Terms And Conditions Individuals who are registering themselves at www.switchmyloan.in, are authorizing us & our associated Banks/NBFCs partners and advertisers to give them an sms/call/e-mail to offer services for the product they have opted for, providing product knowledge, intimation of promotional offers running on the website & various FINANCIAL offers from associated third parties. And Irrespective of the fact if they have subscribed under DND or DNC service still Switchmyloan.in and partnering Banks/NBFCs and advertisers are authorized to give a call/sms/e-mail for the aforesaid purposes.
You hereby consent to Switch My Loan being appointed as your authorised representative to receive your Credit Information from Experian/CIBIL/EQUIFAX/CRIF for the purpose of Credit Assessment of the End User to Advise him on the best loan offers (End Use Purpose) or expiry of 6 months from the date the consent is collected; whichever is earlier. You hereby also agree to Terms & Conditions
Switchmyloan.in ensures that the individual’s loan application is sent
to bank which they have opted for, in case or otherwise, the lender/bank will be
selected only with the customer’s due consent. All the loan schemes are on discretion
with the associated Banks/NBFCs partners and Advertisers.
Switchmyloan.in collects personally identifiable information when an individual inputs hie/her information on Loansbazaar site. They can use certain Switchmyloan.in products or services, when they visit Switchmyloan.in pages, and enter promotions or sweepstakes. Switchmyloan.in may also receive personally identifiable business information from our authorized partners.
When individuals attempt to register at Switchmyloan.in, they are been asked for their first name, last name, gender, zip/postal code,email, country, time zone, state, city and birth date. Once they get registered with Switchmyloan.in and sign in to our services, they will not be anonymous to us.
Also during the registration process, they will be requested to register their mobile numbers and email id, pager, or any other wireless device for communication in order to receive text messages, notifications, and other services. By registration they authorize us to send sms/email alerts to subscribers for their login details and alerts or some advertising messages/emails from us.
If at any time during the service tenure registered individuals wish to stop these sms/email alerts they can write an email to us along with mobile numbers and their mobile number will be deleted from the alerts database.
Switchmyloan.in does not provide the guarantee whether the advertisers are good, credible or quality sellers of goods / service providers. People must satisfy themselves about all relevant points prior to availing of the terms of service. Switchmyloan.in has not discussed any terms of engagement with any of the listed advertisers. Purchasing of products or services from advertisers shall be at their own risk.
We care about your privacy as much as you do. What it means is:
- We never share your personal information with others unless required by law.
- Your information is used only to complete the switching requested by you.
- We send you updates, promotions and offers but you can easily remove yourself from our email list. But we maintain your records in our archives to readily serve you in the future.
- Our highest priority is to make sure that your information stays safe and secure. This is why, we take steps to make sure that our servers and your information are completely protected.
Your use of a Switchmyloan.in website www.Switchmyloan.in (hereinafter referred to
as "Switchmyloan.in") and services and tools are governed by the following terms and
conditions. If you transact on Switchmyloan.in, you shall be subject to the policies
that are applicable to the website for such transaction. By use of the website, you
are contracting with Switchmyloan.in Technologies and Services Private Limited, a
company incorporated under Companies Act, 1956 and these terms and conditions
constitute your binding obligations.
ACCESSING, BROWSING OR OTHERWISE USING THE SITE INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS IN THIS AGREEMENT, SO PLEASE READ THIS AGREEMENT CAREFULLY BEFORE PROCEEDING
Use of the Switchmyloan.in Website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Switchmyloan.in Website. If you are a minor i.e. under the age of 18 years, you shall not register as a member of the Switchmyloan.in and shall not transact or use Switchmyloan.in website. As a minor if you wish to use or transact on Switchmyloan.in, such use or transaction may be made by your legal guardian or parents who have registered as users of the Switchmyloan.in. Switchmyloan.in reserves the right to terminate your membership and refuse to provide you with access to the Switchmyloan.in if it is brought to Switchmyloan.in’s notice or if it is discovered that you are under the age of 18 years.
Your Account and Registration Obligations
When You use the Website or send emails or other data, information or communication to Switchmyloan.in, You agree and understand that You are communicating with Switchmyloan.in through electronic records and You consent to receive communications via electronic records from Switchmyloan.in periodically and as and when required. Switchmyloan.in may communicate with You by email or by such other mode of communication, electronic or otherwise.
Switchmyloan.in does not charge any fee for browsing on the Switchmyloan.in Website. Switchmyloan.in charges a fee for executing a switch in service providers on your behalf. However Switchmyloan.in reserves the right to change the fee and change its policies from time to time. In particular, Switchmyloan.in may at its sole discretion introduce new services and modify some or all of the existing services offered on the Switchmyloan.in. In such an event Switchmyloan.in reserves, without notice to You, the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to the Fee and related policies shall automatically become effective immediately once implemented on Switchmyloan.in. Unless otherwise stated, all fees shall be quoted in Indian Rupees. You shall be solely responsible for compliance of all applicable laws including those in India for making payments to Switchmyloan.in.
Use of Switchmyloan.in Website www.Switchmyloan.in
You agree, undertake and confirm that your use of Switchmyloan.in shall be strictly governed by the following binding principles:
- You shall not host, display, upload, modify, publish, transmit, update or share any information that:
- Belongs to another person and to which You have no right to.
- Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to "indecent representation of women" within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
- Is misleading in any way
- Is patently offensive to the online community, such as sexually explicit content, or content that promotes obscenity, pedophilia, racism, bigotry, hatred or physical harm of any kind against any group or individual;
- Harasses or advocates harassment of another person;
- involves the transmission of "junk mail," "chain letters," or unsolicited mass mailing or "spamming";
- promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous;
- infringes upon or violates any third party's rights [(including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person's name, email address, physical address or phone number) or rights of publicity];
- promotes an illegal or unauthorized copy of another person's copyrighted work (see "Copyright complaint" below for instructions on how to lodge a complaint about uploaded copyrighted material), such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files;
- contains restricted or password-only access pages, or hidden pages or images (those not linked to or from another accessible page);
- provides material that exploits people in a sexual, violent or otherwise inappropriate manner or solicits personal information from anyone;
- provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses;
- contains video, photographs, or images of another person age 18 or older without his or her express written consent and permission or those of any minor (regardless of whether you have consent from the minor or his or her legal guardian).
- tries to gain unauthorized access or exceeds the scope of authorized access (as defined herein and in other applicable Codes of Conduct or End User Access and License Agreements) to the Sites or to profiles, blogs, communities, account information, bulletins, friend request, or other areas of the Sites or solicits passwords or personal identifying information for commercial or unlawful purposes from other users;
- solicits gambling or engages in any gambling activity which Switchmyloan.in, in its sole discretion, believes is or could be construed as being illegal;
- interferes with another user's use and enjoyment of the Switchmyloan.in Website or any other individual's user and enjoyment of similar services;
- harm minors in any way;
- infringes any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen items;
- violates any law for the time being in force;
- deceives or misleads the addressee/ users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
- impersonate another person;
- contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any Trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
- Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.
- shall not be false, inaccurate or misleading;
- shall not, directly or indirectly, offer, attempt to offer, trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force.
- shall not create liability for us or cause us to lose (in whole or in part) the services of our ISPs or other suppliers;
- You shall not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Website or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Website or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Website. Switchmyloan.in reserves the right to bar any such activity.
- You shall not attempt to gain unauthorized access to any portion or feature of Switchmyloan.in website, or any other systems or networks connected to Switchmyloan.in Website or to any Switchmyloan.in’s server, computer, network, or to any of the services offered on or through Switchmyloan.in Website, by hacking, password “mining” or any other illegitimate means.
- You shall not probe, scan or test the vulnerability of Switchmyloan.in website or any network connected to Switchmyloan.in website nor breach the security or authentication measures on Switchmyloan.in website or any network connected to Switchmyloan.in Website. You may not reverse look-up, reverse engineer, trace or seek to trace any information on any other user of or visitor to Switchmyloan.in Website, or any other customer of Switchmyloan.in, including any Switchmyloan.in account not owned by you, to its source, or exploit Switchmyloan.in Website or any service or information made available or offered by or through Switchmyloan.in Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by Switchmyloan.in Website.
- You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of Switchmyloan.in Website or Switchmyloan.in’s systems or networks, or any systems or networks connected to the Switchmyloan.in.
- You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website, or with any other person’s use of the Website.
- You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Switchmyloan.in on or through the Website or any service offered on or through the Website. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity
- Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through Switchmyloan.in, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. Switchmyloan.in shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on Switchmyloan.in.
- It is possible that other users (including unauthorized users or “hackers”) may post or transmit offensive or obscene materials on Switchmyloan.in and that you may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about you due to your use of Switchmyloan.in, and that the recipient may use such information to harass or injure you. Switchmyloan.in does not approve of such unauthorized uses but by using the Switchmyloan.in Website you acknowledge and agree that Switchmyloan.in is not responsible for the use of any personal information that you publicly disclose or share with others on Switchmyloan.in. Please carefully select the type of information that you publicly disclose or share with others on Switchmyloan.in.
- Switchmyloan.in shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of People, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).
Contents Posted on Site
All text, graphics, user interfaces, visual interfaces, photographs, trademarks,
logos, sounds, music, artwork and computer code (collectively, “Content”), including
but not limited to the design, structure, selection, coordination, expression, “look
and feel” and arrangement of such Content, contained on the Switchmyloan.in is
owned, controlled or licensed by or to Switchmyloan.in, and is protected by trade
dress, copyright, patent and trademark laws, and various other intellectual property
rights and unfair competition laws. Except as expressly provided in these Terms of
Use, no part of the Switchmyloan.in and no Content may be copied, reproduced,
republished, uploaded, posted, publicly displayed, encoded, translated, transmitted
or distributed in any way (including “mirroring”) to any other computer, server,
website or other medium for publication or distribution or for any commercial
enterprise, without Switchmyloan.in’s express prior written consent.
You may use information on Switchmyloan.in products and services purposely made available by Switchmyloan.in for downloading from the Site, provided that you
- Not remove any proprietary notice language in all copies of such documents,
- Use such information only for your personal, non-commercial informational purpose and do not copy or post such information on any networked computer or broadcast it in any media
- Make no modifications to any such information, and
- Not make any additional representations or warranties relating to such documents.
Switchmyloan.in does not take responsibility or liability for the actions, products, content and services on Switchmyloan.in website, which are linked to Affiliates and / or third party websites using Switchmyloan.in APIs or otherwise. In addition, Switchmyloan.in may provide links to the third party websites of affiliated companies and certain other businesses for which, Switchmyloan.in assumes no responsibility for examining or evaluating the products and services offered by them, and Switchmyloan.in does not warrant the offerings of, any of these businesses or individuals or the content of such third party website(s). Switchmyloan.in does not in any way endorse any third party website(s) or content thereof.
Switchmyloan.in welcomes links to this site. You may establish a hypertext link to Switchmyloan.in website, provided that the link does not state or imply any sponsorship or endorsement of your site by Switchmyloan.in. You must not use on your site or in any other manner any trademarks, service marks or any other materials appearing on the Switchmyloan.in, including any logos or characters, without the express written consent of Switchmyloan.in and the owner of the mark or materials. You must not frame or otherwise incorporate into another third party website or present in conjunction with or juxtaposed against such a website any of the content or other materials on the Switchmyloan.in website without Switchmyloan.in’s prior written consent.
We view protection of Your privacy as a very important principle. We understand clearly that you and Your Personal Information is one of our most important assets. We store and process Your Information on computers that may be protected by physical as well as reasonable technological security measures. If you object to your Information being transferred or used in this way please do not use Switchmyloan.in Website.
Disclaimer Of Warranties And Liability
This website, all the materials and products (including but not limited to software) and services, included on or otherwise made available to you through this site are provided on Switchmyloan.in on “as is” and “as available” basis without any representation or warranties, express or implied except otherwise specified in writing. Without prejudice to the forgoing paragraph, Switchmyloan.in does not warrant that:
- This website will be constantly available, or available at all; or
- The information on this website is complete, true, accurate or non-misleading.
Switchmyloan.in will not be liable to you in any way or in relation to the contents of, or use of, or otherwise in connection with, Switchmyloan.in website. Switchmyloan.in does not warrant that this site; information, content, materials, product (including software) or services included on or otherwise made available to you through Switchmyloan.in website; their servers; or electronic communication sent from Switchmyloan.in are free of viruses or other harmful components. Nothing on Switchmyloan.in constitutes, or is meant to constitute, advice of any kind. You will be required to enter a valid phone number while placing an order on Switchmyloan.in. By registering your phone number with us, you consent to be contacted by Switchmyloan.in via phone calls and / or SMS notifications, in case of any order or shipment or delivery related updates. Switchmyloan.in will not use your personal information to initiate any promotional phone calls or SMS'.
While availing any of the payment method/s offered at Switchmyloan.in, Switchmyloan.in will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to you due to:
- Lack of authorization for any transaction/s, or
- Exceeding the preset limit mutually agreed by you and between your "Bank/s", or
- Any payment issues arising out of the transaction, or
- 4. Decline of transaction for any other reason/s.
All payments made against the purchases/services on Switchmyloan.in by you shall be compulsorily in Indian Rupees acceptable by the Union of India. Switchmyloan.in does not accept any other form of currency with respect to the purchases made on Switchmyloan.in.
Cancellation of order
Switchmyloan.in reserves the right to cancel any order without any explanation for doing so, under situation where Switchmyloan.in is not able to meet the requirement of the order placed or order so placed/cancelled does not comply with the Switchmyloan.in policy or for any other reason. However, Switchmyloan.in will ensure that any communication of cancellation of an order, so cancelled, is intimated within appropriate time to the concerned person and any applicable refund, will be made in reasonable time.
Refund of payment
Switchmyloan.in will refund the payment made by the users in a case it is unable to process the order. Refund will not be made if such inability arises out of:
- User changing his/her mind after Switchmyloan.in has made efforts towards fulfillment of the order.
- Incomplete or incorrect information provided by the user.
No refunds would be made after a switch has been completed.
Without limiting other remedies, Switchmyloan.in may limit your activity, immediately remove your information, warn other Users of your actions, immediately temporarily/indefinitely suspend or terminate or block your membership, and/or refuse to provide you with access to the Switchmyloan.in website in the event, but not limited to:
- If Switchmyloan.in is unable to verify or authenticate any information you provide; or
This Agreement shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall be exclusively in Mumbai.
Jurisdictional Issues/Sale in India Only
Unless otherwise specified, the material on Switchmyloan.in is presented solely for the purpose of sale in India. Switchmyloan.in makes no representation that materials in Switchmyloan.in are appropriate or available for use in other locations/Countries other than India. Those who choose to access this site from other locations/Countries other than India do so on their own initiative and Switchmyloan.in is not responsible for compliance with local laws, if and to the extent local laws are applicable.
Trademark, Copyright and Restriction
This site is controlled and operated by Switchmyloan.in. All material on this site, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights that are owned and controlled by us or by other parties that have licensed their material to us. Material on Switchmyloan.in web site owned, operated, licensed or controlled by us is solely for your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by e-mail or other electronic means and whether directly or indirectly and you must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other web site or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited. Any use for which you receive any remuneration, whether in money or otherwise, is a commercial use for the purposes of this clause.
We at Switchmyloan.in respect the intellectual property of others. In case you feel that your work has been copied in a way that constitutes copyright infringement you can write to us at legal@Switchmyloan.in.in.
Switchmyloan.in.in tries to be as accurate as possible. However, Switchmyloan.in does not warrant that product description or other content of this site is accurate, complete, reliable, current, or error-free.
Limitation of Liability
IN NO EVENT SHALL SWITCHMYLOAN.IN BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THIS AGREEMENT, EVEN IF SWITCHMYLOAN.IN HAS BEEN INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.
Please send any questions or comments (including all inquiries unrelated to copyright infringement) regarding this Site to Customercare@Switchmyloan.in
Lending Partner - Grievance Redressal
Our Website: https://www.mcapital.co.in/#/homeLevel
Our Nodal Officer: Mr. Neeraj Komath - firstname.lastname@example.org
Tata Capital Housing Finance Limited
Level 1: To redress their grievances, applicants/borrowers may write into
email@example.com or call on customer care no. 1860 267 6060.
You will receive an acknowledgment/response within 7 days.
Level 2: If you are not satisfied with the resolution provided to you, we request you to contact Head – Customer Service at firstname.lastname@example.org. You will receive a response within 4 business days.
Level 3: If you are not satisfied with the resolution provided to you, we request you to contact the Managing Director at email@example.com. You will receive a response within 3 business days.
Level 4: In case you do not receive a response from us within a period of one month or are dissatisfied with the response received after following all the above steps, you can approach the regulatory authority of Housing Finance Companies- the National Housing Bank- at the address given below:
The Officer-in Charge, National Housing Bank Complaint Redressal Cell Department of Supervision National Housing Bank, 4 th Floor, Core-5A, India Habitat Centre, Lodhi Road, New Delhi 110 003.
Please feel free to reach our Nodal officer-Mr. Ajai Shukla at the below mentioned details in case you are not satisfied with the response received post your escalation to level 2.
Mr. Ajai Shukla,
Nodal officer-Tata Capital Housing Finance Limited
Address: 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai – 400013 Contact detail: 1860 267 6060