Terms and Conditions

Capzest ("WWW.CAPZEST.COM / CAPZEST ANDROID APP" or "Online platform" or "we" or "our") is a Capzest is a digital lending platform that has partnered with banks and NBFCs to provide personal loans and business loans to SMEs. Wiseworks Technology Private Limited is not a Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India. Wiseworks Technology Private Limited is also not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.

ONLINE PLATFORM: Online platform means WWW.CAPZEST.COM / CAPZEST ANDROID APP which is owned and managed by Wiseworks Technology Private Limited.

YOU/YOUR:You/Your shall mean natural or legal person who is at least 25 years of age and could legally enter into a contract in India and could use the services and products provided on the WWW.CAPZEST.COM / CAPZEST ANDROID APP in accordance with the terms and conditions recorded hereinafter and has agreed to become a paid member of this Online platform and whose membership fee is not in arrears.

Acceptance of Terms and Conditions

Every effort has been made to ensure, that the information contained on the Online platform is correct, however WWW.CAPZEST.COM / CAPZEST ANDROID APP makes no warranty as the accuracy, comprehensiveness, or correctness of any Service(s) or a Product(s) on the Online platform, and provides all Service(s) and Product(s) on an "as is" basis. By using this Online platform, you ("you" or the "End User") agree to these terms and conditions ("Terms and Conditions" or "T&C" or "Terms") that we have provided. If you do not wish to agree to these Terms and Conditions, please refrain from using this Online platform.

The Service(s) or a Product(s) and information displayed on the Online platform is an "invitation to offer" to the End User. Your order for purchase of either Service(s) or Product(s) constitutes your "offer" which shall be subject to the terms and conditions as listed below. WWW.CAPZEST.COM / CAPZEST ANDROID APP reserves the right to accept or reject your offer. If you have supplied us with your valid email address, we will notify you by email as soon as possible to confirm receipt of your instruction and email you again to confirm details and therefore process the instruction accordingly for provision of Services(s) or Products(s). Our acceptance of your instructions for either rendition of services or provision of any product will take place upon rendition of Service(s) or dispatch of the Product(s) ordered. No act or omission of WWW.CAPZEST.COM / CAPZEST ANDROID APP prior to the actual dispatch of the Product(s) or rendition of services ordered will constitute acceptance of your offer. Similarly, no act or omission of WWW.CAPZEST.COM / CAPZEST ANDROID APP prior to the actual rendition of services shall constitute acceptance of your offer. Persons who cannot enter into legally binding contract in accordance with the provisions of the Indian Contract Act, 1872 including person below the age of 25 years or of unsound mind and un-discharged insolvents etc. are not entitled to use the Online platform.

Persons under the age of 25 years are not permitted to get engaged with this Online platform and have no permission to call for any services or products or to borrow from through this Online platform.

The Online platform is freely accessible to the End User however; the End User will have to register with WWW.CAPZEST.COM / CAPZEST ANDROID APP and create their individual registration account prior to any purchase of Service(s) or Product(s). All registration information must be correct, complete and promptly updated by the End User each time it changes. WWW.CAPZEST.COM / CAPZEST ANDROID APP reserves the right to make any changes to our Terms and Conditions and/or our Privacy Policy (which is incorporated herein by reference) as we deem necessary or desirable without prior notification to you. We suggest to you, therefore, that you read our T&C and Privacy Policy from time to time in order that you stay informed as to any such changes. If we make changes to our T&C and Privacy Policy and you continue to use our Online platform, you are impliedly agreeing to the revised T&C and Privacy Policy expressed herein.

This is a summary of our T&C and Privacy Policy. For our complete T&C, please read below and visit our Privacy Policy.

Your privacy is important to us and we will protect it. We will not share your personal information with anyone other than those listed in our Privacy Policy.

As a condition of purchase, WWW.CAPZEST.COM / CAPZEST ANDROID APP requires your consent to send you administrative and promotional emails. We will send you information regarding your account activity and purchases, as well as updates about our Services and Products and promotional offers. You can opt-out of our promotional emails anytime by clicking the unsubscribe link at the bottom of any of our email correspondences. Please see our Privacy Policy for details.

By placing an order, you make an offer to us to purchase Service(s) or Product(s) you have selected based on the Terms and Conditions stated below.

You are required to create an account in order to purchase any Services or a Product from our Online platform. This is required so we can provide you with easy access to print your orders, view your past purchases, and modify your preferences.

If you have any questions about these Terms and Conditions, please contact WWW.CAPZEST.COM / CAPZEST ANDROID APP on support@Capzest.com

To read the complete WWW.CAPZEST.COM / CAPZEST ANDROID APP Terms and Conditions, please see below.

1.ACCEPTANCE OF TERMS AND CONDITIONS

By using this Online platform, you agree to the Terms and Conditions that WWW.CAPZEST.COM / CAPZEST ANDROID APP has provided. If you do not wish to agree to these Terms and Conditions, please refrain from using the Online platform. In the Online platform, WWW.CAPZEST.COM / CAPZEST ANDROID APP provides End Users with access to data base of lenders, borrowers and services providers in relation to debt services such as verification agencies and collection agencies etc. WWW.CAPZEST.COM / CAPZEST ANDROID APP also clarifies that this is not a micro finance webonline platform / Android app.

If this T&C conflicts with any other document, the T&C will prevail for the purposes of usage of the Online platform. If you do not agree to be bound by this T&C and the Privacy Policy, you may not use the Online platform in any way.

2.Description of Products & Services

In the Online platform, WWW.CAPZEST.COM / CAPZEST ANDROID APP provides Users with access to lenders, borrowers, service providers to borrowers, partners who facilitate lending and credit reports for borrowers.

Upon your clicking "yes" in the options menu we shall be entitled to send you regular updates via email regarding our Services and Product offerings.

3.General

These terms and conditions that apply to the user of this Online platform. By using this Online platform (other than to read this T&C for the first time), User agrees to comply with all of the terms and conditions hereof. The right to use this Online platform is personal to User and is not transferable to any other person or entity. All the Users of this webonline platform / Android app shall be individuals and a corporate shall not be registered to use this webonline platform / Android app. User shall be responsible for protecting the confidentiality of User's password(s), if any. User acknowledges that, although the internet is often a secure environment, sometimes there are interruptions in service or events that are beyond the control of WWW.CAPZEST.COM / CAPZEST ANDROID APP, and WWW.CAPZEST.COM / CAPZEST ANDROID APP shall not be responsible for any data lost while transmitting information on the internet. While it is WWW.CAPZEST.COM / CAPZEST ANDROID APP’s objective is to make the Online platform accessible 24 hours per day, 7 days per week, the Online platform may be unavailable from time to time for any reason including, without limitation, routine maintenance. You understand and acknowledge that due to circumstances both within and outside of the control of WWW.CAPZEST.COM / CAPZEST ANDROID APP, access to the Online platform may be interrupted, suspended or terminated from time to time. WWW.CAPZEST.COM / CAPZEST ANDROID APP shall have the right at any time to change or discontinue any aspect or feature of WWW.CAPZEST.COM / CAPZEST ANDROID APP, including, but not limited to, content, hours of availability and equipment needed for access or use. Further, WWW.CAPZEST.COM / CAPZEST ANDROID APP may discontinue disseminating any portion of information or category of information, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics.

4. Modified Terms

WWW.CAPZEST.COM / CAPZEST ANDROID APP reserves the right at all times to discontinue or modify any of the Terms and Conditions as may be deemed necessary or desirable without prior notification to you. Such changes may include, among other things, the adding of certain fees or charges. We suggest to you, therefore, that you re-read this important notice containing our Terms and Conditions from time to time in order that you stay informed as to any such changes. If we make changes to our Terms and Conditions and you continue to use our Online platform, you are impliedly agreeing to the Terms and Conditions and Privacy Policy expressed herein. Any such deletions or modifications shall be effective immediately upon WWW.CAPZEST.COM / CAPZEST ANDROID APP's posting thereof. Any use of WWW.CAPZEST.COM / CAPZEST ANDROID APP by End User after such notice shall be deemed to constitute acceptance by End User of such modifications.

5.License and Online platform Access

WWW.CAPZEST.COM / CAPZEST ANDROID APP grants you a limited license to access and make personal use of the Online platform. This license does not include any downloading or copying of account information for the benefit of another vendor or any other third party; caching, unauthorized hypertext links to the Online platform and the framing of any Content available through the Online platform, uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in WWW.CAPZEST.COM / CAPZEST ANDROID APP’s sole discretion) an unreasonable or disproportionately large load on WWW.CAPZEST.COM / CAPZEST ANDROID APP’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by WWW.CAPZEST.COM / CAPZEST ANDROID APP to prevent or restrict access to the Online platform. Any unauthorized use by you shall terminate the permission or license granted to you by WWW.CAPZEST.COM / CAPZEST ANDROID APP. By using this Online platform and by accepting to agree to these terms and conditions you also agree that you shall not hack or otherwise hire some third party to hack the online platform or use any other unauthorized means without a written consent of WWW.CAPZEST.COM / CAPZEST ANDROID APP and access any third party information. You shall in such an event be liable of a criminal offence and WWW.CAPZEST.COM / CAPZEST ANDROID APP shall institute appropriate legal proceedings to claim damages. WWW.CAPZEST.COM / CAPZEST ANDROID APP also reserve rights to institute proceedings in accordance with the law relating to intellectual property rights violation or infringement available to it in case the misuse of this webonline platform / Android app is a person or an entity that belongs to out of India. In any event, the jurisdiction to instutite any protective proceedings shall vest with the WWW.CAPZEST.COM / CAPZEST ANDROID APP within the jurisdiction of Mumbai.

Our webonline platform / Android app users may experience difficulty in accessing webonline platform / Android app from 0200 HRS to 0330 HRS due to webonline platform / Android app updates. We apologize for the inconvenience caused to our users.

6.WWW.CAPZEST.COM / CAPZEST ANDROID APP Usage Eligibility

The WWW.CAPZEST.COM / CAPZEST ANDROID APP Service is not available to persons under the age of 21 or of unsound mind or who are declared insolvent or to any Users suspended or removed from the system by WWW.CAPZEST.COM / CAPZEST ANDROID APP for any reason. Users may not have more than one active account. Additionally, Users are prohibited from selling, trading, or otherwise transferring their WWW.CAPZEST.COM / CAPZEST ANDROID APP account to another party. If you do not qualify, you may not use the WWW.CAPZEST.COM / CAPZEST ANDROID APP or the Online platform.

7.Your Account

In consideration of your use of the Online platform, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services or goods under the laws as applicable in India. Additionally you are more than 21 years of age. You also agree to provide true, accurate, current and complete information about yourself as prompted by the Online platform's registration form. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or WWW.CAPZEST.COM / CAPZEST ANDROID APP has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, WWW.CAPZEST.COM / CAPZEST ANDROID APP has the right to suspend or terminate your account and refuse any and all current or future use of the Online platform (or any portion thereof). As WWW.CAPZEST.COM / CAPZEST ANDROID APP is a webonline platform / Android app that enables borrowers to find lenders, it considers provisions of wrong information on this web portal willingly an act that would constitute misrepresentation, fraud and cheating. If you use the Online platform, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify WWW.CAPZEST.COM / CAPZEST ANDROID APP immediately of any unauthorized use of your account or any other breach of security. WWW.CAPZEST.COM / CAPZEST ANDROID APP reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. In the event, WWW.CAPZEST.COM / CAPZEST ANDROID APP finds that the information shared by the User of the webonline platform / Android app is incorrect or that the User is in breach of terms or conditions of the webonline platform / Android app or User is in default of the borrowers agreement than in such case WWW.CAPZEST.COM / CAPZEST ANDROID APP may add the name and details of such person in the list of persons who are blacklisted from receiving funds.

8.Equipment

User shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of this Online platform and all charges related thereto. WWW.CAPZEST.COM / CAPZEST ANDROID APP shall not be liable for any damages to the End User's equipment resulting from the use of this Online platform.

9.End User conduct

This Online platform and any individual online platforms or merchant-specific, city-specific, or state-specific online platforms now or hereinafter contained within or otherwise available through external hyperlinks with our Online platform (the "Microonline platforms") are private property. All interactions on this Online platform and/or the Microonline platforms must comply with these Terms and Conditions. Although we welcome and encourage user interaction on our Online platform, we do insist and require that all end users restrict any and all activity in connection with the use of this Online platform and the Microonline platforms to that which involves lawful purposes only. End User shall not post or transmit through this Online platform any material which violates or infringes in any way upon the rights of others, or any material which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without WWW.CAPZEST.COM / CAPZEST ANDROID APP's express prior, written approval, contains advertising or any solicitation with respect to Products or Services. Any conduct by an End User that in WWW.CAPZEST.COM / CAPZEST ANDROID APP's exclusive discretion restricts or inhibits any other End User from using or enjoying this Online platform and/or any of the Microonline platforms is strictly prohibited. End User shall NOT use this Online platform or any of the Microonline platforms to advertise or perform any commercial, religious, political or non-commercial solicitation, including, but not limited to, the solicitation of users of this Online platform and/or the Microonline platforms to become users of other on- or offline services directly or indirectly competitive or potentially competitive with WWW.CAPZEST.COM / CAPZEST ANDROID APP.

The foregoing provisions of this Section apply equally to and are for the benefit of WWW.CAPZEST.COM / CAPZEST ANDROID APP, its subsidiaries, affiliates and its third party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.

10.Monitoring

WWW.CAPZEST.COM / CAPZEST ANDROID APP shall have the right, but not the obligation, to monitor the content of the Online platform at all times, including any chat rooms and forums that may hereinafter be included as part of the Online platform, to determine compliance with this Agreement and any operating rules established by WWW.CAPZEST.COM / CAPZEST ANDROID APP, as well as to satisfy any applicable law, regulation or authorized government request. Without limiting the foregoing, WWW.CAPZEST.COM / CAPZEST ANDROID APP shall have the right to remove any material that WWW.CAPZEST.COM / CAPZEST ANDROID APP, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.

11.License Grant

By posting communications on or through this Online platform, User shall be deemed to have granted to WWW.CAPZEST.COM / CAPZEST ANDROID APP a royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sub-licensees.

12.Personal Information

In order to purchase Products or Services from the Online platform, you will need to provide your details prior to get enlisted as a borrower. As an account holder you are required to provide WWW.CAPZEST.COM / CAPZEST ANDROID APP with accurate personal information. Provision of another person’s details as your own will not be deemed acceptable.

Any personal information collected by WWW.CAPZEST.COM / CAPZEST ANDROID APP shall not be disclosed to any third party unrelated to the WWW.CAPZEST.COM / CAPZEST ANDROID APP business unless such a disclosure is authorised or required by law, or you have expressly consented to such a disclosure. Please also see the Privacy Policy in this regard.

13.Credit Card Information

Credit card information collected for the purpose of payment of Product(s) or Services purchased at WWW.CAPZEST.COM / CAPZEST ANDROID APP will be stored securely using a 128 bit Secure Socket Layer ("SSL") technology or on a cloud.

Credit card information will be masked on your account and will not be visible to WWW.CAPZEST.COM / CAPZEST ANDROID APP Customer Service operators.

You agree, understand and confirm that the credit card details provided by you for availing of services on WWW.CAPZEST.COM / CAPZEST ANDROID APP will be correct and accurate and you shall not use the credit card which is un-lawfully owned by you, thus you must not pay or attempt to pay for services using fraudulent credit card information. You further agree and undertake to provide the correct and valid credit card details to WWW.CAPZEST.COM / CAPZEST ANDROID APP. In case of orders that amount to Rs.10,000 or more, the customer will be required to provide the last four digits of the credit card used to place the order, for the purpose of verification.

Further the said information will not be utilized and shared by WWW.CAPZEST.COM / CAPZEST ANDROID APP with any third parties unless required for fraud verifications or by law, regulation or court order. WWW.CAPZEST.COM / CAPZEST ANDROID APP will not be liable for any credit card fraud. The liability for use of a card fraudulently will be on you and the onus to ‘prove otherwise’ shall be exclusively yours.

14.Cancellation by WWW.CAPZEST.COM / CAPZEST ANDROID APP

Please note that there may be certain instruction to remit payments or seek rendition of services that WWW.CAPZEST.COM / CAPZEST ANDROID APP is unable to accept shall be cancelled. We reserve the right, at our sole discretion, to refuse or cancel any order for any reason. We may also require additional verifications or information before accepting any instruction or registering you on are portal as a borrower. The borrower(s) are required to note that negative third party verification report(s) are crucial factors considered during the funding process. The funding may get rejected at any stage due to lack of information or verifiable information.

15.Fraudulent /Declined Transactions

WWW.CAPZEST.COM / CAPZEST ANDROID APP reserves the right to recover the cost of Service(s) and Product(s), collection charges and lawyers fees from persons using the Online platform fraudulently. WWW.CAPZEST.COM / CAPZEST ANDROID APP reserves the right to initiate legal proceedings against such persons for fraudulent use of the Online platform and any other unlawful acts or omissions in breach of these terms and conditions.

16. Limitation of Liability

WWW.CAPZEST.COM / CAPZEST ANDROID APP, its associates and technology partners make no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Online platform or that the operation of the Online platform will be error free and/or uninterrupted. Consequently, WWW.CAPZEST.COM / CAPZEST ANDROID APP assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Online platform; and/or any interruption or errors in the operation of the Online platform. You expressly understand and agree that WWW.CAPZEST.COM / CAPZEST ANDROID APP and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any 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 WWW.CAPZEST.COM / CAPZEST ANDROID APP has been advised of the possibility of such damages), resulting from use of the Online platform, sale and supply of Products content or any related goods and services.

This limitation of liability section shall prevail over any conflicting or inconsistent provision contained in any of the documents comprising this Agreement. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

The User further with immediate effect waive any right which had accrued to him from using the webonline platform / Android app to initiate any legal action against WWW.CAPZEST.COM / CAPZEST ANDROID APP. User also acknowledge that the credibility of a borrower as depicted upon the webonline platform / Android app is based on the information that is provided to WWW.CAPZEST.COM / CAPZEST ANDROID APP. In case there is a non-disclosure of information to WWW.CAPZEST.COM / CAPZEST ANDROID APP of the information, and the judgment of WWW.CAPZEST.COM / CAPZEST ANDROID APP is impaired and the ratings or credibility of a borrower is not found to be correct, WWW.CAPZEST.COM / CAPZEST ANDROID APP shall not be responsible for any claims or liabilities. WWW.CAPZEST.COM / CAPZEST ANDROID APP in any event is not responsible for any default in return of money that is borrowed from the lender and the lender shall have exclusive right to initiate proceedings against the defaulter borrower. WWW.CAPZEST.COM / CAPZEST ANDROID APP do provide the necessary information and support to the lender. However, lender shall not make any claim against WWW.CAPZEST.COM / CAPZEST ANDROID APP and shall conduct an independent due diligence of the borrower before lending it to him.

17.Indemnity

You agree to indemnify and hold WWW.CAPZEST.COM / CAPZEST ANDROID APP (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any claim or demand, including reasonable attorneys’ fees, or arising out of or related to your breach of this T&C, or your violation of any law or the rights of a third party including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfillment of any of your obligations under this T&C or arising out of violation of any applicable laws, regulations including but not limited to Intellectual Property Rights, payment of statutory dues and taxes, claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other subscribers and infringement of intellectual property or other rights. This clause shall survive the expiry or termination of this T&C.

18.Severability

If any of the Terms shall be deemed void, invalid or unenforceable for any reason, that condition shall be deemed several and shall not affect the enforceability of any remaining provision.

19.Customer Communication

WWW.CAPZEST.COM / CAPZEST ANDROID APP will communicate with you through any of the mode using email, SMS and telephone or all of them or any other mode. Account holders must provide a valid email address and contact telephone and/ or mobile number to WWW.CAPZEST.COM / CAPZEST ANDROID APP for this purpose. Please note WWW.CAPZEST.COM / CAPZEST ANDROID APP will not be able to contact the customer in case customer’s number is part of DNC (Do Not Call) list as generated by TRAI (Telecom Regulatory Authority of India). In this case we request customers to call us on our call center number.

When you use the Online platform or send emails to WWW.CAPZEST.COM / CAPZEST ANDROID APP, you are communicating with WWW.CAPZEST.COM / CAPZEST ANDROID APP electronically. You consent to receive communications from WWW.CAPZEST.COM / CAPZEST ANDROID APP electronically.

From time to time, WWW.CAPZEST.COM / CAPZEST ANDROID APP will also send you marketing material. If you do not wish to receive such material, you may unsubscribe from our mailing list at any time by using the unsubscribe function in the electronic marketing communication or by contacting support@capzest.com

You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

20.Online platform-Provided Email and Postings

The Online platform may provide End Users with the ability to send email messages to other End Users and non-End Users and to post messages on the Online platform. WWW.CAPZEST.COM / CAPZEST ANDROID APP is under no obligation to review any messages; information or content ("Postings") posted on the Online platform by End Users and assumes no responsibility or liability relating to any such Postings.

You understand and agree not to use any functionality provided by the Online platform to post content or initiate communications that contain:

(i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, 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 solicitations of any kind. (iii) Impersonate others or provide any kind of false information. (iv) Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references. (v) Messages by non-spokesperson employees of WWW.CAPZEST.COM / CAPZEST ANDROID APP purporting to speak on behalf of WWW.CAPZEST.COM / CAPZEST ANDROID APP or containing confidential information or expressing opinions concerning WWW.CAPZEST.COM / CAPZEST ANDROID APP. (vi) Messages that offer unauthorized downloads of any copyrighted or private information. (viii) Chain letters of any kind. (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 WWW.CAPZEST.COM / CAPZEST ANDROID APP invitations to send messages to people who don’t know you or who are unlikely to recognize you as a known contact; b) Using WWW.CAPZEST.COM / CAPZEST ANDROID APP 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, newsgroup aliases, or group aliases.

21.The Opt-out Practice

a)If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any personal information that we have collected about you, you can opt-out anytime by sending an e-mail about your request to support@Capzest.com

b) We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this online platform. They may collect anonymous information about your visits to our webonline platform / Android app, and your interaction with our products and services. They may also use information about your visits to this and other webonline platform / Android apps to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major webonline platform / Android apps. No personally identifiable information is collected or used in this process. They do not know the name, phone number, address, email address, or any personally identifying information about the user.

c) If you would like more information about this Opt-out practice and to know your choices about not having this anonymous information used by our third party service provider, - You can also read more about online marketing practices and the technologies that support them by visiting the.

22.Links

The Online platform or third parties may provide links to other World Wide Web online platforms or resources. Because WWW.CAPZEST.COM / CAPZEST ANDROID APP has no control over such online platforms and resources, you acknowledge and agree that WWW.CAPZEST.COM / CAPZEST ANDROID APP is not responsible for the availability of such external online platforms 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 online platforms or resources. You further acknowledge and agree that WWW.CAPZEST.COM / CAPZEST ANDROID APP 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 online platform or resource.

23.Access to Password Protected/Secure Areas

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

24.Acknowledgements

You acknowledge that the WWW.CAPZEST.COM / CAPZEST ANDROID APP is not engaged in either grant of loan or borrowing any money from any member of the webonline platform / Android app.

You acknowledge that the WWW.CAPZEST.COM / CAPZEST ANDROID APP managing this webonline platform / Android app and neither WWW.CAPZEST.COM / CAPZEST ANDROID APP or any of its subsidiary or affiliate has any interest in either grant of loan or in borrowing money from a member registered on the webonline platform / Android app.

You acknowledge that the WWW.CAPZEST.COM / CAPZEST ANDROID APP is not at all responsible for any claim or damage in case either the person who has agreed to grant loan has not granted loan or the person who has agreed to repay the loan do not repay the loan.

You acknowledge that the WWW.CAPZEST.COM / CAPZEST ANDROID APP in no manner warrants or guarantees the performance of a service provider that is providing services through the webonline platform / Android app of WWW.CAPZEST.COM / CAPZEST ANDROID APP.

You acknowledge that the WWW.CAPZEST.COM / CAPZEST ANDROID APP in no manner warrants and guarantees that the grantor of loan or the recipient of loan has provided all the information on this webonline platform / Android app which is true and correct including his address, phone numbers etc. You acknowledge that it is your responsibility to verify the information about the person on the webonline platform / Android app and WWW.CAPZEST.COM / CAPZEST ANDROID APP is in no manner liable if the information provided on this webonline platform / Android app is untrue or incorrect.

You acknowledge that WWW.CAPZEST.COM / CAPZEST ANDROID APP 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 about his financial status or commits a fraud or a cheating or any other such illegal act.

25.Disclaimer of Warranties

ALL DETAILS OF THE MEMBERS OF THIS WWW.CAPZEST.COM / CAPZEST ANDROID APP WEBONLINE PLATFORM / ANDROID APP AND THEIR FINANCIAL STATUS, INCLUDED IN OR AVAILABLE THROUGH THIS ONLINE PLATFORM ARE PROVIDED FOR USE WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, WWW.CAPZEST.COM / CAPZEST ANDROID APP, ITS SHAREHOLDERS, ITS HOLDING COMPANY, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT WARRANT THAT THE INFORMATION OR OTHER MATERIAL WHICH IS PALCED ON THE WEBONLINE PLATFORM / ANDROID APP BY ANY PERSON IS CORRECT INCLUDING HIS FINACIAL STATUS OR CAPABILITY OR HAS NOT APPROACHED THE OTHER USER OF THIS WEBONLINE PLATFORM / ANDROID APP WITH A CRIMINAL INTENT TO EITHER CHEAT OR MISAPPROPRIATE OR DENY ANY OTHER USER OF ITS LEGITIMATE CLAIMS. BY UPLOADING ANY CONTENT, REPRESENTATION OR STATEMENT OF YOUR FINANCIAL STATUS OR YOUR PROOF OF RESIDENCE YOU REPRESENT AND WARRANT THAT YOU HAVE THE LAWFUL RIGHT TO REPRODUCE AND DISTRIBUTE SUCH CONTENT AND THAT THE CONTENT COMPLIES WITH ALL LAWS AND IS TRUE AND AUTHENTIC AND IS NOT IN ANY EVENT PLACED ON THE WEBONLINE PLATFORM / ANDROID APP TO DEFRAUD OTHER USERS OR CREATE A FALSE IMPRESSION IN THEIR MINDS THAT YOU HAVE A SOUND FIANCIAL STATUS OR ARE REASONABLY COMMITTED TO DELIVER THE REPAYMENTS ON TIME. YOU ALSO REPRESENT THAT YOU HAVE NOT EVER BEEN ACCUSED TO ANY FRAUD, MISREPRESENTATION OR DEFAULT IN REPAYMENT OF ANY CLAIMS OR MONIES TO ANY THIRD PARTY WHETHER A FIANCIAL INSTITUTION OF NOT. YOU ALSO REPRESENT THAT THERE ARE NO OUTSTANDING DISPUTES IN CONNECTION WITH YOUR MORAL TURPITUDE OR FINANCIAL STATUS. YOU HEREBY REPRESENT AND WARRANT TO WWW.CAPZEST.COM / CAPZEST ANDROID APP THAT YOU ARE LEGALLY COMPETENT TO EXECUTE, BE BOUND BY AND ADHERE TO TERMS AND CONDITIONS OF TERMS AND CONDITIONS OF WWW.CAPZEST.COM / CAPZEST ANDROID APP. YOUR USE OF THIS ONLINE PLATFORM IS SOLELY AT YOUR RISK. YOU AGREE THAT WWW.CAPZEST.COM / CAPZEST ANDROID APP SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGES SUFFERED BY YOU IN CONNECTION WITH THIS ONLINE PLATFORM OR ANY CONTENT CONTAINED THEREIN OR ANY DAMAGE SUFFERED IN THE EVENT OF DEFAULT OR MISREPRESETATION BY ANY OTHER USER OF THS WEBONLINE PLATFORM / ANDROID APP.

26.Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL WWW.CAPZEST.COM / CAPZEST ANDROID APP, ITS SUBSIDIARIES, EMPLOYEES, OFFICERS, AFFILIATES, DIRECTORS, AGENTS, SUPPLIERS, SHAREHOLDERS, NON EXECUTIVE DIRECTORS OR ITS LICENSORS INVOLVED IN CREATING, PRODUCING, TRANSMITTING OR DISTRIBUTING PRODUCTS OR SERVICES ON THIS ONLINE PLATFORM, GRANTING OR RECEIVING LOAN FROM A MEMBER ASSOCIATED WITH THE WWW.CAPZEST.COM / CAPZEST ANDROID APP WEBONLINE PLATFORM / ANDROID APP BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM EITHER MISREPRESENTATION, FRAUD, COERCION, BREACH OF TRUST, MISAPPROPRIATION, CHEATING OR FOR ANY OTHER SUCH REASON OF ITS END USERS OR OF THIRD PARTIES INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS AND LOSS OF GOODWILL OR LOSS OF INTEREST.

27.Monitoring

In case it comes to your knowledge that any member of this webonline platform / Android app has committed default or fraud or misrepresents his financial status than you may inform WWW.CAPZEST.COM / CAPZEST ANDROID APP in writing and upon receipt of such information WWW.CAPZEST.COM / CAPZEST ANDROID APP shall call upon such third party to explain the allegations made in your Notice and upon receipt of an explanation from such third party WWW.CAPZEST.COM / CAPZEST ANDROID APP shall in its own discretion decide as to whether such a person should be prohibited from using the webonline platform / Android app.

28.Applicable Laws:

Your use of this Online platform and any Term and Conditions stated in this policy is subject to laws of India.

29.Jurisdiction

Courts of Mumbai will have exclusive jurisdiction of dealing with all disputes arising from use of this online platform.

30.Trademarks

The trademarks, logos and service marks ("Marks") displayed on the Online platform are the property of WWW.CAPZEST.COM / CAPZEST ANDROID APP and other respective persons. End Users are prohibited from using any Marks for any purpose including, but not limited to use as meta-tags on other pages or online platforms on the World Wide Web without the written permission of WWW.CAPZEST.COM / CAPZEST ANDROID APP or such third party which may own the Marks. All information and content including any software programs available on or through the Online platform ("Content") is protected by copyright. End Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Online platform for commercial or public purposes.

31.Changes to Terms and Conditions

WWW.CAPZEST.COM / CAPZEST ANDROID APP reserves the right to change these Terms and Conditions of its Service without informing you. The Terms and Conditions for existing orders shall be upheld by WWW.CAPZEST.COM / CAPZEST ANDROID APP. You should check our Online platform for any updated Terms and Conditions.

32.Miscellaneous

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. From time to time WWW.CAPZEST.COM / CAPZEST ANDROID APP may offer special promotional offers which may or may not apply to your WWW.CAPZEST.COM / CAPZEST ANDROID APP account. To avail of such promotional offers, you agree to be bound by any additional terms and conditions for these special offers which are laid down by WWW.CAPZEST.COM / CAPZEST ANDROID APP. This T&C and the relationship between you and WWW.CAPZEST.COM / CAPZEST ANDROID APP will be governed by the laws as applicable in India. Any dispute(s) arising out of this T&C will be handled in the competent courts of Delhi, India. The failure of WWW.CAPZEST.COM / CAPZEST ANDROID APP to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. WWW.CAPZEST.COM / CAPZEST ANDROID APP does not guarantee it will take action against all breaches of this T&C. Except as otherwise, expressly provided in this T&C, there shall be no third-party beneficiaries to this T&C. This T&C constitutes the entire agreement between you and WWW.CAPZEST.COM / CAPZEST ANDROID APP and governs your use of the Online platform, superseding any prior agreements between you and WWW.CAPZEST.COM / CAPZEST ANDROID APP with respect to the Online platform.

33.Payment Methods

You can pay WWW.CAPZEST.COM / CAPZEST ANDROID APP using – IMPS payments services. For your convenience we are adding more secure payment methods all the time. Please check back soon. All transactions are processed in Rupees.

Contact Us

Capzest
D-3143, 3rd Floor Oberoi Garden Estates
Chandivali, Mumbai - 400072
Phone:(+91)-7045950294
Email: support@capzest.com