Terms and Conditions and Agreement between user and Crediqa Fintech Private limited
These Terms and Conditions (the “Agreement” or “Terms and Conditions”) are an agreement between you and Crediqa Fintech Private limited Incorporated under the provisions of Companies Act,2013 having registered office at The Circle, 5th Floor, HUDA City Centre Metro Station, Gurugram, Sector 29, Haryana Pin code 122009, India, ("Crediqa Fintech Private limited") concerning the terms under which Crediqa Fintech Private limited offers you the information, software, products, and services contained in or available through www.financebazaar.com (collectively the “Service” or “www.financebazaar.com ”). www.financebazaar.com is made up of various web pages operated by Crediqa Fintech Private limited. Its services are offered to you conditioned on your acceptance of the terms, conditions, and notices contained in this electronic document. If you do not agree with these terms and conditions, or if you are not age 18 or older, do not use www.financebazaar.com.
“Using” www.financebazaar.com, means doing actions like clicking on links, entering information, creating documents, uploading content, enrolling in an account, or browsing. Your Using www.financebazaar.com constitutes your agreement to all the terms, conditions, and notices contained in this electronic document.
www.financebazaar.com offers general information about the law; but it does not provide any legal advice. Crediqa Fintech Private limited is not a law firm: Neither the employees of Crediqa Fintech Private limited nor the participating professionals (Company secretaries, Chartered Accountants or lawyers) are representing you or acting as your professional advisers. Your Use of www.financebazaar.com does not create a lawyer-client relationship between you and Crediqa Fintech Private limited or any of the employees or professionals you may encounter through it. In any legal matter you undertake through www.financebazaar.com’s legal document service, you are representing yourself.
www.financebazaar.com should not be used as a substitute for the advice of a professional. If any type of relationship is inadvertently formed between you and a Crediqa Fintech Private limited employee or a professional participating, that relationship excludes www.financebazaar.com as a participant.
The information provided by Crediqa Fintech Private limited on this site does not constitute legal advice. It should therefore not be relied upon as legal advice. Because the law changes rapidly, Crediqa Fintech Private limited cannot guarantee that all the information on www.financebazaar.com is current or correct. Not only does the law differ from jurisdiction to jurisdiction, but it also is subject to interpretation by different courts. No general information or legal tool like the ones www.financebazaar.com provides can fit every circumstance. Therefore, if you need legal advice for a specific problem, you should consult a professional in your area.
Crediqa Fintech Private limited is not responsible for any loss, injury, claim, liability, or damage related to your use either of www.financebazaar.com or of any site linked to www.financebazaar.com. Although this is the case for all uses of these sites, we specifically mention here two of the most likely causes: (1) incidents caused by the site being down; and (2) incidents caused by errors or omissions in the content of our site or any other linked sites. In short, your Use of www.financebazaar.com is at your own risk.
Protecting your private information is our priority. This Statement of Privacy applies to the www.financebazaar.com website and governs data collection and usage. By using the www.financebazaar.com website, you consent to the data practices described in this statement.
Collection of your Personal Information
www.financebazaar.com ("FINANCEBAZAAR") may collect personally identifiable information, such as your e-mail address, name, home or work address or telephone number. If you purchase FINANCEBAZAAR products and services, we never collect and store billing and credit card information for processing online payments. FINANCEBAZAAR may also collect anonymous demographic information, which is not unique to you, such as your Postal Code, age, gender, preferences, interests and favorites. Crediqa Fintech Private limited will not delete customer information for paying members. However, Crediqa Fintech Private limited reserves the right to delete customer information for members with a free account status at any time.
Information about your computer hardware and software also may be automatically collected by www.financebazaar.com. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by FINANCEBAZAAR for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the www.financebazaar.com website.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through www.financebazaar.com public message boards, this information may be collected and used by others. Regarding Crediqa Fintech Private Limited’s Support Services, communications between you and a participating Processional (CS, CA or Advocate) are not confidential. For quality assurance purposes, and in order to deliver the Crediqa Fintech Private limited services, Crediqa Fintech Private limited will have access to your communications with participating Processionals.
FINANCEBAZAAR encourages you to review the privacy statements of websites you choose to link to from www.financebazaar.com so that you can understand how those websites collect, use and share your information. FINANCEBAZAAR is not responsible for the privacy statements or other content on websites outside of the www.financebazaar.com and FINANCEBAZAAR family of websites.
Use of your Personal Information
FINANCEBAZAAR collects and uses your personal information to operate the www.financebazaar.com website and deliver the services you have requested. FINANCEBAZAAR will send one welcome email following registration to all registered patrons. We will also periodically send service updates to registered users.
FINANCEBAZAAR may also use your personally identifiable information to inform you of other products or services available from FINANCEBAZAAR and its affiliates. FINANCEBAZAAR may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
FINANCEBAZAAR also use your information for updating annual filing requirements under Companies act 2013, LLP act 2008.
If you are using our support services, will be supplying your personal information to government services and such information may be available in public domain. It is possible that such personal information may be used by some person for marketing and in that case, FINANCEBAZAAR is not responsible. FINANCEBAZAAR does not sell, rent or lease its customer lists to third parties. FINANCEBAZAAR may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party without your explicit consent. In addition, FINANCEBAZAAR may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. FINANCEBAZAAR may share your information with third parties who perform tasks required to complete a purchase transaction. All such third parties are prohibited from using your personal information except to provide these services to www.financebazaar.com, and they are required to maintain the confidentiality of your information.
FINANCEBAZAAR keeps track of the websites and pages our customers visit within www.financebazaar.com, in order to determine what www.financebazaar.com services are the most popular. This data is used to deliver customized content and advertising within www.financebazaar.com to customers whose behavior indicates that they are interested in a particular subject area.
FINANCEBAZAAR websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on www.financebazaar.com or the site; (b) protect and defend the rights or property of FINANCEBAZAAR; and, (c) act under exigent circumstances to protect the personal safety of users of www.financebazaar.com, or the public.
FINANCEBAZAAR uses tracking pixels to collect information that helps us provide our service to you. Please note that any "do not track" signals sent by your web browser or other mechanism have no effect on the collection of personally identifiable information by FINANCEBAZAAR. In addition, other parties who perform data analytics for FINANCEBAZAAR, such as Google Analytics, may collect personally identifiable information about your online activities when you visit www.financebazaar.com or use our services. Third party affiliates of FINANCEBAZAAR may have different policies with respect to "do not track" signals and FINANCEBAZAAR makes no representations with respect to such policies.
The www.financebazaar.com website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize www.financebazaar.com pages, or register with www.financebazaar.com site or services, a cookie helps www.financebazaar.com to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same www.financebazaar.com website, the information you previously provided can be retrieved, so you can easily use the www.financebazaar.com features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the FINANCEBAZAAR services or websites you visit.
Security of your Personal Information
You are responsible for safeguarding and preventing unauthorized access to the user information and password that you use to access the www.financebazaar.com website. You agree not to disclose your password to any third party and you are responsible for any activity using your account, whether or not you authorized that activity. You must immediately notify Crediqa Fintech Private limited of any unauthorized use of your account.
Changes to this Statement
FINANCEBAZAAR will occasionally update this Statement of Privacy to reflect company and customer feedback. FINANCEBAZAAR encourages you to periodically review this Statement to be informed of how FINANCEBAZAAR is protecting your information.
Crediqa Fintech Private limited incorporated welcomes your comments regarding this Statement of Privacy. If you believe that www.financebazaar.com has not adhered to this Statement.
Customers can cancel any order at any point of time and FinanceBazaar shall refund the Service Fee / Statutory fee the Refund Policy. In case the order is cancelled after 10 days of placing the order, no refund claim will be entertained by FinanceBazaar.
REFUND OF POLICY
In case the order is placed for registration services, FinanceBazaar shall refund the amount in case of cancellation of order by client subject to following conditions
If the cancellation done immediately (ie. within 24 hours) after placing the order, 25% of the service fee will be retained by FinanceBazaar and balance amount will be refunded.
If the cancellation happens after starting the initial process of Registration services, such as DIN and Digital signature, 50% of the service fee will be retained by FinanceBazaar and balance amount will be refunded.
If the cancellation happens after significant progress in registration services, only the government fee will be refunded.
In case the order is placed for services other than registration services, FinanceBazaar shall refund the amount in case of cancellation of order by client subject to following conditions
If the cancellation done immediately (ie. within 24 hours) after placing the order, 50% of the service fee will be retained by FinanceBazaar and balance amount will be refunded.
If the cancellation happens after starting the initial, only the government fee will be refunded.