Terms and Conditions
These Terms and Conditions (“T&C”) constitute a legally binding agreement between you (“User” or “Client”) and CreditX Finkart Technology Pvt. Ltd. (“Company,” “we,” “us,” or “our”). By accessing or using our website (www.creditx.co.in) (“Platform”) and services (“Services”), you agree to comply with and be bound by these T&C. If you do not agree to these T&C, you must not access or use the Platform or Services.
1. Acceptance of Terms
a) By accessing or using the Platform and Services, you acknowledge that you have read, understood, and agree to be bound by these T&C and our Privacy Policy.
b) These T&C supersede all prior agreements or arrangements between you and CreditX Finkart Technology Pvt. Ltd. regarding the use of the Platform and Services.
c) Your access to and use of the Platform and Services are conditional upon your acceptance of and compliance with these T&C.
2. User Representations and Warranties
a) You represent that you are at least 18 years old and have the legal authority to enter into contracts.
b) You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
c) You acknowledge that you are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
d) You agree to immediately notify CreditX Finkart Technology Pvt. Ltd. of any unauthorized use of your account or any other breach of security.
3. Use of Platform and Services
a) CreditX Finkart Technology Pvt. Ltd. grants you a non-exclusive, non-transferable, limited license to access and use the Platform and Services in accordance with these T&C.
b) You agree to use the Platform and Services only for lawful purposes and in compliance with all applicable laws and regulations.
c) You must not:
- Copy, modify, distribute, or disclose any part of the Platform without prior written consent from CreditX Finkart Technology Pvt. Ltd..
- Use any automated system, including “robots,” “spiders,” or “offline readers,” to access the Platform.
- Introduce any viruses, malware, or other harmful material to the Platform.
- Attempt to gain unauthorized access to any part of the Platform or its related systems or networks.
4. Intellectual Property Rights
a) All content on the Platform, including text, graphics, logos, images, and software, is the property of CreditX Finkart Technology Pvt. Ltd. or its licensors and is protected by applicable intellectual property laws.
b) Unauthorized use of any content on the Platform is strictly prohibited.
5. User-Generated Content
a) By submitting or posting content on the Platform, you grant CreditX Finkart Technology Pvt. Ltd. a non-exclusive, royalty-free, worldwide license to use, display, reproduce, and distribute such content.
b) You represent and warrant that you have all necessary rights to submit or post such content and that it does not infringe any third-party rights or violate any laws.
c) CreditX Finkart Technology Pvt. Ltd. reserves the right to remove any content that violates these T&C or is deemed inappropriate at its sole discretion.
6. Third-Party Links and Services
a) The Platform may contain links to third-party websites or services that are not owned or controlled by CreditX Finkart Technology Pvt. Ltd..
b) CreditX Finkart Technology Pvt. Ltd. has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
c) You acknowledge and agree that CreditX Finkart Technology Pvt. Ltd. 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 the use of or reliance on any such content, goods, or services available on or through any such websites or services.
7. Data Collection and Privacy
a) Your use of the Platform and Services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information.
b) By using the Platform and Services, you consent to the collection and use of your information as outlined in the Privacy Policy.
8. Disclaimers
a) The Platform and Services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
b) CreditX Finkart Technology Pvt. Ltd. does not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components.
c) CreditX Finkart Technology Pvt. Ltd. makes no representations or warranties regarding the accuracy, completeness, or reliability of any information or content provided through the Platform.
9. Limitation of Liability
a) To the fullest extent permitted by law, CreditX Finkart Technology Pvt. Ltd. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of or inability to access or use the Platform or Services;
- Any conduct or content of any third party on the Platform;
- Any content obtained from the Platform; and
- Unauthorized access, use, or alteration of your transmissions or content.
b) In no event shall CreditX Finkart Technology Pvt. Ltd.‘s aggregate liability for all claims related to the Platform and Services exceed the amount paid by you, if any, for accessing the Platform and using the Services.
10. Indemnification
You agree to indemnify, defend, and hold harmless CreditX Finkart Technology Pvt. Ltd. and its affiliates, officers, agents, employees, and partners from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Platform or Services, or your violation of these T&C.
11. Modifications to Terms
CreditX Finkart Technology Pvt. Ltd. reserves the right to revise or modify these T&C at any time without prior notice. Changes will take effect immediately upon posting on the Platform. Users are advised to review these T&C regularly.
12. Governing Law
These T&C are governed by and construed in accordance with the laws of Maharashtra, India. Any disputes will be subject to the exclusive jurisdiction of the courts in Mumbai.
