Terms And Conditions Individuals who are registering themselves at www.cready.in, are authorizing us & our associated Banks/NBFCs partners and advertisers to give them an sms/call/e-mail to offer services for the product they have opted for, providing product knowledge, intimation of promotional offers running on the website & various FINANCIAL offers from associated third parties. And Irrespective of the fact if they have subscribed under DND or DNC service still Cready.in and partnering Banks/NBFCs and advertisers are authorized to give a call/sms/e-mail for the aforesaid purposes.

You hereby consent to Cready being appointed as your authorised representative to receive your Credit Information from Experian/CIBIL/EQUIFAX/CRIF for the purpose of Credit Assessment of the End User to Advise him on the best loan offers (End Use Purpose) or expiry of 6 months from the date the consent is collected; whichever is earlier. You hereby also agree to Terms & Conditions

cready.in ensures that the individual’s loan application is sent to bank which they have opted for, in case or otherwise, the lender/bank will be selected only with the customer’s due consent. All the loan schemes are on discretion with the associated Banks/NBFCs partners and Advertisers. This Privacy Policy covers Cready.in treatment of personally identifiable information that Cready.in collects when people are on the Cready.in site. This policy also covers treatment of any personally identifiable information that Cready.in business partners share with Cready.in. This policy is not applicable to the practices of companies that Cready.in does not own or regulates, or to individuals that Cready.in does not employ or manage.

Cready.in collects personally identifiable information when an individual inputs hie/her information on Loansbazaar site. They can use certain Cready.in products or services, when they visit Cready.in pages, and enter promotions or sweepstakes. Cready.in may also receive personally identifiable business information from our authorized partners.

When individuals attempt to register at Cready.in, they are been asked for their first name, last name, gender, zip/postal code,email, country, time zone, state, city and birth date. Once they get registered with Cready.in and sign in to our services, they will not be anonymous to us.

Also during the registration process, they will be requested to register their mobile numbers and email id, pager, or any other wireless device for communication in order to receive text messages, notifications, and other services. By registration they authorize us to send sms/email alerts to subscribers for their login details and alerts or some advertising messages/emails from us.

If at any time during the service tenure registered individuals wish to stop these sms/email alerts they can write an email to us along with mobile numbers and their mobile number will be deleted from the alerts database.

Cready.in does not provide the guarantee whether the advertisers are good, credible or quality sellers of goods / service providers. People must satisfy themselves about all relevant points prior to availing of the terms of service. Cready.in has not discussed any terms of engagement with any of the listed advertisers. Purchasing of products or services from advertisers shall be at their own risk.

We care about your privacy as much as you do. What it means is:

1. You shall not host, display, upload, modify, publish, transmit, update or share any information that:
   1. Belongs to another person and to which You have no right to.
   2. Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to indecent representation of women within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
   3. Is misleading in any way
   4. Is patently offensive to the online community, such as sexually explicit content, or content that promotes obscenity, pedophilia, racism, bigotry, hatred or physical harm of any kind against any group or individual;
   5. Harasses or advocates harassment of another person;
   6. Involves the transmission of junk mail, chain letters, or unsolicited mass mailing or spamming;
   7. Promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous;
   8. Infringes upon or violates any third party’s rights [(including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person’s name, email address, physical address or phone number) or rights of publicity];
   9. Promotes an illegal or unauthorized copy of another person’s copyrighted work (see Copyright complaint below for instructions on how to lodge a complaint about uploaded copyrighted material), such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files;
   10. Contains restricted or password-only access pages, or hidden pages or images (those not linked to or from another accessible page);
   11. Provides material that exploits people in a sexual, violent or otherwise inappropriate manner or solicits personal information from anyone;
   12. Provides instructional information about illegal activities such as making or buying illegal weapons, violating someone’s privacy, or providing or creating computer viruses;
   13. Contains video, photographs, or images of another person age 18 or older without his or her express written consent and permission or those of any minor (regardless of whether you have consent from the minor or his or her legal guardian).
   14. Tries to gain unauthorized access or exceeds the scope of authorized access (as defined herein and in other applicable Codes of Conduct or End User Access and License Agreements) to the Sites or to profiles, blogs, communities, account information, bulletins, friend request, or other areas of the Sites or solicits passwords or personal identifying information for commercial or unlawful purposes from other users;
   15. Engages in commercial activities and/or sales without Cready.in’s prior written consent such as contests, sweepstakes, barter, advertising and pyramid schemes, or the buying or selling of virtual items related to the Sites. Throughout this Terms of Use, Cready.in prior written consent means a communication coming from Cready.in Legal department, specifically in response to your request, and specifically addressing the activity or conduct for which you seek authorization;
   16. solicits gambling or engages in any gambling activity which Cready.in, in its sole discretion, believes is or could be construed as being illegal;
   17. Interferes with another user’s use and enjoyment of the Cready.in Website or any other individual’s user and enjoyment of similar services;
   18. Refers to any website or URL that, in the sole discretion of Cready.in, contains material that is inappropriate for the Cready.in Website or any other Website, contains content that would be prohibited or violates the letter or spirit of these Terms of Use.
   19. Harm minors in any way;
   20. Infringes any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen items;
   21. Violates any law for the time being in force;
   22. Deceives or misleads the addressee/ users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
   23. Impersonate another person;
   24. Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any Trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
   25. Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.
   26. Shall not be false, inaccurate or misleading;
   27. Shall not, directly or indirectly, offer, attempt to offer, trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force.
   28. Shall not create liability for us or cause us to lose (in whole or in part) the services of our ISPs or other suppliers;
2. You shall not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Website or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Website or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Website. Cready.in reserves the right to bar any such activity.
3. You shall not attempt to gain unauthorized access to any portion or feature of Cready.in website, or any other systems or networks connected to Cready.in Website or to any Cready.in’s server, computer, network, or to any of the services offered on or through Cready.in Website, by hacking, password “mining” or any other illegitimate means.
4. You shall not probe, scan or test the vulnerability of Cready.in website or any network connected to Cready.in website nor breach the security or authentication measures on Cready.in website or any network connected to Cready.in Website. You may not reverse look-up, reverse engineer, trace or seek to trace any information on any other user of or visitor to Cready.in Website, or any other customer of Cready.in, including any Cready.in account not owned by you, to its source, or exploit Cready.in Website or any service or information made available or offered by or through Cready.in Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by Cready.in Website.
5. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of Cready.in Website or Cready.in’s systems or networks, or any systems or networks connected to the Cready.in.
6. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website, or with any other person’s use of the Website.
7. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Cready.in on or through the Website or any service offered on or through the Website. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity
8. You may not use the Website or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of Cready.in or others.
9. Solely to enable Cready.in to use the information you supply us with, so that we are not violating any rights you might have in Your Information, you agree to grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise the copyright, publicity, database rights or any other rights you have in Your Information, in any media now known or not currently known, with respect to Your Information. Cready.in will only use Your Information in accordance with the terms of use and Cready.in’s Privacy Policy.
10. You shall not engage in advertising to, or solicitation of, other users of Cready.in to buy or sell any products or services, including, but not limited to, products or services related being displayed on Cready.in or related to Cready.in. You may not transmit any chain letters or unsolicited commercial or junk email to other users via Cready.in. It shall be a violation of these Terms of Use to use any information obtained from Cready.in in order to harass, abuse, or harm another person, or in order to contact, advertise to, solicit, or sell to another person outside of the Cready.in without Cready.in’s prior explicit consent. In order to protect our users from such advertising or solicitation, Cready.in reserves the right to restrict the number of messages or emails which a user may send to other users in any 24-hour period which Cready.in deems appropriate in its sole discretion.12. You understand that Cready.in has the right at all times to disclose any information (including the identity of the persons providing information or materials on the Cready.in Website) as necessary to satisfy any law, regulation or valid governmental request. This may include, without limitation, disclosure of the information in connection with investigation of alleged illegal activity or solicitation of illegal activity or in response to a lawful court order or subpoena. In addition, we can (and you hereby expressly authorize us to) disclose any information about you to law enforcement or other government officials, as we, in our sole discretion, believe necessary or appropriate in connection with the investigation and/or resolution of possible crimes, especially those that may involve personal injury.
11. Cready.in reserves the right, but has no obligation, to monitor the materials posted on Cready.in website. Cready.in shall have the right to remove or edit any Content that in its sole discretion violates, or is alleged to violate, any applicable law or either the spirit or letter of these Terms of Use. Notwithstanding this right of Cready.in, YOU REMAIN SOLELY RESPONSIBLE FOR THE CONTENT OF THE MATERIALS YOU POST ON THE Cready.in WEBSITE AND IN YOUR PRIVATE MESSAGES. Please be advised that such Content posted does not necessarily reflect the views of Cready.in. In no event shall Cready.in assume or have any responsibility or liability for any Content posted or for any claims, damages or losses resulting from use of Content and/or appearance of Content on Cready.in. You hereby represent and warrant that you have all necessary rights in and to all Content you provide and all information it contains and that such Content shall not infringe any proprietary or other rights of third parties or contain any libelous, tortuous, or otherwise unlawful information.
12. Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through Cready.in, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. Cready.in shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on Cready.in.
13. It is possible that other users (including unauthorized users or “hackers”) may post or transmit offensive or obscene materials on Cready.in and that you may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about you due to your use of Cready.in, and that the recipient may use such information to harass or injure you. Cready.in does not approve of such unauthorized uses but by using the Cready.in Website you acknowledge and agree that Cready.in is not responsible for the use of any personal information that you publicly disclose or share with others on Cready.in. Please carefully select the type of information that you publicly disclose or share with others on Cready.in.
14. Cready.in shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of People, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).

    Contents Posted on Site

    All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Cready.in is owned, controlled or licensed by or to Cready.in, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. Except as expressly provided in these Terms of Use, no part of the Cready.in and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Cready.in’s express prior written consent. You may use information on Cready.in products and services purposely made available by Cready.in for downloading from the Site, provided that you

    1. Not remove any proprietary notice language in all copies of such documents,
    2. Use such information only for your personal, non-commercial informational purpose and do not copy or post such information on any networked computer or broadcast it in any media.
    3. Make no modifications to any such information, and
    4. Not make any additional representations or warranties relating to such documents.

    You shall be responsible for any notes, messages, e-mails, billboard postings, photos, drawings, profiles, opinions, ideas, images, videos, audio files or other materials or information posted or transmitted to the Sites (collectively, Content). Such Content will become the property of Cready.in and you grant Cready.in the worldwide, perpetual and transferable rights in such Content. Cready.in shall be entitled to, consistent with our Privacy Policy, use the Content or any of its elements for any type of use forever, including but not limited to promotional and advertising purposes and in any media whether now known or hereafter devised, including the creation of derivative works that may include Content you provide. You agree that any Content you post may be used by Cready.in, consistent with our Privacy Policy and Rules of Conduct on Site as mentioned herein, and you are not entitled to any payment or other compensation for such use.

    Other Businesses

    Cready.in does not take responsibility or liability for the actions, products, content and services on Cready.in website, which are linked to Affiliates and / or third party websites using Cready.in APIs or otherwise. In addition, Cready.in may provide links to the third party websites of affiliated companies and certain other businesses for which, Cready.in assumes no responsibility for examining or evaluating the products and services offered by them, and Cready.in does not warrant the offerings of, any of these businesses or individuals or the content of such third party website(s). Cready.in does not in any way endorse any third party website(s) or content thereof.

    Links

    Cready.in welcomes links to this site. You may establish a hypertext link to Cready.in website, provided that the link does not state or imply any sponsorship or endorsement of your site by Cready.in. You must not use on your site or in any other manner any trademarks, service marks or any other materials appearing on the Cready.in, including any logos or characters, without the express written consent of Cready.in and the owner of the mark or materials. You must not frame or otherwise incorporate into another third party website or present in conjunction with or juxtaposed against such a website any of the content or other materials on the Cready.in website without Cready.in’s prior written consent.

    Privacy

    We view protection of Your privacy as a very important principle. We understand clearly that you and Your Personal Information is one of our most important assets. We store and process Your Information on computers that may be protected by physical as well as reasonable technological security measures. If you object to your Information being transferred or used in this way please do not use Cready.in Website.

    Disclaimer Of Warranties And Liability

    This website, all the materials and products (including but not limited to software) and services, included on or otherwise made available to you through this site are provided on Cready.in on “as is” and “as available” basis without any representation or warranties, express or implied except otherwise specified in writing. Without prejudice to the forgoing paragraph, Cready.in does not warrant that:

    A. This website will be constantly available, or available at all; or

    B. The information on this website is complete, true, accurate or non-misleading.

    Cready.in will not be liable to you in any way or in relation to the contents of, or use of, or otherwise in connection with, Cready.in website. Cready.in does not warrant that this site; information, content, materials, product (including software) or services included on or otherwise made available to you through Cready.in website; their servers; or electronic communication sent from Cready.in are free of viruses or other harmful components. Nothing on Cready.in constitutes, or is meant to constitute, advice of any kind. You will be required to enter a valid phone number while placing an order on Cready.in. By registering your phone number with us, you consent to be contacted by Cready.in via phone calls and / or SMS notifications, in case of any order or shipment or delivery related updates. Cready.in will not use your personal information to initiate any promotional phone calls or SMS.

    Payment

    While availing any of the payment method/s offered at Cready.in, Cready.in will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to you due to:

    1. Lack of authorization for any transaction/s, or
    2. Exceeding the preset limit mutually agreed by you and between your Bank/s, or
    3. Any payment issues arising out of the transaction, or
    4. Decline of transaction for any other reason/s.Any payment issues arising out of the transaction, or

    All payments made against the purchases/services on Cready.in by you shall be compulsorily in Indian Rupees acceptable by the Union of India. Cready.in does not accept any other form of currency with respect to the purchases made on Cready.in.

    Cancellation of order

    Cready.in reserves the right to cancel any order without any explanation for doing so, under situation where Cready.in is not able to meet the requirement of the order placed or order so placed/cancelled does not comply with the Cready.in policy or for any other reason. However, Cready.in will ensure that any communication of cancellation of an order, so cancelled, is intimated within appropriate time to the concerned person and any applicable refund, will be made in reasonable time.

    Refund of payment

    Cready.in will refund the payment made by the users in a case it is unable to process the order. Refund will not be made if such inability arises out of:

    1. User changing his/her mind after Cready.in has made efforts towards fulfillment of the order.
    2. Incomplete or incorrect information provided by the user.

    No refunds would be made after a switch has been completed.

    Breach

    Without limiting other remedies, Cready.in may limit your activity, immediately remove your information, warn other Users of your actions, immediately temporarily/indefinitely suspend or terminate or block your membership, and/or refuse to provide you with access to the Cready.in website in the event, but not limited to:

    1. If you breach the Terms of Use or Privacy Policy or other rules and policies, if any;
    2. If Cready.in is unable to verify or authenticate any information you provide; or
    3. If it is believed that your actions may cause legal liability for you, other Users or Cready.in. Cready.in may at any time at its sole discretion reinstate suspended Users. A User that has been suspended or blocked may not register or attempt to register with Cready.in or use Cready.in Website in any manner whatsoever until such time that such User is reinstated by Cready.in. Notwithstanding the foregoing, if you breach the Terms of Use or Privacy Policy or other ruler and policies, Cready.in reserves the right to recover any amounts due and owing by you to Cready.in and to take strict legal action including but not limited to a referral to the appropriate police or other authorities for initiating criminal or other proceedings against you.

    Indemnity

    You shall indemnify and hold harmless Cready.in, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys fees, made by any third party or penalty imposed due to or arising out of your breach of this Terms of Use, privacy Policy and other Policies, or your violation of any law, rules or regulations or the rights of a third party.

    Applicable Law

    This Agreement shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall be exclusively in Mumbai.

    Jurisdictional Issues/Sale in India Only

    Unless otherwise specified, the material on Cready.in is presented solely for the purpose of sale in India. Cready.in makes no representation that materials in Cready.in are appropriate or available for use in other locations/Countries other than India. Those who choose to access this site from other locations/Countries other than India do so on their own initiative and Cready.in is not responsible for compliance with local laws, if and to the extent local laws are applicable.

    Trademark, Copyright and Restriction

    This site is controlled and operated by Cready.in. All material on this site, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights that are owned and controlled by us or by other parties that have licensed their material to us. Material on Cready.in web site owned, operated, licensed or controlled by us is solely for your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by e-mail or other electronic means and whether directly or indirectly and you must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other web site or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited. Any use for which you receive any remuneration, whether in money or otherwise, is a commercial use for the purposes of this clause.

    Copyright complaint

    We at Cready.in respect the intellectual property of others. In case you feel that your work has been copied in a way that constitutes copyright infringement you can write to us at legal@Cready.in.in.

    Product Description

    Cready.in.in tries to be as accurate as possible. However, Cready.in does not warrant that product description or other content of this site is accurate, complete, reliable, current, or error-free.

    Limitation of Liability

    IN NO EVENT SHALL Cready.in BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THIS AGREEMENT, EVEN IF Cready.in HAS BEEN INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

    Our Contact

    Please send any questions or comments (including all inquiries unrelated to copyright infringement) regarding this Site to Customercare@Cready.in

    Lending Partner - Grievance Redressal

    1. MCAPITAL
    2. Our Website: https://www.mcapital.co.in/#/homeLevel
    3. Our Nodal Officer: Mr. Neeraj Komath - neeraj.komath@mcapital.co.in

    Tata Capital Housing Finance Limited

    1. Level 1: To redress their grievances, applicants/borrowers may write into customercare.housing@tatacapital.com or call on customer care no. 1860 267 6060. You will receive an acknowledgment/response within 7 days.
    2. Level 2: If you are not satisfied with the resolution provided to you, we request you to contact Head – Customer Service at customerservice.head@tatacapital.com. You will receive a response within 4 business days.
    3. Level 3: If you are not satisfied with the resolution provided to you, we request you to contact the Managing Director at mdtchfl@tatacapital.com. You will receive a response within 3 business days.
    4. Level 4: In case you do not receive a response from us within a period of one month or are dissatisfied with the response received after following all the above steps, you can approach the regulatory authority of Housing Finance Companies- the National Housing Bank- at the address given below:
    5. The Officer-in Charge, National Housing Bank Complaint Redressal Cell Department of Supervision National Housing Bank, 4 th Floor, Core-5A, India Habitat Centre, Lodhi Road, New Delhi 110 003. Website: www.nhb.org.in
       Please feel free to reach our Nodal officer-Mr. Ajai Shukla at the below mentioned details in case you are not satisfied with the response received post your escalation to level 2.
       Mr. Ajai Shukla,
       Nodal officer-Tata Capital Housing Finance Limited
       Address: 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai – 400013 Contact detail: 1860 267 6060