Terms

Single Line Registration:- I/ We agree to Register on Loans4SME, I/We accept all the terms and condition as mention below

AUP

This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and AUP for access or usage of this website.

Introduction.

Welcome to Loans4SME. These are the terms and conditions governing your use of the this website (herein after referred to as “Acceptable Use Policy” or “AUP”). By accessing Loans4SME either through the Website or any other electronic device, You acknowledge, accept and agree to the following terms of the AUP, which are designed to make sure that Loans4SME works for everyone [individual , Group of persons or company or firm]. This AUP is effective from the time you log in to Loans4SME. By accepting this AUP, You are also accepting and agreeing to be bound by the Privacy Policy.

The domain name www.loan4sme.com (hereinafter referred to as “Website”) is owned by Aurus Lending Solutions Private Limited, a company incorporated under the Companies Act, 2013 with its registered office at B-703/704 Dosti Elite, Sion East, Mumbai 400022 (hereinafter referred to as “Loans4SME”).

For the purpose of these AUP, wherever the context so requires “You” or “User” shall mean any natural or legal person who has agreed to become a Borrower on the Website by providing Registration Data while registering on the Website as Registered User using the computer systems. Loans4SME allows the User to use the website without registering on the Website. The term “We”, “Us”, “Our” shall mean Aurus Lending Solutions Private Limited i.e. Loans4SME.

  1. Using Loans4SME.

You agree and understand that www.loans4sme.com is an internet enabled electronic platform that facilitates loans to small businesses (“Borrowers”). These loans are offered by individuals/institutional persons (“Lenders”). We recommend that you read our safety tips before doing any activity on our site. If you transact on the Website, You shall be subject to the policies that are applicable to the Website for such transaction. By mere use of the Website, You shall be contracting with and these terms and conditions including the policies constitute your binding obligations, with Loans4SME.

While making use of Website and other services such as the discussion forums, comments and feedback and other services interalia, You will post in the appropriate category or area and You agree that Your use of the Website shall be strictly governed by this AUP including the rules, guidelines, policies, terms, and conditions applicable for listing of Your content or comment and to such services as may be used by You which shall not violate the prohibited and restricted items policy (herein after referred to as the “Listing Policy”.) The Listing Policy shall be read as part of this AUP and is incorporated in this AUP by way of reference and shall be considered as part and parcel of this AUP.

We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these AUP, at any time without any prior written notice to You. It is Your responsibility to review these AUP periodically for updates / changes. Your continued use of the Website following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these AUP, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Website.

Using the Website indicates Your agreement to all the terms and conditions under these terms of use, so please read the AUP carefully before proceeding. By impliedly or expressly accepting these AUP, You also accept and agree to be bound by Loans4SME Policies (including but not limited to Privacy Policy) as amended from time to time.

  1. “Your Information”is defined as any information You provide to us or other users of the Website during the registration o, transacting process.
  2. You agree that Your Information:

If You use the Website, You are responsible for maintaining the confidentiality of Your user ID, password, email address and for restricting access to Your computer, computer system, computer network, and You are responsible for all activities that occur under Your user ID and password. You agree that if You provide any information that is untrue, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with this AUP, We shall have the right to indefinitely suspend or terminate or block access of on the Website and refuse to provide You access to the Website.

  1. Other terms
  • 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 in any way reproduce or circumvent the navigational structure or presentation of the Website or any content, to obtain or attempt to obtain information through any means not purposely made available through the Website. We reserve our right to bar any such activity.
  • You shall not attempt to gain unauthorized access to any portion of the Website, or any other systems or networks connected to the Website or to any server, computer, network, or to any of the services offered on or through the Website, by hacking, password “mining” or any other illegitimate means.
  • You shall not probe, scan or test the vulnerability of the Website or any network connected to the Website nor breach the security or authentication measures on the Website or any network connected to the Website. You may not reverse look-up, trace or seek to trace any information on any other User of Website, or exploit the Website or any service or information made available or offered by or through the 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 the Website.
  • 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.
  • You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal You send to Us 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.
  • You may not use the Website or any content for any purpose that is unlawful or prohibited by these AUP, or to solicit the performance of any illegal activity or other activity which infringes the rights ofLoans4SME, and / or others.

We reserve the right, but have no obligation, to monitor the materials posted on the Website. Loans4SME 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 AUP. In no event shall Loans4SME, assume or have any responsibility or liability for from use of content on the Website.

  1. Eligibility

Use of www.loan4sme.com, is available only to companies/firms and persons, who are incorporated or citizens of the Republic of India, who are 18 yrs of age and above and persons who can enter into a legally binding contract under Indian Contract Act, 1872, and or are not barred by any law for the time being in force. Persons who are “incompetent to contract” within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website. If You access Loans4SME, not as an individual but on behalf of a legal entity, You represent that You are fully authorized to do so. Loans4SMEreserves the right to refuse to provide You with access to the Website if it is brought to Loans4SME’s notice or if it is discovered that You are in breach of this provision of AUP.

  1. Abuse of Loans4SME

We reserve the right to limit or terminate our services and further take all reasonable technical and legal steps to prevent the misuse of the Website in keeping with the letter and spirit of this AUP. In the event You encounter any problems with the use of our site or services You are requested to report the problem by clicking on this link info@loans4sme.com

  1. Violations by User

You agree that in the event Your information violates any provision of this AUP or the listing policy, we shall have the right to refuse to provide You or any person acting on Your behalf, access to the Website.

  1. Transactions and Communications on Website

We provide an independent online service which enables you to purchase products or services provided by third parties whilst using this Website. You are responsible for obtaining access to this Website, and that access may involve third-party fees (such as Internet service provider or airtime charges).

We receive a fee and/or commission from the third party product or service providers when you use our service to purchase products or services from them.

We also provide an independent service which enables you to obtain advice and assistance offline (for example – by calling on the Toll Free Number provided by this Website) after using this Website either from us or from a third party advisor in connection with certain financial and other products or services. We do not charge you any fees or commissions for this service, however, we may collect fees and/or charges from you for certain specialized services or in case of certain special certain circumstances or otherwise, for which we will keep you informed well before collecting such fees and/or charges.

By making use of this Website and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the services that you have selected. You hereby agree that Loans4SME may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfill your demand. You also agree that Loans4SME reserves the right to make your details available to any of our authorized members/ agents or partners and you may be contacted by them for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Loans4SME through email or sms. If you disagree with this AUP, please do not use this website.

Please be aware that information provided on this Website is provided for general information purposes only. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website, we suggest that you seek independent professional advice before you obtain any product or service via this Website.

From time to time, this website may also include links to other websites. These links are provided for your convenience to provide you with further information. We do not hold ourselves responsible for the content or accuracy or adequacy reliability of the linked website(s).

This Web Site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Website is accurate and complies with applicable laws. We will not be responsible for the illegality of or any error or inaccuracy in advertisers’ or sponsors’ materials.

Please be aware that nothing on this Website is, or shall be deemed to constitute, an offer by us or any third party to sell to you any product or service or to enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted. You will receive confirmation when your offer has been accepted.

We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.

We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice from time to time.

  1. Charges

You are responsible for obtaining access to this Website, and that access may involve third-party fees (such as Internet service provider or airtime charges). We receive a fee and/or commission from the third party product or service providers when you use our service to purchase products or services from them.

We also provide an independent service which enables you to obtain assistance offline (for example – by calling on the Toll Free Number provided by this Website) after using this Website either from us or from a third party advisor in connection with certain financial and other products or services. We do not charge you any fees or commissions for this service, however, we may collect minimum fees and/or charges from you for certain specialized services or in case of certain special certain circumstances or otherwise, for which we will keep you informed well before collecting such fees and/or charges.

We may pass your card details and personal details, as necessary, to the relevant third party, who may take payment for the product or service in accordance with its terms and conditions. We reserve the right to charge you any handling fees that we or the relevant third party may incur in respect of your application. You will be informed of any such charges before they are incurred.

Changes to the Fee Policy shall be posted on the Website and such changes shall automatically become effective immediately after they are posted on the Website. Unless otherwise stated, all fees shall be quoted in Indian Rupees. You shall be solely responsible for compliance of all applicable laws including those in India for making payments to Loans4SME.

  1. Content

The Website contains content which includes Your Information, Loans4SME’s information and information from other users. You agree not to copy, modify, or distribute such content (other than Your Information), Loan4SME’s copyrights or trademarks.

Except as expressly provided in these AUP, no part of the Website 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 Loans4SME’s express prior written consent.

You may use information on the services purposely made available on the Website for downloading, provided that You 1. do 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 4. do not make any additional representations or warranties relating to such documents.

  1. Disclaimer of Warranties and Liability

This Website, all the services, included on or otherwise made available to You through this site are provided 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, Loans4SME does not warrant that:

  • This Website will be constantly available, or available at all; or
  • The information on this Website is complete, true, accurate or non-misleading.

Loans4SME will not be liable to You in any way or in relation to the Contents of, or use of, or otherwise in connection with, the Website. Loans4SME does not warrant that this site; information, Content, or services made available to You through the Website; servers; or electronic communication sent from Us are free of viruses or other harmful components.

Nothing on Website constitutes, or is meant to constitute, advice of any kind.

You agree not to hold www.loans4sme.com or any of its officers, employees, agents responsible or accountable for any of Your information and nor shall we, our officers, employees or agents be liable for any misuse, illegal activity nor are we in a position to have editorial control over the substance or content contained in the information, save and except to the extent provided in sec 3 above.

You understand and agree that, We do not guarantee the accuracy or legitimacy of any information by other users. You further agree that we are not liable for any loss of money, or any special, indirect, or consequential damages arising out of Your use of the site or as a result of any services with other users of the site. We also cannot guarantee continuous or secure access to our Services. Accordingly, to the extent legally permitted we exclude all implied warranties, of merchantability, fitness or quality of the Website and our services.

You will be required to enter a valid phone number while registering on the Website. By registering Your phone number with us, You consent to be contacted by Us via phone calls and/or SMS notifications, in case of any order or shipment or delivery related updates. We will not use Your personal information to initiate any promotional phone calls or SMS.

  1. Personal Information

By using Loans4SME, You agree to the collection, transfer, storage and use of any personal information provided by You on the Website by Loans4SME. The data is stored and controlled on servers in India as further described in our Privacy Policy. You also agree to receive marketing communications from us unless You specifically indicate otherwise in writing to us through support mail. You may send questions about this policy to contact@loans4sme.com

  1. General

We may update this AUP or the listing policy at any time and may notify You of such updates via a post on the boards and /or through email communications. The modified AUP and /or Listing Policy shall come into effect either at the time You place Your next information on the Website. If we or our corporate affiliates are involved in a merger or acquisition, we may share personal information with another company, but this AUP shall continue to apply.

  1. Third Party Content and Services

Loans4SME may provide, on its site, links to sites operated by other entities. If the User decides to view another site, they shall do so at their own risk, subject to that site’s terms and conditions of use and privacy policy that may be different from those of this site. It is the user’s responsibility to take all protective measures to guard against viruses or other destructive elements they may encounter on these sites. Loans4SMEmakes no warranty or representation regarding, and does not endorse any linked website or the information appearing thereon or any of the services described thereon.

  1. Indemnity

The User should agree to indemnify and hold Loans4SME, its officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers and employees, harmless from any claim or demand, including reasonable attorney fees and court costs, made by any third party due to or arising out of users use of the service, violation of the AUP, breach by the User of any of the representations and warranties herein, or user’s violation of any rights of another (including infringement of intellectual property rights) of a third party or Your violation of any law, rules or regulations or the rights.

  1. Governing Law & Jurisdiction

This AUP and the Listing Policy shall be governed and construed in accordance with the laws of the Republic of India and the courts at Mumbai shall have exclusive jurisdiction on all matters and disputes arising out of and relating to the Website

Unless otherwise specified, the services on the Website is presented solely for the purpose of sale in India. Loans4SME makes no representation that services available on the Website 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 Loans4SME is not responsible for supply of services from other locations/Countries other than India, compliance with local laws, if and to the extent local laws are applicable.

  1. Trademark, Copyright and Restriction

This site is controlled and operated by Loans4SME. All material on this site, including the design, layout, look, appearance and graphics, are protected by copyrights, trademarks, and other intellectual property rights. Material on Website 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 email 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 website 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.

Trademark complaint

Loans4SMErespects the intellectual property of others. In case You feel that Your Trademark has been infringed, You can write to Loans4SME at contact@loans4sme.com

  1. Product Description

Loans4SME does not warrant that content of this Website is accurate, complete, reliable, current, or error-free and assumes no liability in this regard.

  1. Limitation of Liability

In no event shall Loans4SME be liable for any special, incidental, indirect or consequential damages of any kind in connection with these terms of use, even if user has been informed in advance of the possibility of such damages.

  1. Payment

You agree to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on this Website from time to time.

Payment methods other than those as stated on this Website will not be accepted. We may pass your card details and personal details, as necessary, to the relevant third party, who may take payment for the product or service in accordance with its terms and conditions. We reserve the right to charge you any handling fees that we or the relevant third party may incur in respect of your application. You will be informed of any such charges before they are incurred.

Payment for products or services should be made to the relevant third party’s website when applying for the products or services directly from any third party.

All payments made against the purchases/services on Website by You shall be compulsorily in Indian Rupees acceptable in the Republic of India. Website will not facilitate transaction with respect to any other form of currency with respect to the purchases made on Website.

Loans4SME reserves the right to refuse to process Transactions by Borrowers with a prior history of questionable charges including breach/violation of any law or any charges or breach of any policy.

Loans4SME will not be liable for any damages, interests or claims etc. resulting from not processing a Transaction/Transaction Price or any delay in processing a Transaction/Transaction Price which is beyond control of Loans4SME.

  1. Compliance with Laws:

Borrowers and Lenders shall comply with all the applicable laws (including without limitation Foreign Exchange Management Act, 1999 and the rules made and notifications issued there under and the Exchange Control Manual as may be issued by Reserve Bank of India from time to time, Customs Act, Information and Technology Act, 2000 as amended by the Information Technology (Amendment) Act 2008, Prevention of Money Laundering Act, 2002 and the rules made there under, Foreign Contribution Regulation Act, 1976 and the rules made there under, Income Tax Act, 1961 and the rules made there under, Export Import Policy of government of India) applicable to them respectively for using Loans4SME Website.

  1. Disputes (Resolutions) Policy

Your use of this website and any dispute arising out of such use of the website is subject to the laws of India and exclusive jurisdiction of the courts of Mumbai.

  1. Privacy Policy

This privacy policy describes how we handle Your personal information. We collect and use, personal information to help the Loans4SME Website work and to keep it safe (details below). In formal terms, Aurus Lending Solutions Private Limited is the “data controller” of Your personal information. This policy is effective April 1, 2016.

  1. Use

We use users’ personal information to:

  • provide our services: effect payment
  • encourage safe trading and enforce our policies

Unauthorised use of Loans4SME website may give rise to a claim for damages and criminal offence against person attempting unauthorised use.

  1. Disclosure.
  • All information contained by Loans4SME is treated as strictly confidential and Loans4SME does not and will not disclose or share such confidential information to / with any external organization except demanded by Government of India
  • The users’ privacy is very important to us. We do not and shall not at any point in time, either sell or rent users’ personal information to third parties without users’ explicit consent
  • We may be required from time to time to disclose users’ personal information to Governmental or law enforcing agencies or our regulators, but we will only do so under proper authority
  • Loans4SME also reserves the right to make use of the personal information in any investigation or judicial process relating to fraud on account of such transactions during the period Loans4SME retains such information
  • We may also disclose personal information to enforce our policies. We may also share personal information with:
    • Corporate affiliates who help detect or prevent potentially illegal acts and provide joint services (Our corporate affiliates will market only to users who ask them to)
    • Service providers who help with our business operations

Access, Modification, and Deletion. You can modify or erase Your personal information by reviewing account status page. Contact customer support at contact@loans4sme.com, to review any personal information we store that is not available on Loans4SME. There may be a charge associated with such requests but these will not exceed the amounts permitted by law. We delete personal information when we no longer need it for the purposes we described earlier. We retain personal information as permitted by law to resolve disputes, enforce our policies.

Data Security. We use a mechanism (We encrypt certain sensitive information using Secure Socket Layer (SSL) technology) ) to protect the security and integrity of Your personal information against unauthorized access and disclosure. Unfortunately, no data transmission over the internet can be guaranteed to be completely secure. So while we strive to protect such information, we cannot ensure or warrant the security of any information You transmit to us and You do so at Your own risk. Once any personal information comes into our possession, we will take reasonable steps to protect that information from misuse and loss and from unauthorized access, modification or disclosure.

Confidentiality of Information. Users agree and accept that the terms of the Privacy Policy will be applicable to the use of all features, existing and new. We may update, upgrade, modify (partially &/or fully) this policy at any time,. If we or our corporate affiliates are involved in a merger or acquisition, we may share personal information with another company, but this policy will continue to apply. Send questions about this policy to contact@loans4sme.com

  1. Grievances

In the interest of keeping the process easy and simple, after we receive your first Notice of Infringement in hard copy, future notices can be sent to Us by email at contact@loans4sme.com.

Note: In your notice of infringement, you shall be required to identify the individual which is using your personal information. General notices shall not be accepted.

We are happy to receive such information, but must advise that we may be limited in Our ability to respond to your request absent formal notice.

Notice of Infringement

Aurus Lending Solutions Private Limited

_______________________ _______________________

I, [name] ____________________________ of [address] _________________________ do solemnly and sincerely declare as follows:

  1. I am the owner of certain intellectual property rights, said owner being named __________________ (“IP Owner”).
  2. I have a good faith belief that the item identified in the annexure attached hereto are not authorised by the above IP Owner, its agent, or the law and therefore infringe the IP Owner’s rights. Please expeditiously remove or disable access to the material or products claimed to be infringing.
  3. I may be contacted at:

Name ___________________________________________________________

Title & Company ________________________________________________________

Address _________________________________________________________

Email (correspondence) ___________________________________________________

Telephone/Fax _____________________________________________________________

Date _________________________________________________________________ and I make this declaration conscientiously believing it to be true and correct.

Declared by ______________________________ on [date] ___________________________________ in [place]________

Truthfully,
Signature

Addendum to Notice of Infringement:

List of Allegedly Infringing Materials

Copyright-item infringement

  • 5. Software is being offered without any license or in violation of a license
  • 6. Item(s) is an unlawful copy;
  • 8. Item(s) is unlawful duplication of printed material
  • Copyright-listing content infringement
  • 9. Listing(s) comprises unauthorized copy of copyrighted text
  • 10. Listing(s) comprises unauthorized copy of copyrighted image
  • 11. Listing(s) comprises unauthorized copy of copyrighted image and text
  • Reason Code: _____________________________________________________________
  • Work(s)
  • infringed: _________________________________________________________
  • Item Number(s): ___________________________________________________________
  • Note: 1. Please provide the evidence as to the ownership of copyright.

All such Notices of Infringement shall be sent to contact@loans4sme.com .

Grievances Officer:

In case of any complaints or disputes with references to the contents on the Website you can contact the below mentioned Grievance Officer:

Simmi Sareen, CEO

simmi@loans4sme.com

 

Privacy policy

We value the trust you place in us. That’s why we insist upon the highest standards for secure transactions and customer information privacy. Please read the following statement to learn about our information gathering and dissemination practices.

Note: Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically.

By visiting this Website you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree please do not use or access our Website.

By mere use of the Website, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and to be read with the Terms of Use.

1. Collection of Personally Identifiable Information and other Information

When you use our Website, We collect and store your personal information which is provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose.

If you choose to buy on the Website, we collect information about your buying behaviour.If you transact with us, we collect some additional information, such as a billing address, a credit / debit card number and a credit / debit card expiration date and/ or other payment instrument details and tracking information from cheques or money orders.

If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specific to you.

We collect personally identifiable information (email address, name, phone number, credit card / debit card / other payment instrument details, etc.) from you when you set up a free account with us. While you can browse some sections of our Website without being a registered member, certain activities (such as placing an order) do require registration. We do use your contact information to send you offers based on your previous orders and your interests.

2. Use of Demographic / Profile Data / Your Information

We use personal information to provide the services you request. To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses. We use your personal information to resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products and services, inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.

In our efforts to continually improve our product and service offerings, we collect and analyse demographic and profile data about our users’ activity on our Website.

We identify and use your IP address to help diagnose problems with our server, and to administer our Website. Your IP address is also used to help identify you and to gather broad demographic information.

We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our Website, providing you with content that we think you might be interested in and to display content according to your preferences.

3. Cookies

“Cookies” are information stored by your browser on your computer when allowed. Use of cookies in our website is similar to other online marketplaces. These are used to enhance your experience with our Website. We use cookies to help us identify who you are, so your login experience is smooth each time. Cookies also allow us to collect Non-Personally Identifiable Information from you, like which pages you visited and what links you clicked on. Use of this information helps us to create a more user-friendly experience for all visitors. In addition, we may use Third Party Advertising Companies to display advertisements on our Website. Most browsers automatically accept cookies, but you may be able to modify your browser settings to decline cookies. Please note that if you decline or delete these cookies, some parts of the Website may not work properly.

4. Sharing of personal information

Disclosure to the Government and other judicial bodies as required under the law in order to comply with the legal obligations (without the prior permission of customers). In the event of merger, amalgamation or acquisition, the data provided to us will be transferred to the third party as the sale may include your personal information.

5. Links to Other Sites

Our Website links to other websites that may collect personally identifiable information about you. Loans4SME is not responsible for the privacy practices or the content of those linked websites.

6. Security Precautions

Your personal details are stored on a secure server that only selected personnel and contractors have access to.

We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure that your personal details are safe as it is transmitted to us.

We take appropriate precautions to protect the security of Personal identity details. You can access your Personal identity details on our Website through your login and password, once your registration process and our verification processes complete. We recommend that you do not share your password with anyone. In addition, your personal details are stored on a secure server that only selected personnel and contractors have access to. We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure that your personal details are safe as it is transmitted to us.

However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us, so you do so at your own risk.

7. Choice/Opt-Out

We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account.

If you want to remove your contact information from all Loans4SME lists and newsletters, please visit: SUPPLY LINK TO UNSUBSCRIBE

8. Advertisements

On registration, you are also permitted to post your data on our website for advertisement purposes. On termination of registration or on your request, related data will be deleted.

9. Your Consent

By using the Website and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.

If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

10. Additional Information

This Privacy Policy only addresses the use and disclosure of information we collect from you. Other websites that may be accessible through this Website have their own privacy policies and data collection, use and disclosure practices. If you link to any such website, we urge you to review such website′s privacy policy. We are not responsible for the policies or practices of third parties.

11. Grievance Officer

In accordance with Information Technology Act 2000 and Rules made there under, the name and contact details of the Grievance Officer are provided below:

12. Questions?

Questions regarding this statement should be directed to the following address: contact@loans4sme.com