Terms of Use

Terms and Conditions of Use for Credit Ghar Pvt Ltd effective as of January 30, 2024

Please carefully read and ensure that you understand these terms and conditions of use before using this site.

All use of Credit Ghar Pvt Ltd’s web pages located within https://www.creditghar.com is subject to the terms and conditions set forth herein below (“Terms”). This Web Site, including all of its features and content (the “Web Site”), is a service made available trading as Credit Ghar (“Provider”), and all content, information, product, services, and software provided on and through this Web Site (“Content”) may be used solely under the following terms and conditions (“Terms of Use”). These terms & conditions are a contract (“Agreement”) between you (“Licensee”, its “Partners”, “Associates”, “Agents”) and Credit Ghar Pvt Ltd (“Licensor”, “we”, “us”), applicable when you use the content, services, products accessible through a website and/or mobile applications (“Credit Ghar Services”).

BY USING THIS WEB SITE, YOU AGREE TO THESE TERMS OF USE, SO IF YOU DO NOT AGREE, DO NOT USE THE WEB SITE.

Privacy:
Please review our Privacy Policy, which also governs your visit to https://www.creditghar.com, to understand our practices.

License Grant:
As a user of this Web Site, you are granted a non-exclusive, non-transferable, revocable, limited license to access and use this Web Site and Content in accordance with these Terms of Use. Provider reserves the right, at its sole discretion, to change, modify, add, remove or terminate this license at any time for any reason. Your continued use of the Web Site following the posting of changes will mean that you accept and agree to the changes.

Intellectual Property Rights – Limitations on Use:
The intellectual property rights in the Web Site and the materials are owned by Credit Ghar Pvt Ltd and/or its affiliates that you acknowledge such ownership. This Web Site is operated by Credit Ghar Pvt Ltd (referred to as “we,” “us,” or “our” herein). No material from Credit Ghar Pvt Ltd may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any manner, except that you may download one copy of the materials on any single computer for your personal use only, provided you keep intact all copyright and other proprietary notices.

For the purposes of these terms, the use of any such material on any other website or networked computer environment is prohibited. All trademarks and trade names are proprietary to Credit Ghar Pvt Ltd.

You agree not to:

Reproduce, duplicate, copy or otherwise use or exploit the material for commercial purposes.
Exhibit any material from the website in public.
Sell, sublicense, redistribute or rent the materials on the website.
Edit or otherwise modify material(s) on the website.
Republish any material from this website, including on another website.
You acknowledge that contravention of the above prohibitions will be violating Credit Ghar Pvt Ltd’s copyright and other proprietary rights. You agree not to conduct data mining or other systematic or automated data collecting activities in relation to this website. You must not use the website for purposes of distributing or otherwise dealing with any malicious computer software. You must not use the website in any way which is illegal, fraudulent, or harmful.

  1. Electronic Communications

When accessing https://www.creditghar.com or corresponding via email with us, you engage in electronic communication. By doing so, you provide your consent to receive communications from Credit Ghar electronically. We will convey information to you through email or by posting notifications on our website. You acknowledge that all agreements, notices, disclosures, and other communications provided electronically comply with legal requirements for written communication.

  1. Services

To utilize Credit Ghar services, you must be capable of forming a binding contract in adherence to local and international laws. Our services are not available to users removed by Credit Ghar for any reason.

I. Subscription

a). Upon payment of the prescribed subscription fee (“license fee”) outlined on https://www.creditghar.com, the user is granted a non-exclusive, limited, non-transferable, worldwide license to access and use Credit Ghar services.

b). Authorized users are allowed to use Credit Ghar services, and subscribers/customers must not share passwords or access to these services unless expressly permitted by Credit Ghar.

c). The provision of Credit Ghar services begins on the effective subscription date and continues until the agreement term concludes.

d). Credit Ghar may, at its sole discretion, terminate the license in case of violation of any conditions, including (a) material breach of the Agreement, (b) non-payment of license fees, and (c) any breach of Access and Usage Restrictions of Credit Ghar.

e). Free trial services are offered to potential subscribers/customers. During the trial period, users are authorized to use one or more Credit Ghar services for a limited time, as determined by Credit Ghar. Trial periods adhere to the same terms and conditions as regular subscriptions.

f). Generally, the license fees paid for the elapsed subscription period are non-refundable. Refer to our Refund/Cancellation policy for detailed information on our practices. The license fees do not cover applicable taxes or duties, which are the sole responsibility of the Licensee.

II. Free Trial Service(s)
Subject to the terms and conditions outlined herein, users are granted a limited, non-exclusive, non-transferable, and worldwide license to utilize Credit Ghar services during the specified free trial period. By accessing and using this website, you indicate your acceptance of these terms and conditions. If you do not agree to any of these terms, please refrain from using the website. Credit Ghar retains the right to terminate this license at its discretion and without prior notice.
6. Not Legal Advice
The content provided on this website is not intended to constitute legal advice, and no solicitor-client relationship is established. Information submitted to this website is not treated as confidential. The accuracy, completeness, adequacy, or currency of the content is not guaranteed. Use of information on this website is at your own risk.
7. Linking to this Website
Users may provide links to the homepage of this website, under the condition that no portion of the homepage, including advertisements, terms of use, proprietary notice, or other notices, is removed or obscured. Users must notify Credit Ghar of such links via email at mailto:[email protected] and cease providing links upon request. For links to specific sections, permission must be sought from Credit Ghar.
8. License of Your Content to Credit Ghar
By uploading or submitting content to this website, you grant Credit Ghar a perpetual, worldwide, royalty-free, irrevocable, non-exclusive right and license, with the right to sublicense, to use, reproduce, modify, adapt, publish, publicly perform, display, translate, create derivative works, and distribute such materials.
9. Solicitation
Users shall not distribute on or through this website any content or material containing advertising, solicitation for goods, services, or funds without express written permission from Credit Ghar. In interactive areas, users may recommend third-party websites, goods, or services without financial interest.
10. Advertisements
This website may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring the accuracy and compliance of their materials with applicable laws. Credit Ghar is not responsible for the legality or accuracy of advertisers’ materials.
11. Orders and Termination
Quotes and Orders: Customer must issue a written purchase order committing to services. Terms conflicting with this agreement are null and void unless expressly agreed in writing by Credit Ghar.
Payment Terms: Fees are due in INR within thirty days of the invoice date. Overdue payments accrue interest. Credit Ghar may suspend services for payments over thirty days past due.
12. Acceptance
Services are deemed accepted upon delivery unless otherwise agreed in writing.
13. Registration
Certain website sections require registration. Users are responsible for maintaining account confidentiality and notifying Credit Ghar of any changes. Each registration is for a single individual.
14. Postings in Interactive Areas
Postings to be Lawful: Users shall not post unlawful or abusive material in interactive areas.
Postings to be in Your Name: Postings must be accompanied by the user’s real name and not posted anonymously.
No Monitoring of Postings: Credit Ghar reserves the right to examine interactive areas for adherence to terms and may remove objectionable materials without prior notice.

  1. Errors
    Creditghar does not represent or warrant that this Website will be error-free, free of viruses or other harmful components, or that defects will be corrected or that it will always be accessible. Creditghar does not warrant or represent that the information available on or through this Website will be correct, accurate, timely, or otherwise reliable. Creditghar may make improvements and/or changes to its features, functionality, or Content at any time.
  2. Third-Party Interactions
    Creditghar service(s) may contain certain content, products, services, and links to other independent third-party websites, applications, or related tools (“Third-Party Materials”). Creditghar shall not be responsible for and assumes no liability for any infringement, mistakes, misstatements of law, defamation, slander, libel, omissions, falsehood, obscenity, pornography, or profanity in the statements, opinions, representations, or any other form of content contained in any third-party content appearing on this Website. You understand that the information and opinions in the third-party content are neither endorsed by nor do they reflect the beliefs of Creditghar.
  3. Lawyer Ethics Notice
    If you are an attorney/lawyer participating in any aspect of this Website, including but not limited to messages, chats, or e-mail forums, you acknowledge that the Bar Council Rules of Professional Conduct in India (“Rules”) apply to all aspects of your participation and that you will abide by these Rules. Creditghar disclaims all responsibility for your compliance with these Rules. You further agree and acknowledge that when you participate in any chat area on this Website, including but not limited to messages, chats, you will not offer legal advice but will only provide general information.
  4. Limited Warranty
    We represent and warrant that we have the right and authority to make the services available pursuant to our agreement with you.

Subject to the aforementioned clause and to the maximum extent permitted by law, the services are provided on an “as is,” “as available” basis and, unless expressly stated to the contrary in this agreement, we exclude all representations, warranties, or guarantees, whether express or implied, by statute, trade, or otherwise, including without limitation that the services and materials are or will be complete or free from errors or that the information will continue to be available to us to enable us to keep the services and materials up-to-date.

Each third-party supplier of materials has the right to assert and enforce these provisions directly on its own behalf as a third-party beneficiary. Except as otherwise provided herein, nothing in this agreement shall be deemed to create any right in any person or entity that is not a party to this agreement.

Subject to the aforementioned clause, it is not intended that any contract between us and the subscriber/customer for the supply of services should be enforceable by any third party.

  1. Limitation of Liability
    Under no circumstances will Creditghar be responsible for any indirect, special, incidental, or consequential damages resulting from the access, use, or malfunction of Creditghar’s services, including but not limited to damage to property, loss of goodwill, computer failure or malfunction, loss of profit, revenue, or for costs or expenses arising from such damage or loss. This limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.
  2. Indemnification
    You agree to indemnify, defend, and hold harmless Creditghar, its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the Website from and against all losses, expenses, damages, and costs, including reasonable lawyer fees, resulting from any violation of these Terms of Use by you.
  3. Third-Party Rights
    The provisions of Limited Warranty, Limitation of Liability, and Indemnification are for the benefit of Creditghar and its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the Website. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.
  4. Unlawful Activity
    Creditghar reserves the right to investigate complaints or reported violations of our Terms of Use and to take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses, and traffic information.
  5. Remedies for Violation
    Creditghar reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including but not limited to the right to block access to the Website. Creditghar may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of the Website or to identify, contact, or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Creditghar’s rights or property, or the rights or property of visitors to or users of the Website. Creditghar reserves the right at all times to disclose any information that it deems necessary to comply with any applicable law, regulation, legal process, or governmental request.
  6. Governing Law
    This Agreement shall be governed by and construed and enforced in accordance with Indian Law.
  7. Arbitration
    For any dispute with Creditghar, you agree to first contact us at [email protected] and attempt to resolve the dispute with us informally. In the unlikely event that Creditghar has not been able to resolve a dispute it has with you after sixty (60) days, we each agree to resolve any claim, dispute, or controversy arising out of or in connection with or relating to this Agreement, or the breach or alleged breach thereof (collectively, “Claims”), by binding arbitration. Any dispute arising out of or in connection with Creditghar, including any question regarding its existence, validity, or termination (each, a “Dispute”), shall be referred to the Delhi International Arbitration Centre and finally resolved by arbitration in accordance with the Delhi International Arbitration Centre (Arbitration Proceedings) Rules (the “DAC Rules”) for the time being in force, which rules are deemed to be incorporated by reference in this clause. The language of the arbitration shall be English. The seat of arbitration shall be New Delhi. The arbitral tribunal shall consist of a sole arbitrator appointed in accordance with the DAC Rules. The arbitrator so appointed: (i) shall be fluent in English; (ii) shall be a licensed and independent legal practitioner; and (iii) should, to the extent practicable, have experience in handling disputes relating to the online information industry. The Parties hereby record their understanding and intent that, in an arbitration conducted in terms of this Clause, the prevailing Party should be entitled to recover from the other Party its reasonable lawyers’ fees and other costs of arbitration, subject to the arbitral award. Where the arbitral award is for the payment of money, the sum for which the award is made shall include interest at the rate of two per cent higher than the current rate of interest (as defined in the Arbitration and Conciliation Act, 1996, as amended) prevalent on the date of the award, for the period from the date on which the cause of action arose and up to the date on which the award is made.
  8. Severability; waiver
    If any provision of this Agreement is held invalid or unenforceable, the remainder of this Agreement will continue in full force and effect. Failure by a party to insist upon performance by the other party of any of its obligations under this Agreement will not constitute a waiver of the right to enforce its rights with respect to the same or any other provision. No waiver of any right or remedy with respect to any occurrence or event shall be deemed a waiver of such right or remedy with respect to such occurrence or event in the future.
  9. Data Policy
    As per the terms and conditions set forth in this Agreement, the subscriber/customer understands that all the information and data displayed on the Website are aggregated by Creditghar and its agents from multiple public sources. This aggregation of public data is conducted through proprietary techniques and/or technologies that Creditghar has developed primarily to conduct its business; and as such, Creditghar reserves all rights over this aggregated data and information.

The subscriber/customer understands that upon termination of the license as set forth in this Agreement, or on the expiry of the subscription term; whichever is earlier, the subscriber/customer will not be able to receive any further information/updates or data or service through Creditghar, or its agents and/or authorized representatives. The subscriber/customer also hereby acknowledges and understands that by discontinuation of services offered by Creditghar, the customer will not be able to utilize the services offered by Creditghar.

  1. Force Majeure
    Creditghar shall not be liable for failure to perform its/their obligations if the failures result from an act of God, an act of Government, other authorities or statutory undertakings, fire, explosion, accident, power failure, equipment or system(s) failure, industrial dispute or anything beyond Creditghar’s control.
  2. Assignment of Terms
    Neither party may assign or transfer this Agreement, by operation of law or otherwise, without the prior written consent of the other party. Any attempt by you to assign or transfer this Agreement, without such consent, will be null, void and of no legal effect. Notwithstanding the foregoing, either party may assign this Agreement to an Affiliate or to an entity acquiring all or substantially all of the assets or business of such party, upon notice to the other party. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns. The term “Affiliate” shall mean, as to a party hereto, any person or entity who directly or indirectly, through one or more intermediaries, controls, is controlled by or is under common control with such party.
  3. Entire Agreement
    This Agreement represents the entire agreement between you and us concerning the subject matter described herein.
  4. Alterations to Terms
    We may amend the Terms at any time by posting the amended terms on this Website. Updated versions of the Terms will appear on this Website and are effective immediately. You are responsible for regularly reviewing the Terms. Continued use of this Site after any such changes constitutes your consent to such changes.

We’d appreciate your questions, concerns, and feedback about this policy. If you have any suggestions for us, feel free to let us know at [email protected].

This Agreement was last modified on January 30, 2024.