted content posted or submitted by you to be included on the site.
We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site:
a. any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law;
b. any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and
c. 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 Site.
If you wish to revoke or deny the consent already shared for use of specific data, restrict disclosure to third parties, data retention; OR in case if you wish to modify/delete the details shared on our form then kindly send us an email on admin@qwikcredit.com
6. Third Party Links/Offers
That the site may provide links to other websites or resources. Since the Company has no control over such third-party websites and resources, user acknowledges and agrees that Company is not responsible for the availability of such external sites or resources, does not endorse, and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources.
You further acknowledge and agree that the Company 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 site or resource.
Your interaction with any third party link or website accessed through the Website is entirely at your own risk, and Company 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.
Further, it is reiterated that the advertisements displayed on the Website are delivered by third parties and are beyond the reasonable control of the Company. The User agrees and understands that his / her details may be shared with the advertiser that he / she chooses on the website, and the Company shall not be held responsible in any manner whatsoever for any loss or damage whatsoever, that he / she incurs as a result of any conduct of such third-party advertisers. The Company strongly advises the User to conduct proper background checks before engaging the services as advertised on the Website, and should refrain from doing so in the event of any doubt. For the removal of doubts, the Company disclaims any liability without exception, arising out of the transaction between the User and any advertiser, which may have taken place as a result of the advisement displayed on the Website.
7. Safeguarding User Information
The Company has in place, reasonable measures to protect and safeguard the information provided by the User on its interface in accordance with the Information Technology Act, 2000 and its allied Rules and Regulations. However, the User indemnifies the Company from any kind of liability in case of any loss of data / information belonging to the User, resulting from an event, which could not have been prevented by the exercise of prudence on the part of the Company.
8. Laws and Local Jurisdiction
This Agreement, the construction and enforcement of its terms, and the interpretation of the rights and duties of the parties hereto shall be governed by the existing laws of India. In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:
Name: Mona Tomar
Email address: admin@qwikcredit.com
The Company reserves the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with the Company’s defence of such claim.
9. Amendment in Terms of Use
Please note that these Terms of Use may change from time to time. The Company will not reduce your rights under this Policy without your explicit consent. Regardless, the Company will post any Policy changes on this page and, if the changes are significant, the Company will provide a more prominent notice. Each version of this Policy will be identified at the top of the page by its effective date. All Contents and Material are intellectual and proprietary rights of the Company its affiliated companies, holding companies and subsidiary companies and other third parties. All rights reserved without prior written approval from the Company, and no portion of the Terms of use may be copied/ reproduced or adopted in any form, or by any means.
10. General
If any of the above-mentioned conditions are deemed void, invalid or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the party’s intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.
Headings are for reference purposes only and do not limit the scope or extent of such section. This ToU and the relationship between you and the company will be governed by the laws of the India without regard to its conflict of law provisions. You and the company agree to submit to the personal jurisdiction of the courts located in Ghaziabad jurisdiction with respect to any legal proceedings that may arise in connection with this ToU. The failure of the company to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches.
The site Terms constitute the entire agreement and understanding between you and the Company, except that the Company may later modify the Website Terms. The Website Terms supersedes all prior agreements and understandings, oral or written, relating to the subject matter contained herein.
The Company does not guarantee it will take action against all breaches of this ToU, except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between you and the company and governs your use of the Site, superseding any prior agreements between you and the company with respect to the Site.
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