Terms and Conditions

These terms and conditions ("Agreement") govern your use of the services provided by Navkar Finovision India Private Limited ("Company", "we", "us", or "our") through our website https://moneyonnavkar.com. By signing up or applying for a loan through our website, you agree to comply with and be bound by this Agreement.

1. Company Information

Company Name: Navkar Finovision India Private Limited

Address: Shop No 1, Ward No. 5, Bhuron ka Bas, Deshnok, Bikaner, Rajasthan, 334801

Toll-Free Number: 1800-202-8381

Email: [email protected]

2. Acceptance of Terms

By accessing or using our services, you agree to be legally bound by this Agreement. If you do not agree to these terms, you must not use our services.

3. Eligibility

To use our services, you must be at least 18 years old and capable of entering into a legally binding contract. You warrant that all information you provide to us is accurate and up-to-date.

4. Account Creation

• When creating an account, you must provide accurate, complete, and up-to-date information as prompted by our registration form.
• You are responsible for maintaining the confidentiality of your account login details and for all activities that occur under your account.
• You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

5. KYC Information

• You agree to provide us with your mobile number, email address, Aadhaar number, PAN number, and any other information required for KYC (Know Your Customer) verification.
• We collect this information solely for KYC purposes and to comply with applicable laws and regulations.
• We will not share, sell, or disclose your personal information to any third parties, except as required by law.

6. Privacy Policy

Our Privacy Policy, which explains how we collect, use, and protect your information, is incorporated into this Agreement by reference. By using our services, you agree to the terms of our Privacy Policy.

7. Data Security

• We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure.
• However, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee the absolute security of your information.
• You are responsible for ensuring that any information you send to us is sent securely.

8. Data Retention

We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law.

9. Use of Services

• You agree to use our services only for lawful purposes and in accordance with this Agreement.
• You must not use our services in any way that could damage, disable, overburden, or impair our servers or networks.
• You must not attempt to gain unauthorized access to any part of our website, accounts, or systems.

10. Loan Application and Approval

• When applying for a loan, you must provide accurate and complete information as requested.
• We reserve the right to approve or reject any loan application at our sole discretion.
• You acknowledge that loan approval is subject to our KYC and credit assessment process.
• Any misrepresentation or false information provided by you may result in the rejection of your loan application.

11. Loan Agreement

• Upon approval of your loan application, you will be required to sign a loan agreement detailing the terms and conditions of the loan.
• The loan agreement will include details such as the loan amount, interest rate, repayment schedule, and any applicable fees.
• By signing the loan agreement, you agree to be bound by its terms.

12. Loan Repayment

• You are required to repay the loan according to the terms set forth in the loan agreement.
• Failure to make timely payments may result in penalties, additional interest, or legal action.
• You agree to notify us immediately if you anticipate any difficulty in making loan repayments.

13. Interest Rates and Fees

• The interest rate and any applicable fees for your loan will be clearly stated in the loan agreement.
• Interest rates may vary based on market conditions, your credit profile, and other factors.
• We reserve the right to change the interest rate or fees at any time, with notice provided to you in accordance with applicable laws.

14. Default and Remedies

• If you default on your loan, we may take any or all of the following actions:
• Demand immediate repayment of the outstanding loan balance.
• Report your default to credit reporting agencies, which may negatively affect your credit score.
• Take legal action to recover the outstanding loan balance, including any accrued interest and fees.
• Assign the loan to a collection agency for recovery.

15. Third-Party Services

• We may use third-party service providers to assist in providing our services, such as payment processing, credit assessment, and data storage.
• By using our services, you consent to our sharing your information with these third-party service providers for the purposes of providing the services.
• We are not responsible for the actions or omissions of any third-party service providers.

16. Intellectual Property

• All content, trademarks, logos, and other intellectual property displayed on our website are the property of Navkar Finovision India Private Limited or its licensors.
• You may not use, reproduce, distribute, or create derivative works from any of our content without our express written permission.

17. Disclaimer of Warranties

• Our services are provided "as is" and "as available" without any warranties of any kind, whether express or implied.
• We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components.
• We do not warrant the accuracy, completeness, or reliability of any information provided through our services.

18. Limitation of Liability

• To the fullest extent permitted by law, Navkar Finovision India Private Limited shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our services.
• Our liability to you for any claim arising out of this Agreement shall be limited to the amount paid by you for the services in question.

19. Indemnification

• You agree to indemnify and hold harmless Navkar Finovision India Private Limited, its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses arising out of your use of our services or your breach of this Agreement.

20. Force Majeure

• We shall not be liable for any delay or failure in performance of our obligations under this Agreement if such delay or failure is caused by events beyond our reasonable control, including but not limited to acts of God, war, terrorism, labor disputes, or governmental actions.

21. Termination

• We may terminate or suspend your account and access to our services at any time, with or without cause, with or without notice.
• Upon termination, your right to use our services will immediately cease.
• Any provisions of this Agreement that by their nature should survive termination will survive termination, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

22. Governing Law

• This Agreement shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.
• Any disputes arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Bikaner, Rajasthan.

23. Dispute Resolution

• In the event of any dispute, controversy, or claim arising out of or relating to this Agreement, the parties shall first attempt to resolve the dispute through good faith negotiation.
• If the dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration in accordance with the Indian Arbitration and Conciliation Act, 1996.
• The arbitration shall be conducted in Bikaner, Rajasthan, and the language of the arbitration shall be English.

24. Severability

• If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
• The invalid or unenforceable provision shall be replaced by a valid and enforceable provision that most closely reflects the intent of the original provision.

25. Entire Agreement

• This Agreement constitutes the entire agreement between you and Navkar Finovision India Private Limited regarding your use of our services and supersedes all prior agreements, understandings, or representations, whether oral or written.

26. Waiver

• The failure of either party to enforce any provision of this Agreement shall not be construed as a waiver of that provision or any other provision of this Agreement.
• Any waiver of a provision of this Agreement must be in writing and signed by the party granting the waiver.

27. Assignment

• You may not assign or transfer your rights or obligations under this Agreement without our prior written consent.
• We may assign or transfer our rights and obligations under this Agreement without your consent.

28. Notices

• All notices required or permitted under this Agreement shall be in writing and shall be delivered to the other party by email, certified mail, or courier service.
• Notices to Navkar Finovision India Private Limited shall be sent to [email protected].
• Notices to you shall be sent to the email address or physical address you provided during registration.

29. Electronic Communications

• By using our services, you consent to receive electronic communications from us, including emails, texts, and notifications.
• These communications may include notices about your account, legal notices, and other information relevant to your use of our services.

30. Modification of Terms

• We reserve the right to modify this Agreement at any time, with or without notice to you.
• Your continued use of our services after any such modification constitutes your acceptance of the modified terms.

31. No Third-Party Beneficiaries

• This Agreement is for the benefit of you and Navkar Finovision India Private Limited and is not intended to benefit any third party or be enforceable by any third party.

32. No Partnership or Agency

• Nothing in this Agreement shall be construed as creating a partnership, joint venture, agency, or employment relationship between you and Navkar Finovision India Private Limited.

33. Intellectual Property Rights Infringement

• If you believe that your intellectual property rights have been infringed by any content on our website, you may submit a notice of infringement to us.
• We will investigate your claim and take appropriate action, which may include removing the infringing content.

34. User-Generated Content

• You may be allowed to submit content, such as comments or feedback, on our website.
• By submitting content, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, modify, distribute, and display your content.
• You are solely responsible for the content you submit and must ensure that it does not infringe the rights of any third party.

35. Compliance with Laws

• You agree to comply with all applicable laws, regulations, and ordinances in connection with your use of our services.

36. Prohibited Activities

• You agree not to engage in any of the following prohibited activities:
• Using our services for any illegal purpose.
• Engaging in any activity that interferes with or disrupts our services or servers.
• Attempting to gain unauthorized access to any part of our website or systems.
• Using our services to send spam, chain letters, or other unsolicited communications.
• Posting or transmitting any content that is defamatory, obscene, or otherwise objectionable.

37. Feedback and Suggestions

• If you provide us with any feedback or suggestions regarding our services, you agree that we may use such feedback or suggestions without any obligation to you.

38. No Guarantees

• We do not guarantee that our services will meet your requirements or expectations.
• We do not guarantee that any information provided through our services is accurate, complete, or up-to-date.

39. Links to Third-Party Websites

• Our website may contain links to third-party websites that are not operated or controlled by us.
• We are not responsible for the content, privacy practices, or policies of any third-party websites.
• Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.

40. Reservation of Rights

• We reserve all rights not expressly granted to you in this Agreement.

41. Monitoring and Enforcement

• We reserve the right to monitor your use of our services to ensure compliance with this Agreement.
• We may take any action we deem necessary or appropriate if we believe that your use of our services violates this Agreement, including but not limited to terminating your account, blocking your access, or reporting your activities to law enforcement authorities.

42. No Resale of Services

• You agree not to reproduce, duplicate, copy, sell, trade, resell, or exploit for any commercial purposes any portion of our services without our prior written consent.

43. Confidentiality

• You agree to keep confidential any non-public information you receive from us or access through our services.
• You may not disclose such information to any third party without our prior written consent.

44. Data Protection

• We are committed to protecting your personal information and complying with applicable data protection laws.
• Our Privacy Policy provides more details on how we collect, use, and protect your information.

45. Security

• We implement reasonable security measures to protect your information from unauthorized access, loss, misuse, or alteration.
• However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

46. Consent to Use of Data

• By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

47. Reporting Violations

• If you become aware of any violation of this Agreement, you agree to immediately report it to us.
• We will investigate your report and take appropriate action, which may include removing the violating content or terminating the offending user’s account.

48. Disclaimer of Warranties

• Our services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.
• We disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

49. Limitation of Liability

• To the fullest extent permitted by law, we shall not be liable for any 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.

50. Headings

• The headings in this Agreement are for convenience only and have no legal or contractual effect.