Terms and Conditions, and Disclaimer

A look at our Terms and Conditions related to use of this website and its subdomains and the Disclaimer for acts of third-parties that are not in our control.

TERMS OF USE

Please read these Terms of Use, Privacy Policy and Disclaimer (hereinafter ‘Notices’) carefully before accessing any part of the website. Please do not access the website if you do not agree with these Notices.

We keep updating these Notices on a regular basis as and when needed. We suggest you regularly revisit these Notices to review the latest updated version.

This website (https://financedragon.com) and its sub-domains (hereinafter ‘Website’), and all of their contents are the property of IHuS Research Private Limited (hereinafter ‘Finance Dragon’ or ‘our company’ or ‘we’), a company incorporated under the Companies Act, 1956 of India, having its registered office New Delhi, India.

Services

The purpose and contents of this Website are to provide:

  1. Provide information on Financial and Related Services including but not restricted to Loans, Savings Accounts and other Services offered by banks, non-banking financial companies and other financial or related institutions in India, and the facility to apply for availing these Financial and Related Services through our website and thereafter through banks, financial institutions or partner third party loan processing companies,
  2. Provide proprietary personal development and personal finance awareness programmes
  3. Provide guides, research papers, research notes, newsletters, news updates, and any other proprietary and non-proprietary information
  4. Allow affiliate partners to promote and sell all or any of the hereinabove services

(hereinafter called “Services”). Nothing contained in this website shall constitute an offer for our services.  All contracts for our services shall be agreed in writing.

Usage Rights

You are authorised to use the website only if you are of the age of 18 years or above and can enter into binding contracts as per applicable laws. You are responsible for maintaining the secrecy of your login user id, password and other account information. You will be responsible for all use of the Website by you and anyone using your login information including your password, whether that be with or without your permission.

By using the Website, and furnishing your personal and/or contact details when prompted to avail any of the Services, you hereby agree that you are interested in availing and purchasing those services that you have selected. You hereby agree that we may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfil your demand or to cross-sell various products and services and/or provide you with various value-added services. You also agree hereby to authorise us to make your details available to our loan processing partners. You may be contacted by the partners for information and for sales through their own email, telephone and/or short messaging services (SMS) over which we have no control. You agree to receive promotional materials and/or special offers from us through email, phone, messenger or SMS.

Personal Data

You acknowledge and agree that for undertaking any transaction through the Website, we may undertake customer due diligence measurers, pursuant to which we may seek mandatory information as required for Know-Your-Customer (“KYC”) verifications, which as a customer you are obliged to give, to facilitate your application for any proprietary or non-proprietary financial or other product from us, banks or financial institutions, in accordance with applicable law and regulations. You agree and acknowledge that we 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 applicable laws and regulations. We may obtain sufficient information to establish to our satisfaction or of banks, financial institutions or loan processing partners, the identity of each new customer/user, and to ascertain the purpose of the intended nature of relationship between you and us, the bank, financial institution or loan processing partners.

By using the Website to avail of financial or other services, you provide consent for using of your personal data or sensitive personal data as defined under applicable law, and/or to authorize us, bank, financial institution or loan processing partner to source your data or information from any source or public registry as may be necessary to complete your profile or your application on the Website, conduct due diligence, assess your eligibility for the product or service, and/or undertake KYC checks to process your application through the Website. Your personal data may be used or shared with third parties, including but not limited to our vendors, service providers, analytics and research partners in India or abroad, with the sole objective of making your experience on the Website better to the extent possible. We shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, we shall not be liable to you against any liability or claims which may arise out of such transactions as any such personal data is being collected, used, processed and shared with your explicit consent.

Password Protected Access

Access to and use of password protected and/or secure areas of the Website is restricted to authorised users only. Unauthorised individuals attempting to access these areas of the Website will be subject to prosecution.

Legal Use

You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms or any international, national or local laws that might apply to you. Specifically, you are prohibited from posting or transmitting to or through this Website:

  1. Any unlawful, threatening, libellous, defamatory, obscene, pornographic or other material or content that violates rights of publicity and/or privacy or that would violate any law or general rule of equity;
  2. Any commercial material or content including, but not limited to solicitation of funds, advertising, or marketing of any good or services; and
  3. 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 posting of content to this Website.

You agree to comply with laws that apply to India and your country if you are not resident in India. We reserve the right at our sole discretion, at any time and without advance notice or liability, restrict, suspend or terminate your access to all or any component of the Website.

Proprietary Rights

The Information on this website, including but not limited to content, logos, names and graphics, are proprietary in nature and do not imply a licence, whether expressed or implied, to reproduce, transmit, display, perform, publish, license, and / or distribute this information in any form or by any means, without a prior written consent from us. No information from this website may be used for any commercial or non-commercial purpose in any website or document or in any material without our prior written consent.

While we try to ensure that the information contained on this website is correct, we make no representation or give any warranties, whether express or implied, as to its completeness, accuracy, suitability or reliability for any particular purpose. All materials and information are presented on an ‘as is’ basis.  We shall not be liable for any loss and / or damage you may incur arising from the use of or inability to use this website or any information contained in it, or accessed through this website, or from any action or decision taken as a result of using this website or the information contained in it.

Finance Dragon expressly disclaims any implied or express warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. In no event shall we be liable for any damages whatsoever, including without limitation special, indirect, consequential, or incidental damages, including without limitation, damages resulting from the use of, or reliance on, the information presented, or loss of profits or revenues. We do not accept any liability for any errors or omissions.

Any provision of these terms, privacy policy or disclaimer notice deemed unlawful, void or unenforceable for any reason, shall be deemed severable to the extent that it is unlawful, void or unenforceable, and shall not affect the legality, validity and enforceability of the remaining provisions.

Third Party Links, Sites and Resources

You acknowledge and agree that this Website may provide links to other websites or resources over which we have no control, and we are not responsible for the availability of such external sites or resources. Presence of these links or resources on the Website does not in any mean any endorsement and we are 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 Finance Dragon 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 resource.

Your interaction with any third party accessed through the Website is at your own risk, and we 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.

Such third-party site or resource may have separate terms and conditions and privacy policies, over which we have no control and you are requested to read the terms and conditions and privacy policies available on such sites or resources before you access their content or any other material.

Limitation of liability

Finance Dragon or any of its people including officers, directors, employees, representatives, affiliates and providers, will not be responsible or liable for:

  1. Any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind including without limitation to lost of profit or loss of savings, whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with:
    • Any failure or delay including without limitation the use of or inability to use any component of the Website, or
    • Any use of the Website or content, or
    • Performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or
  2. 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.

Indemnity

You agree to indemnify and hold Finance Dragon and the Website and their officers, directors, agents and employees, free from any blame 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 attorney fees, or arising out of or related to your breach of these Notices, your violation of any law or the rights of a third party, or your use of the Website.

Waiver

Any failure or delay by Finance Dragon to enforce or exercise any provision of these Notices, or any related right, shall not constitute a waiver by Finance Dragon of that provision or right. The exercise of one or more of such rights shall not be deemed a waiver of, or preclude the exercise of, any rights or remedies available to Finance Dragon under these Notices or in law or at equity. Any waiver of any provision shall only be effective if made in writing and executed by a duly authorized representative of Finance Dragon.

Force Majeure

Finance Dragon shall be excused from any delay or failure in performance required under the agreement if caused by reason of any Force Majeure. The obligations and rights of the party so excused shall be extended on a day-to-day basis for the time period equal to the period of such excusable interruption and such obligations and rights shall resume when such Force Majeure events have abated.

Jurisdiction and Governing Law

These terms, privacy policy or disclaimer notice shall be subject to the exclusive jurisdiction of the courts of Delhi and the laws of India.


PRIVACY POLICY

You can read the terms and conditions related to our privacy policies by clicking on this link: Finance Dragon Privacy Policy.


DISCLAIMER

The purpose and contents of this Website are for informational and personal development purposes only. Nothing contained in this website shall constitute an offer for our services. Finance Dragon hereby excludes any warranty, either express or implied, as to the correctness, completeness, timeliness, accuracy, fitness for a particular purpose of the website or any of its contents.

The Website may contain inaccuracies and typographical and clerical errors. We do not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the website. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk.

There are no guarantees and no warranties regarding online availability, impressions, and click-through of the Website and any material, information, links, resources or content presented on the Website. Any material, information, links, or content presented on the Website may be unavailable for online access at any time.

Finance Dragon expressly disclaims any obligation to update this website. However, we reserve the right, in our sole discretion, to correct any errors or omissions in any portion of the website. We may make any changes to the website from time to time without any notice including changes to the terms, privacy policy ad disclaimer. Any such new notice would take effect immediately upon their posting on the websites. You are requested to review these notices each time you use the websites as they constitute a legally binding agreement between you and our company.

Please reach us at contact[at]ihusresearch.com if you have any questions about any information on the Website.