Optimus Finance Limited, a company incorporated under Indian laws having its registered office at 301, Atlantis Heritage, Dr. Vikram Sarabhai Marg, Vadi-Wadi, Vadodara, Gujarat – 390003, India hereinafter referred to as “Optimus Finance” operates the web site accessible from the URL www.creditmate.in (the 'Web Site' or ‘CreditMate’).
This document/agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011.
You acknowledge and agree that Optimus Finance owns all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights are registered or not). You further acknowledge that the Services may contain information which is designated confidential by Optimus Finance and that you shall not disclose such information without Optimus Finance's prior written consent.
Optimus Finance grants you a limited license to access and make personal use of the website and the Service. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of Optimus Finance's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.2. Usage of the Website
The Website is intended for personal, non-commercial use. Only register to become a member of the Website if you are above the age of 18 and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).
You also agree to provide true, accurate, current and complete information about yourself as prompted by the website. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Optimus Finance has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Optimus Finance has the right to suspend or terminate your account and refuse any and all current or future use of the website (or any portion thereof) or service/products in connection thereto.
By making use of the website, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that Optimus Finance may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. You specifically understand and agree that by using the website you authorize Optimus Finance and its affiliates and partners to contact you in for any follow up calls in relation to the Services provided through the website. You expressly waive the Do Not Call registrations on your phone/mobile numbers for contacting you for this purpose. You also agree that Optimus Finance reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Optimus Finance through emails or sms.
The usage of the website may also require you to provide consent for keying in your Sensitive Information (SI) (including but not limited to user ids and passwords), as may be necessary to process your application through this website. Sensitive information keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you. Optimus Finance shall adhere to best industry practices including information security, data protection and privacy law while processing such applications and the sensitive information interface where key in of SI is required shall not be stored. However, Optimus Finance shall not be liable to you against any liability or claims which may arise out of such transactions.
You may only use the Website to search for and to apply for loans or other financial products as may be displayed on the website from time to time and you shall not use the Website to make any fraudulent applications. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.
Display of loan or other financial products on the website does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of Optimus Finance against such third parties or their products. You agree that Optimus Finance is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and Optimus Finance 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.5. Disclaimer of warranty
The Website and all content and services provided on the Website are provided on an "as is" and "as available" basis. Optimus Finance expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Optimus Finance makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any services offered through the website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the website will meet your expectations6. Limitation of liability
Optimus Finance and its servicer Urja Money Private Limited (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) 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 lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the 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 (b) 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.7. Indemnity
You agree to indemnify and hold Optimus Finance and its servicer Urja Money Private Limited (and its officers, directors, agents and employees) harmless 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 attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the website.8. Return, Refund and Cancellation policy
Any loans disbursed by Optimus Finance cannot be cancelled by the Borrower in any condition. The borrower shall repay the Loan to the Lender in the manner and installments as stipulated in the amortization sheet. Any Outstanding Dues other than the Loan shall be repaid within one working day of a demand made by the Lender. The payment of such installments shall be made by the Borrower to the Lender at the address mentioned herein above or at the place appointed by the Lender from time to time and failing such appointment, at the office of the Lender. Any delay in repayment of the EMI will result in penalty and penal charges
The Borrower cannot preclose any loan before 6 months without full repayment of the loan amount, interest and all penal & other charges.
Optimus Finance makes no warranty towards the asset purchase by the Borrower and hence will not entertain any return, refund on cancellation due to the any dispute between the dealer from which the two-wheeler has been purchased and the Borrower.
In case extra charges have been collected by Optimus Finance towards repayment of the EMI, penalty, late payment charges and the same has been confirmed by Optimus Finance, then Optimus Finance will refund the extra amount, if any, to the Borrower9. Additional terms
You may not assign or otherwise transfer your rights or obligations under these Terms. Optimus Finance may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. We may modify these Terms, at any time, by posting notice on the Website at least ten (10) days before any modification becomes effective. Usage of the Website following the posting of notice of any modification will be subject the Terms in effect at the time of your usage. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Website in any way, your only recourse is to immediately terminate use of the Website. Other terms and conditions may apply to loans, mutual funds,, credit cards or other financial products that you applied for on the Website. You will observe these other terms and conditions. If any of these Terms is founded to unenforceable or invalid by a court, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will continue to remain valid and enforceable. These Terms, together with those agreements made a part of these Terms by reference, make up the entire agreement between Optimus Finance and you relating to your use of the Website, and replace any prior understandings or agreements (whether oral or written) regarding your use of the Website. The laws of the India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of them. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in Mumbai, India. In any such action or any action we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.10. Feedback
Please feel free to share your feedback with us. We will assume no responsibility for reviewing unsolicited ideas and will not incur any liability as a result of any similarities between those ideas and materials that may appear in future Optimus Finance programs. Please do not reveal trade secrets or other confidential information in your messages to Optimus Finance. Any and all rights to materials submitted to us become the exclusive property of Optimus Finance and its servicer Urja Money Private Limited.