TERMS AND CONDITIONS Access to and use of this Website ('www.Paisawaisa.com'), software, associate websites and Services, including Loans, Insurance, Credit Cards, Investment, Banking, Real Estate, Advertisements, Blogs, Forums, Poll, Live Chat, Classified, Games, News, Quiz/ Contests (Collectively referred as 'Services' in this document) are provided by Paisawaisa.com (hereinafter 'Paisawaisa', 'Company' or 'We/ Us/ Our' as the context requires) subject to following terms and conditions: By accessing the website or by using the services you agree to be legally bound by these terms, which shall take effect on the date on which you first use the site. If you do not agree to be legally bound by all the following terms please do not access and/or use this website. Additional Terms of Use may apply to you for a particular Service, which along with these Terms and Conditions form a legally binding agreement between YOU and Paisawaisa. Paisawaisa may modify these terms, the features of any service offered through the website; charge/change the fees for any service at any time by posting any modifications online. The amended terms become applicable to You upon publication. Please review these terms regularly to ensure you are aware of any changes made by us. Your continued use of Services after changes are posted means you agree to be legally bound by these terms as updated and/or amended. In the event of any inconsistency between these Terms and the amended terms, the provisions of the amended terms shall prevail. WEBSITE TERMS OF USE You agree to use this site only for lawful purposes, and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this site by any third party. Such restrictions or inhibitions includes, without limitation, conduct which is unlawful, or which may harass or cause distress or inconvenience to any person, and the transmission of obscene or offensive content or disruption to the normal flow of dialogue within this site. The website offers you services with respect to Loans, Insurance, Credit cards, Banking, Investment, Real Estate, Tax, comparison services, etc. through third party service providers, such as, Lenders, Brokers, Insurance Providers, Insurance Agents, Banks, Finance Companies, Builders, Real Estate Agents, etc. You agree that additional terms of third party service providers may apply to you in order to access and avail these services. The Comparison Table, Data and any other content is provided by the third party advertisers, merchants and users, and are made available to you through the website without any amendments, alterations or modifications. Paisawaisa, therefore, does not guarantee the accuracy of information provided and disclaims all liabilities arising thereby. Paisawaisa neither endorses the views, claims, advice expressed through any third party/person nor acts as a representative of any third party service provider. Paisawaisa merely acts a facilitator of services of third party service providers through a common platform, www.paisawaisa.com. Paisawaisa, therefore, strongly suggests you to verify the facts and information provided through paisawaisa.com at your end and to consult your own financial, tax or legal advisors, before relying on or taking any decision on the basis of facts, views or opinions expressed through the Website. You further agree not to: 1) Harvest or collect email addresses or other contact information of Users from the Service or the Site by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications. 2)Use automated scripts to collect information from the Service or the Site or for any other purpose. You further agree that you may not use the Service or the Site in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Site. 3) Register for multiple accounts, or create a false user account, on behalf of any individual or company, showing false identity or association, or use or attempt to use other user's account; 4) Post third party information, including but not limited to, personally identifiable information, financial information, etc. The User is solely responsible for the content, including without limitation photos, videos, graphics, sounds, music, opinions, remarks, views etc. posted by him/her on the website and for his/her interactions with other members using its interactive community features. We have no control over the same and we do not endorse any user submission. Paisawaisa reserves the right, but does not guarantee to monitor or review the content posted by you on the site. The views, expressions etc published on the website are not necessarily the views or expressions of Paisawaisa and we do not give any warranties express or implied with regards to the accuracy, usefulness, safety etc. of the user submissions and you at your sole risk and responsibility choose to rely on the same. You agree that you are solely responsible for the consequences of posting/publishing, using and/or relying on any material on the website. Paisawaisa reserves the right in its sole discretion to reject or remove any material posted by you on the website, to restrict, suspend or terminate your access to any or all parts of the website for any reason whatsoever with or without prior notice. You bear all the risks and/or losses suffered by you by your use of the content on the website as you may find the content on the website objectionable, obscene, offensive, indecent or inaccurate. We in our sole discretion will decide on the objectionability of the content and may remove or delete it in our sole discretion. By use of the website You consent to receive promotional communications and documents electronically from us, our group companies and business associates and partners in the form of emails. MEMBERSHIP The persons who can form legally binding contracts under and are "competent to contract" within the meaning of the Indian Contract Act, 1872 only, are allowed to use the site. If you are a minor (under the age of 18 years), you cannot register as a member of the Site and cannot avail the services through the website. By using the website, you represent and warrant that you are 18 years or older. The company/We, in our sole discretion without incurring any liability, may terminate your account, delete your profile and prohibit you from using any services, at any time, with or without reason. REGISTRATION In order to avail the Services, you are required to register with us. While registering for an account we may ask you to submit your personal and financial details in order to verify your credentials. You agree to provide true, accurate, current and complete information about yourself as prompted by user/ registration form (such information being the "Registration Data") and maintain and promptly update the Registration Data to keep it true, accurate, current and complete. You agree that we in our sole discretion may terminate your membership with us if the information provided to us is found to be false, inaccurate, not current or incomplete. Once you register with the Website and become a Member, you authorise us to conduct identity, fraud, or credit checks. Once you successfully register, we will create Your account with us, and may provide you with a User ID and Password. Mere registration with us does not guarantee that you may be able to access/ avail the services through the site. You are responsible for maintaining the confidentiality of your account and Password, and you agree to accept responsibility for all activities that occur under your account or Password. You are advised to change the password on receipt of user name and password from us. You must notify us immediately of any breach of security or unauthorized use of your account. Although we are not liable for any losses caused to you due to unauthorized use of your account but you are liable to indemnify us and our business associates for any loss suffered due to the unauthorized use of your account. USER SUBMISSIONS ou understand that you are the owner of all remarks, discussions, ideas, concepts, know-how, techniques, photos, videos, graphics or other submissions communicated to Paisawaisa by accessing the Website or the Services (Blogs, Forums, Live Chats, Polls, etc.) through this Site (collectively, "User Submissions") or you have the legitimate license/permission from the owner to use and/or publish the submissions in the way you are using and/or publishing it on the website. By submitting or uploading any material/content on the website you hereby agree to grant Paisawaisa a perpetual, worldwide, non-exclusive, royalty-free, irrevocable, sub-licenseable and transferable license to use, reproduce, modify, distribute, transfer, transmit, prepare derivative works of, display, and publish it in any way Paisawaisa deems fit which includes without limitation publication on the website, distribution through any medium, making it available for download by the users, storing it in any form, medium, or technology presently in knowledge or developed at a later date. You also hereby grant each user of the Paisawaisa a non-exclusive license to access your User Submissions through the Website. Paisawaisa shall not be liable for any use/misuse of such user submissions by any visitor of the website.We shall not be subject to any obligations of confidentiality regarding Submissions except as expressly agreed by Company or as otherwise required by applicable law. Through this site you may be able to seek advice through Advisors who have joined the website in their Individual Capacity. Any views, ideas, opinions, advice or expressions provided by those Advisors through this website are their personal views, ideas, opinions, advice or expressions and not endorsed by the Company and should not be construed as such. You acknowledge that any reliance on any such views, ideas, opinions, advice, expressions or information shall be at your sole risk. Company does not give any warranties express or implied with regards to the accuracy, usefulness, safety etc. of such advice of Advisors. You understand and agree that Company shall not be liable or responsible for any claims, damages, losses incurred by you by relying on such views, ideas, opinions, advice or expressions provided by the Advisors. Without incurring any liability Paisawaisa declaims all responsibility for any User Submission made through the site. You are requested to use caution while submitting any material on the website as Paisawaisa strictly prohibits PORNOGRAPHY on its website. At all times it shall be your responsibility as a registered user to ensure that any User submission made by you on the site shall not: Be offensive, defamatory, derogatory, obscene or one that promotes obscenity, pornography, is violent, or unlawful; Infringe any intellectual property laws and copyright in the User Submissions belong to you or you have taken the necessary permission from the copyright owners of the content; Infringe any privacy and publicity rights of other users Contain any viruses, Trojan horses, or other similar computer programmes that may damage, detrimentally interfere with, intercept or expropriate any system, data or personal information; Infringe any privacy and publicity rights of other users Contain any viruses, Trojan horses, or other similar computer programmes that may damage, detrimentally interfere with, intercept or expropriate any system, data or personal information; Amount to engaging in an activity that violates any provisions of Information Technology Act, 2000. Amount to solicitation of business, or advertisement; Create a liability for the Company or cause it to lose (in whole or in part) the services of its ISPs or other suppliers; Enable other users or third parties to access your personal/personally identifiable information; Infringe any applicable domestic and International, Tax and Financial Laws; If you come across any such contravention by any other user/member of the website then do report to us at abuse@paisawaisa.com Paisawaisa reserves the right to take legal action against the user who is found to be in contravention of the above mentioned guidelines. If you are the copyright owner of any material posted by any other member on the website without your knowledge, consent or permission then you can notify us of the same at copyright@paisawaisa.com with necessary contact details and evidence to support your contentions. Paisawaisa prohibits intellectual property rights violations and will therefore remove the content which is found to be infringing the intellectual property rights of any person/party. LINK TO THIRD PARTY SITES If you decide to access any third party website either referred to in or linked to the Website, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. The Company would always recommend that you read the posted privacy statement and/or terms and conditions of use whenever interacting with any such third party website. The Company provides any such referrals and/or links for your convenience only and excludes all liability arising or resulting there from Any purchase made by You through the third party Merchant Websites, is at your risk and responsibility. Paisawaisa shall not be liable or responsible for any purchase, payment, defects or any other claim in respect of goods/ services purchased by you from any third party merchants and the same shall be the liability of respective merchants COPYRIGHT & TRADEMARK The names, images and logos identifying Paisawaisa.com, and its services are proprietary marks of or are licensed to the Company, its associates, partners and its subsidiaries. All copyright, trade marks and other intellectual property rights in this site (including the design, arrangement and look and feel) and all material or content supplied as part of the site shall remain at all times the property of the Company its associates, partners and its subsidiaries. Material on this site may not be copied, reproduced, republished, downloaded, posted, broadcasted or transmitted in any way except for your own personal non-commercial use. Prior consent (written) of the licensor/company should be taken if the information is required in some specific circumstances. We reserve the right to take suitable action against you to recover any damages on account of your unauthorised use. Paisawaisa.com, graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks, trademarks or trade dress of Company in India and/or other countries. Company's trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of the Company. DISCLAIMER OF WARRANTIES WHILE COMPANY TRIES HARD TO ENSURE THAT THE WEBSITE IS FUNCTIONING CORRECTLY AND IS AS ACCURATE AS POSSIBLE, THIS WILL NOT ALWAYS BE ACHIEVABLE AND THEREFORE THE FOLLOWING DISCLAIMER APPLIES THIS SITE AND THE INFORMATION (INCLUDING USER CONTENT OR THIRD PARTY CONTENT), NAMES, IMAGES, PICTURES, LOGOS AND ICONS RELATING TO SERVICES (OR TO THIRD PARTY PRODUCTS AND SERVICES), IS PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES. THIS INCLUDES, WITHOUT LIMITATION AND EVEN IF THE COMPANY IS ADVISED OF THE POSSIBILITY THEREOF, ANY DAMAGES FOR LOSS OF GOODWILL OR ANY AND ALL OTHER COMMERCIAL DAMAGES OR LOSSES INCLUDING LOSS OF PROFIT THAT RESULTS FROM THE USE OF, DELAY IN, OR INABILITY TO USE OUR SERVICES OR FOR ANY CONTENTS, INFORMATION, SOFTWARE, FEATURES AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE. THE USER AGREES NOT TO RELY ON ANY INFORMATION OBTAINED FROM THE WEBSITE AND INDEMNIFIES THE COMPANY FROM MISTAKES, OMISSIONS, ERRORS, INTERRUPTIONS, DELAYS OF SERVICE OR PERFORMANCE, DEFECTS, HARMFUL COMPONENTS, VIRUSES AND BUGS, HOWSOEVER CAUSED. THE ENTIRE RISK AS TO THE USE OF THIS WEBSITE IS WITH THE USER. THIS WEBSITE IS NOT RESPONSIBLE OR LIABLE FOR TELEPHONE, NETWORK, ISP, ELECTRONIC, COMPUTER OR OTHER COMMUNICATION PROBLEMS OR FAILURES OF ANY KIND., WE ASSUME NO LIABILITY FOR ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, TO THE EXTENT PERMITTED BY LAW, THE COMPANY ACCEPTS NO RESPONSIBILITY OR LIABILITY ARISING OUT OF OR IN RELATION TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION CONTAINED ON THE WEBSITE OR ANY OTHER INFORMATION, HOWSOEVER PROVIDED TO YOU. THE INFORMATION AND OTHER MATERIALS INCLUDED ON THIS SITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. THE COMPANY CANNOT GUARANTEE AND DOES NOT PROMISE ANY SPECIFIC RESULTS FROM USE OF THE SITE AND/ OR THE SERVICE. THE COMPANY DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION AND MATERIALS OR THE RELIABILITY OF ANY STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH STATEMENT OR INFORMATION SHALL BE AT YOUR SOLE RISK. THE COMPANY RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PART OF THE SITE AND TO MAKE CHANGES TO THE SITE AND TO THE MATERIALS, PRODUCTS, PROGRAMS, AND SERVICES DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE. THE CONTENT, IN THIS WEBSITE ISPROVIDED ON AN AS IS BASIS AND YOU ARE ADVISED TO CHECK AND CONFIRM THE SAME BEFORE AVAILING THE SERVICES AND RELYING ON THE CONTENT. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONALITY OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT ANY DEFECT, WHETHER REPORTED OR OTHERWISE WILL BE CORRECTED. THE COMPANY ALSO DO NOT WARRANT THAT THE WEBSITE AND THE SERVERS THAT MAKE THE SERVICES AVAILABLE RUN IN A VIRUS FREE ENVIRONMENT, THOUGH WE TAKE ADEQUATE CARE TO DO VIRUS CHECK. ALL USERS AGREE THAT THEY ACCESS AND USE THIS WEB SITE AT THEIR OWN RISK. ANY VIEWS EXPRESSED BY THIRD PARTIES ON THE SITE ARE NOT SHARED BY US, THUS WE ACCEPT NO RESPONSIBILITY FOR SUCH VIEWS. THE COMPANY MAKES NO WARRANTY, EXPRESS OR IMPLIED, WITH REGARDS TO PRODUCTS OR SERVICES OBTAINED FROM THE WEBSITE NOR DOES IT ACCEPT LIABILITY FOR ANY RESULTING DAMAGE OR LOSS. LIMITATION OF LIABILITY COMPANY, ITS SUBSIDIARIES, ITS PARTNERS, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR IN CONNECTION WITH THE SITE, ITS SERVICES OR THIS TERMS AND CONDITIONS. ANY TYPOGRAPHICAL, CLERICAL OR OTHER ERROR OR OMISSION IN THE WEBSITE IS SUBJECT TO CORRECTION WITHOUT ANY LIABILITY ON OUR PART. UNDER NO CIRCUMSTANCES WILL COMPANY BE HELD RESPONSIBLE OR LIABLE, IN ANY WAY, FOR ANY USER SUBMISSION AND/OR ANY OTHER CONTENT WHICH IN LEGAL OPINION IS DEROGATORY, THREATENING, DEFAMATORY, OBSCENE OR OFFENSIVE OR OFFENDS PUBLIC SENSIBILITIES OR MORALS AND SHALL ALSO NOT ASSUME LIABILITY FOR ANY ERRORS OR OMISSIONS IN ANY CONTENT, OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED OR UPLOADED ON THE SITE, OR ANY INFRINGEMENT OF ANOTHER'S RIGHTS, INCLUDING INTELLECTUAL PROPERTY RIGHTS. YOU SPECIFICALLY AGREE THAT COMPANY IS NOT RESPONSIBLE FOR ANY CONTENT SENT USING AND/OR INCLUDED IN COMPANY'S SITE/SERVICE BY ANY THIRD PARTY AND THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS SOLELY WITH YOU. THE WEBSITE IS CONTROLLED AND OFFERED BY PAISAWAISA FROM ITS FACILITIES IN INDIA. WE DO NOT MAKE ANY REPRESENTATIONS THAT THE WEBSITE IS AVAILABLE AND FIT TO USE IN OTHER JURISDICTIONS. THE USERS OF OTHER JURISDICTIONS WHO WISH TO ACCESS THE SITE SHALL DO IT AT THEIR SOLE RISK AND RESPONSIBILITY AND SHALL BE LIABLE FOR COMPLIANCE WITH APPLICABLE LAWS OF THEIR JURISDICTION. INDEMNITY You (the 'Indemnifying Party') agree to defend, indemnify and hold harmless Company and its affiliates, directors, officers, employees, and agents (the 'Indemnified Party') from and against any claim, suit, demand, loss, damage, expense (including reasonable Lawyers' fees and costs) or liability that may result from, arise out of or relate to: a) any breaches of express representations, warranties or covenants in relation to the non-fulfilment of any of your obligations under this Agreement; b) any claim against the Indemnified Party by a third party with a contractual relationship or in privity with the Indemnifying Party; and c) arising out of the your 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. Failure on the part of Company 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. This clause shall survive the expiry or termination of this User Agreement. You will indemnify and hold harmless Company, its subsidiaries, its partners, its affiliates, directors, officers, employees, and agents against all third party claims, demands and actions brought against Company which arises from or relates to the material submitted by you. PRIVACY POLICY Our Privacy Policy explains how we protect and respect the data we collect from you. Your use of this site constitutes acceptance of this policy. TERM & TERMINATION You may terminate this User Agreement, by discontinuing further use of this Site. Company may immediately terminate this User Agreement at any time without prior notice, and deny you access to the Site. Such termination will be without any liability to the Company. Any such termination of the User Agreement shall not cancel your obligation to pay for the services availed from the Site or affect any liability that may have already arisen under the User Agreement. The following provisions of this Agreement shall survive termination of your use or access to the Site: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Applicable Law and Dispute Resolution, and any other provision that by its terms survives termination of your use or access to the Site. WAIVER Our failure to enforce your strict performance of any provision of the terms and conditions will not constitute a waiver of our right to subsequently enforce such provision or any other provision of the terms and conditions SEVERABILITY These Terms and conditions constitute the entire agreement between you and Paisawaisa regarding the use of the Site and/or the Service, superseding any prior agreements between you and Company relating to your use of the Site or the Service. The clauses of these Terms & Conditions shall be read and construed independently of each other. If any part of this agreement or its paragraphs, sub-paragraphs or clauses be found invalid, that provision shall be enforced to the maximum extent possible; however, it shall not affect the remaining clauses. DISPUTE RESOLUTION In relation to the Services offered through the website, you may complain by emailing our Customer Complaints Division at and a senior manager will look into the matter personally and will endeavour to resolve your problem to your satisfaction. In relation to any agreement/ contract that you may enter into with other members, you are entirely/ solely responsible to resolve a dispute that you may have with such member. Company merely monitors and assists its members in completing a transaction through its website and do not undertake to resolve any dispute arising due to or in relation to such transaction LAW AND JURISDICTION This Agreement and all other aspects of your use of the Site shall be governed by and construed in accordance with the laws of India. Any claim or dispute between you and us that arises in whole or in part from your use of the Website shall be decided exclusively by a court of competent jurisdiction located in Delhi, India. Both the parties shall be bound to submit all disputes howsoever arising out of or in connection with the use of the Website to the sole arbitrator to be nominated and appointed by Paisawaisa. The arbitration shall in all matters be governed by the Arbitration and Conciliation Act, 1996. The place of arbitration shall be Delhi, India. The language to be used in the arbitration proceedings shall be English. The award of the arbitration proceedings shall be final and binding on both the parties to the extent permissible in law. DATA PROTECTION We collect your personal information when you register yourself as a member/user of our website. By submitting your details you agree to receive promotional marketing messages including but not limited to newsletters, SMS, mailers from the Company, its different trading styles, business associates, partners, group companies, affiliates and third parties regarding their products/services which may be of interest to you. If you do not wish to receive such promotional marketing messages then kindly email us atunsubscribe@paisawaisa.com We make good faith efforts to provide you access to your personal information upon request and to let you correct such data if it is inaccurate and amend it, when reasonably possible. We may disclose your personal information to any governmental, administrative, regulatory or judicial authority as and when required under law, in cases where it is obligatory to do so. Further, Company can (and you authorize Company to) disclose your details in reference to any complaint received against you regarding your use/misuse of the website, as we in our sole discretion believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringement, piracy, or other unlawful activity.