By accessing this Website (including ‘Mobile App’) or registering/sharing your information on the Website, the users (hereinafter referred to as You or Your) agree to be bound by this Terms of Use (TOU), terms and conditions that apply to the access and use of the Website, which is managed and operated by (hereinafter referred to as the Company), incorporated under the laws of Dubai and registered under the Companies Act, 2017 bearing CUIN. The TOU describes our relationship with You which will be subject to the rules, guidelines, policies, terms, and conditions applicable to any specific service that is provided by this Website and they shall be deemed to be incorporated into this TOU and shall be considered as part and parcel of this TOU.

The Company reserves the right at any time, at our sole discretion, to change or otherwise modify the TOU without prior notice, and Your continued access or use of this Website signifies Your acceptance of the updated or modified TOU.

Please read these terms and conditions carefully. Your acceptance of the terms contained herein constitutes the agreement between You and the Company for the purpose as defined hereunder:

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  You must use this platform/Website for Your personal and non-commercial use only. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

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  You must provide accurate and complete information when using the Website so that we can help You choose the best suited products by searching, comparing and applying for them through the Website. The Company may, at its sole discretion, add or remove any productss from the Website in accordance with its internal policy.

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  You may only use the Website to search for and to apply for loans, mutual funds, credit cards or other financial products offered by various banks, non-banking financial institutions, insurance companies and any other third-party service providers with whom the Company has entered into a business arrangement (collectively referred to as Business Partner(s)), as displayed on the Website from time to time, and You shall not use the Website to make a fraudulent application for any products listed on the Website. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these terms, or any local laws that might apply to you.

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  The Company reserves the right to make any changes in these terms without any notification so we urge You to visit these on regular intervals.

The Company hereby offers You with access to information and helps You choose the best suited financial products by comparing multiple options purely on the basis of information provided by You. The Company enables You to search, compare and apply for products through this Website. The Company showcases different financial products including, but not limited to, insurance products, loan facility such as personal loans, home loans, car loans, etc., credit cards facility, investment services such as savings account, fixed deposits and mutual funds, and facilitates to avail the same by linking You with relevant Business Partner(s) (collectively referred to as "Services").

In addition, the Company may provide third party services including but not limited to issuance of consolidated credit score/report from participating credit bureaus, credit check services, and any other similar services to retrieve and use Your information through third party sites (e.g. credit bureaus, etc.) in conjunction with Your selection of the Services (collectively referred to as "Ancillary Services").

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  The above said Services and Ancillary Services are provided on a commercial basis and You agree that Your participation for availing the Services/Ancillary Services is purely at Your will and consent.

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  Your continued usage of the Services/Ancillary Services from time to time would also constitute acceptance of the TOU including any update or modification thereof and You would be bound by the same.

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  You agree and authorize the Company to use Your information to avail the Services/Ancillary Services so provided by the Company. You agree to receive communications through emails, telephone and/or SMS, from the Company or Business Partner(s) regarding the Services/Ancillary Services updates, information/promotional emails and/or product announcements. In this context, You agree and consent to receive all communications at the mobile number provided by You.

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  The Company will retain and use Your information as necessary to comply with their its legal obligations, resolve disputes and enforce agreements entered into for providing Services/Ancillary Services.

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  The Company does not control the price, length of offers, or special conditions relating to the products. These are set by the Business Partners. If You receive any details or information regarding the product and would like to know further details or information or any special conditions relating to it, please click through the links contained on our Website to the relevant Business Partner'’s website. The Business Partner's prices, rates and offer times, etc. are updated and amended on a regular basis so our price comparisons are subject to change.

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  In order to purchase any of the products described on our Website, You must contact the relevant Business Partner. When a product is shown on this Website, You will also find a direct link to the Business Partner's website so that You can visit their site and purchase or apply for the product. You may also book an online appointment through the Website to chat with the representatives of the Business Partners in order to resolve Your queries or seek further clarity regarding the products. The product and contact details of the Business Partners are listed on their website(s).

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  You acknowledge and agree that Company owns all legal rights, title and interests in and to the Services/Ancillary Services. You further acknowledge that the Services/Ancillary Services may contain information which is designated confidential by the Company and that You shall not disclose such information without Company’s prior written consent. The contents of the Website, including its "look and feel" (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are owned/licensed by/to the Company and/or the Business Partners and are duly protected by them under applicable copyright, trademark and other laws.

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  The Company grants You a limited and conditional license to access and make use of the Website, the Services/Ancillary Services. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party or to create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Services/Ancillary Services. Any unauthorized use by You shall terminate the permission or license granted to You.

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  By using the Website You agree not to: (i) use this Website or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Website using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Website or bypass or restrict or circumvent other measures employed to prevent or limit access to this Website; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Website (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Website into any other website without our prior written authorization.

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  All information, data and copyright material contained on this Website, including any trademarks whether officially registered or unregistered, tradenames, brands, logos and devices belongs to the Company and the respective Business Partner(s). You must not use such information or copyright material unless You have written permission from the Company or the respective Business Partner(s).

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  You may download or copy the content and other downloadable items displayed on this Website for personal non-commercial use only.

You agree and acknowledge that for undertaking any transaction through the Website, Company/Business Partners may undertake client/customer due diligence measures and seek mandatory information required for KYC purpose which as a customer You are obliged to give, while facilitating Your request of loan/credit card/mutual fund or any other financial product requirements with the Business Partners, in accordance with applicable Anti Money Laundering Act, 2010 (AML Act) and other applicable laws. The Company/Business Partners may obtain sufficient information to establish, to its satisfaction, the identity of each new customer/user, and to ascertain the purpose of the intended nature of relationship between You and the Business Partner. You agree and acknowledge that the Company can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to customer due diligence requirements in line with the requirements and obligations under the AML Act and other applicable laws.

By sharing any information (which includes any personal data, information and documents) on the Website, You agree that You shall be solely responsible for all information You share on the Website and Company shall not be responsible for any information You make available on or through the Website. At Company’'s sole discretion, such information may be included in the Services and Ancillary Services (in whole or in part or in a modified form). With respect to such information, You submit or make available on the Website, You grant the Company a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such information or any part of such information. You agree that You are fully responsible for the information You submit. You are strictly prohibited from unauthorized use and access to the Website. You are further prohibited from sharing or transmitting to or from this Website: (i) any unlawful, threatening, libelous, defamatory, obscene or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any goods or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from Your submission of content to this Website.

This Website may provide links to other websites or resources. Since the Company has no control over such third party websites and resources, You acknowledge and agree that the Company is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resources. Your interaction with any third party accessed through the Website is at Your own risk, and the Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from Your interactions with the third parties.

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  You expressly understand and agree that Your use of the Services, Ancillary Services and all other content included in or accessible from the Website is at Your sole risk. The Services/Ancillary Services are provided on an "as is" and "as available" basis. The Company makes no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability or completeness of the content on the Website or of the products (whether or not sponsored by Business Partner(s) and other third parties), and expressly disclaims any warranties of non-infringement or fitness for a particular purpose.

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  Some of the content on the Website is aimed at spreading general awareness about various financial and ancillary services and does not constitute any investment advice, and the same shall not be construed as any solicitation, endorsement, advertising, marketing or promotion of such products on the Website. These content and/or information are derived from publicly available sources and the Company cannot verify or confirm the genuineness, authenticity or veracity of such information.

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  The Company expressly disclaims all warranties of any kind as to the Services, Ancillary Services and all information, products, services and other content (including that of the Business Partners and other third parties) whether or not included in or accessible from the Services/Ancillary Services, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

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  The Company and its service providers, affiliates and, Business Partners make no warranty that; (i) the Services/Ancillary Services will meet Your requirements; (ii) the Services/Ancillary Services will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from the use of the Services/Ancillary Services will be accurate or reliable; (iv) the quality of any products, services, information, or other material purchased or obtained by You through the Services/Ancillary Services will meet Your expectations; and (v) any errors in the technology will be corrected.

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  Any information in relation to products offered by Business Partner(s) and available on the Website are incorporated into this TOU by reference. All prices/quotations, whether specified or not, are in Dubai Dirham. Products and their specifications are offered by the Company’s Business Partners, and may change in accordance with the brand guidelines or other terms and conditions applicable to each of the Business Partners of the Company. You further undertake that by initiating a transaction, You are entering into a legally binding and enforceable contract with these Business Partners of the Company, to purchase the products and avail the Services using such payment facilities as may be permitted by applicable laws and as may be accepted by the Company/Business Partners.

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  The Company may enter into agreements with third party payment gateway aggregators and financial institutions authorized by the State Bank of Dubai for collection, refund and remittance and to facilitate payment between You, the Company and its Business Partners, as the case may be. The Company shall initiate the remittance of the payments made by You and the date of completion of transaction shall be after the products are delivered to You or after the Services are rendered to You and such other additional time as may be agreed between Website and its Business Partners, as the case may be.

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  While availing any of the payment method(s) available on the Website, the Company will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to You due to:

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    Lack of authorization for any transaction(s); or

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    Any payment issues arising out of the transaction(s); or

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    Illegitimacy of the payment methods (credit/debit card frauds etc.) being used by You; and

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    Decline of transaction(s) for any other reason(s).

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  Notwithstanding anything contained herein, the Website reserves the right to conduct additional verification for security or other reasons, if it is not satisfied with the creditability of You/Your transaction.

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  Use of the payment facilities provided by the Website shall not render the Website liable or responsible for the non-delivery, non-receipt, non-payment, damage, breach of representations and warranties, non-provision of after sales or warranty services or fraud as regards the products or services listed on the Website. The Website shall not be responsible for any damages, interests or claims arising from not processing a transaction.

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  You hereby agree to provide accurate information, such as credit/debit information for purchasing any Service or product on or through the Website. You further warrant that You shall not use payment information or instrument that is not lawfully owned by You. In addition to this TOU, the terms and conditions of the Business Partners shall also be applicable to every user. The Website disclaims any liability arising out of declining of payment by such Business Partners.

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  The Company may in its sole discretion impose limits on the number of transactions which an individual holding a financial instrument may use for payment for products or Services. Additionally, the Website reserves the right to refuse to process transactions exceeding such limit and transactions by You that have incurred questionable charges and amounts.

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  The Company shall not be held responsible and shall bear no liability in case of failure or delay of delivering the products or Services including any damage or loss caused to You due to such delay.

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  The Company reserves the right to occasionally suspend or restrict the access to the Website to allow for repairs, bug fixing, routine maintenance and ensure the Website is running healthy and is upto date.

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  You are not allowed to make use of the Website during the maintenance hours of the Website. A banner will be displayed on the Website while it is undergoing maintenance. Once the maintenance has been completed, You will be able to access the Website freely.

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  In case of the Website is down for any other reason other than repair and maintenance, the Company shall not be liable for any loss or damage resulting from such an unexpected reason.

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  You expressly understand and agree that the Company (including its affiliates, directors, officers, employees and representatives) shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, opportunity, goodwill, use, data or other intangible losses, even if Company has been advised of the possibility of such damages, resulting from; (i) any failure or delay (including without limitation the use of or inability to use any component of the Website); or (ii) any use of the Website or content; or (iii) the performance or non-performance by us, even if we have been advised of the possibility of damages to such parties or any other party; or (b) any damages to or viruses that may infect Your computer equipment or other property as the result of Your access to the Website or Your downloading of any content from the Website.

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  Notwithstanding the above, if the Company is found liable for any proven and actual loss or damage which arises out of or in any way connected with any of the occurrences described above, then You agree that the liability of the Company shall be restricted to, in the aggregate, any Service/transactional fees paid by You to the Company in connection with such transaction(s)/Services on this Website, if applicable.

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  The Company has no control over the third party websites which would be provided to You through its Website. You acknowledge and agree that under no circumstance shall the Company be liable for Your using the products offered or provided by the Business Partners.

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  You agree to indemnify and hold Company (and its affiliates, officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to Your breach of this TOU, Your violation of any law or the rights of a third party, or Your use of the Website.

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  You shall not sue or otherwise make or present any demand or claim, and irrevocably, unconditionally and entirely release, waive and forever discharge the Company, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter referred to as "Release") from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses"), whatsoever, in law or equity, whether known or unknown, which You ever had, now have, or in the future may have against the Release with respect to the Services/Ancillary Services. You agree to defend, indemnify, and hold harmless the Release from and against any and all Losses resulting from claims made against the Company by third parties arising from and in connection with this.

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  The Company reserves the right to make changes to the Website, related policies and agreements and this TOU at any time as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services and Ancillary Services, company re-organization, market practice or customer requirements. Upon any change, Company will notify the updated terms on the Website or other means. Your continued use of the Services and Ancillary Services constitutes acceptance of the changes and an agreement to be bound by terms, as amended. If You do not agree to the changes, You may please discontinue Your use of the Services and Ancillary Services.

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  The Company reserves the right to discontinue or suspend, temporarily or permanently, the Services including Ancillary Services, by giving reasonable time period notice, on a best effort basis, unless it is merely to change certain features/contents of the Services/Ancillary Services and/or Website or maintain the security and integrity of the Services/Ancillary Services. You agree that the Company will not be liable to You in any manner whatsoever for any modification or discontinuance of the Services/Ancillary Services.

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  You agree not to use the Services and Ancillary Services for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of other.

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  The Company may, from time to time, announce certain offers with the intent to promote its Website and/or Services/Ancillary Services ("Promotional Offer(s)"). The Promotional Offer(s) would always be governed by this TOU plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these TOU, to the extent they may be in conflict with this TOU. The Company reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

All matters relating to this TOU shall be governed and construed in accordance with the applicable laws of Dubai and the courts at Dubai shall exercise exclusive jurisdiction over it.

These TOU are in effect as of. Any changes to the TOU will be published on this Website.

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  The Company intends to provide clear information about products and Services being offered by the Business Partners per their policies. The information and data stated on the Website are generic in nature. Our efforts are to offer accurate and responsible data. The Company is not responsible for any sort of discrepancies.

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  The Company does not sell, resell or license any of the products listed on the Website, nor is it acting as an agent of sale, and the Company disclaims any responsibility for, or liability related to, such products and Services. Any questions, complaints or claims related to any product should be directed to the appropriate Business Partner.

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  The Company tries to maintain high standards in quality, clarity, and accuracy of the material posted on the Website. The Company is not legally responsible for the same in any matter whatsoever. Employees, directors,, and associated staff of the Company are not accountable for any loss, harm, or damage due to usage of information from the Website. You are advised to exercise Your discretion in such matters. It is a mutual understanding that a customer’s association with the Website will be at the customer's preference and risk.

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  It is made abundantly clear that the Company, its directors, shareholders, officers and employees are in no way responsible or liable for any one for availing the products offered by the Business Partners and the customer shall be solely responsible for the consequences of his/her decision(s).