All persons (the "Users" or individually a "User" or "You" or "Your") visiting the website www.homecredit.co.in (the "Operator") are required to read through and acquaint themselves with this document prior to proceeding to use the Website. Access to and use of the Website by a User is deemed to represent the User's consent to the terms and conditions of using the Website and any amendments thereto (Such terms and conditions hereinafter referred as "Operator"). In case a User disagrees with these terms & conditions (as may be amended from time to time), he/she shall leave the Site and refrain from visiting it in the future.
The Website is owned and operated by Home Credit India Finance Private Limited, having its registered office at 3rd Floor, Tower C, DLF Infinity Towers, DLF Cyber City Phase II, Gurgaon, Haryana, (the "Operator", "We", "Us" ), which is authorised to exercise the ownership and intellectual property rights to the Website.
— Use of Information and Materials
The Content (material, information, data, news items, etc.) contained on this Website is provided for general information only and should not be used as a basis for making business/commercial decisions. User is advised to exercise due caution and/or seek independent advice before entering into any arrangement or financial obligation based on the Content contained on this Website.
The Content contained in this Website, including text, graphics, links or other terms are provided on an "as is", "as available" basis and are protected by copyright in favour of Operator. User should not distribute text or graphics to others without the express written consent of the Operator. User should not copy, download, publish, distribute or reproduce any of the Content contained on this Website in any form without prior permission of the Operator. Use of the products or services described at this Website may not be permitted in some countries and if in doubt, User should check either with the local regulator or authority or with the Operator before requesting further information on such products/ services. Products and services are available only at the discretion of Operator, subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.
— Links to Other Sites
— Creation of User Account for availing Services
To obtain the Loan(s) or to avail other services from us from time to time, the User has to create an account ("User Account") with us by registering himself/ herself. You are solely responsible for maintaining the secrecy of your user id and password for the User Account and shall be responsible for all activities that occur in connection with your User Account. In case of any unauthorized use of your User Account the same shall be intimated to us. You shall not create multiple User Accounts and shall not use your User Account for any purpose that is unlawful, illegal or forbidden by law. As a consideration for availing Loan/ Service through Website, you may be required to pay certain fee, charges, interest or cost as may be applicable as mentioned in our Website or as per the terms for respective products and services as prescribed by us.
For the purpose of creating the User Account through the Website:
- You shall be an Indian citizen resident in India and minimum 19 years of age;
- You shall not be a person either barred or otherwise legally prohibited from taking Loan or availing services offered by us;
- You should have valid identity proof and residential address proof as described by Reserve Bank of India and as may prescribed by us for Know Your Customer requirements;
- You shall not impersonate any person or entity or falsely state or otherwise misrepresent age, identity or affiliation with any person or entity.
- You have valid email address and valid mobile number where you want to receive OTP and other communications from HCIN.
- You have an updated UIDAI (Aadhaar) number and other valid address proof of your address with your name on it (i. e. either of Passport, Voter ID card, Driving License, 2 months' Gas/ Electricity/ Mobile/ Water bills, Bank statement, UIDAI Card/ Letter) in case residential address is not the same as mentioned in UIDAI (Aadhaar)
- You have a bank account in India (bank name, IFSC, branch and account number) having enabled internet banking facility for the purpose of transfer/ receipt of funds.
- You should be either salaried employee or self-employed or pensioner.
- Your desktop/ mobile device should have:
- Supported Resolutions: 1366 x 768+. Best viewed on 1366 x 768.
- A working internet connection having HTML supported Web Browsers: Chrome 55+, Firefox 49+, Edge 38+ or Mobile Browsers: Latest version of Chrome, Firefox, Safari Browser.
- Latest version of Adobe Reader: https://get.adobe.com/reader/
- A web camera.
While creating the User Account you will be asked to provide certain information which may include your personal details (like name, address, date of birth, father's name, mother's name, your photograph etc.), contact details (like your residential address, email address, telephone/ mobile number etc.), business, credit and financial information, log information like your search queries, IP address, crashes, date and time, actual location, browser web storage, application data caches, Cookies and similar technologies (collectively and individually referred as, "Customer Data"). We request you to provide complete and accurate information to bolster your credibility. You confirm and warrant that the details submitted are true and correct and we can rely on it for providing the Loan and/or services sought by you through the Website.
By creating User Account, you agree to receive communications in connection with the Website and from affiliate sites. By providing your e-mail address and/ or telephone/ mobile number, You also authorize us, our associates, partners to contact you via email or phone call or sms and offer you their services, products, imparting product knowledge, offer promotional offers, as well as web aggregation. Irrespective of the fact that you have registered yourself under Do Not Disturb (DND) or Do Not Call or NCPR service, you still authorize us to give you a call from us, our associates and our partners for the above-mentioned purposes.
Apart from accepting this Policy on Website Use for availing the loan or any services from us, you shall be additionally required to agree 'General Terms and conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited' as registered with Sub-Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.23050 dated 18.12.2015 (hereinafter referred as "GTC") for terms and conditions applicable to the loan, a copy of which is also available on website (https://homecredit.co.in/corporate-governance). Further, it is made clear that accepting these terms or creation of User Account will not bind us in granting you any loan or services, the same shall be further governed by the specific terms in addition to this Policy.
— Prohibited Conduct
By using our Website you agree that you shall not (a) use our Website for spamming or any other illegal purposes;(b) infringe ours or any third party's intellectual property rights, rights of publicity or privacy; (c) post or transmit any message which is libellous, defamatory or which discloses private or personal matters concerning any person; (d) post or transmit any message, data, image or program which violates any law; (e) refuse to cooperate in an investigation or provide confirmation of your identity or any other information you provide to us; (f) remove, circumvent, disable, damage or otherwise interfere with security related features of our Website or features that enforce limitations on the use of Website; (g) upload any content that constitutes negligent advice or contains any negligent statement, an incitement to commit a crime or contains instructions for the commission of a crime or the promotion of criminal activity; or any content which is in contempt of any court, or in breach of any court order; or discriminates on the basis of age, sex, religion, race, gender; harassing, invasive of another's privacy, blasphemous; in breach of any contractual obligations or depicts violence or is pornographic, paedophilic, obscene, suggestive or sexually explicit; or consists of or contains any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage; or constitutes spam; or is grossly harmful, offensive, deceptive, fraudulent, threatening, abusive, hateful, harassing, anti-social, menacing, hateful, discriminatory or inflammatory; or causes annoyance, inconvenience or needless anxiety to any person; or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or harm minors in any way or otherwise unlawful in any manner whatever; (h) upload any content that threatens the unity, integrity, defence, security or sovereignty of any country, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any nation; (j) upload any content that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; (k) reverse engineer, decompile, disassemble or otherwise attempt to discover our source code for the Site or any part thereof or infringe any patent, trademark, copyright or other proprietary rights; (l) use our Site in any manner that could damage, disable, overburden, or impair, including, without limitation, using Site in an automated manner; (m) modify, adapt, translate or create derivative works based upon Site or any part thereof; (n) intentionally interfere with or damage operation of Site or any other user's use of Website, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features; (o) use any robot, spider, other automatic device, or manual process to monitor or copy Site without our prior written permission; (p) interfere or disrupt Site or networks connected therewith; (q) take any action that imposes an unreasonably or disproportionately large load on Site; (r) use any device, software or routine to bypass Site robot exclusion headers, or interfere or attempt to interfere, with the Site; (s) forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the Site or to manipulate your presence on Site; (t) use the facilities and capabilities of Site to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others; (u) breach these Terms or any other policies which we have; (u) provide false, inaccurate or misleading information to Site; and (w) use Site to collect or obtain personal information, including without limitation, personal information about other users of our Site.
— Obligations of Users
When using the Website the Users must not interfere with the Website's security, integrity and operation in general, must not use the Website for the transfer of damaging files or attempt to enter non-public sections of the Website or access restricted information featured on the Website where the Users do not meet the criteria for accessing this information. The User is further required to observe the Operator's copyrights of this Website and, furthermore, to observe the third parties' rights to material and text posted by the Operator on the Website (including, but not limited to, trademarks, logos etc.) but owned by third parties and which is under the protection of appropriate laws on the protection of intellectual property rights. Further, while submitting any details to the Website for the purpose of availing any services, the Users shall ensure and confirm that the same is true and correct.
You do not have the right to use any of our trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You shall not copy and use the software, text, images, graphics, video and audio used on this Site ("Content"). You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the services. You will not copy or transmit any of the services. We neither represent nor warrant that your use of materials displayed at the Site will not infringe rights of third parties.
— Breach of the Terms
Without prejudice to our rights under this Policy, if you breach these terms & conditions and in any way, or if we suspect that you have breached these terms & conditions of Website use in any way, we may (i) send you one or more formal warnings; (ii) temporarily suspend your access to Website; (iii) permanently prohibit you from accessing Website; (iv) block computers using your IP address from accessing Website; (v) contact any or all of your internet service providers and request that they block your access to Website; (vi) commence legal action against you, whether for breach of contract or recovery of amounts due or damages or otherwise; and/or (vii) suspend or delete your account on Website.
The User herein agree to indemnify and hold us harmless from and against any and all claims, action, liability, cost, loss, damage, endured by us by your access to the Website.
The User is fully liable for any risk for his use of this Site and the Operator does not assume any responsibility or liability for such risk. The contents provided on this Site is intended only for general information and does not represent any form of advice or recommendation.
This Website may contain advice/ opinions and statements of various professionals/ experts/ analysts, etc. Operator does not represent/ endorse the accuracy, reliability of any of the opinions/ statements/ information by such person. Reliance on these statements shall be at the risk of the user of this Website. Specifically, the Contents of this Website is not intended to be relied upon by Users in making any specific decisions (including investment decisions).
The Operator does not guarantee the accuracy, correctness, completeness, timeliness or availability of this Website's contents and/or services and does not accept any responsibility (e.g. towards the Users of the Website) in this respect. It is the responsibility of the User of this Website to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided on this Website.
No information sent to any client through this Website or available on this Website shall constitute any representation or warranty by the Operator, or its subsidiaries or affiliates regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity. To the maximum extent permissible by applicable laws the Operator shall not be liable for any direct, indirect, incidental or consequential damages, including, without limitation, damages for loss of profits, goodwill, loss of data or other intangible losses arising in connection with the use of the Website.
You understand that application of loan through online means is depended on technical factors which inter alia includes your connectively to internet, your ability to make payment through online means which in-turn is depended on payment services from your bank or similar service providers, capability of the computer or phone which you use for the purpose, you careful approach in reading the terms, understanding the same and following the process. By accepting this terms or using this Website or by expressing intent or by making application for availing any loan or services, you confirm that you have understood the intricacies, the related risks and the process, you also confirm the aspects mentioned aforesaid are beyond control of the Operator. Hence, any of your acts will be at your choice and discretion and therefor you disclaim us from claim or damages suffered by you or for loss of profit.
— Limitation of Liability
Home Credit India Finance Private Limited, its subsidiary companies, its affiliates, and their directors and employees (Entities) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from use of this Website by any User or any linked site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Website, its Contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services even if the Entities are advised of the possibility of such damages, losses or expenses.
— Dispute resolution and governing law
The use of this Website and the Policy on Website Use shall be governed by Indian law. The Policy on Website Use and your activity under this Policy are an 'electronic record' in accordance with the (Indian) Information Technology Act, 2000.
Any dispute arising in connection with the use of Website shall be settled before courts of Delhi (India) and in accordance with Indian law. Should any provision of this Policy be held invalid or unenforceable for any reason, the invalid or unenforceable provision shall be severable from the remaining provisions and shall not affect the validity or enforceability thereof.
— Changes to Website or Policy
The Operator reserves the right to modify the appearance, contents, organization, location and accessibility of the Website and/ or the Policy at any time without prior notice. The publication of any data or information on the Website, with the exception of this Policy on Website Use, will not be considered as an act in law, unless expressly stated otherwise.
The User is expected to keep himself/ herself updated of any changes made in this Website and the information available on it on a regular basis and Operator undertakes no responsibility about advising the User about any such changes. Though Operator will endeavour to ensure that information contained on this Site is obtained from sources which, it feels, are reliable, Operator does not warrant such information's completeness or accuracy. Use of the Website after the republication of amended Policy is deemed to represent the User's consent with the amended Policy on Website Use.