Privacy Policy

1. DEFINITIONS

1.1. “Act” means Information Technology Act, 2000 and any amendments thereof;

1.2. “Applicable Law(s)” means all statutes, enactments, acts of legislature or parliament, ordinances, rules, bye-laws, regulations, notifications, policies, directions, directives and orders as such are in effect as of the date hereof or as may be amended, modified, enacted or revoked from time-to-time hereafter or other governmental restrictions or any similar form of decision of, or determination by any government, statutory authority, tribunal, board, court having jurisdiction over the matter in question in India;

1.3. “App” or “Application” shall mean a mobile application of the Company, that is available on cellular devices through the App Store or the Play Store through which the Company makes its Services available to registered users;

1.4. “Business Partner(s)” shall mean such entities that We have a business partnership with, as updated from time to time;

1.5. “Consent” shall mean as per Clause (III) of the Privacy Policy;

1.6. “Credit Bureau” shall means TransUnion Cibil,, Equifax, Experian, CRIF High Mark 

1.7. “Database” shall mean an organized collection of structured information, or data, that is stored electronically in Our computer systems.

1.8. “Log Data” shall include internet protocol address, browser type, browser language, referring URL, files accessed, errors generated, time zone, operating system and other visitor details collected in Our log files, the pages of our App that You visit, the time and date of Your visit, the time spent on those pages/ and other statistics;

1.9. “Purpose” includes,

1.9.1. To provide and maintain our Service.

1.9.2. To notify you about changes to our Service.

1.9.3. To allow you to participate in interactive features of our Service when you choose to do   so.

1.9.4. To provide customer support.

1.9.5. To gather analysis or valuable information so that we can improve our Service.

1.9.6. To monitor the usage of our Service.
1.9.7. To detect, prevent and address technical issues.
1.9.8. To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

1.10. “Personal Information” shall mean information such as (a) Name of the User; (b)  Contact Number, (c) Location of the User, as provided by the User, (g) PAN details, and (h) such other information of the User, as and when collected;

1.11. “Privacy Policy” shall mean this document that governs usage of data by Us.

1.12. “Rules” means the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011;

1.13. “User”, or “You”, or “Your” shall refer any person or a person representing an entity under the laws of India that accesses the App; 

1.14. “User Data” shall mean the cumulative data obtained by Us, from User activity on the Website or App;

2. PRIVACY POLICY 

2.1. This privacy policy (“Privacy Policy”) governs Your use of the Our App, as we endeavor to provide Users  with Our Services including to create and maintain an Application for listing of lending and credit related services personalised to Your credit score, Users will also be able to improve their credit score through our proprietary AI enabled recommendations, report irregularities in Your credit report. (“Services”). 

2.2. This Privacy Policy has been duly framed in accordance with the Act and the Rules to ensure maximum protection to the information provided by You. This electronic record is generated by a computer system and does not require any physical or digital signatures.

2.3. We, (“Vijayalakshmi Technology Infinity NKB Private Limited”) have Our registered office at Flat No.206 Washleigh Manor, Rustom Bagh Main Rd, Kodihalli Village, Varthur Hobli, Bangalore, Bangalore North, Karnataka, India, 560017 bearing  CIN U62099KA2024PTC191169 (hereinafter referred to as “We”, “Us”, “Company” or “Our” which expression shall mean and include its affiliates, successors and permitted assigns), wherein We affirm that this  Website and App are solely owned by Us. 

2.4. By registering on Our App, You agree to abide by the terms and conditions pertaining to collection, retention, and use of information set forth in this Privacy Policy. If You do not agree to the Privacy Policy, You may refrain from registering on the App and in this case, We will be unable to provide you with Our Services. 

2.5. This Privacy Policy provides You with details about the manner in which Your data is collected, stored and used by Us. You are advised to read this Privacy Policy carefully. By Browsing Our Website or registering on Our App, You expressly give Us consent to use and disclose Your Personal Information in accordance with this Privacy Policy, wherever necessitated. If You do not agree with the terms of the Privacy Policy, please do not use or access Our Website or avail Our Services through Our  App.

2.6. Company is not targeted towards minors. The target audience and content thereof shall be targeted towards adults who are above the above of 18 (Eighteen). In the event the Application has been accessed and / or any Personal Information has been inadvertently collected from a person / minor not eligible as per this clause, kindly contact the Company at support@gocredit.money  and the Company shall delete such Personal Information (defined below) as soon as possible.

​

3. CONSENT OF USER

3.1. If You are a business entity, You warrant and represent that You are accessing the Application or Website for business or related purposes only and the entity holds valid registrations for the relevant statutory authority, where applicable. 

3.2. If the User is accessing the Application on behalf of, a corporate entity, User warrants and represents that User has requisite authority to bind that corporate entity and that User is duly authorized by the business entity to accept the Privacy Policy and User has the authority to bind that business entity to the Privacy Policy.

3.3. If the User is a natural person, he/she is above the age of 18 (eighteen) and is eligible under the Indian Contract Act, 1872 to enter into a valid agreement and be bound by the terms of this Privacy Policy. 

3.4. You acknowledge that Your Consent is being obtained for the Purpose defined under Clause 1 (7) above.

3.5. ACCESSING, BROWSING OR OTHERWISE USING THE APPLICATION AND/ OR WEBSITE INDICATES YOUR ACCEPTANCE OF ALL THE TERMS IN THIS PRIVACY POLICY. PLEASE READ THE PRIVACY POLICY CAREFULLY BEFORE PROCEEDING. YOU DECLARE YOUR WILLINGNESS TO ABIDE AND BE BOUND BY THS PRIVACY POLICY THROUGH YOUR USE OF THE APPLICATION AND/ OR WEBSITE. IF YOU DO NOT AGREE WITH THE TERMS OF USE, PLEASE DO NOT USE THE APPLICATION AND THE WEBSITE. This Privacy Policy will be effective immediately upon Your acceptance of Our Privacy Policy, Your use of Our Website being indicative of such acceptance. This Privacy Policy shall be enforceable, in the same manner as any other written agreement.

​

4. POINTS OF DATA COLLECTION

4.1. Company receives information only when the Users enter their Personal Information on the Application. 

4.2. We collect information from Users when Users register with Us, through Our App.  Further, in cases where You are looking to avail Our Services, we may ask You to provide Your Personal Information such as a phone number for verification and your Personal Information.    In case You are providing information to Us, on behalf of another person, You should only do so, if You are duly authorised by them under Applicable Laws.

4.3. We may may also request Personal information during the course of provision of Our Services, to provide the You with other benefits of Our Services.

​

5. COLLECTION OF INFORMATION 

In order to provide Our Services, We may collect the following types of information:

5.1. User information – When You use Our App, We automatically receive and record information from Your device. Such information may include, location of Your device, Your device storage, Your IP address, cookie information, software and hardware attributes, unique device ID etc. Most of the information We collect during Your use of Our App, is Your device and hardware IDs and device type, and basic usage stats about Your device and general use of Our Services does not by itself identify You to Us, though it may be unique or consist of or contain information that You consider personal. Specifically, We collect, retain and use information collected, retained and shared through Facebook Platform, Twitter, Google and YouTube, according to the applicable terms and conditions of their privacy policies.

5.2. Personal Information and Database – On the basis of Your usage of Our App we may also export Your Personal Information from Our Database to any other  third -party as permitted under Applicable Law (collectively referred to as “User Data”). 

5.3. Registration – In order to avail Our Services, You shall have to register yourself on Our  App. We shall record Your Personal Information and other information about You as furnished by You onto the App.

5.4. User history and preferences – We save Your query terms as well as Your statement of experience with us. These may be associated with the unique registration ID of Your device. We also save Your recommendations and preferences for Our Services, as recorded through Your use of the Services and use them for personalization features.

5.5. Cookies – When You use Our App, We may send one or more cookies. “Cookies” are small files placed on your hard drive that assist us in providing Our Services. Cookies can also help us provide information that is targeted to your interests. Most cookies are “session cookies,” meaning that they are automatically deleted from your storage at the end of a session.

We use cookies to improve the quality of Our Application and Services by storing User preferences and tracking User information. Cookies shall have limited scope, either for the purpose of User enrolment/registration for imparting Services. You are always free to decline our cookies if Your mobile application permits, although in that case You may not be able to use certain features of the same.
Additionally, you may encounter “cookies” or other similar devices on certain pages of the App that are placed by third parties. We do not control the use of cookies by third parties.

6. USE OF INFORMATION

6.1. We collect Personal Information primarily for the Purpose as defined in Clause 1 (8) and to enable us to provide Our Services to You or help you browse Our App, seamlessly.

We share Your Personal Information Credit Bureau and obtain Your credit report from them as required under Applicable Law; share credit report details obtained from Credit Bureau with certain RBI approved lenders; and Your contact details with marketing agencies  in order to perform Our Services.  Any User Data that We have access over is never shared without the Your consent. 

6.2. The Personal Information We collect allows Us to keep You posted on Our latest announcements, credit offers, credit score related suggestions, security alerts and support and administrative messages, that You have specifically requested for. It also helps Us to improve Our Services. If You do not want to be on Our mailing list, You can opt out at any time by unsubscribing to Us, through the usage of Your mail ID. 

6.3. From time to time, We may use Your Personal Information to send important notices, such as communications and changes to Our Terms of Use or Privacy Policy. Since, this information is important to Your interaction with Us, You may only opt out of the same, only after communicating with Us or choosing to delete Your profile with Us. We may also use Personal Information for internal purposes such as data analysis and research to improve Our Services, products and customer communication.

6.4. We collect Non-Personally Identifiable Information about Our Users generally to improve features and functionality of Our App. We may analyze trends through aggregated demographic and psychographic offers to Users. We may also share this Non-Personally Identifiable Information with Our partners to allow them to assist Us in delivering tailored advertisements, promotions, deals, discounts, and other offers to You when You use the Services. We collect information from You when You use and decide to avail Services provided by Us on Our  App. 

6.5. We may also collect information about You through other methods, including research surveys or information We obtain from third parties, including verification services, data services, as well as public sources. We shall not be responsible for any breach of privacy, or any issues related to accuracy of such third party data or third party information.

6.6. Personal Information, personally identifiable information and / or Financial Information shall be collected by the Application on an ongoing basis, without need for further, separate consent from the User (aside from the acceptance of this Privacy Policy) for one or more of the Purposes mentioned under Clause 1 (7).

7. SHARING 

We only share Personal Information with other companies or individuals in the following limited circumstances:

7.1. We may share with third parties the demographic location of Your device and Personal Information in order to provide the Service, improve and personalize Your experience of Our Service.

7.2. We may share with third parties certain pieces of non-personal information, such as the number of Users who are using Our Services, users who clicked on a particular advertisement or who skipped a particular advertisement, as well as similar aggregated information. Such information does not identify You individually.

7.3. We may share with third parties’ Your unique device ID. While such information does not by itself identify You to Us, it may be unique or consist of or contain information that You consider personal, however such information does not identify You individually.

7.4. We provide such information to trusted businesses or persons for the purpose of processing Personal Information and or other information on Our behalf. We require that these parties agree to process such information based on Our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

7.5. Advertisers: We allow advertisers and/or merchant partners (“Advertisers”) to choose the demographic information of Users who will see their advertisements and/or promotional offers and You agree that We may provide any of the information We have collected from You in non-personally identifiable form to an Advertiser, in order for that Advertiser to select the appropriate audience for those advertisements and/or offers.

​

8. SECURITY 

8.1. The security of Your Personal Information and User Data is important to Us. We take precautions, including administrative, technical and physical measures, to safeguard Your Personal information against loss, theft and misuse, as well as against unauthorized access, disclosure, alteration and destruction. Any Personal Information obtained by Us on Our App shall be encrypted. Our App has various electronic, procedural and physical security measures in place to protect the loss, misuse and alteration of information, or any accidental loss, destruction or damage to data. When You submit Your information, Your information is protected through Our security systems.

8.2. In order to ensure the security of Your Personal Information, the Application employs various security measures. The Application uses https along with TLS certification for all communication between Our servers and User’s device. All Personal Information are encrypted in the Company’s servers to ensure that the Personal Information collected is secure from unauthorized access, improper use or disclosure, unauthorized modification and unlawful destruction or accidental loss.

8.3. It is expressly stated that the Application shall not be responsible for any breach of security or for any action of any third parties that receive Users’ personal data or events that are beyond the reasonable control of the Application or Company including, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, etc.

​

9. STORAGE OF DATA

9.1. We will store Your Personal Information and User Data which shall be retained up to such period wherein such information is necessary to be stored and for such time period as may be permissible under Applicable Laws.  In the event You terminate your Services with Us, Your express consent to this Privacy Policy, shall be understood as withdrawn.

9.2. In the event You decide to stop availing Services, including but not limited to, deleting the Personal Information stored with Us, the same shall be honored by Us, if requested in writing to support@gocredit.money. In the event You wish to delete the Personal Information stored with Us, the same shall be honored by Us if requested in writing to support@gocredit.money. Any Personal Information deleted by the Company shall not be available to restore under any circumstances.

9.3. We will keep records of communications, including but not limited to, phone calls received and made for making enquiries, orders, feedback and / or any other purposes for rendering Services effectively and efficiently. We shall be the exclusive owner of such data and records. 

9.4. As a rule, all records are regarded as confidential. Therefore, will not be divulged to any third party, unless required as per the terms of this Privacy Policy or under Applicable Laws.

​

10. ACCESSING THIRD PARTY WEBSITES

Our App contains links to other websites. Please note that when you click on one of these links, you are entering another website for which We have no responsibility. We encourage you to read the privacy statements of all such sites as their policies may be materially different from this Privacy Policy. Of course, you are solely responsible for maintaining the secrecy of your membership account information. Please be very careful, responsible, and alert with this information, especially whenever you are online.

​

11.  PROTECTION OF CHILDREN

Use of Our Services is available only to persons who can form a legally binding contract under the relevant local laws applicable to Your country. If you are a User under the age of 18 (“Child User”), You may use Our Services only with the involvement of a parent or guardian. Please ensure that You have adequate consent from Your parent or guardian to access Services in accordance with the present Privacy Policy. 

If You are the parent or guardian of a Child User, please advise Your child of the risks of posting Personal Information in order to avail Our Services or other online services, and that any information posted may be used by third parties without restriction. Notwithstanding anything contained herein, We shall always presume that every User has adequate consent and free-will to access Services and to enter into a legally enforceable contract with Us.

We also reserve the right to remove, at Our sole discretion, any content or material posted by a User which may be of defamatory or sexual nature or offensive to other Users in any manner, and take appropriate legal action against such User. 

12. MECHANISM OF SHARING DATA WITH THIRD PARTIES

12.1. We may disclose Personal Information about You to Credit Bureau; RBI approved lenders and other marketing agencies. We also reserve the right to disclose your Personal Information to third parties in an anonymous or aggregate form, to understand customer trends and patterns and manage and improve our business relationships. 

12.2. We may provide Your Personal Information to our Business Partners, representatives and third party processors to administer and process for the Purposes notified to you in this Privacy Policy, and We may also share such details with third parties, including but not limited to, auditors or legal advisors to obtain professional advice. Any such processing will be governed by an agreement in the form required as per Applicable Law, preserving any and all of Your statutory data protection rights. You authorise Us to exchange, transfer, share, part with all or any of your Personal Information, across borders and from Your country to any other countries across the world with our affiliates/agents/third party service providers/partners/banks and financial institutions for the Purposes specified under this Privacy Policy or as may be required by Applicable Law.

12.3. You acknowledge that We may be obligated by law to disclose and / or transfer your Personal Information with judicial and / or quasi – judicial courts and government agencies in certain instances such as for verification of identity or for prevention, detection, investigation, prosecution, and punishment for offences, or in compliance with Applicable Laws. In the event of any regulatory inquiry, including court issued warrants or written request from any agencies of the Government, supported by warrants, We shall have no option but to de-encrypt the Personal Information to the extent sought and share the same with such regulator or court or appropriate authority upon receiving specific warrant from such authority issued by a competent court.  In such an event We shall not be liable in any way for such disclosure and We shall not be responsible to either inform Users or seek Users’ prior approval.

12.4. Notwithstanding the above, we are not responsible for the confidentiality, security or distribution of Your Personal Information by third party (ies) outside the scope of our agreement with such third party (ies), in accordance with Clause (VI). We will not be responsible for any breach of security or for any actions of any third parties or events that are beyond Our reasonable control, including but not limited to, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of internet service and / or telephone service of the User etc. 

12.5. We may share Your Personal Information with Our other corporate and/or associate entities and affiliates or government officials or law enforcement officials to; (a) help detect and prevent identity theft, fraud and other potentially illegal acts and cyber security incidents, to help protect the property and rights of Us or any other third party, or to protect the safety of the public or any person, or to prevent or stop any illegal activity, (b) help and detect co-related/related or multiple accounts to prevent abuse of our services.

​

13. PRINCIPLES FOR PROTECTION OF PRIVACY

13.1. Commitment to Privacy. The App is strongly committed to Users’ right to privacy and to keeping Users’ Personal Information and Financial Information secure. To earn Users’ trust and confidence, we are fully disclosing our privacy practices. We encourage Users to read our Privacy Policy to understand what types of Personal Information we collect and how we use this information.

13.2. Applicability. This Privacy Policy sets forth the reasonable security practices and procedures adopted by Us and shall apply to the use, disclosure and sharing Personal Information provided by the Users of the App which is owned and operated by Us. This policy is equally applicable on the visiting App for using Our Services. The Privacy Policy outlines the various measures undertaken by Us to provide Users with a convenient and safe online/ experience, while maintaining and safeguarding the confidentiality, integrity, and security of Users’ Personal Information, during storage and transmission through the world wide web. This Privacy Policy explains how We protect Personal Information provided by Users through the App and how We store and use that information, to deliver the Services on the App.

13.3. Choice. You may choose whether / not to provide your Personal Information Us. If you choose not to provide the Personal Information the App requests, you may still visit the App, but you may be unable to access the Services. If you choose to have avail Our Services, We will naturally continue to contact you in connection with the said Services. We neither collect nor store your biometric information.

13.4. Access/Accuracy To the extent that You do provide Us with Personal Information, We  wish to maintain accurate, true and complete Personal Information. When We collect Personal Information from You, Our aim is to be able to reach out to You. You should keep Your information updated and correct. If for any reason Your information is inaccurate, You may send updates and corrections about Your Personal Information to Us, and We shall make reasonable efforts to incorporate the changes.

13.5. Change in Policy. This Privacy Policy is subject to change at any time, and it is advised that Users review this Privacy Policy periodically. Any change to this Privacy Policy will become effective as soon as it is posted or linked to the revised Privacy Policy on the App. Users shall receive a notification whenever there is a change in our Policy on Users’ registered email ID and the issuance of the notification shall constitute a fair amendment of the Privacy Policy. 

13.6. Retraction of User Consent. If at any time such changes are not agreeable to a User, then the User may terminate his registration with the Website, stop availing Our Services and usage of the Website. Such termination and / or stopping of further use shall not result in any automatic deletion of Users’ Personal Information already stored with Us and We take no responsibility or makes no representation which would imply otherwise. However, We can assure you that the User’s Personal Information will be deleted or ceased to be retained by Us within reasonable time as permitted under Applicable Laws. 

13.7. Users’ Responsibility. It shall be the responsibility of the Users to read and assess such changes in the Privacy Policy once such notifications have been sent to Users’ registered email ID. 

​

14. NOTIFICATIONS 

You may be contacted, by email or other messages; for example, We may send You promotional offers on behalf of other businesses, or communicate with You about Your use of the Service. Also, We may receive a confirmation when You open an email from Us. This confirmation helps Us improve Our service. If You do not want to receive email or other mail from Us, please indicate Your preference by clicking on the “Unsubscribe” link at the bottom of the email or changing Your email settings on Your account settings page. Please note that if You do not want to receive legal notices from Us, those legal notices will still govern Your use of the service, and You are responsible for reviewing such legal notices for changes.

15. PURGING OF PERSONAL INFORMATION 

Users’ Personal Information may be stored with Us  for a period of time after the User ceases to access or use  Our Services  for the purposes mentioned in this Privacy Policy as permitted under Applicable Laws and the same may be eventually erased / purged / removed from our Database by writing to us at support@gocredit.money.

16. RIGHT TO INJUNCTIVE RELIEF

It is acknowledged and admitted by the User that a breach of the Privacy Policy by the User can cause irreparable damage to Us, and such damages may or may not be entirely quantifiable in monetary terms. Therefore, in the event of a breach of this Privacy Policy by the User, the User acknowledges that We shall have a prima facie case and a favorable balance of convenience to seek an injunctive relief to stop such continuing breach from a court of competent jurisdiction.

17. LIMITATION OF LIABLITY 

THE APPLICATION, AND OUR SERVICES ARE PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS. ALL WARRANTIES WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES AS TO NON-INFRINGEMENT, CORRESPONDENCE WITH DESCRIPTION, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE ARE EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.

NO LIABILITY ARISING OUT OF ANY VIOLATION OF DATA PRIVACY LAW IN ANY OTHER COUNTRY OTHER THEN REPUBLIC OF INIDA SHALL RESIDE WITH US. THE USERS OF SUCH COUNTRY (OTHER THAN REPUBLIC OF INDIA) NEED TO BE AWARE OF THE DATA PROTECTION LAWS OF THAT COUNTRY AND ACCORDINGLY ASSESS THE RISK SINCE THE COMPANY CLEARLY DISCLAIMS ALL RESPONSIBILITY RELATED TO PROTECTION OF SUCH DATA.

WITHOUT LIMITING THE GENERALITY OF ABOVE CLAUSE, WE MAKE NO WARRANTY THAT (I) WE WILL MEET USERS’ REQUIREMENTS OR THAT USERS USE OF THE WEBSITE/APP, OR ACCESS TO THE SAME, WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE (II) THE QUALITY OF THE APP WILL MEET USERS’ EXPECTATIONS.

WE SHALL NOT BE LIABLE FOR:-

i. ANY LOSS THAT USERS MAY INCUR AS A CONSEQUENCE OF UNAUTHORISED USE OF USERS ACCOUNT OR ACCOUNT INFORMATION;
ii. ANY INTERRUPTION OR NON-AVAILABILITY OF THE APP DURING PERIODIC MAINTENANCE OR FOR ANY OTHER REASON INCLUDING BUT NOT LIMITED TO SYSTEMIC FAILURES AND ACTS OF GOD;
iii. ANY INACCURACY, ERROR, OMISSION, INTERRUPTION, COMPLETENESS, DELETION, DEFECT, FAILURE OF PERFORMANCE, COMPUTER-VIRUS, COMMUNICATION LINE FAILURE, ALTERATION OF, OR ANY USE OF CONTENT HEREIN, REGARDLESS OF CAUSE, FOR ANY DAMAGES RESULTING THERE FROM; OR
iv. ANY LOSS OF OPPORTUNITY, GOODWILL OR REPUTATION; OR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE ARISING HOWSOEVER;
v. ACCURACY, CORRECTNESS OR ORIGINALITY OF ANY DATA INCLUDING ALL INDICES PUBLISHED ON THE APP WHETHER THE SAME IS THIRD PARTY DATA OR OTHERWISE.  
vi. ANY LOSS OF PROFITS, SALES, BUSINESS OR REVENUE; BUSINESS INTERRUPTION; LOSS OF ANTICIPATED SAVINGS; LOSS OF BUSINESS OPPORTUNITY, GOODWILL OR REPUTATION; OR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE HOWSOEVER ARISING.

IN NO EVENT SHALL COMPANY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF THE USERS OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE APPLICATION REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. THE COMPANY SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET.

​

THE COMPANY DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE APPLICATION OR THE WEBSITE WILL BE FREE OF VIRUSES, “WORMS”, “TROJAN HORSES”, OR THEIR HARMFUL COMPONENTS. THE COMPANY’S ENTIRE LIABILITY AND THE USER’S SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE THE WEBSITE/APP IS TO CEASE USING THE SAME WITH IMMEDIATE EFFECT.

​

USERS ACKNOWLEDGE THAT THE EXCLUSIONS AND LIMITATIONS ON OUR LIABILITY SET OUT IN THIS CLAUSE ARE DISTINCT AND SEPARATE PROVISIONS. IF ANY PROVISION OR PART-PROVISION OF THIS CLAUSE IS OR BECOMES INVALID, ILLEGAL OR UNENFORCEABLE, SUCH RESPECTIVE PROVISIONS SHALL BE SEVERED FROM THE PRIVACY POLICY AND THE PRIVACY POLICY SHALL BE READ WITHOUT SUCH UNLAWFUL PROVISIONS. 

​

18. GREVIENCE REDRESSAL MECHANISM

In order to address any of Your grievances and / or discrepancies of the information displayed on the App, the App shall designate the below mentioned grievance redressal officer(s) (“Grievance Officer”). The Grievance Officer shall redress all the grievances expeditiously but within 1 (one) month from the date of receipt of the grievance as provided under the Act.

• Grievance Redressal Officer - Debangshu Ghatak

• Contact Information - support@gocredit.money

19. INDEMNITY 

Users shall indemnify, defend and hold Us harmless  from and against any and all losses, liabilities, claims, damages, demands, costs and expenses (including attorney's fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by Us  that arise out of, result from, or may be payable by virtue of any breach or non-performance by Users of any of the terms of this Privacy Policy or of the App.

20. DISCLAIMER

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. USE OF THE SERVICE IS AT USERS’ SOLE RISK. COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, NOR DOES COMPANY MAKE ANY WARRANTY AS TO ANY RESULTS THAT MAY BE OBTAINED BY USE OF THE SERVICE. COMPANY MAKES NO OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN RELATION TO THE SERVICE.

21. GOVERNING LAW AND DISPUTE RESOLUTION 

All disputes arising out of this Privacy Policy and any disclaimers on the Website shall be subject to the sole and exclusive jurisdiction of the courts of Bangalore, India . 

22. CONTACT INFORMATION

If You have any questions or concerns with respect to this Policy any information contained on thereon, You may contact Us by writing to Us at support@gocredit.money. This Privacy Policy supersedes any previous versions.

.