The Website is owned and operated by FDMS Capital, having its registered office at FDMS Capital 5th Flr,Radisson Goregaon,SV Rd, Veer Savarkar Flyover, Jn, Goregaon, Mumbai, Maharashtra 400062 (the "Operator", “We”, “Us” ), which is authorized to exercise the ownership and intellectual property rights to the Website.
Links to Other Sites
Use of Information and Materials
The Content (material, information, data, news items, software, text, images, graphics, video and audio etc.) contained on this Website is provided for general information only and should not be used as a basis for making business/commercial decisions (including investment decisions). User is advised to exercise due caution and/or seek independent advice before entering into any arrangement or financial obligation based on the Content contained on this Website.
The Content contained in this Website, including text, graphics, links or other terms are provided on an “as is”, “as available” basis and are protected by copyright in favour of Operator. User should not distribute text or graphics to others without the express written consent of the Operator. User should not copy, download, publish, distribute or reproduce any of the Content contained on this Website in any form without prior permission of the Operator.
Changes to Website or Policy
The Operator reserves the right to modify the appearance, contents, organization, location and accessibility of the Website and/ or the Policy at any time without prior notice. The publication of any data or information on the Website, with the exception of this Policy on Website Use, will not be considered as an act in law, unless expressly stated otherwise.
The User is expected to keep updated of any changes made in this Website and the information available on it on a regular basis and Operator undertakes no responsibility about advising the User about any such changes. Though Operator will endeavor to ensure that information contained on this Site is obtained from sources which, it feels, are reliable, Operator does not warrant such information’s completeness or accuracy. Use of the Website after the republication of amended Policy is deemed to represent the User's consent with the amended Policy on Website Use.
Creation of User Account for availing Services
To obtain the Loan(s) or to avail other services from us time to time, the User has to create an account (“User Account”) with us by registering himself / herself. You are solely responsible for maintaining the secrecy of your user id and password for the User Account and shall be responsible for all activities that occur in connection with your User Account. In case of any unauthorized use of your User Account the same shall be intimated to us. You shall not create multiple User Accounts and shall not use your User Account for any purpose that is unlawful, illegal or forbidden by law. As a consideration for availing Loan/ Service through Website, you may be required to pay certain fee, charges, interest or cost as may be applicable as mentioned in our Website or as per the terms for respective products and services as prescribed by us. You understand that application of loan through online means is dependent on technical factors which inter alia includes your connectively to internet, your ability to make payment through online means which in-turn is depended on payment services from your bank or similar service providers, capability of the computer or phone which you use for the purpose, your careful approach in reading the terms, understanding the same and following the process. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.
By using our Website you agree that you shall not:
(a) use our Website for spamming or illegally interfere with security, integrity, networks connected therewith and operation related features of our Website or features that enforce limitations on the use of Website;
(b) infringe ours or any third party's intellectual property rights, rights of publicity or privacy;
(c) post or transmit any message data, image or program which violates any law or which is libellous, defamatory or which discloses private or personal matters concerning any person;
(d) refuse to cooperate in an investigation or provide confirmation of your identity or any other information you provide to us;
(e) upload any content that constitutes negligent advice or contains any negligent statement or instructions, an incitement to commit or promote a crime or criminal activity; or any content which is in contempt of any court, or in breach of any court order or any law for the time being force or threatens the unity, integrity, defense, security or sovereignty of any country, or public order;
(f) use the facilities and capabilities of Site to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others;
(g) breach these Terms or any other policies which we have; and
(h) use web site to collect or obtain personal information, including without limitation, personal information about other users of our Site.
Copyrights and Trademarks
All copyright and all intellectual property rights in all material presented on the Site (including but not limited to text, audio, video or graphical images), trademarks and logos appearing on this site are the property of the Operator and/ or its affiliates and/ or third parties who have an arrangement with the Operator to provide services to the User. The User is further required to observe the Operator's copyrights of this Website and, furthermore, to observe the third parties' rights to material and text posted by the Operator on the Website (including, but not limited to, trademarks, logos etc.) but owned by third parties and which is under the protection of appropriate laws on the protection of intellectual property rights.
You do not have the right to use any of our trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the services. You will not copy or transmit any of the services. We neither represent nor warrant that your use of materials displayed at the Site will not infringe rights of third parties.
For the purpose of creating the User Account through the Website:
1.You shall be an Indian citizen resident in India and minimum 18 years of age.
2.You shall not be a person either barred or otherwise legally prohibited from taking Loan or availing services offered by us
3.You should have an updated UID (Aadhaar) number and Permanent Account Number (PAN) or such other valid identity proof and residential address proof as described by Reserve Bank of India and prescribed by us for KYC requirements
4.You shall not impersonate any person or entity or falsely state or otherwise misrepresent age, identity or affiliation with any person or entity.
5.You have valid email address and valid mobile number where you want to receive OTP and other communications from HCIN.
6.You have a bank account in India (bank name, IFSC, branch and account number) having enabled internet banking facility for the purpose of transfer/ receipt of funds.
7.You should be either salaried employee or self-employed or pensioner.
While creating the User Account you will be asked to provide certain information which may include your personal details (like name, address, date of birth, father’s name, mother’s name etc.), contact details (like your residential address, email address, telephone / mobile number etc.), (collectively and individually referred as,“Customer Data”). We request you to provide complete and accurate information to strengthen your credibility. You confirm and warrant that the details submitted are true and correct and we can rely on it for providing the Loan and/or services sought by you through the Website.
Apart from accepting this Policy on Website Use for availing the loan or any services from us, you shall be additionally required to agree ‘General Terms and conditions for obtaining Personal Loan FDMS Capital' as registered with Sub-Registrar of Assurances at Mumbai (Maharashtra) under the Deed of Declaration having Registration No.23050 dated 10.11.2015 (hereinafter referred as "GTC") for terms and conditions applicable to the loan Further, it is made clear that accepting these terms or creation of User Account will not bind us in granting you any loan or services, the same shall be further governed by the specific terms in addition to this Policy.
Breach of the Terms
Without prejudice to our rights under this Policy, if you breach these terms & conditions and in any way, or if we suspect that you have breached these terms & conditions of Website use in any way, we may (i) send you one or more formal warnings; (ii) temporarily suspend your access to Website; (iii) permanently prohibit you from accessing Website; (iv) block the device using the IP address or International Mobile Equipment Identity Number from accessing Website; (v) contact any or all of your internet service providers and request that they block your access to Website; (vi) commence legal action against you, whether for breach of contract or recovery of amounts due or damages or otherwise; and/or (vii) suspend or delete your account on Website.
The User herein agree to indemnify and hold us harmless from and against any and all claims, action, liability, cost, loss, damage, endured by us by your access to the Website.
No Warranty and Limitation of Liability
This Website may contain advice/ opinions and statements of various professionals/ experts/ analysts, etc. Operator does not represent/ endorse the accuracy, reliability of any of the opinions/ statements/ information by such person. Reliance on these statements shall be at the risk of the user of this Website. The Operator does not guarantee the accuracy, correctness, completeness, timeliness or availability of this Website's contents and/or services and does not accept any responsibility (e.g. towards the Users of the Website) in this respect. It is the responsibility of the User of this Website to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided on this Website.
No information sent to any client through this Website or available on this Website shall constitute any representation or warranty by the Operator, or its subsidiaries or affiliates regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity.
The User is fully liable for any risk for his use of this Site and the Operator does not assume any responsibility or liability for such risk. FDMS Capital, its subsidiary companies, its affiliates, and their directors and employees (Entities) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from use of this Website by any User or any linked site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Website, its Contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services even if the Entities are advised of the possibility of such damages, losses or expenses.
Due to the nature of the Internet transactions, use of or access to the Website may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. The Operator is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.
By accepting this terms or using this Website or by expressing intent or by making application for availing any loan or services, you confirm that you have understood the intricacies, the related risks and the process, you also confirm the aspects mentioned aforesaid are beyond control of the Operator. Hence, any of your acts will be at your choice and discretion and therefore you disclaim us from claim or damages suffered by you or for loss of profit.
Dispute resolution and governing law
The use of this Website and the Policy on Website Use shall be governed by Indian law. The Policy on Website Use and your activity under this Policy are an ‘electronic record’ in accordance with the (Indian) Information Technology Act, 2000.
Any dispute arising in connection with the use of Website shall be settled before courts of Mumbai (India) and in accordance with Indian law. Should any provision of this Policy be held invalid or unenforceable for any reason, the invalid or unenforceable provision shall be severable from the remaining provisions and shall not affect the validity or enforceability thereof.
Annual Percentage Rate(APR)
APR or Annual Percentage Rate is a very common term in the banking world. Though common, this term might result in confusion for the first-time loan borrowers. This is an interest rate that is different from the standard rate of interest and that is why an applicant must have a good amount of knowledge about APR before opting for a personal loan. Only when you understand the different types of interest rates that you have to pay annually, you can enjoy the best advantages of availing a loan.