Terms and Conditions

PLEASE READ THE TERMS AND CONDITIONS BEFORE APPLYING!

THESE TERMS FORM A LEGAL AGREEMENT WILL BE BETWEEN INSTA CREDIT CASH FINANCE LIMITED, AND YOU. BY CLICKING ON “I AGREE” OR “I ACCEPT” OR BY DOWNLOADING, INSTALLING, OR OTHERWISE USING THE SERVICES, YOU SHOW THAT YOU ARE ACCEPTING AND AGREEING TO THE TERMS CONTAINED HEREIN. SO, IF YOU DO NOT AGREE TO THESE TERMS, DO NOT CLICK “I ACCEPT” OR “I AGREE” OR DOWNLOAD, INSTALL OR USE THE SERVICES.

DEFINITIONS:

“Application, or App”, shall mean the mobile software developed and designed by the Company to provide Instant Loan services to end users.

“LENDER” shall mean a Non-Banking Financial Company or a bank with whom the Company has entered into an agreement for loan sanctioning, which shall sanction, process and provide the loan to the Customer(s), through the Platform. “Company” or “we” shall mean INSTA CREDIT CASH FINANCE LIMITED, a company incorporated under the Companies Act, 2013 having its registered office at 1689/121, Shanti Nagar, Tri Nagar, New Delhi, North West Delhi, Delhi, 110035

“Customer” or “You” or “End-User”, is any person who uses, views, accesses or downloads the Platform and the Services.

“Loan” shall mean the Loan for which you may apply through the Platform and which is sanctioned and granted by the LENDER, subject to applicable terms and conditions of the loan agreement. “Loan Agreement” shall mean the loan agreement to be executed between the Lender and the customer(s), which may be applicable from time to time in physical or electronic form for providing the loan.

“Online Store” shall mean the Windows Store, Android Google Play, iOS App Store, or any other online store or portal where the App is made available by the Company for the End-Users, from time to time.

“Online Store” shall mean the Android Google Play, Windows Store, iOS App Store, or any other online store or portal where the App shall be made available by the Company from time to time to End-Users.

“Outstanding Amount” shall mean the Loan, interest and fees that you pay to the Lender on the relevant Due Date(s).

“Platform” shall collectively mean the App and the Website.

“Services” shall mean the services of granting, sanctioning and lending of short-term loans by the LENDER through the Platform.

“Third Party Platforms” shall mean the social networking platforms, such as LinkedIn, Facebook and other similar platforms.

“User Data” shall mean any data, information, document or material submitted to the Company prior to or during the use of the Services.

“Website” shall mean www.instacreditcash.com, managed and operated by the Company for the provision of Services.

SERVICES:

Through the Services, you can apply for a loan subject to meeting the eligibility criteria set out in the mobile app. By using our service, you understand that the Company has been appointed by the LENDER to collect, validate, track your location, confirm and verify the User Data, documents and any other details required by the LENDER to sanction the loan. The LENDER authorizes the Company to collect and store User Data through the mobile application form available on the Platform (“Mobile Application Form”).

In order to avail of the Services, You shall be required to register with the Company by logging in through Your Third Party Platform (“User Account”). During the application process, you will be required to share and upload user data on the mobile application form. User data will include personal information including your name, e-mail address, gender, date of birth, mobile number, password, photograph, contact number, mobile phone information including SMS and browsing history, data and the login-in credentials of Third Party Platforms, such as financial information of bank documents, bank statements, salary slips, bank account no., PAN card, data required for Customer compliances, data from Credit Information Companies, and other important & relevant details (“Personal Information”). You agree that the Personal Information will always be accurate, correct and complete. As part of the Services, you authorize us to import your details and personal information spread across third-party platforms. You understand and acknowledge that we may request updates on such Personal Information from time to time and we may receive such updated information from third-party platforms.

All transactions undertaken by the Company on your behalf shall be based on your express instructions/consent and shall be strictly on a non-discretionary basis. As part of these terms, you authorize the Company to request your credit information report from one or more Credit Information Companies, as the Company sees fit. Once you verify and upload the User Data and/or other documents and details in the Mobile Application Form, the Company will process the same. On completion of the document verification by the company, you may be sanctioned the loan by the lender subject to suitable eligibility criteria and other terms and conditions stipulated by the lender for sanctioning the loan. Thereafter, you need to fill and upload the ECS/NACH mandate form/cheque or any other document as required by the Lender. The company may collect physical documents including signatures on documents required for loan approval and processing. On collection of documents by the company, the lender will disburse the loan, subject to the terms and conditions of the loan agreement.

The sanctioned loan will be disbursed as per the method given in the mobile application form. You will be required to repay the outstanding amount to the Lender on the respective due date(s) mentioned in the Mobile Application Form.

The Company reserves the right to track your location (“Track”) during the time you are availing the Services, and even after discontinuing, uninstalling or deleting the mobile App. This will be done until all your obligations including payment of the Outstanding Amount(s) to LENDER are fulfilled. You understand and acknowledge that the Company reserves the right to track your location (“Track”) during the provision of the Services, and also in the event you cease to use the Services by deleting or uninstalling the mobile app or stop using. app or otherwise, until such time as your obligation to pay the LENDER the Outstanding amount ceases to exist.

Uninstalling or discontinuing the use of our Services does not absolve you of your responsibility, obligation, and liability to repay any Outstanding Amount(s). You accept full responsibility for all actions taken under your User Account while using the Services and agree that the Company shall not be held liable for any claims, damages, or disputes arising from the use or misuse of the Services. By accessing the Services, you accept that you are responsible for maintaining the confidentiality of your User Account and for any other related activities. The Company reserves the right to approve or deny your registration for the Services without any explanation. Also, you acknowledge that it’s your responsibility to have compatible electronic devices and internet connection that meet the necessary hardware, software, internet connection, and other specifications for the proper functioning of the Platform and the Services.

The User Data provided during the registration is stored by the Company for your convenience. You are not required to log in to your User Account, every time, to use or access the Platform. You understand and acknowledge that by accepting these Terms, you authorize us to Track, fetch and use the User Data, including but not limited to your Personal Information, for the purpose of authentication and any updates with regards to your credentials.

LICENSE:

License to use the App: To use the Services, you must download and install the App. You represent and warrant that you are of the age of majority as defined by applicable laws and are able to understand, enter into, and comply with these Terms. The Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable right to download, install, and use the App. The App. is only licensed to you and not sold to you and shall only be used as per these Terms & Conditions.

Scope of License: You may install, download, access or use the App through the Online Stores on/from mobile phones, tablets, or any other electronic devices.

Maintenance & Support: You acknowledge that the Company may offer maintenance and support for the App at its discretion, but is not obligated to provide such services.

Updates/Upgrades: You may be able to subscribe to updates/upgrades for the App through the Online Stores. If you choose not to update/upgrade the App, some features or functionality may not be available to you.

RESTRICTIONS:

You agree not to: use the Platform or the Services for committing fraud, embezzlement, money laundering, or for any unlawful and/or illegal purposes; to reproduce, duplicate, copy, sell, resell or exploit any portion of the App; upload, post, email, transmit or otherwise make available, the Company prohibits any content that is illegal, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable on the Platform; impersonate any person or entity, on the Platform; forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the App; upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law; do not upload, post, email, transmit, or otherwise make available on the Platform any content that infringes on any patent, trademark, trade secret, copyright, or other proprietary rights of any party. Additionally, do not make available on the Platform any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation.

Upload, post, email, transmit or otherwise upload any material containing software viruses or any other computer code, files or programs designed to disrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment made available on the platform. Furthermore, any activity that hinders the normal flow of communication and hinders other users’ ability to participate in live discussions, or any attempt to sabotage the Platform or any networks associated with it, or violate any rules and regulations set by these networks is strictly prohibited. Finally, do not intentionally or unintentionally violate any applicable local, state, national, or international laws or regulations having the force of law.

CONTENT AVAILABLE:

You acknowledge that the Company makes no representations or warranties about the Content, such as data files, text, facts and figures, computer software, code, audio files or other sounds, photographs, videos, or other images, that you may have access to as part of the Services or through your use of the Platform. The Company shall not be liable in any way for any Content, including but not limited to any infringing Content, errors or omissions in Content or any loss or damage of any kind incurred as a result of the use of any Content posted, transmitted, linked from, or otherwise accessible through or made available via the Platform. Any information provided on the Platform should not be considered a formal offer, endorsement, or recommendation to purchase or sell any financial products or securities offered by the Company or its affiliates unless otherwise stated in these Terms.

PROPRIETARY RIGHTS OF THE COMPANY:

You understand, acknowledge, and agree that the Company owns all rights, title, and interest, including any and all intellectual property rights, in the Content, Platform, Services, logos, trade names, brand names, designs, and any necessary software used in connection with the Platform.

There may be proprietary logos, service marks, and trademarks found on the Platform that are owned/used by the Company or others. By displaying them on the Platform, the Company does not grant you a license to use these proprietary logos, service marks, or trademarks. Any unauthorized use of them may violate intellectual property laws.

You understand and acknowledge that the Company owns the Platform and that these Terms do not transfer ownership, rights, or title in the Platform from the Company to you or any third party. You are entitled to access the Services offered by the Company during the validity of your registration with the Company.

LINKS TO THIRD PARTY SITES:

The Platform may have links to external websites that are owned and operated by third parties who have no association with the Platform, referred to as “Linked Websites”. The Linked Websites are not under the control of the Company and the Company shall not be responsible for the content of any Linked Websites or any hyperlink contained in a Linked Website and makes no representation or warranty with respect to the content of any such third party sites.

The Platform provides these links to you as a convenience only and the inclusion of any link does not imply any endorsement of the Linked Website by the Company. Your access or use of Linked Websites is done so entirely at your own risk and the Company shall not be a party or involved in any interactions or transactions between you and the Linked Website.

The Platform may also contain third-party advertisements if any. The display of such advertisements does not in any way imply an endorsement or recommendation by/of the relevant advertiser, its products, or services. You shall independently refer to the relevant advertiser for all information regarding the advertisement and its products and/or services. The Company shall not take any responsibility for any interaction between you and a third party, and will not be held liable for any consequences arising from such interaction.

ANCILLARY SERVICES:

You may be able to access additional features on the Platform such as chat rooms, blogs, feedback, reviews and other Ancillary Services which may be offered periodically, and are operated by us or third parties who act on our behalf. You are prohibited from utilizing the Ancillary Services or allowing any third party to utilize them for any illegal activities, including but not limited to defamation, abuse, harassment, stalking, threatening, promoting racism, or any other violations of legal rights, such as the rights of privacy of others. Additionally, the Platform may contain advice, opinions, and statements from various professionals, experts and analysts, which the Company does not necessarily endorse or verify the accuracy, or reliability of. It is your responsibility to verify the credibility and usefulness of any such advice, opinions, services, statements, or information provided on the platform, before relying on them. The details provided on the Platform are not intended as legal, accounting, tax, financial, investment, or other professional advice and should not be taken as such. It does not offer advice on specific facts or matters. The Company may, at its discretion, update, edit, alter, or remove any information available on the Platform and shall not be held liable for any subsequent claims or losses resulting from such changes. It is important to note that no information on the Platform should be considered as a recommendation for any product or process, and the company gives no representation or warranty, express or implied, that using any of the products or processes on the Platform would not infringe any patents or other rights.

TERMINATION:

The Company reserves the right to terminate these Terms in the following situations:

• You violate any provision of these Terms;
• The Company is legally required to do so;
• The Company decides to discontinue offering the Services or to stop operating the Platform;
• The license to use the App expires;
• Non-payment of outstanding amount(s). Additionally, the company retain the right to track you even after the termination of these Terms or after you have uninstalled the App until all your obligations, including but not limited to the payment of outstanding amount(s), are fulfilled. Upon termination of these Terms, your rights and licenses granted under these Terms shall be canceled and you must immediately stop using the Platform and the Services and repay the outstanding amount(s). It should be noted that termination of these terms for any reason whatsoever shall not relieve you of your obligations, including but not limited to repayment of the outstanding amount(s).

DISCLAIMER OF WARRANTIES:

You understand and agree that your use of the Services and the Platform is at your own risk and that the Services and the Platform are provided on an “as is” and “as available” basis. The Company makes no representations or warranties of any kind, whether express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement. Any material you download or otherwise obtain through the use of the Platform is done at your own discretion and risk and You will be held accountable for any damage to your computer system, electronic data, or loss of data resulting from downloading any such material. The Company does not provide any warranties other than those explicitly stated in these Terms, regardless of whether the advice or information is oral or written, and obtained through the Company, the Services, or the Platform. The Services are intended for personal, non-commercial use. You are solely responsible for the use, misuse, and improper usage of the Services and the Platform. The Company will not be liable for any damages resulting from the use of the Services that have not been explicitly stated in these Terms. The Company makes no warranty and specifically denies any obligation, that: (a) the Content is complete, exhaustive, accurate, or suitable for your needs; (b) the Platform or Services will meet your needs or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results obtained from using the Platform or Services will be accurate or reliable.

INDEMNITY:

You agree to indemnify and hold the Company, and its subsidiaries, affiliates, officers, agents, co-branders, other partners, and employees, harmless from any third-party claim or demand, including attorneys’ fees, that results from (i) your violation of these Terms, (ii) your violation of other users’ rights, (iii) your use or misuse of the Platform or Services, or (iv) your violation of applicable laws.

LIMITATIONS OF LIABILITY:

You understand and agree that the Company, including its directors, officers, employees, representatives, or service providers, will not be held responsible for any damages, including but not limited to, direct, indirect, incidental, special, consequential, or exemplary damages (even if the Company has been advised of the possibility of such damages), resulting from: (a) the use or inability to use the Services, (b) inability to access the Platform, (c) delays in providing the Services or access to the Platform, (d) the Company’s performance or non-performance, (e) damage to or viruses infecting your electronic devices or other property as a result of accessing the Platform or downloading content from the Platform, and (f) server failure or other issues related to the Services.

FORCE MAJEURE:

Without limiting the foregoing, under no circumstances shall the Company be held liable for any damage, loss, loss of services of Platform, due to the deficiency in the provision of the Services resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, internet failures, computer equipment failures, telecommunication equipment failures, change in Reserve Bank of India regulations, or any other government regulations, riots, storms, civil disturbances, electrical failure, , floods.

Cancellation & Refund Policy:

By using our Services, you agree to our Cancellation & Refund Policy. Please take a moment to familiarize yourself with the details below, outlining our commitment to fairness and customer-centric practices.

(i) Pre-Disbursement Cancellation: Cancellation is allowed if the loan has been sanctioned but not disbursed.(ii) Cancellation After Disbursement: If the applicant wishes to cancel the service after loan disbursement within 24 hours, the principal amount must be repaid.(iii) Refund of Excess Payments: Any Excess payments made will be refunded within 5-7 days after the reconciliation of loan repayment.

PRIVACY POLICY:

The collection, sharing, and uploading of Personal Information for the provision of Services is covered in detail in our privacy policy (“Privacy Policy”). You can find our Privacy Policy here.

CHANGE:

The Company has the right to modify, change, substitute, remove, suspend, or update these Terms or any related information at any time by posting the updated Terms on the Platform. These changes will take effect immediately upon posting. If you continue to use the Services or the Platform after these changes are made, it will be considered your acceptance of the revised Terms.

CHOICE OF LAW AND JURISDICTION:

This Agreement will be interpreted and governed by the laws of India, regardless of any conflict of laws principles. The parties also agree that the courts in Pune, Maharashtra, India will have exclusive jurisdiction over any disputes related to this Agreement.

MISCELLANEOUS:

ENTIRE UNDERSTANDING: These Terms, together with the Loan Agreement, the Mobile Application Form and the Privacy Policy, constitute the entire understanding between You and the Company with respect to the Services. Waiver: The Company reserves the right to enforce any and all rights and provisions outlined in these Terms, regardless of whether it has exercised this right in the past. You agree that, notwithstanding anything to the contrary in any statute or law, any claim or cause of action arising out of or in connection with the availing of the Services or these Terms must be filed within one (1) year after such claim or cause of action arose or is forever barred. Severability: If any part of these Terms is deemed invalid by a court, the parties agree that the court should try to uphold the parties’ intentions as reflected in the provision. The remaining provisions of these Terms will continue to be in full effect.

REFERRAL PROGRAM:

The referrer is the person whose referral code has been used and the referral recipient is the person who uses www.instacreditcash.com’s lending facility with a valid referral code. Participants shall include, individually or collectively, both referrers and referral recipients. For each referral, both referrers and referrals recipient get Rs. 200 Off on their next loan repayment amounts. The said amount is subject to change at www.instacreditcash.com’s discretion.

In addition to the 200 off, referrers may be eligible for referral contests that are declared from time to time. To participate in the Lucky Draw, the User must have referred at least 10 friends who have taken out loans using their Referral Code during the Contest Period. Referral code will be considered only if it is applied through the App of www.instacreditcash.com.

Winners of this referral program authorize www.instacreditcash.com to publish its name, city, photos, and other information on various platforms. A referral program is available for limited cities as prescribed by www.instacreditcash.com. Creating multiple customer accounts by signing in with multiple addresses, emails or different devices in order to unnecessarily receive referral discounts is a violation of these Terms and Conditions.

The referral discount is non-transferable. www.instacreditcash.com reserves the right to discontinue, add, alter, withdraw, or modify, any of the terms and conditions of the referral discount program without assigning any reasons. In case of any dispute in relation to the referral program, the www.instacreditcash.com decision shall be binding on all customers. Any taxes, cess, liabilities, or fees, if any, payable under the Program to the Government or any other such authority or body shall be directly borne by the Customer.

www.instacreditcash.com reserves the right to review and investigate all referral activities and to suspend accounts or revoke/remove referral discounts and withhold features or benefits obtained through the www.instacreditcash.com referral program.

The Customer assumes all liability for any injury or damage caused or claimed to be caused by his/her participation in this Program and/or acceptance and/or use of any prize, and Instant Credit Loan, and their respective subsidiaries, affiliates, officers issues to, directors, agents and employees from any such liability. Instant Credit Loan and their respective subsidiaries, affiliates, officers, directors, agents and employees, for any technical, hardware, software, or telephone malfunction, lost or unavailable network connection, or failed incorrect, incomplete, inaccurate, or distorted, are not responsible. or delayed electronic communication caused by the user or any equipment or programming connected or used or by any human error that may have occurred in the processing of entries in this Program. Entrant constitutes permission (where prohibited by law) to use Winner’s name, city, state, likeness, and/or voice for purposes of advertising, promotion, and publicity without additional compensation.

VIOLATIONS:

Please report any violations or grievances in relation to these Terms to the Company at info@cashfundindia.com I accept the terms and conditions