TERMS AND CONDITIONS

Welcome to www.switchmyloan.in (“Website”). If You enter and continue to browse this Website, You are agreeing and bound to comply with privacy policy, terms and condition (Collectively referred to as “Terms of Use”) mentioned on this Website If You disagree with any part of the Terms of Use, please refrain from using Our Website.

1. Please read the Terms of Use carefully before using or registering on the Website or accessing any material, information or services, through the Website. If You do not agree with the terms and conditions, please refrain from using Our Website. 

2. For the purpose of these Terms of Use, wherever the context so requires "You", “Your” or "User" shall mean any natural or legal person and includes, but is not limited to buyers, person or legal person who uses the Website with the intent to avail any services and/or visits the Website for any general purpose. The term "Switchmyloan”, "We", "Us", "Our" “Company” shall mean Switchmyloan and its affiliates.

3. We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. You shall ensure to review these Terms of Use periodically for updates/changes. Your continued use of the Platform following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Platform. By impliedly or expressly accepting these Terms of Use, You also accept and agree to be bound by Terms of Use.

4. By using this Website, You agree to be legally bound by the terms of Terms of Use, which shall take effect immediately on Your first use of the site. If You do not Agree to be legally bound by the Terms of Use, please not access and/or use the Website. By using the Website as a registered User or otherwise, You are deemed to have accepted the Terms of Use.  

1. Disclaimer

1. You acknowledge and undertake that You are availing the services provided on the Website at Your own risk and are using Your best and prudent judgment before entering into any transactions with the Company.

2. All the information shared on this Website is on an “as is” and “as available” basis. The information available on this Website is subject to change, at any time, without giving any notice to You. Switchmyloan, its directors/ partners, authorized representatives, and employees make no warranties or representations regarding the quality, completeness, suitability, accuracy and timeliness of the information published on this Website.

3. In no event, Switchmyloan, its directors, partners, authorized representatives, and employees shall be held liable for any damage or loss arising out of use of this Website or with respect to any materials contained in this site.

4. All the materials and services, included on or otherwise made available to You through Website are provided on "as is" and "as available" basis without any representation or warranties, express or implied except otherwise specified in writing. Without prejudice to the forgoing paragraph, Switchmyloan does not warrant that: Website will be constantly available, or available at all or the information on Website is complete or accurate.

5. The Company will not be liable to You in any way or in relation to the contents of, or use of, or otherwise in connection with, the Website. The Company does not warrant that this Website; information, content, materials, product (including software) or services included on or otherwise made available to You through the Website; their servers; or electronic communication sent from the Company are free of viruses or other harmful components.

2. User Obligation

1. If You use the Website, You shall be responsible for maintaining the confidentiality of Your Display Name and You shall be responsible for all activities that occur under Your Display Name. You agree that if You provide any information that is untrue, inaccurate, not current or incomplete, We shall have the right to indefinitely suspend or terminate or block Your access on the Website. You agree to immediately notify the Company of:

1. any unauthorized use / breach of account and
2. ensure that You exit from Your account at the end of each session.

2. You hereby acknowledge and accept that all the information provided by You on the Website belongs to You and have not display, upload, modify, publish, update or share any information which does not belong to You or You are not authorized to.

3. You shall not try to gain unauthorized access or exceeds the scope of authorized access to the Website or to profiles or other areas of the Website or personal identifying information for commercial or unlawful purposes from other Users;

4. You shall not probe, scan or test the vulnerability of the Website or any network connected to Website nor breach the security or authentication measures on Website, or any network connected to Website. You may not reverse look-up, reverse engineer, trace or seek to trace any information on any other User of or visitor to Website, or any other customer of Website, including any account not owned by You, to its source, or exploit the Website or any service or information made available or offered by or through Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Website.  

5. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website, or with any other person’s use of the Website.

6. You shall not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal You send to the Website. You shall not pretend that You are, or that You represent, someone else, or impersonate any other individual or entity.

7. You shall not use the Website or any content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of the Company or others.

3. User Registration

1. On Registering up on Our Website, You are required to provide Us with certain basic information inter-alia including but not limited to Your first name, last name, gender, e-mail id, contact number, country, time zone, state, city and birth date. Once the registration is completed, the said e-mail id can be used to access Your account every time You visit Our Website.  

2. Use of the Website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website. If You are a minor i.e. under the age of 18 years, You shall not Register and use the Website. As a minor if You wish to use or avail services offered on the Website, such use or transaction may be made by Your legal guardian or parents who have registered as Users of the Website. The Company reserves the right to terminate Your membership and refuse to provide You with access to the Website and its services if it is brought to the notice of the Company or if it is discovered that You are under the age of 18 years.

3. If any information provided by You that is untrue, inaccurate, not current or incomplete or the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the Terms of Use, the Company has the right to indefinitely suspend or terminate or block access of Your membership with the Company and refuse to provide You with access to the Website.

4. Proprietary Rights

Unless otherwise stated, copyright and all intellectual property rights in all material presented on the Website including but not limited to all text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively referred to as “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Website is owned, controlled or licensed by or to Website, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. Except as expressly provided in these Terms of Use, no part of the Website and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way, including “mirroring”, to any other computer, server, Website or other medium for publication or distribution or for any commercial enterprise, without Our express prior written consent. Any infringement shall be vigorously defended and pursued to the fullest extent permitted by Law.

5. Third Party Website

This Website may contain links to other websites which are controlled or offered by third parties (including affiliates of Switchmyloan). We hereby disclaim liability for, any information, materials, products or services posted or offered at any of the third-party websites linked to this Website. By creating a link to a third-party website, the Company does not endorse or recommend any products or services offered or information contained at that website, nor is the Company liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of the Company and the third-party website may provide less security than Our Website.

6. Indemnity

You shall indemnify and hold the Company, its owner, licensee, affiliates, subsidiaries, and their respective officers, directors, partners, agents, and employees harmless, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, Privacy Policy and other Policies.

7. Minors

We don't knowingly collect, maintain or sell services to people under age 18 or use personal information from Our Website about children under age 18. Children should seek the consent of their parents before providing any information about themselves or their parents and other family members online.

8. Jurisdiction

The Terms of Use 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 courts, tribunals, fora, applicable authorities at Mumbai. The place of jurisdiction shall be exclusively in Mumbai.

9. Complaints

In the event any there are Complaints or grievances with respect to quality of services provided by the Company, the same shall be addressed in writing to Our designated grievance officer, the details of whom, is mentioned hereinbelow:

Name: Krishna Iyer

Email ID: Krishna@switchmyloan.in

Contact Info: __________

We hold exclusive right to decline and refuse to provide services to You without providing any reason and explanations for such rejection.