Terms and condition

This document (Hereinafter referred to as “Terms of Use”) is an electronic record in terms of existing and applicable Information Technology laws and the amended provisions thereto pertaining to electronic records in various allied statutes as amended pursuant to the Information Technology laws. This electronic record has been generated by a computer system and does not require any authentication.

The use of the websites, https://www.loanswale.co.in and / or any other associate website (hereinafter referred to as “Site” or “Website”) is subject to the terms of a legal agreement between the user of the Website and INSU CARE PRIVATE LIMITED, a company incorporated under the provisions of the Companies Act, 2013, having its registered office At Unit No. 539, Tower A, Spaze I Tech Park, Sector 49, Gurugram (Haryana)-122001.

The following terms and conditions will be deemed to have been accepted by you (“User”) on mere visitation and / or usage of the services of this Website. You are requested to read them carefully before you visit / use the services of this Site.

Unless expressly provided otherwise by the Company, all comments, feedback, information or Materials submitted to the Company through or in association with this Site shall be considered to be the concerned Company’s property. By submitting such comments, feedback, information or Materials to the Company, the visitor of the Site agrees to a no-charge assignment to the concerned Company of all worldwide rights, title and interest in copyrights and other intellectual property rights to the comments, feedback, information or Materials. The Company shall be free to use, copy, publish or distribute such comments, feedback, information or Materials on an unrestricted basis without any accountability or responsibility for the same to the visitor / User of the Site.

The Website contains, inter alia, information, applications, content or advertisements, texts, photographs, designs, graphics, images, sound and video recordings, animation and other Materials and effects (Hereinafter collectively, referred to as the “Content“) that are protected by applicable intellectual and proprietary rights owned by the Company, its affiliated companies, holding companies and subsidiary companies or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, the Company retains all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including, inter alia, any enhancements, software, applications and improvements related to the Website (the “Technology“) (the terms “Content” and “Technology” collectively will be referred to as the “Materials“). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice without the express written permission of the Company.

Permission is hereby granted to electronically copy and to print in hard copy, limited portions of the Materials published by the Company in this Site for the sole purpose of using Material/information contained therein for personal information and non-commercial use only. Except in connection with personal information and non-commercial use, none of the Contents may be copied, reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, transmitted, adopted, recorded, in any manner mirrored, photocopied, or reproduced without the prior written permission of the Company. Any other use of Materials/ information on the Website, including any commercial use, reproduction for purposes other than that noted above, modification, distribution, or republication without the prior written permission of the Company is strictly prohibited and may violate copyright or trademark laws, as applicable.

ALL CONTENTS ON THIS SITE ARE APPLICABLE PROPRIETARY AND INTELLECTUAL RIGHTS OF THE COMPANY, IT’S AFFILIATED COMPANIES, HOLDING COMPANIES, SUBSIDIARY COMPANIES AND OTHER THIRD PARTIES. EXCEPT AS SPECIFICALLY PERMITTED HEREIN, NO PORTION OF THE INFORMATION ON THIS WEBSITE MAY BE REPRODUCED IN ANY FORM, OR BY ANY MEANS, WITHOUT PRIOR WRITTEN PERMISSION FROM THE COMPANY. VISITORS OR USERS ARE NOT PERMITTED TO MODIFY, DISTRIBUTE, PUBLISH, TRANSMIT OR CREATE DERIVATIVE WORKS OF ANY MATERIAL FOUND ON THIS SITE FOR ANY PUBLIC OR COMMERCIAL PURPOSES.

If and when the need arises the User agrees and understands that he / she is solely responsible for maintaining the confidentiality of his / her password which, together with the Login ID (as may be applicable in accordance with the service selected), allows him / her to access the service. The login ID and password, together with any mobile number or other contact information that may have been provided, form the registration information (“Registration Information“). The User further agrees that he / she is solely responsible for maintaining the confidentiality of his / her Login ID and password, and for restricting / monitoring access to his / her computer. The User further agrees to accept responsibility for all activities that occur through his / her account or password. The Company strongly recommends that the User exits/ logs out from his / her account at the end of each session. You agree to notify the Company immediately of any unauthorized use of your account or any other breach of security. You further agree that the Company shall not be liable for any unauthorized use or access unless it is proved that the unauthorized use or access occurred solely due to reasons directly and substantially attributable to the Company.

You shall provide true, accurate, current and complete information about yourself and undertake to inform/update the Company of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of services by or through the Company. You agree not to misrepresent your identity nor will you attempt any unlawful access to the Website or use of the services of the Company. Additional terms and conditions will apply to your purchase of services that you select. Please read these terms and conditions carefully.

In consideration of your use of the Website and registering with us, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Website to make legitimate purchases or availing of services offered by the Company for you or for another person for whom you are legally authorized to act (and will inform such other persons about the TOU and/or Privacy Policy of the Company) that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto).

The Website may use robot exclusion methods, which include robots.txt files and HTML Meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real time basis and is proprietary or is licensed to the Company by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Website for any purpose, including but not limited to performing “offline” searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML Meta tags on the Website. Additionally, you agree that you will not bypass the Company’s robot exclusion methods or other measures that the Company may use to prevent or restrict access to the Website.

This Website may provide links to other websites or resources. Since the Company has no control over such third-party websites and resources, you acknowledge and agree that Company is not responsible for the availability of such external sites or resources, does not endorse, and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Your interaction with any third -party link or website accessed through the Website is entirely at your own risk, and Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties. Further, it is reiterated that the advertisements displayed on the Website are delivered by third parties and are beyond the reasonable control of the Company. The User agrees and understands that his / her details may be shared with the advertiser that he / she chooses on the website, and the Company shall not be held responsible in any manner whatsoever for any loss or damage whatsoever, that he / she incurs as a result of any conduct of such third-party advertisers. The Company strongly advises the User to conduct proper background checks before engaging the services as advertised on the Website, and should refrain from doing so in the event of any doubt. For the removal of doubts, the Company disclaims any liability without exception, arising out of the transaction between the User and any advertiser, which may have taken place as a result of the advisement displayed on the Website.

The Company has in place, reasonable measures to protect and safeguard the information provided by the User on its interface in accordance with the Information Technology Act, 2000 and its allied Rules and Regulations. However, the User indemnifies the Company from any kind of liability in case of any loss of data / information belonging to the User, resulting from an event, which could not have been prevented by the exercise of prudence on the part of the Company. Our privacy policy can be accessed through the link provided below:

The documents and graphics on this website could include technical inaccuracies or typographical errors. changes are periodically added to the information herein. the company may make improvements and/or changes herein at any time. the company make no representations about the accuracy of the information contained in the documents and graphics on this web site for any purpose. all documents and graphics are provided “as is” and “as available”. the company hereby disclaims all warranties and conditions with regard to this information, including all implied warranties and conditions of merchantability, fitness for any particular purpose, title and non-infringement. in no event, the company and/or their licensors/ suppliers shall be liable to any party for any direct, indirect, special or other consequential damages for any use of the sites, the information, or on any other hyperlinked web site, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if the company is expressly advised of the possibility of such damages.

In no event shall the company, its directors, officers, employees, affiliates, agents or contractors be liable for any compensatory, direct, indirect, incidental, consequential or punitive damages, loss of data, income or profit, loss of or damage to property, or any claims of you or other third parties whatsoever with respect to the website or the materials regardless of the legal theory on which the claim is based, including, without limitation, any damages that result from any mistake, omission, virus, delay or interruption in operation or service or failure of performance, whether or not resulting from an act of god, communications failure, theft or otherwise. the company shall not be liable for any losses or damages whatsoever resulting from any failure of the internet.

The company does not guarantee that any content, information, software or other material accessible through the website will be free of viruses, “worms”, “trojan horses”, or their harmful components. the company’s entire liability and your sole and exclusive remedy with respect to the use of any services provided by the company shall be cancellation of your account.

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, representatives, vendors and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that the Company may incur as a result of or arising from your (or anyone using the Website on your behalf) violation or breach of any representation or obligation under the Website.

The Company reserves the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with the Company’s defence of such claim.

You agree to transact with the Company electronically. This means you agree to accept any terms and conditions and to transact any business with the Company by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have lawful and authorised access to the Internet to inter alia, receive the Company’s services, to request that the Company contact you about its services, to participate in the Company’s text message program, and to view, print and retain all documentation. You authorize the Company to send you important notices about the Website and any pending transactions to an email address you provide to us, if you are a member of the Company or have requested that the Company contact you about our services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails the Company sends you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to transact electronically with the Company, you may no longer use the Website or Company’s services. You can retrieve and review the Website Terms at any time by visitinghttps://www.loanswale.co.in, as the case may be.

You are responsible for obtaining at your own expense all equipment and services required for your lawful and authorised access and use the Website, including all devices, Internet browsers and Internet access. If you access the Website or a Website application through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services.

Please note that these Terms of Use may change from time to time. The Company will not reduce your rights under this Policy without your explicit consent. Regardless, the Company will post any Policy changes on this page and, if the changes are significant, the Company will provide a more prominent notice. Each version of this Policy will be identified at the top of the page by its effective date. All Contents and Material are intellectual and proprietary rights of the Company its affiliated companies, holding companies and subsidiary companies and other third parties. All rights reserved without prior written approval from the Company, and no portion of the Terms of use may be copied/ reproduced or adopted in any form, or by any means.

The Company reserves the right to investigate complaints or reported violations of the Website Terms and to take any action the Company deems appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e- mail addresses, usage history, posted Materials, IP addresses and traffic information. The Company reserves the right to seek all remedies available at law and in equity for violations of the Website Terms, including but not limited to the right to block access from a particular internet address to any of the Company’s website(s). These incorporate by reference any notices contained on the Website and constitute the entire agreement with respect to access to and use of the Website, including but not limited to your request that the Company may contact you about its services, and/or your participation in website’s programs and/or services. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Website Terms shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Website Terms will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Website Terms to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.

The Company shall not be deemed to have waived any rights or remedies in the Website Terms unless such waiver is in writing and signed by the Company. No delay or omission on the part of the Company in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.

The Website Terms constitute the entire agreement and understanding between you and the Company, except as the Company may later modify the Website Terms. The Website Terms supersedes all prior agreements and understandings, oral or written, relating to the subject matter contained herein.

Please do not use the information on the Company’s Website to distribute unsolicited bulk e-mails, solicitations or inquiries. The foregoing acts will constitute a violation of the Website Terms.