These Terms of Use ("User Agreement") lays down the terms and conditions to govern the user's access to and use of the website or mobile application ("Platform") of NJ Financial Services Private Limited ("NJ" or "Company"). By accessing or using the Platform, you agree to be bound by this User Agreement and to the collection and use of your information as set forth in the Privacy Policy of the Company. If you do not agree with any part of this User Agreement, you may not access or use the Website. You may use the website only for lawful purposes.
Interpretation
The words, "him", "his", "You", "Your", "Client", "User" "Investor", "Subscriber" and "Customer" refer to the person(s) who use and avail the products and services from the Company and shall include both singular and plural. All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define, limit or affect the meaning or interpretation of the terms contained herein.
Your access and use of the Platform and the services constitute your agreement to be bound by this User Agreement, which establishes a contractual relationship between you and Company. If you do not agree to this User Agreement, you may not access or use the services or the Platform and/or immediately terminate the services. For the avoidance of doubt, it is clarified that this User Agreement shall apply to all the services offered by the Company.
This User Agreement must be read in consonance with the privacy policy document or other such documents as may be applicable to a particular service, situation, circumstance or transaction.
Usage of the website indicates your consent to this User Agreement; however we strongly recommend you to read the terms carefully before continuing to use the website.
For the purpose of further clarity, this document is an electronic record in terms of the Information Technology Act, 2000, (“IT Act”) and the amendments thereof from time to time and the rules thereunder as applicable, and the amended provisions pertaining to electronic records in various statutes as amended by the IT Act.
Usage
You may browse, check and avail products and services which are available through the Platform. The products and services shall be governed by specific terms and conditions applicable for such products and services made available by the respective manufacturer or service provider on its respective website. Your eligibility for any loan product will be determined by the lender.
You agree that NJ may, at its discretion, engage the services of its group entities, merchant, vendors, service providers, sub-distributors for providing products and services or verifying any information, and any necessary or incidental lawful acts, deeds, matters and things connected thereto, as NJ may deem fit.
Amendment and Modification of User Agreement
The Company may amend this User Agreement at any time by posting an updated version on the Platform. The updated version of the User Agreement shall take effect immediately and it is your responsibility to review this User Agreement periodically for updates or changes. Your continued use of the Platform following the changes shall be deemed to mean that you accept and agree to the revisions including additional terms or removal of portions of this User Agreement, modifications etc. As long as you comply with this User Agreement, we grant you a personal, non-exclusive, non-transferable, limited privilege to use the Platform and avail the Services.
Assignment
You shall not assign or transfer any right or obligation that has accrued to you under this User Agreement, and any attempt by you to assign or transfer such rights and obligations, shall be null and void. NJ may assign or transfer any right or obligations that accrued in NJ's favour, at the sole discretion, without any restriction.
Privacy Policy
The Company collects, holds, uses and transfers data of the User in accordance with the Company's Privacy Policy. By agreeing to this User Agreement, the User hereby agrees to the Company's Privacy Policy, which may be updated and/or modified on the website of the Company from time to time.
Resolution of Disputes/Jurisdiction
The usage of the Platform and the terms of this User Agreement are exclusively based on and subject to Indian laws. The User hereby consents to the exclusive jurisdiction and venue of courts in Surat, Gujarat, India in all disputes arising out of or relating to the use of the Platform. Use of the Platform is unauthorized in any jurisdiction that does not give effect to all provisions of this User Agreement, including without limiting this paragraph.
Intellectual Property
All rights, title and interest on the Website and any content, as well as the design and information contained on the Website contained herein, is the exclusive property of NJ, except as otherwise stated. NJ is the sole owner of all the intellectual property including all rights in trademarks, marks, logos, symbols, copyright works, reports, diagrams, patents, designs created or held in the products, services, websites etc including but not limited to the domain names, the source codes, the database etc.
Limitation of Liability
YOU EXPRESSLY AGREE THAT THE USE OF THE PLATFORM IS AT YOUR SOLE RISK. The information and materials on the Platform may contain typographical errors or inaccuracies. The information, products and services on this Platform are provided on an "AS IS, WITH ALL FAULTS", "WHERE IS" and "WHERE AVAILABLE" basis.
Under no circumstances the Company shall and/or its associated entities be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this Platform or any consequences arising out of information submitted by you or with the delay or inability to use this Platform, or for any contents, information, software, products, features and services obtained through this Platform, or otherwise arising out of the use of this Platform, whether based on contract, tort, strict liability or otherwise, even if the Company or any of its associated entities has been advised of the possibility of damages.
Under this User Agreement, you assume all risk of errors and/or omissions on this Platform, including the transmission or translation of information. You assume full responsibility for implementing sufficient procedures and checks to satisfy your requirements for the accuracy and suitability of this Platform, including the information, and for maintaining any means, which you may require, for the reconstruction of lost data or subsequent manipulations or analysis of the information under the User Agreement.
Indemnity
YOU SHALL INDEMNIFY, DEFEND AND HOLD HARMLESS the Company (including its and their officers, directors, employees, affiliates, successors, assigns, licensors, group companies, agents or representatives) from any and against all the claims, losses, actions, damages, penalties, cost and expenses, demands, lawsuit and judicial proceedings imposed on, incurred by or asserted as a result of or related to: (a) your access and use of this Website (b) any non-compliance by user with the terms and conditions hereof; or (c) any third party actions related to users receipt and use of the information, whether authorized or unauthorized. Any clause declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder. This User Agreement may only be amended in a writing signed by NJ. If NJ takes action (by itself or through its associate companies) to enforce any of the provisions of this User Agreement, including the collection of any amounts due hereunder, NJ shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney's fees and any costs of any litigation.
Termination
NJ may terminate or suspend your access to the Platform at any time, without notice, for any reasons, including but not limited to your violation of this User Agreement.