END USER LICENCE AGREEMENT
THIS WEBSITE WWW.STASHFIN.COM ITS MOBILE PHONE APPLICATION(S) AND OTHER RELATED INTERNET BASED APPLICATIONS INCLUDING STASHFIN APP (COLLECTIVELY REFERRED TO AS “WEBSITE/APPLICATION” OR “STASHFIN”) OWNED AND OPERATED BY EQX ANALYTICS PRIVATE LIMITED, A COMPANY INCORPORATED UNDER THE LAWS OF REPUBLIC OF INDIA HAVING ITS REGISTERED OFFICE AT 60, 3 rd FLOOR, KOTLA MUBARAKPUR, NEW DELHI, 110003, INDIA (HEREINAFTER REFERRED TO AS “STASHFIN”).
USERS OF WWW.STASHFIN.COM / STASHIN APP / ITS WEBSITE / APPLICATIONS ARE REQUESTED TO READ THE TERMS HEREIN AND CONFIRM YOUR ACCEPTANCE BY PRESSING “I AGREE” OR SIMILAR BUTTON TO REGISTER WITH WWW.STASHFIN.COM / STASHFIN APP / ITS WEBSITE / APPLICATIONS (“STASHFIN”).
- Role of StashFin: StashFin informs you that we are not a lender or financial institution and hence, have no part in lending or credit decisions. StashFin does not lend money to anyone rather StashFin acts as a bridge that connects you to lenders who are authorised to grant a Credit Line in India (hereinafter referred to as "Lender(s)").
- StashFin Account: To use the services offered by StashFin you have to register with StashFin and create a user account (“User Account”) and provide your details (“User Information”) together with the purpose of availing the Credit Line. You shall take note that few of the information is mandatory in nature and few will be optional. You agree to exercise diligence while creating your User Account and while submitting the User Information. You understand and agree that you have the choice not to submit any such details and avoid creation of User Account, however all details submitted shall be true and correct. You further declare/undertake that the User Information submitted is true and correct and shall be responsible for any error whatsoever. Further, you understand that the Lender(s) can rely on such information for a grant or reject your request for grant of Credit Line. You shall at all times keep password and user ID of your User Account confidential and shall be solely responsible for the user activities through your account. The facilities and services which are available with your StashFin Account are available on the StashFin App/ its website/ applications.
- Service Charges: StashFin will be entitled to charge service charges as mentioned under the head Service Charges in the Website/Applications. You agree to make payment to StashFin as per invoice from StashFin.
- Grant of Authority: By creating User Account and submitting User Information you are explicitly agreeing that you are requesting Credit Line from the Lender(s) which StashFin may connect you. Further, you grant authority for the following:
- For such Lender(s) to reach out to you through email, post, telephone or through any other media now or in future with the intention to assist you in getting the Credit Line.
- To provide information with respect to your interest in Credit Line to third-party marketing companies to offer additional services or products.
- To provide credit checks or background checks based on the User Information and submit the same to the Lender(s), you understand and agree that StashFin shall in no way be responsible for the outcome of the checks.
- To know through phone calls, or SMS, or e-mails on users mobile number, various Credit Line offer schemes or Credit Line promotional schemes or any other promotional schemes.
- Confirm that laws in relation to the unsolicited communication referred in "NATIONAL DO NOT CALL REGISTRY" as laid down by TELECOM REGULATORY AUTHORITY OF INDIA will not be applicable for such communication/ calls/ SMS/ e-mails received from StashFin. it's employees, agents and/or associates.
- To co-ordinate for recovery of Credit Line in case of any delay in repayment.
- Your requests: Your StashFin Account will provide you information about Credit Line offered by Lender(s) and indicative terms, your expression of interest to avail Credit Line to the Lenders for further processes. Further, your User Information will be submitted with Lender(s) among other details as may be required by the Lender(s).
- Grant of Credit Line: You are required to note that all Lender(s) whom we connect may not offer Credit Line. The decision of lending i.e., to sanction a Credit Line or rejection of your Credit Line application as well as the Credit Line depends solely on the Lender(s). Once a Lender(s) approves the Credit Line the terms prescribed by the Lender(s) shall be, and you may approve or choose to accept it. You may also consult a professional before making your decision. You will be informed about approval or rejection or status of your interest to avail Credit Line. Upon sanction of Credit Line by Lenders you may approve or reject the terms of Credit Line sanction through the Application. Once you agree to accept terms of Credit Line sanction by the Lender(s) through the Website/Application, you shall execute the necessary agreement as a borrower with the Lender(s).
- Terms of Disbursement: You agree that the terms of disbursement and purpose of Credit Line shall be as agreed on the StashFin App/ Website.
- The rate of Interest and charges: Rate of interest for Credit Line and charges will be governed as agreed on the StashFin App/ Website.
- Other Representation and warranties: The User herein confirms the following: (a) User is an Indian resident as per Foreign Exchange Management Act, 1999 and Income Tax Act, 1961. (b) Meet the criteria prescribed in Indian Contract Act, 1872 to enter into Agreement and have legal competence and capacity. (c) Has sufficient income to repay the Credit Line applied from Lender(s). (d) Has identity proof. (e) Has income proof. (f) Has a valid and active bank account. (g) the details submitted through the StashFin App/ Website are true and correct.
- Disclaimers: StashFin may advertise certain Credit Line products of the Lenders, however, that does not mean that StashFin warrants or represents any the services of any Lender(s). Moreover, the Credit Line conditions offered by the Lender(s) may not always suit your requirements. If you are unsure about any aspect of the Credit Line given by the Lender(s) StashFin takes no responsibility towards the offer made by the Lender(s), and there is no involvement of StashFin whatsoever in these decisions. Furthermore, StashFin has no role in determining how a Financial Service Provider may use the information given by you. By continuing to use this Application, you are acknowledging that StashFin is not liable for any damages or costs, financial or otherwise, incurred by you due to your transaction with any Lender(s).
- Indemnification: The user herein agree to indemnify and hold StashFin harmless from and against any and all claims, action, liability, cost, loss, damage, endured by StashFin by User’s access to the Application in violation to the listed terms of service and also to the applicable laws, rules and regulations or agreements prevailing from time to time.
- References: Any reference to a statutory provision shall include such provision as is from time to time modified or re-enacted or consolidated so far as such modification or re-enactment or consolidation applies or is capable of applying to any transactions entered into hereunder.
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