Terms & Conditions

UNOFIN TECHNOLOGY SOLUTIONS PRIVATE LIMITED (hereinafter shall be referred to as "Unofin" or "Company" or "us" or "we" are the owner of the website at www.unofinance.in ("Website")

As a user ("User" or "You") of the Website, You understand that Website provides access between multiple Users in the form of consumers, financial institutions, data partners and other partners lenders, borrowers, service providers etc. with a view to facilitate lending and borrowing activities, including providing other financial products between the Users.

It is hereby clarified that the term "Users" shall mean any person using the Website i.e. consumers, financial institutions, regulated entities, and other partners. Your use of this Website implies that You have read, understood and agreed to abide by following, disclaimer, terms & conditions ("Terms & Conditions").

These Terms & Conditions read together with our privacy policy govern Your usage of the Website and the terms for the purchase of the Products from the Website (“Product”).

Please read these Terms & Conditions carefully before accessing or using our Website. By accessing or using any part of the Website, you agree to be bound by these Terms & Conditions. If You do not agree to all the terms and conditions of this agreement, then You may not access the Website or use any services provided by Us.

GENERAL

Unofin is a Website facilitating the loan transactions between the borrowers and the lending partners.

The Website brings together consumers, financial institutions, data partners and other partners willing to abide by the Terms & Conditions herein. Unofin’s lending partners provide various kind of healthcare loan products as specifically supplied by the Users through the Website.

In the event You wish to avail any of the Products displayed on the Website you will be required to provide certain information and our representatives may contact You through phone or email to understand Your requirements.

Unofin provides various services, including but not limited to (“Services”):

  • Facilitating purchase and sale of Product on its Website;
  • Assisting its Users to obtain a Product from various lending partners of Unofin;

For the provision of the above mentioned Services, Unofin will be using and sharing the information of the User with multiple financial institutions and other parties, as may be required for the purpose mentioned above and Unofin shall also run multiple credit checks to be able to get the best available offers to suit the needs of the Users. The collection, storing, use and transfer of information shared by the User shall be governed in accordance with the Privacy Policy is available at https://unofinance.in/Privacy-Policy.php

ELIGIBILITY

The User of this Website unequivocally declares and agrees that the User is a natural/ legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the Services in accordance with the terms and conditions detailed hereinafter. By registering on the Website, the User hereby undertakes to agree and abide by the Terms & Conditions detailed herein. If the User violates any of these Terms & Conditions, or otherwise violates an agreement entered into through the medium of the Website, Unofin may terminate the User’s membership, delete his/her profile and any content or information posted online by the User on the Website and / or prohibit the User from using or accessing the Website at any time in its sole discretion, with or without notice, including without limitation if Unofin believes that User is under the age of 18 years.

ACCEPTANCE OF TERMS AND CONDITIONS

As a User of this Website, you have agreed to the Terms & Conditions provided hereunder or anywhere else on this Website including but not limited to disclaimers on this Website. You are advised to read and understand the said Terms & Conditions and in case You do not wish to agree to these Terms & Conditions, please refrain from using the Website.

Unofin reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms and Conditions, at any time. Any changes made to these Terms and Conditions will be communicated to the email address of the User maintained in our records, within a reasonable time from the date of modification. Unofin does not take responsibility in case the email address provided by the User is either incorrect or does not belong to the user. The User’s continued use of the Website following the notification of modification of these Terms and Conditions will be construed to mean the acceptance by the User of the modified Terms and Conditions.

PRIVACY

Unofin collects certain information from You in order to provide the Services. Unofin’s use of Your personal information is governed in accordance with the Privacy Policy.

LICENSE AND ACCESS

Unofin grants You a limited license to access and use the Website for availing the Services, but not to download any material from it (other than page caching) or modify it, or any portion of it, except with express written consent of Unofin and / or its affiliates, as may be applicable. Any unauthorized access to the Website or any networks, servers or computer systems connected to Website and any attempt to modify, adapt, translate or reverse engineer any part of the Website or re-format or frame any portion of the pages of the Website, save to the extent expressly permitted by these Terms & Conditions, is not permitted. This license is non-transferable and does not permit any resale or commercial use of this Website or its contents; any downloading or copying of account information for the benefit of anyone other than Your use; or any use of data mining, robots, or similar data gathering and extraction tools. The Website or any portion of the Website (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose without express written consent of Unofin and / or its affiliates, as may be applicable. Any unauthorized use of the Website shall terminate the permission or revoke the license granted by Unofin.

You are permitted to use content delivered to You through the Service only on the Service. You may not copy, reproduce, distribute, or create derivative works from this content.

MONITORING OF THE WEBSITE AND YOUR ACCOUNT

Unofin has the right and liberty to monitor the content of the Website at all times which shall include information provided in Your account. The monitoring of the Website / Website is important to determine the veracity of the information provided by You and that every User remains in consonance with the Terms & Conditions provided herein. Subject to the Terms & Conditions mentioned herein, Unofin shall also have the liberty to remove any objectionable content which is in contravention of the Terms & Conditions herein or share such information with any governmental authority as per procedures laid down by the law for the time being in force in India.

SERVICE SUSPENSION

Unofin may stop providing the Services and may terminate use of it at any time without giving notice of termination to You. Unless Unofin informs the User otherwise, upon any termination, (a) the rights and licenses granted to You in these terms will end; and (b) User must stop using the Website forthwith. Unofin reserves the right to suspend or cease providing any Service and shall have no liability or responsibility to the User in any manner whatsoever if it chooses to do so.

PROHIBITED USES

In addition to other prohibitions as set forth in the Terms & Conditions, You are prohibited from using the Website: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate Your use of the Service or any related website for violating any of the prohibited uses.

REFUND & CANCELLATION POLICY

Any additional payment made by You shall be refunded back within 30 days pursuant to the reconciliation of the accounts by Unofin. There will be no cancellation of the service once the loan amount has been processed and payment has been made to the healthcare provider.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

Notwithstanding anything to the contrary contained herein, neither Unofin nor its affiliated companies, subsidiaries, officers, directors, employees or any related party shall have any liability to You or to any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these Terms & Conditions. To the maximum extent permitted by law, You waive, release, discharge and hold harmless Unofin, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of Your use of the Website.

As a User, You also acknowledge that Unofin has maintained and carried out all possible checks and balances to assure the credibility of the Users as listed on the Website. The information provided on the Website is based on the information that is provided to Unofin. In case the User does not disclose any information to Unofin, and the same is not found out at the first instance by Unofin despite all measures adopted to certify the ratings or credibility of a User, Unofin shall not be responsible for any claims or liabilities. Unofin in any event is not responsible for any default in return of money that is borrowed from the lender and the lender shall have the exclusive right to initiate proceedings against the defaulter borrower. Unofin shall to the best of its abilities aid the concerned User in terms of provision of information to initiate any legal proceedings. However, Unofin shall not be responsible for any default on behalf of the User. Unofin is an information Website and the User is entitled to conduct its own diligence before taking any steps to initiate the processes outlined in the Website.

Unofin does not make any representations or warranties on behalf of the lenders partnered with Unofin with respect to the financial products / loans provided by such partners on the Website.

YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. COMPANY MAKE NO WARRANTY THAT: (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR SERVICE PROVIDER THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

YOU FURTHER AGREE THAT NEITHER COMPANY OR THIRD PARTY SERVICE PROVIDER NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF COMPANY OR SERVICE PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE / WEBSITE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO THE SERVICE. THE MAXIMUM LIABILITY OF UNOFIN SHALL BE LIMITED TO THE AMOUNT ACTUALLY PAID BY YOU TO THE COMPANY FOR THE SERVICE.

INDEMNITY

You agree to indemnify, save, and hold Unofin, its affiliates, contractors, employees, officers, directors, agents and its third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to Your use or misuse of the Services or of the Website, any violation by You of these Terms & Conditions, or any breach of the representations, warranties, and covenants made by You herein or Your infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libelous, obscene, harassing or offensive material posted/ transmitted by You on the Website. Unofin reserves the right, at Your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify Unofin, including rights to settle, and You agree to cooperate with Unofin’s defense and settlement of these claims. Unofin will use reasonable efforts to notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Terms & Conditions.

ADVERTISERS/ THIRD PARTY LINKS ON THE WEBSITE

Unofin accepts no responsibility for advertisements contained within the Website. Unofin has no control over and accepts no responsibility for the content of any website or mobile application to which a link from the Website exists. Such linked websites and mobile applications are provided “as is” for User’s convenience only with no warranty, express or implied, for the information provided within them. Unofin does not provide any endorsement or recommendation of any third party website or mobile application to which the Website provides a link.

USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at Unofin’s request, You send certain specific submissions (for example contest entries) or without a request from Us, You send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), You agree that We may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that You forward to Us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

You agree that Your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that Your comments will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than Yourself, or otherwise mislead Us or third-parties as to the origin of any comments. You are solely responsible for any comments You make and their accuracy. We take no responsibility and assume no liability for any comments posted by You or any third-party.

You are licensing to the Company and its service providers, any information, data, passwords, materials or other content (collectively, “Content”) You provide through or to the Service. Company and service provider of Company may use, modify, display, distribute and create new material using such Content to provide the Service to You. Company and Service Provider may also use, sell, license, reproduce, distribute and disclose aggregate, non-personally identifiable information that is derived through Your use of the Service. By submitting Content, You automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Company and its third party service provider may use the Content for the purposes set out above. As between Company and third party service provider, Company owns Your confidential account information.

ACKNOWLEDGEMENTS

You acknowledge that Unofin is a Website bringing Users together and that the Unofin is not engaged in either grant of loan or borrowing any money or assistance for any financial products from any member using the Unofin Website. You acknowledge that the use of the financial products is entirely based on the negotiations between the Users and third party and neither Unofin nor its affiliates, contractors, employees, officers, directors, agents and their third party associates, licensors and partners have any interest with regard to any financial products assistance procured by or to a registered User. You acknowledge that Unofin will not be responsible for any claim or damage in case of use of the financial products. You acknowledge that Unofin is in no manner responsible for any claim of money or damages in the event one person fails to either grant loan or a person fails to repay the loan or misrepresents his financial status or commits a fraud or cheating or any other such illegal act.

APPLICABLE LAWS

Your use of this Website and any Term & Conditions stated in this agreement is subject to laws of India. In case of any disputes arising out of the use of the Website, Courts of New Delhi will have exclusive jurisdiction.

GRIEVANCES

Users have complete authority to file a complaint/ share feedback if they are disappointed by services rendered by Unofin. They can give their complaint/ feedback in writing or by way of an email to the following:

Helpline: 091-8955895589

Email: [email protected]