Terms, Conditions and Privacy Policy

IMPORTANT: This section contains the Terms, Conditions and Privacy Policy of the Website and Mobile Application. By accessing this Website and Mobile Application and any of its pages, you are agreeing to these Terms. It may be noted LOAN SEVA KENDRA is a Website and Mobile Application developed by ValueFin India Technologies and Services Private Limited  It has been developed for ValueFin India Credit Services Private Limited (NBFC-ND registered with RBI), herein after referred as VALUEFIN and User herein after referred to as I/we.
1.    I/we agree that we have completely understood the nature of information that is being shared with VALUEFIN and may further be shared by VALUEFIN to Lenders/related third parties. The information is being shared with our unconditional consent.
2.    I/we shall be responsible for maintaining the confidentiality and security of our account, password, activities that occur in or through our account and for restricting access to our computer to prevent unauthorized access to our account. I/we agree to accept responsibility for all activities that occur under our account or password. 
3.    I/we agree to keep the confidentiality of our account, ID, Password, OTP and other verifications or personal information that I/we have entered into this service. If we let someone else use our Data or we share our Data with others, we will be responsible for all claims, losses and other consequences arising from and relating to all transactions that have taken place using this service, and all activities that have occurred by using you Data Security.
4.    I/we will take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data we provide is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or Mobile application or the Website or Mobile application of third parties or any other technology.
5.    I/we declare that all the particulars and information and details given are true, correct, and up to date in all respects and that we have not withheld any information whatsoever. I give my unconditional consent for submission of the data and use it for further processing. We will check and ensure that all information, content, material or data we have provide on this Website or Mobile application is correct, complete, accurate and not misleading and that we disclose all relevant facts.
6.    I/we agree, accept and give unconditional consent to VALUEFIN to access information and submit data for processing the reports and sharing information, data with other lenders, CICs and related parties.
7.    I/we give unconditional consent to VALUEFIN to access our information and data from the following:
(a)    Use registered mobile number for sending OTP and SMS alerts to me.
(b)    Use UID number details to authenticate for KYC, identity proof, address proof etc.
(c)    Use PAN number details to authenticate with Income Tax Department.
(d)    Use our information for submission to Credit bureaus (like CIBIL and other CICs for getting credit score, credit report and other information.
(e)    Use our information for submission to Central KYC Registry and other authorities, as required
8.    VALUEFIN does not accept any responsibility or liability for any loss or damage user may suffer or incur for any information provided or shared by any business associate(s) or if any information, content, material or data provided by user on this Website or Mobile application is not correct, complete and accurate or if it is misleading or if user fails to disclose the relevant facts. It is users responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about user before user obtain any product or service.
9.    I/we agree that the application and credit report that we generate on this website or the mobile application, is with our unconditional consent and we are completely aware of the purpose of the same. The report or document is made available at a cost as indicated in the website and mobile application at payment gateway and the cost will be non-refundable. In case you do not wish to generate the report you may exit before making payment.
10.    I/we agree that, VALUEFIN shall not be responsible for any incomplete/ defective application form and we will not hold the VALUEFIN is liable, in any manner, for such loss, non-acceptance, refusal or delay.
11.    I/we agree that the submission of generated application and credit Report to any of the financial institutions does not guarantee any acceptance, processing or approval of Loan and it will be at the sole discretion of Lender to accept or process the application. 
12.    I/we unconditionally agree that in case of rejection, refusal, non-acceptance or non-approval or report, the VALUEFIN shall not be held responsible in manner, whatsoever, or required to give any reason.
13.    I/we agree to completely indemnify VALUEFIN and its officers, directors, agents, subsidiaries, joint ventures, and employees harmless from any claims, causes of action, damages, losses, demands, liabilities, recoveries, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys fees arising out of or related to users breach of this Terms and conditions and Privacy Policy or arising out of users violation of any law or the rights of a third party, or to users use/conduct on this Website or Mobile application or any other related application.
14.    Indemnity: I/we agree that, we will be liable to VALUEFIN for any damage, loss, claim, demand, liability or expense that we may suffer or incur arising out of or in connection with our conduct on this Website or Mobile application and/or our user content. VALUEFIN shall not be liable for any errors and misrepresentations or data errors. In the event of a THIRD Party bringing a Claim on VALUEFIN and its affiliates in relation to, or as a consequence of, the use of VALUEFIN services, the I/we shall:
a)    defend and / or assist VALUEFIN and its affiliates in defending, at our own costs, such Claim, either in a legal proceeding or otherwise;
b)    fully indemnify and hold harmless VALUEFIN and its affiliates at all times, against all Losses arising out of or incurred by reason of any breach by the other Party Entities of the terms and conditions or its appointment or its obligations under this Agreement; and
c)    fully indemnify and hold harmless VALUEFIN at all times, against all Losses arising out of or incurred by reason of any infringement of intellectual property rights in connection with the use of the UID and other Identity Authentication Services, irrespective of whether or not the Party incurs any liability in this regard by virtue of any judgment of a court of competent jurisdiction.
15.    I/we agree that the information contained in the Website and Mobile application is being provided as is basis without warranty and guarantee of any kind, either express or implied.16.    I / we are aware that all the forms have to be filled in English language.
17.    I/we completely aware, understand and agree that Loan Seva Kendra, a VALUEFIN initiative is only an online facilitation service to enable user to generate an application and credit report. It does not apply for loan or does not submit any application or guarantee acceptance of application or loan processing or approval, to user of this website and mobile application. I/we understand that the loan application acceptance, processing, approval and sanction remains at the sole discretion of lender. I/we give unconditional consent that VALUEFIN has rights to share report/s, data and information with other lenders, financial institutions or related parties..
18.    I/we agree that any breach any of the terms and conditions and privacy policy, the access to the website /mobile application will be ceased immediately.
19.    VALUEFIN reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms and Conditions and Privacy policy, at any time without any prior written notice to the User. It is the Users responsibility to review these Terms and Conditions and Privacy Policy periodically for any updates/changes at www.loansevakendra.com and www.valuefin.in 
20.    I/we agree to the Terms and Conditions and Privacy Policy and hereby authorize VALUEFIN to Call / SMS for this application and other products/services. This consent will override any registration by me for DNC/NDNC.
21.    Complaints/Grievances: VALUEFIN aims to provide to user best possible service. If user have any complain or grievance or queries, user can inform us about the same by sending email at info@loansevakendra.com or contactus@valuefin.in . VALUEFIN aims to resolve users complaint as soon as possible and respond back to user in reasonable period of time. If user remain dissatisfied with VALUEFINs response or in case of any kind of disputes, differences, controversies relating to or arising out of VALUEFIN products or services or acts or relating to the use of this Website all such disputes, differences and controversies shall be finally, exclusively and conclusively settled by Arbitration in accordance with the Rules of Arbitration under the provisions of Arbitration and Conciliation Act, 1996. The Arbitration shall be conducted in English Language and venue for such arbitration shall be Mumbai, India. The Award of Arbitral Tribunal shall be final and binding on the parties to the dispute. The cost of the Arbitration shall be borne by the respective parties. Kindly read the Terms, Conditions and Privacy periodically, for any updates.
22.    I/we confirm that, I/we have read and understood the above and the terms, conditions and privacy Policy including on that displayed on websites www.loansevakendra.com and www.valuefin.in and hereby accept the same, unconditionally.
I unconditionally agree to the above terms, conditions and privacy policy. In case of any queries please contact us at info@loansevakendra.com

In case you do not agree with any of the above, you may leave or exit the website or mobile application.