TERMS & CONDITIONS

KREDITME ("KREDITME") is a property of and operated by DIGITAL MONEY PVT LTD, a company incorporated under the Companies Act, and having its registered office at NO 5 BETHESDA PLACE，OFF DICKMANS ROAD，COLOMBO 04. By accessing or using any version of the KREDITME application ("App") on any compatible device, you signify that you have read, understood and agree to be bound by these Terms and Conditions ("T&C") and any other applicable law, whether or not you are a registered member of the App. As used herein, "Users" shall mean anyone who uses or accesses the App on any computer, mobile phone, tablet, console or other device (collectively, "Device"). Your continued use of the App shall be constituted as your acceptance to the T&C, as revised from time to time. If you do not agree with these T&C, please do not access and use the App. For the purposes of these T&C, "we", "our" and "us" shall mean KREDITME, and/or third-party service providers engaged by KREDITME to render certain services on the App and "you" and "your" shall mean a User who meets the eligibility criteria set out below.

1) TERMS AND CONDITIONS SUBJECT TO CHANGE

a) We reserve the right to update or modify these T&C at any time without prior notice. Your access and use of the App following any such change constitutes your agreement to follow and be bound by these T&C, as updated or modified. For this reason, we encourage you to review these T&C each time you access and use the App.
b) Eligibility
c) The User of this Website unequivocally declares and agrees that the User is a natural and legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the services of the Website in accordance with the terms and conditions detailed hereinafter. In case, we choose not to charge any fee for the services provided in the Website, by registering on the Website, the User hereby undertakes to agree and abide by the Terms and Conditions detailed hereinafter. If the User violates any of these Terms & Conditions, or otherwise violate an agreement entered into through the medium of the Website, we may terminate the User’s membership, delete his/her profile and any content or information posted online by the User on the Website and / or prohibit the User from using or accessing the Platform through the Website at any time in its sole discretion, with or without notice, including without limitation if it believes that you are under 18 years of age.
d) If you represent a company, partnership firm or sole proprietorship, you shall be eligible to access the App and avail of the features and facilities on its behalf only if you have been duly authorized by way of necessary corporate action, as may be prescribed statutorily and/or under the charter documents of such entity and further, if you have fulfilled such additional eligibility requirements as KREDITME may require in connection therewith.

2) INTELLECTUAL PROPERTY POLICY

a) All of the content on the App, including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, trade names (“App Content“), constitute our and our licensors’ intellectual property. Copyright laws in all applicable jurisdictions protect the App and the App Content.
b) You may access the App, avail of the features and facilities and utilize the App Content for your personal or internal requirements only. You are not entitled to duplicate, distribute, create derivative works of, display, or commercially exploit the App Content, features or facilities, directly or indirectly, without our prior written permission. If you would like to request permission to commercially exploit any particular App Content, you could contact us in the manner provided for herein.
c)KREDITME and its licensors, if any, are the sole owners of the underlying software and source code associated with the App and all the trademarks, copyright and any other intellectual property rights of any nature in the App.

3) USER ACCOUNT, PASSCODE & SECURITY

a) You have an option to set a security passcode on the App once you are approved for a credit limit. You are responsible for maintaining the confidentiality of the passcode and your account (“Account”) and are fully responsible for all activities that occur under your passcode or Account. You agree to: (a) immediately notify us of any unauthorized use of your passcode or Account or any other breach of security; and (b) ensure that you exit from your Account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to comply with this Clause 4.
b) You hereby acknowledge that the deletion of the App from the Device does not constitute termination of your Account and agree to undertake the process detailed herein in order to complete de-registration. If and when you are desirous of having your name and other details removed from the records of KREDITME, immediately upon receiving your written request to that effect KREDITME shall remove and/delete all such information. You hereby acknowledge that the removal of your details from KREDITME does not constitute termination of your obligations, if any, to our banking partner who may have approved your credit limit on KREDITME.

4) USE OF APP – FEATURES AND FACILITIES

a) Through the App, KREDITME assists Users to gain access to certain credit schemes from its banking and financial partners.
b) KREDITME hereby grants to you a restricted, non-transferable, license to download and use the App on a Device, having the specifications provided for in Clause 7 of these T&C, which you own or control, to avail of the functions and features in accordance with these T&C.
c) The App provides inter alia a combination of the following facilities to its visitors:
    i) Qualification for various financial products;
    ii) Monitoring personal financial transactions and credit history;
    iii) Personal credit management.
d) Your usage of the App will necessitate you to provide to us certain personal and financial information, which shall be collected and maintained as per the terms laid down in our Privacy Policy.
e) We shall not mediate or attempt to get involved in and resolve any disputes or disagreements inter se between you and third party/ies.
f) We will use your name as per the records in the application.

5) CUSTOMER COMMUNICATIONS

a) I hereby appoint [TARDUS TECH PRIVATE LIMITED] and ADVANCE INTELLIGENCE TECHNOLOGY INDIA PRIVATE. LTD as my authorized agents/representatives for collection of my Credit Information Report. I hereby give my free consent and authorize [TARDUS TECH PRIVATE LIMITED] and ADVANCE INTELLIGENCE TECHNOLOGY INDIA PRIVATE. LTD. by providing my personal information to obtain my Credit Information Report and Credit Score from Equifax Credit Information Services Pvt. Ltd. (“Equifax”) for the purpose of risk assesment and credit underwriting and not for any other purpose.
b) Accepting these T&C, implies your express consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf at any contact number, or physical or electronic address provided by you while registering your Account. You further agree to us contacting you in any manner, including without limitation, SMS messages (including text messages), WhatsApp, calls using pre-recorded messages or artificial voice, calls and messages delivered using auto telephone dialling system or an automatic texting system, and notifications sent via the App. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via SMS.
c) You certify, warrant and represent that the telephone numbers and/or email addresses and any other information that you have provided to us are your own and not someone else’s and are true, accurate, current and complete. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us and emails at each of the email addresses you have provided us. You agree to notify us whenever you stop using a particular telephone number(s) and/or email address (es).

6) SYSTEM REQUIREMENTS

a) In order to use the App, you are required to have a compatible Device with the following minimum specifications: Android Operating System version 4.1 (SDK level 16) or higher or iOS 9.0 or higher.

7) USER GUIDELINES

a) In consideration of KREDITME granting you the rights hereunder, you hereby agree not to use the App for any purpose that is unlawful under any applicable laws and/or in violation of the terms of these T&C and our Privacy Policy. You shall not use the App in any manner that could damage, disable, overburden, or impair our server, or any network(s) connected to any KREDITME server, or interfere with any other party’s use and enjoyment of the App. You shall not attempt to gain unauthorized access to any functions and features, other user accounts, computer systems or networks connected to any KREDITME server, in any manner, including, through hacking, password mining or any other means. You shall not obtain or attempt to obtain any materials or information through any means which is not intentionally made available through the App.
b) The App is made available to you for your own personal and non-commercial use alone. You shall not allow third parties to: make and/or distribute copies of the App or any deliverable generated by the App; attempt to copy, reproduce, alter, modify and/or reverse engineer the App; and/or create derivative works of the App.
c) You accept that any and all operations emanating from your Device shall be assumed to have been initiated by you.
d) You shall not copy, reproduce, distribute, or create derivative works of our content that is available on the App. Also, you shall not reverse engineer or reverse compile our technology that is available on the App, including, without limitation, such Java Applet, as may be associated with the App from time to time.
e) You shall request KREDITME, to block the Account and change the passcode immediately for the Account, if your Device has been lost or stolen.
f) You are responsible for any and all activities that occur in your Account. You agree to notify KREDITME immediately of any unauthorized use of the Account or any other breach of security. KREDITME shall not be liable for any loss to you or your organization owing to negligent actions or a failure on your part to inform KREDITME, within a reasonable time, about loss or theft of your Device and/or any unauthorized access in your Account, either with or without your knowledge.
g) You shall be liable for losses incurred by KREDITME or any other party due to a third party’s use of the Account. You shall not use any other person’s account at any time, without the permission of the account holder and KREDITME.
h) KREDITME shall make all reasonable efforts to ensure that your information is kept confidential. However, KREDITME shall not be responsible for any disclosure or leakage of confidential information and/or loss or damage of the Device due to theft, negligence or failure on your part to practice safe computing.
i) You shall ensure that while using the functions and features, all prevailing and applicable laws, rules and regulations, shall at all times, be strictly complied with by You and KREDITME shall not be liable in any manner whatsoever for default of any nature, by you, regarding the same.
j) You understand and acknowledge that upon using the App, you authorize us to access third party sites designated by you, on your behalf, to retrieve such information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant us a limited powers and hereby authorize us with the full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with services and facilities available on the App, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ACCESSES AND RETRIEVE INFORMATION FROM THIRD PARTY SITES, WE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that such third parties shall be entitled to rely on the foregoing authorization, agency granted by you.
k) You must notify your bank immediately in the event your credit card is lost, stolen, not received, swallowed at an ATM, or is being misused without your permission. Please refer the detailed instructions received from your bank for additional precautions to be taken in case of loss/ theft/ misuse of your credit card.
l) KREDITME accepts no responsibility for advertisements contained within the Website. We have no control over and accept no responsibility for the content of any website or mobile application to which a link from the Website exists. Such linked websites and mobile applications are provided “as is” for User’s convenience only with no warranty, express or implied, for the information provided within them. We do not provide any endorsement or recommendation of any third party website or mobile application to which the Website provides a link. Further, the Users consent and agree that the content provided in the Website shall be synced and shall be available in both mediums.

8) INDEMNIFICATION

a) You agree to protect, defend and indemnify us and hold us and our representatives harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your access and use of the App in violation of these T&C and/or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.
b) You agree to protect, defend and indemnify us and hold us and our representatives harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your access and use of the App in violation of these T&C and/or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.

9) WARRANTIES

a) The App and the functions and features therein are provided on an “as is” and on an “as available” basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
b) KREDITME shall make reasonable efforts to make available the App and the functions and features at all times. However, we make no warranty that the App shall meet your requirements, be uninterrupted, timely, secure, and/or error free. Further we do not make any warranty as to the results that may be obtained from the use of the functions and features or as to the accuracy, reliability and/or quality of the output derived therefrom.
c) KREDITME shall not be liable for the loss and/or damage of the confidential information or data of the User arising as a result of an event or a series of related events, that is beyond the control of KREDITME, including failures of or problems with the internet or part of the internet, attempted hacker attacks, hacker attacks, denial of service attacks and/or viruses or other malicious software attacks or infections.
d) Any material downloaded or otherwise obtained through the App is done at your own discretion and risk and you are solely responsible for any damage to your Device or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from us through or from the service will create any warranty not expressly stated in these T&C.

10) LIMITATION OF LIABILITY

a) in no event shall we be liable for any direct, indirect, punitive, incidental, special or consequential damages or for any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the access, use or performance of this app’s functions and features or for interruptions, delay, etc., even if we were advised of the possibility of damages resulting from the cost of getting substitute facilities on the app, any products, data, information or services purchased or obtained or messages received or transactions entered into through or from the app, unauthorized access to or alteration of your transmissions or data statements or conduct of anyone on the app, or inability to use the app, the provision of or failure to provide the functions and features, whether based on contract, tort, negligence, strict liability or otherwise. This clause shall survive in perpetuity.

11) SEVERABILITY

a) If any provision of these T&C is held to be illegal, invalid or unenforceable under any present or future applicable laws:
    i) such provision will be replaced with another, which is not prohibited or unenforceable and has, as far as possible, the same legal and commercial effect as that which it replaces; and
    ii) The remaining provisions of the T&C will remain in full force and effect and will not be affected by the illegal, invalid, or unenforceable provision or by its severance here from.

12) TERMINATION

a) KREDITME may terminate the use of the App at any time after giving notice of the termination to you.
b) Upon termination, the rights and license granted to you herein shall terminate and you must cease all use of the App.

13 ) WAIVER

a) Any failure on the part of KREDITME to require performance of any provision of these T&C shall not affect its right to full performance thereof at any time thereafter, and any waiver by KREDITME of a breach of any provision hereof shall not constitute a waiver of a similar breach in the future or of any other breach.
b) Not with standing anything to the contrary contained herein, neither KREDITME nor its affiliated companies, subsidiaries, officers, directors, employees or any related party shall have any liability to you or to any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these terms and conditions. To the maximum extent permitted by law, you waive, release, discharge and hold harmless KREDITME, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Website.
c) As a User you also acknowledge that we have maintained and carried out all possible checks and balances to assure the credibility of the Users as listed on the Platform. The information provided on the Website is based on the information that is provided to us. In case the User does not disclose any information to us, and the same is not found out at the first instance by us despite all measures adopted to certify the ratings or credibility of a User, we shall not be responsible for any claims or liabilities. We, in any event are not responsible for any default in return of money that is borrowed from the lender and the lender shall have the exclusive right to initiate proceedings against the defaulter borrower. We shall to the best of our abilities aid the concerned User in terms of provision of information to initiate any legal proceedings. However, we shall not be responsible for any default on behalf of the User. We are an information platform and the User is entitled to conduct its own diligence before taking any steps to initiate the processes outlined in the Website.
d) KREDITME makes no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted. Consequently, we assume no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website; and/or any interruption or errors in the operation of the Website. This limitation of liability clause shall prevail over any conflicting or inconsistent provision contained in any of the documents / content comprising this Terms and Conditions. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, malware, Trojan horses and other items of a destructive nature.

14) ASSIGNMENT

a) You shall not assign or transfer any rights, obligations, or privileges that you have under these T&C, without the prior written consent of KREDITME. Subject to the foregoing, these T&C will be binding on the successors and permitted assignees of KREDITME. Any assignment or transfer in violation of this clause will be deemed null and void.

15) INDEPENDENCE FROM PLATFORMS

a) The App is independent of any platform on which it is located. The App is not associated, affiliated, sponsored, endorsed or in any way linked to any platform operator, including, without limitation, Apple, Google, Android or RIM Blackberry (each being an “Operator”).
b) Your download, installation, access to or use of the App is also bound by the terms and conditions of the Operator.
c) You and KREDITME acknowledge that these T&C are concluded only between you and KREDITME, and not with an Operator, and KREDITME, not those Operators, are solely responsible for the App and the content thereof to the extent specified in these T&C.
d) KREDITME is solely responsible for providing any maintenance and support services with respect to the App as required under applicable law. You and KREDITME acknowledge that an Operator has no obligation whatsoever to furnish any maintenance and support services with respect to the App.
e) You and KREDITME acknowledge that KREDITME, not the relevant Operator, is responsible for addressing any User claims or any third party claim relating to the App or your possession and/or use of the App, including, but not limited to:
    i) any claim that the App fails to conform to any applicable legal or regulatory requirement; and
    ii) Claims arising under consumer protection or similar legislation.

f) You and KREDITME agree that, in the event of any third party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, KREDITME and not the relevant Operator, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim; provided such infringement was caused by KREDITME.
g) You must comply with any applicable third party terms of agreement when using the App (e.g. you must ensure that your use of the App is not in violation of your Device agreement or any wireless data service agreement).
h) You and KREDITME agree that the relevant Operator, and that Operator’s subsidiaries, are third party beneficiaries of these T&C , and that, upon your acceptance of these T&C , that Operator will have the right (and will be deemed to have accepted the right) to enforce the terms of these T&C against you as a third party beneficiary thereof.

16) UPDATES

a) KREDITME reserves the right to update the App, in order to, inter alia, increase efficiency, optimize user interface, and add new facilities from time to time. Update packages will be sent to you on your Device for download and installation.
b) You hereby agree to install the updates from time to time and acknowledge that KREDITME will only be able to provide Account support for the App if you ensure to install all updates upon receiving notifications thereof when using the App.

17) VALIDITY OF T&C

a) These T&C shall apply when you complete the authentication process and create an account and shall remain valid and binding on you for so long as you maintain the Account.

18) GOVERNING LAW AND JUSTIFICATION

a) These T&C (and by extension, the Privacy Policy) are governed and construed in accordance with Indian law. By using the App, you hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Delhi, India, in the event of any disputes arising out of or in relation to your access to and use of the App.

19) GRIEVANCES

a) Users have complete authority to file a complaint/ share feedback if they are disappointed by services rendered by KREDITME. They can give their complaint/ feedback in writing or by way of an email to info@kredit-one.com

Contact Information

Name: Kalyani
Address: NO 5 BETHESDA PLACE，OFF DICKMANS ROAD，COLOMBO 04
Phone number: 0754182313
EMAIL: info@kredit-one.com

DISCLAIMER OF WARRANTIES

You expressly understand and agree that: Your use of the service and all information, products and other content (including that of third parties) included in or accessible from the service is at your sole risk. The service is provided on an "as is" and "as available" basis. Company and service provider expressly disclaim all warranties of any kind as to the service and all information, products and other content (including that of third parties) included in or accessible from the service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and noninfringement.
Company and service provider make no warranty that:
A. The service will meet your requirements.
B. The service will be uninterrupted, timely, secure, or error-free.
C. The results that may be obtained from the use of the service will be accurate or reliable.
D. The quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations.
E. Any errors in the technology will be corrected.
F. And you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from company or service provider through or from the service will create any warranty not expressly stated in these terms.

LIMITATION OF LIABILITY

You agree that neither company or service provider nor any of their affiliates, account providers or any of their affiliates will be liable for any harms, which lawyers and courts often call direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if company or service provider has been advised of the possibility of such damages, resulting from:
The use or the inability to use the service.
B. The cost of getting substitute goods and services.
C. Any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the service.
D. Unauthorized access to or alteration of your transmissions or data.
E. Statements or conduct of anyone on the service.
F. The use, inability to use, unauthorized use, performance or non-performance of any third party account provider site, even if the provider has been advised previously of the possibility of such damages.
G. Any other matter relating to the service.

INDEMNIFICATION

You agree to protect and fully compensate Company and Service Provider and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Service, your violation of these terms or your infringement, or infringement by any other user of Your Account, of any intellectual property or other right of anyone. You agree that Service Provider is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Service Provider were a party to this Terms and Conditions.

DOCUMENTS POLICY

KREDITME does not return any customer documents including but not limited to IDs, Address proofs, bank statements and photographs. KREDITME may disclose the customer information / documents to credit agencies / bureaus, RBI or any other financial institution / third party that may need the information as deemed necessary by KREDITME / RBI or any other regulatory / legal authority. In this regard, customer waives the privilege of privacy.