PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE, YOU AGREE
TO BE BOUND BY THE TERMS AND CONDITIONS PROVIDED BELOW. IF YOU DO NOT AGREE TO THE
TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.
The product information, including the scopes of cover, terms, conditions, exclusions
and limitations, available on the Web Site is not intended to be exhaustive and
is indicative in nature.
The Web Site may contain links to other websites, web-pages and services also operated
by other entities or companies, and your use of such Sites is also subject to the
Terms and Conditions and other terms and guidelines, if any, contained within such
given Site. Cholamandalam disclaims all liability for the content and/or materials
available on such other sites.
You should assume that everything you see or read on the Web Site (including but
not limited to directories, guides, news articles, opinions, reviews, text, photographs,
images, illustrations, profiles, audio clips, video clips, trademarks, service marks
and the like) is copyrighted/ protected by intellectual property laws unless otherwise
noted and may not be used except as provided in these Terms and Conditions, or in
the text on the Web Site, without the prior written permission of Cholamandalam,
neither warrants nor represents that your use of materials displayed on the Web
Site will not infringe patent, copyright or any intellectual property rights or
any other rights of third parties not owned by it.
Limitation of liability:
In no event will Cholamandalam be liable for any damages, including without limitation
direct or indirect, special, incidental, or consequential damages, losses or expenses
arising in connection with this site or any linked site or use thereof or inability
to use by any party, or in connection with any failure of performance, error, omission,
interruption, defect, delay in operation or transmission, computer virus or line
or system failure, even if Cholamandalam or representatives thereof, are advised
of the possibility of such damages, losses or expenses.
All information submitted to Cholamandalam via this site shall be deemed and remain
the property of Cholamandalam and Cholamandalam shall be free to use, for any purpose,
any idea, concepts, know-how or techniques contained in information given by any
visitor to this site provides Cholamandalam through this site. Cholamandalam shall
not be subject to any obligations of confidentiality regarding submitted information
except as agreed by Cholamandalam having direct customer relationship or as otherwise
specifically agreed or required by law.
Collecting your personal information:
Cholamandalam may collect the information you provide when you:
- Request information from Cholamandalam Web site.
- Apply online for loans.
- Subscribe to online services.
- Complete an online form.
- Conduct transactions online.
We collect contact information such as your name, address, and email address and
other details as given in the registration page of our website. If you apply for
a loan from us we will collect financial information such as credit / debit card
number and expiration date through the payment gateway of the credit/debit card
company or the Internet banking service of your bank. We store this information
for our records and in order to verify authenticity of the same. We also collect
information such as beneficiary name, address and your relationship to the beneficiary
take a loan with us. This is required to maintain a record of your beneficiary details
for your loan with us. Use of your personal information:
We will use the information primarily for the following purposes:
TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE VISITORS
- Providing customization: We may use the information provided by you to customize
your visit to the Web Site by displaying appropriate content at our judgment and
- To send you information about services offered by Cholamandalam. In event you do
not wish to receive such information, you may unsubscribe to the facility in the
email message received by you.
- To contact you for reminder notices, claims processing and to keep you updated on
the investor sector and Cholamandalam through our newsletters.
Acceptance of the Terms
By accessing the Web Site, the Visitor acknowledges and accepts these Terms and
The availability of the information and guidance as part the Web Site does not constitute
a recommendation by Cholamandalam. Any decisions will be based solely on the Visitor's
own evaluation of the loans of Cholamandalam and his/her need for the same. While
adequate care would be taken to ensure completeness, accuracy etc of the information/services
provided, neither Cholamandalam nor any of their personnel shall in any circumstance
be liable for any loss or damage caused by a Visitor's reliance on information obtained
through the Web Site. It is the sole responsibility of the Visitor to evaluate the
completeness, accuracy or usefulness of any opinion, guidance or other content made
available on the Web Site and the Visitor should consult his/its own legal counsel,
business Advisor and tax Advisor as to the legal, business, tax and related matters
concerning any loans with respect to which guidance is sought or given.
TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE CUSTOMERS Evidence Of Transactions:
In respect of any transactions which may be permitted by Cholamandalam from time
to time, Cholamandalam's own records of such transactions, maintained through computer
systems or otherwise, shall be accepted as conclusive and binding for all purposes.
More particularly, the record of Cholamandalam generated by the transaction(s),
including the recording of the time of the transaction(s), shall be conclusive proof
of the genuineness and accuracy of such transactions.
Terms and Conditions of Use:
The Website is deemed to be in use when it is loaded in temporary or permanent memory
of your computer.
Restrictions on use:
You agree to use the Web Site strictly for your personal use. You agree not to use
this Web Site for any illegal purpose or in any manner inconsistent with these Terms
and Conditions. You agree not to use, transfer, distribute or dispose of any information
contained in the Web Site in any manner that could compete with the business of
Cholamandalam or otherwise compromise or imperil the interests of Cholamandalam.
You acknowledge that the Web Site has been developed, compiled, prepared, revised,
selected and arranged by Cholamandalam and others (including certain other information
sources) through the application of methods and standards of judgement developed
and applied through the expenditure of substantial time, effort and money and constitutes
valuable intellectual property and may also include trade secrets of Cholamandalam
and such others. You agree to protect the proprietary rights of Cholamandalam and
all others having rights in the Web Site or its content during and after the term
of this agreement and to comply with all reasonable written requests made by Cholamandalam
or its suppliers of content, equipment or otherwise to protect their and others''''
contractual, statutory and common law rights in the Web Site. You agree to notify
Cholamandalam in writing promptly upon becoming aware of any unauthorized access
or use of the Web Site by any party or of any claim that the Web Site infringes
upon any copyright, trademark or other contractual, statutory or common law rights.
You may download and retrieve data from the Web Site on your computer screen, print
individual pages on paper, photocopy and store such pages in an electronic form
on disk (but not on any server or other storage device connected to a network) for
your exclusive personal use only. You further acknowledge that all the intellectual
property in the Web Site continues to vest with us.
You shall not:
Reverse engineer, decompile, disassemble, copy, reproduce,
distribute, modify, transmit, perform, reproduce, publish or create derivative works
from or in any way exploit any of the services or content in violation of the Terms
and Conditions or the laws of any country.
Rent, lease, sell, sublicense, or lend your access to the Web Site.
Cache or permit caching by any person.
Do any act that violates our intellectual property in the Website.
Engage in any fraudulent, abusive or illegal activity, including but not limited
to any communication or solicitation designed or intended to fraudulently obtain
the password or any private information of any use.
Use the Web Site to violate the security of any computer network, crack pass words
or security encryption codes, transfer or store illegal material including threatening
or obscene material or engage in any kind of illegal activity.
Run mail list or any form of auto-responder, or spam on the Web Site or any processes
that are run or are activated while you are not logged on.
Although Cholamandalam may, from time to time, monitor or review any facilities,
if established or otherwise offered at the Web Site for discussions, chats, postings,
transmissions, bulletin boards, and the like on the Website, Cholamandalam is under
no obligation to do so and assumes no responsibility or liability arising from the
content of any such locations nor for any error, defamation, libel, slander, omission,
falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in
any information contained within such locations on the Web Site. You are prohibited
from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene,
scandalous, inflammatory, pornographic, or profane material or any material that
could constitute or encourage conduct that would be considered a criminal offense,
give rise to civil liability, or otherwise violate any law. Cholamandalam will fully
cooperate with any law enforcement authorities or court order requesting or directing
Cholamandalam to disclose the identity of anyone posting any such information or
We reserve the right to deny to you, at our sole discretion, access to the Web Site,
including any portion thereof, without any prior notice.
We grant you the right to access this Web Site in
accordance with these terms and conditions, and for no other purpose. Please note
that the services and content on the Web Site, including but not limited to text,
content, photographs, video, audio and graphics, are either the property of, or
used with permission by, Cholamandalam and may be protected by applicable copyrights,
trademarks, service marks, international treaties and/or other proprietary rights
and laws of India and other countries. The trademarks, logos, slogans and service
marks (collectively the "Trademarks") displayed on the Web Site, are registered
and unregistered Trademarks of Cholamandalam and others. Nothing contained on the
Web Site should be construed as granting, by implication, estoppel, or otherwise,
any license or right to use any Trademark displayed on the Web Site without the
written permission of Cholamandalam or such third party that may own the Trademarks
displayed on the Web Site. Your misuse of the Trademarks displayed on the Web Site,
or any other content on the Web Site, except as provided in these Terms and Conditions,
is strictly prohibited. You are also advised that Cholamandalam will aggressively
enforce its intellectual property rights to the fullest extent of the law, including
the seeking of criminal prosecution. We shall be entitled to obtain equitable relief
(including all damage, direct, indirect, consequential and exemplary), over and
above all other remedies available to us, to protect our interests therein.
Software Available on the Web Site:
Software or information (if any) that is made available to download from this Web
Site ("Software") is the copyrighted work of Cholamandalam and/or its suppliers.
Your use of the Software is governed by the terms of the end user license agreement,
if any, which accompanies or is included in the Software. You may not install or
use any Software that is accompanied by or includes a License Agreement unless you
first agree to the License Agreement terms.
You agree, at your own expense, to indemnify, defend and hold harmless Cholamandalam,
its directors and employees, representatives, suppliers and Advisors, against any
claim, suit, action or other proceeding brought against Cholamandalam, its directors
and employees, representatives, suppliers and as by a third party, to the extent
that such claim, suit, action or other proceeding brought against Cholamandalam,
its directors and employees, representatives, suppliers and Advisors is based on
or arises in connection with the use of this Web Site, or any links therein, including,
but not limited to:
- Your use or someone else's use of your access to the Web Site
- Your use/operation or someone using/operating or conducting any transactions, where
- A violation of the terms and conditions contained herein by you or anyone using
your or any other computer
- A claim that any use of the Web Site by you or someone using your computer infringes
any Intellectual Property Right of any third party, or any right of personality
or publicity, is libelous or defamatory, or otherwise results in injury or damage
to any third party
- Any deletions, additions, insertions or alterations to, or any unauthorized use
of, the Web Site by you or someone using your computer
- Any misrepresentation or breach of representation or warranty contained herein made
by you or
- Any breach of any covenant or agreement to be performed by you hereunder.
You agree to pay any and all costs, damages and expenses, including, but not limited
to, reasonable attorney's fees and costs awarded against or otherwise incurred by
or in connection with or arising from any such claim, suit, action or proceeding
attributable to any such claim.
Disclaimer of warranties:
You expressly agree that use of the Web Site is at your sole risk. The Web Site
is provided on an "AS IS" and " AS AVAILABLE" basis.
Except as warranted in these Terms and Conditions, we expressly disclaim all warranties
of any kind, whether express or implied or statutory, including, but not limited
to the implied warranties of merchantability, fitness for a particular purpose,
data accuracy & completeness, and any warranties relating to non-infringement.
We shall not be responsible or liable for the authenticity, accuracy, completeness,
errors, omission, typographic errors, disruption, delay, interruption, failure,
deletion, defect of any information, research, reports, analysis, quotes etc in
this Web Site or any part thereof.
We shall not incur any liability direct or indirect, to you or any third party,
as a consequence of non-functioning of any equipment belonging to you, any third
party or us. We shall not be responsible for any downtime of such equipment.
We do not warrant that access to the Web Site will be uninterrupted, timely, secure,
or error free; nor do we make any warranty as to the results that may be obtained
from the Web Site or as to the accuracy or reliability of the content contained
We make no warranty regarding the transactions entered into through the Web Site.
No advice or information, whether oral or written, obtained by you from or through
the Web Site or any person shall create any warranty not expressly stated herein.
We shall not be liable for any action taken by you based on or relying on the information
provided in or by the Web Site.
We will not be liable for any virus that may enter your system as a result of you
using the Web Site. We make no guarantees to you or third parties that the content
contained on the Web Site would be virus free. We will not be liable for any direct,
incidental or consequential loss, which may be caused to you as a result of your
use of the Web Site.
If you are dissatisfied with any portion of this Web Site or with any of these Terms
and Conditions, your sole and exclusive remedy is to discontinue using the Web Site.
Limitation of liability:
Under no circumstances, including but not limited to negligence, shall Cholamandalam,
its employees and directors, its suppliers and its third party Advisors be liable
to you for any direct, indirect, incidental, special or consequential damages or
any damages whatsoever including punitive or exemplary (including, but not limited
to, damages caused by any virus, personal injury, loss of profits, data or other
intangible, business interruption, loss of privacy, or any other pecuniary loss),
arising out of or in any way connected with the use/delivery/performance of this
Web Site, with the delay or inability to use this Web Site or any links or items
on the Web Site, the provision of or failure to provide services, or for any information,
software, products, services and related graphics obtained through this Web Site,
or otherwise arising out of the use of this Web Site, whether based on contract,
tort, strict liability or other wise, or for cost of procurement of substitute goods
and repair & correction services or resulting from the use of this Web Site or obtained
or messages received or transactions entered into through or from the Web Site or
resulting from unauthorized access to or alteration of your transmissions or data,
even if we have been advised of the possibility of such damages.
You agree that we shall not be liable for any damages arising from interruption,
suspension or termination of the Web Site, including but not limited to direct,
indirect, incidental, special, consequential or exemplary damages, whether such
interruption, suspension or termination was justified or not, negligent or intentional,
inadvertent or advertent. Applicable law may not allow the limitation or exclusion
of liability or incidental or consequential damages. However, in no event shall
our liability to you for all damages, losses and causes of action (whether in contract
or tort, including but not limited to, negligence) exceed the amount paid by you,
if any, for accessing the Web Site.
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