Terms of Use

1. Definition and Interpretations

Updated April 1, 2022

The use of any product, service or feature (the "Materials") available through the internet website accessible at http://www.kreditaid.com (the "Website") by any user of the Website ("You" or "Your" hereafter) shall be governed by the following terms of use:

This website is provided by Unified Credit Solutions Pvt. Ltd. on behalf of ourselves, our group companies, international partnerships and affiliated organizations ("UCS", “we”, “our” or “us”).

Acceptance of Terms

The following terms and conditions ("Terms of Use") govern your access to and use of this website and the related mobile applications provided by us, including any content and services offered on or through this website and/or the applications (referred to collectively as the "Website"). By using the Website or downloading any Material from the Website, you accept and agree to abide by these Terms of Use and our Privacy Policy, found at www.kreditaid.com/Terms of Use. If you do not agree to these Terms of Use or the Privacy Policy, you must not access or use the Website or download any Material from the Website.

Information About You and Your Visits to the Website

By using the Website, you consent to allow us to use your information in compliance with the Privacy Policy. We will not notify you of any modifications or updates to these Terms of Use or the Privacy Policy.

Modification of Website

We may modify or update the content on this Website from time to time, but its content may not be complete or up-to-date at any given time.

Accuracy and Reliance on Website Information

We do not warrant the accuracy or completeness of the information or material provided on this Website and disclaim all liability and responsibility arising from any reliance on such information.

This Website may include content provided by third parties including articles, news, reports, tools to facilitate calculation, company information and data about financial markets, including any regulatory authority and other financial markets and other data from external sources (the "Third Party Content"). You acknowledge and agree that the Third Party Content is not created or endorsed by us. The provision of Third Party Content is for general informational purposes only and does not constitute a recommendation or solicitation to purchase or sell any securities or shares or to make any other type of investment or business/investment decision or advance loans or credits. In addition, the Third Party Content is not intended to provide tax, legal, investment or business advice. You acknowledge that the Third Party Content provided to You is obtained from sources believed to be reliable, but that no guarantees are made by us or the providers of the Third Party Content as to its accuracy, completeness, timeliness. You agree not to hold UCS, any business offering products or services through the Website or any provider of Third Party Content liable for any investment decision or other transaction You may make based on Your reliance on or use of such data, or any liability that may arise due to delays or interruptions in the delivery of the Third Party Content for any reason.

User Contributions

The Website may contain or provide links to message boards, personal web pages or profiles, discussion forums, bulletin boards and other interactive features (including feedback and suggestions) that allow users to post content or materials by way of post, upload, inputs or submit ("User Contributions") on or through the Website. All User Contributions must comply with the Content Standards as set out below in these Terms of Use.

Any User Contribution you post to the Website must be non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our service providers and respective licensees, successors and assigns a royalty-free, unrestricted, worldwide, perpetual, non-exclusive and fully transferable, assignable and sub-licensable right to use, reproduce, modify, display, distribute and otherwise disclose to third parties any such material for cot or otherwise.

You hereby acknowledge and agree that no compensation shall be paid or no future commercial consideration has accrued with respect to the use of Your User Contribution by UCS, as provided herein.

By Posting a contribution You hereby warrant and represent that You own or otherwise control all of the rights required under worldwide law for Your Contribution as described in these Terms of Use including, without limitation, all the rights necessary for You to provide, post, upload, input or submit Your Contribution. You, and not UCS, are responsible for any User Contributions You post on the Website.

Monitoring and Enforcement

We reserve the right to: (a) remove or refuse to post or use any User Contributions for any reason; (b) take any action with respect to any User Contribution that we deem necessary or appropriate, including if we believe that such User Contribution violates the Terms of Use, infringes any intellectual property right or other right of any person or entity or could create liability for UCS; (c) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy; (d) take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website; and (e) terminate or suspend your access to all or part of the Website for any reason, including any violation of these Terms of Use.

However, we do not undertake to review all material before it is posted on the Website and cannot ensure prompt removal of objectionable material after it has been posted.

Content Standards

These content standards (“Content Standards”) apply to any and all User Contributions and use of any interactive services. User Contributions must comply with all applicable laws and regulations and must not: (a) contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable; (b) promote sexually explicit or pornographic material, violence, or discrimination; (c) infringe any patent, trademark, trade secret, copyright or other intellectual property or other rights of any other person; (d) promote any illegal activity; (e) misrepresent your identity or affiliation; (f) involve commercial activities, such as contests, sweepstakes and other sales promotions or advertising; or (g) give the impression that they are posted or endorsed by us or any other person or entity, if this is not the case.

Your Ability to Download Content from the Website

You may download content for non-commercial, personal use only, provided that copyright, trademark or other proprietary notices remain unchanged and visible. No right, title or interest in any downloaded materials is transferred to you as a result of any such downloading or copying. We grant You a non-exclusive, non-transferable, limited right to access, use and display this Website and the Materials hereon. You agree not to interrupt or attempt to interrupt the operation of the Website in any manner. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this Website.

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. We have no control over the contents of those sites or resources and we are not responsible for them or for any loss or damage that may arise from your use of them and provision of such links in no manner be construed to imply endorsement of UCS in any manner of the such links. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. We are not responsible for webcasting or any other form of transmission received from any linked site.

Disclaimer of Warranties

YOUR USE OF THIS WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THIS WEBSITE IS AT YOUR OWN RISK. THIS WEBSITE, ITS CONTENT AND ANY SERVICES OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER UCS NOR ANY PERSON ASSOCIATED WITH UCS MAKES ANY WARRANTY OR REPRESENTATION THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THESE DISCLAIMERS DO NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL UCS OR ANY PERSONS ASSOCIATED WITH UCS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY MATERIAL ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL OR LOSS OF DATA, EVEN IF UCS IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to defend, indemnify and hold harmless UCS and its affiliates, and its and their respective officers, directors, employees, contractors, agents, licensors, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees and other legal costs) arising out of or in connection with your violation of these Terms of Use or your use of any information obtained from the Website.

Disclaimer

THIS WEBSITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL AND CLERICAL ERRORS. WE EXPRESSLY DISCLAIMS ANY OBLIGATION(S) TO UPDATE THIS WEBSITE OR ANY OF THE MATERIALS ON THIS WEBSITE. WE DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THIS WEBSITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM OR INFORMATION SHALL BE AT YOUR SOLE RISK. WE RESERVE THE RIGHT, IN OUR SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE WEBSITE. WE MAY MAKE ANY OTHER CHANGES TO THIS WEBSITE, ITS MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE WEBSITE AT ANY TIME WITHOUT NOTICE. THIS WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TECHNICAL ADVICE OF ANY MANNER.

Unlawful and/or Prohibited Use of the Website

As a condition of Your use of the Website, You shall not use the Website for any purpose(s) that is unlawful or prohibited by the Terms of Use. You shall not use the Website in any manner that could damage, disable, overburden, or impair any of our server, or the network(s) connected to any our server, or interfere with any other party's use and enjoyment of any services associated with the Website. You shall not attempt to gain unauthorized access to any section of the Website, other accounts, computer systems or networks connected to any our server or to any of the services associated with the Website, through hacking, password mining or any other means. You shall not obtain or attempt to obtain any Materials or information through any means not intentionally made available through the Website.

Waiver and Severability

No waiver by UCS of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of UCS to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent possible such that the remaining provisions of the Terms of Use will continue in full force and effect.

Trademarks

This Website features logos, brand identities and other trademarks and service marks (collectively, the "Marks") that are the property of or are licensed to UCS or the third-party. You must not use the Marks without the prior written permission of UCS. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.

Copyright Notice

Unless otherwise noted, the graphic images, buttons and text contained in this Website are the exclusive property of UCS.

Jurisdiction

Any dispute or claim relating to the Website and these Terms of Use shall be governed by the laws of India without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the courts of New Delhi. You waive any and all objections to the exercise of jurisdiction over You by such courts asnd to venue in such courts.

Entire Agreement

Any dispute or claim relating to the Website and these Terms of Use shall be governed by the laws of India without giving effect to any choice or conflict of law provision or rule.

The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and UCS with respect to the Website and supersede all prior understandings, agreements, representations and warranties, both written and oral. Any claim You may have with respect to Your use of the Web Site must be commenced within one (1) year of the cause of action.