Terms of use

Welcome to www.creditlelo.in (the “Site”), run by Brandwitty Advertising Pvt. Ltd. Our company offers its services to customers on the following conditions. But before, our customers use the Site, we strongly recommend that they must study and agree to all of the terms and conditions in, and linked to, this Terms of Use and the linked Privacy Policy. CreditLelo.in asks its customers to thoroughly go through the Terms of Use document, they should also read the linked information along, as its merged and hereby a part of this ToU. This ToU is only operative after its acceptance. If our customers avail any of the functions on our Site, they thereby accept this ToU document. If this ToU conflicts with any other documents, the ToU will control for the purposes of usage of the Site.  If our customer doesn’t accept to be bound by this ToU and the Privacy Policy, they aren’t allowed to Site further. We suggest our customers to go through to this page regularly to review the most current version of this ToU. CreditLelo.in reserves the right to alter or modify this ToU document, at any time, at our sole discretion, without prior notice, and our customer’s continuance of the usage of this Site signifies that they have accepted the updated or modified ToU.

  1. Description of Services

On this Site, CreditLelo.in, a part of Brandwitty Advertising Pvt. Ltd., offers its customers with access to data on Financial and Utility Services inclusive of but not limited to General Insurance, Life Insurance, Loans, Credit Cards, Financial Product & Services, Communication and Entertainment Services (the "Service"). Our customers are directly liable for gaining the access to the Site, and that access might include third-party fees (such as Internet service provider or airtime charges). Along with this, our customers must provide all the required details and are also responsible for all equipment necessary to access the Site. By using the Site and uploading personal / contact details, our customers accept that they intend to gain and buy the services that they have selected. Our customers therefore must accept that CreditLelo.in might contact them either via virtually or through phone, in order to understand their interest in the selected products and services and serve their demand well. Our customers must also agree that CreditLelo.in reserves the right to provide their details to partners and might be contacted by the partners for data and for sales through email, telephone and/or SMS. Our customers agree to receive promotional materials and/or special offers from CreditLelo.in through email or SMS.

  1. License and Site Access:

CreditLelo.in allows its customers a limited license to access and make personal use of the Site and the Service. However, this license does not include any downloading or replicating data for the advantage of another person, vendor or any other third party. This includes, caching, unauthorized hypertext links to the Site, using content available through the Site, updating or transferring any kind of content that our customer does not have a discreet to. For eg, Making the availability of information (such as the intellectual property of another party); updating or transferring any content that contains software viruses or any other computer code, files or programs designed to disrupt or limit the working of any computer software or hardware or telecommunications equipment. Any action that imposes or may impose (in CreditLelo.in’s sole discretion) i.e involving disproportionately large amount of CreditLelo.in’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. Our customers shall not overrule any measures taken by CreditLelo.in in order to block or restrict access to the Site. Any unauthorized usage by our customers will directly terminate the permission or license granted by CreditLelo.in.

By using the Site our customer accept not to: (i) Use this Site or its content for any commercial activity (ii) Make any false, or forged transaction in anticipation of demand; (iii) Assess, monitor or copy any content or data of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iv) Intrude the restrictions in any robot exclusion headers on this Site or bypass other measures to prevent or limit access to this Site; (v) Deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vi) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.

  1. Eligibility

CreditLelo.in’s offerings are not meant for minors i.e under the age of 18 or to any users suspended or removed from the system. Our customers shall not have more than one active account. Additionally, our users are prohibited from selling, trading, or transferring their account information to another party. If our users do not qualify, they are restricted from using the services of our Site.

  1. Your Account

Considering usage of the Site by our customers, they signify that they are above 18 years of age, to form a binding contract and are not an individual restricted to from receiving services under the laws of India or other applicable jurisdiction and will only use the Site to make legitimate purchases for themselves or for another person for whom our cuotomers are legally authorized to act (and will inform such other persons about the ToU and/or Privacy Policy) that apply to the purchase our users have made on their behalf (including all rules and restrictions applicable thereto).

Our users shall also accept to deliver true, accurate, current and complete information about themselves as prompted by on Site. If our customers provide any information that is forged, inaccurate, old or incomplete, or possibly might be in the near future, or CreditLelo.in has reasonable grounds to suspect that such information is forged, inaccurate, old or incomplete, CreditLelo.in has the right to suspend or terminate their account and refuse any and all current or future use of the Site (or any portion thereof). If the Site’s information is consumed, our users are liable for maintaining the privacy of their account information including the password. Our users accept the liability for all activities conducted in the account. For this, CreditLelo.in suggests it users to exit from their respective account after the end of each session. Our users agree to immediately notify CreditLelo.in of any unauthorized use of their account or any other breach of security. CreditLelo.in has the right to refuse service, terminate accounts, or remove or edit content in its sole discretion.

If the above mentioned terms are not addressed, we have the right at our sole discretion to forgo the access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the ToU or Privacy Policy. Additional terms and conditions will apply to our user’s purchase of services, they select. We request our customers to read the additional terms and conditions carefully. Our users thereby agree to abide by the terms and conditions of purchase imposed by any supplier with whom our customers elect to deal, including, but not restricted to, payments when due and compliance with the supplier's rules and restrictions on the usage of their services. Our users also agree that any disruption of any such supplier's rules and restrictions may result in cancellation of service bought, being restricted to access to the applicable service(s), losing of any amount paid for such reservation(s), and/or in our debiting the account for any costs we incur as a result of such violation.

  1. Submitted Content

CreditLelo.in doesn’t own materials our users make available through the Site. In reference to the materials submitted on the Site, our users grant CreditLelo.in a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to utilise, replicate, allocate, publicly display, alter, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that submit in this connection). Our users signify and warrant that any materials our users provide do not include anything (including, but not limited to, text, images, music or video) to which they do not possess right to grant the license specified in this Section 4. We take no liability for any submitted content posted or uploaded by our users. We have no obligation to post our user’s comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. Hence, if our customers do not accept to these terms and conditions, it is advised not to provide us with any such content. Our users are restricted to post or transfer to or from this Site: (i) Any unlawful, threatening, derogatory, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) Any commercial content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) Any material or content that infringes or violates any copyright, trademark, patent right or other proprietary right of any third party. Our users will be completely responsible for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from our customer’s posting of content to this Site.

  1. Disclaimer of Liability and Warranty

The Content, Products, and Services uploaded on CreditLelo.in may have inaccurate information or errors, including Pricing. CreditLelo.in does not guarantee that the data uploaded is genuine and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly possess the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. CreditLelo.in does not signify about suitability of the information, software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All the information of the parameters including software, products, and services are provided "AS IT IS" without warranty of any kind. CreditLelo.in denies that all warranties and conditions that this site, its services or any email sent from us, our associates and/or their respective suppliers are free of viruses or other harmful components. CreditLelo.in denies all warrants and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The suppliers providing services on this site are independent associations and are not responsible for the actions, inaccuracies, signification, breaches or negligence of any such suppliers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. CreditLelo.in and its partners won’t be responsible and will make no repayment in the event of any delay, cancellation, strike, force majeure or other causes beyond physical control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority.

In no event shall CreditLelo.in and/or its affiliates will be responsible for any direct, indirect, incidental or consequential damages resulting due to or in any way connected with, our customer’s access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, our customer’s reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) due to negligence or contract, strict liability, or otherwise, and even if CreditLelo.in and/or its affiliates their respective suppliers have been advised of the possibility of such damages.

  1. Disclaimer of Online Availability, Impressions, And Click-Through:

Along with other disclaimers and restriction formulated in this ToU document, there is no assurance regarding online obtainability, impressions, and click-through of Creditlelo.in, its web pages, and any material, information, links, or content presented on the web pages on our Site. Creditlelo.in, its web pages, and any material, information, links, or content presented on the web pages at Creditlelo.in, may be unavailable for online access at any time. Advertising sponsors and advertising must be approved by CreditLelo.in before the posting of any advertising material, information, links, content, banners, and graphics on CreditLelo.in. Any advertising should be related to interactive digital television and related subject areas. CreditLelo.in possess the right to accept or to reject any advertising sponsor or any advertising for any reason.

  1. License Disclaimer:

Any Content of CreditLelo.in website shall not be construed as conferring any license under any of CreditLelo.in’s or any third party associate’s intellectual property rights, whether by estoppel, implication, or otherwise.

  1. Local Laws:

CreditLelo.in possess and run this Website from its headquarters in Mumbai, India and doesn’t signify that the materials on the website are appropriate or available for use in other locations. If our users use this Website from other locations, they are liable for compliance with applicable local laws including but not limited to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and observe with the laws enforced in India. Disputes if any shall be subject to the exclusive jurisdiction of Courts at Mumbai.

  1. Limitation of Liability:

It is a requisite that our customers comprehend and accept that CreditLelo.in and its associate partners, affiliates, employees, agencies and licensors shall not be liable to our customers for any direct, indirect, incidental, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, usage, data or other intangible losses, resulting from use of the site, content or any related services. If, despite the limitation above, CreditLelo.in or its associates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of CreditLelo.in and/or its associate partners will in no event exceed, in the aggregate, the greater of (a) the service fees our customers have paid to CreditLelo.in in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100) The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of CreditLelo.in, its associate partners, and/or their respective suppliers.

  1. Indemnity:

Our Customers should ensure and hold CreditLelo.in (and its directors, agency partners, subsidiary companies and employees) safe from against any claims, causes of action, requests, recoveries, losses, disruptions, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to our customer’s violations of this ToU, our customer’s violation of any law or the rights of a third party, or their use of this Site.

  1. Electronic Communication:

When our customers use CreditLelo.in or send emails to us, they are connecting with CreditLelo.in electronically. Our customer’s agree to obtain communications from CreditLelo.in electronically. CreditLelo.in might connect with them via email or by updating notices on the Site or by phone or usually available means of communication. Our customers accept that all agreements, notices, disclosures and other communications that we provide to them electronically satisfy any legal requirement that such communications be in writing.

  1. Site-Provided Email and Postings

CreditLelo.in enables our customers with the capability to send emails to other users and non-users and also to post messages on the Site. CreditLelo.in is under no contract to review any messages, information or content posted on the Site by users and assumes no liability relating to any such Postings. Excluding the above, CreditLelo.in might regularly analyse the Postings on the Site and may refuse to accept and/or remove any email or Postings. Our customers must understand and accept not to use any functionality provided by the Site to post content or initiate communications that contain: (i) Any illegal, unsafe, threatening, abusive, harassing, defamatory, discourteous, vulgar, obscene, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law; (ii) Advertisements or promotions of any kind; (iii) Imitate others or provide any kind of false information; (iv) Personal identification information such as messages with state phone numbers, account numbers, addresses, or employer references; (v) Messages by non-spokesperson employees of CreditLelo.in claiming to speak on behalf of CreditLelo.in or containing confidential information; (vi) Messages that offer unauthorized downloads of any copyrighted or private information; (vii) Multiple messages placed within individual folders by the same user restating a similar point; (viii) Chain letters of any kind; or (ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message. This prohibition includes but is not limited to a) Using CreditLelo.in to send messages to people who don't know you or who are unlikely to recognize you as a known contact; b) Using CreditLelo.in to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, media partners.

  1. Links

This Site or third parties may channel links to other websites or resources. As, CreditLelo.in has no control over such sites and resources, our customers must understand and accept that CreditLelo.in is not liable for the availability of such external sites or resources, and doesn’t promote any content, advertising, products or other materials on or available from such sites or resources. Our customers may further recognise and accept that CreditLelo.in shall not be responsible, directly or indirectly, for any disruption or loss caused or alleged to be caused by or in connection with use of or relying on any such content, goods or services available on or through any such site or resource.

  1. Access to Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

  1. Modification and Notification of Changes

CreditLelo.in has the right to make changes to the Site, related policies and agreements, this ToU and the Privacy Policy at any time. If CreditLelo.in makes a material alteration to this ToU, we will notify our customers; (i) Displaying an important announcement above the text of this ToU or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of alteration in the ToU or the Privacy Policy has been posted for 30 days, the notice will be removed. If our customers didn’t use the Site for more than 30 days, they should check the ToU and/or Privacy Policy prior to any further use of the Site. If our customers wish to terminate their account due to a alteration in the TOS or the Privacy Policy, they can by sending an email with the subject line "Termination" to the following email address: support@creditlelo.in. If they choose to continue using the Site, they agree that by doing so they will be obliged to accept the new ToU or Privacy Policy, as relevant.

  1. Trademarks

The trademarks, logos and service marks ("Marks") shown on the Site are the property of CreditLelo.in. Our users are restricted from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the internet without the written permission of us. All the data, information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from changing, replicating, distributing, transferring, showcasing, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

  1. Survival of Terms After Agreement Ends

Excluding any other provisions of this ToU, or any general legal principles to this contract, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.

  1. General

If any of these conditions are derived invalid, void, or for any reason unenforceable, the parties agree that the court should endeavour to give weightage to the party's intentions as reflected in the provision, and the unenforceable condition shall be treated severable and shall not affect the validity and enforceability of any remaining condition.

Headings are for reference purposes only and do not limit the scope or extent of such section. This ToU and the relationship between you and CreditLelo.in will be governed by the laws of India.

Our customers and we agree to submit to the personal jurisdiction of the courts located in Mumbai with regards to any legal proceedings that may arise in connection with this ToU. The failure of CreditLelo.in to act with respect to a violation by our customers and others does not waive its right to act with respect to following or similar breaches.

CreditLelo.in does not guarantee it will take action against all breaches of this ToU. Except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between our customers and CreditLelo.in and governs their use of the Site, prevailing any prior agreements between our customers and CreditLelo.in with respect to the Site.