GRIEVANCE REDRESSAL MECHANISM:
Capitalneed values customer service as an important part of its business. With a vision of growth and customer satisfaction, Capitalneed believe in providing efficient and prompt responses and services for both new clients and existing ones. To enhance our best customer experience, we have established a comprehensive grievance redressal mechanism to ensure that queries and complaints are addressed promptly and effectively.
Escalation of complaints:
First Level Customers can reach out to the support team at Capitalneed for any queries, issues, or grievances. The customer may:
Grievance Officer (Level 1):
Escalation of complaints: Second Level
Contact Details:
External Escalation:
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PLEASE READ THIS TERMS OF SERVICE AGREEMENT CAREFULLY. BY USING THIS WEBSITE, YOU ARE AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT.
Terms of Offer:
This Website offers for Sale / Offer certain Financial and Banking services. By clicking and sharing your details for Particular Facility through this Website, you agree to the terms set forth in this Agreement.
Customer Solicitation: Unless you notify our third party call center representative or direct Capitalneed.com sales reps, while they are calling you, of your desire to opt out from further direct company communications and solicitations, you are agreeing to continue to receive further emails and call solicitations from Capitalneed.com and its designated in house or third party call team(s).
Opt Out Procedure: We provide 2 easy ways to opt out of from future solicitations.
Do your Own Research
Our content is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any decision based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our Website and wish to rely upon, whether for the purpose of making an investment decision or otherwise.
Capitalneed.com is plays a mediator role between loan seekers (Borrowers) and Banks / lenders at one platform and the Website is not engaged in either grant of loan or borrowing any money from any member of the website. Through search engine of Capitalneed.com provides you approximate deal as per inputs entered / information provided by you. The deals are subject to acceptance of partnering banks/NBFCs. You acknowledge that the grant or receiving of loan is entirely based on the negotiations between the lender and the borrower and Capitalneed.com or its affiliates, contractors, employees, officers, partners, agents and its third party associates, licensors, and partners does not have any interest in either grant of loan or in borrowing money from a User registered on the website. You acknowledge that capitalneed.com will not be responsible for any claim or damage in case either the lender agreeing to grant loan does not do the same or a borrower agreeing to borrow the loan does not repay the loan.
Legal:
Your use of this website and any term and conditions stated in this policy is subject to laws of India. In case of any disputes arising out of the use of the Website, Courts of New Delhi, Delhi will have exclusive jurisdiction only.
Capitalneed.com makes no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Site or that the operation of the website will be error free and/or uninterrupted. Consequently, Capitalneed.com assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site; and/or any interruption or errors in the operation of the Website. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.
Use of Website,
Capitalneed.com is not responsible for any damages resulting from use of this website by anyone. You will not use the Website for illegal purposes. You will
(1) abide by all applicable local, state, national, and international laws and regulations in your use of the Website (including laws regarding intellectual property)
(2) not interfere with or disrupt the use and enjoyment of the Website by other users,
(3) not resell material on the Website,
(4) not engage, directly or indirectly, in transmission of "spam", chain letters, junk mail or any other type of unsolicited communication, and (5) not defame, harass, abuse, or disrupt other users of the Website. No content or images can be copied from this website as the resources of the website is copyright. Legal action shall be taken against any company or individual if found doing so.
License.
By using this Website, you are granted a limited, non-exclusive, non-transferable right to use the content and materials on the Website in connection with your normal, noncommercial, use of the Website. You may not copy, reproduce, transmit, distribute, or create derivative works of such content or information without express written authorization from Capitalneed.com or the applicable third party (if third party content is at issue).
Termination:
Capitalneed.com reserves the right to terminate your access to the Website if it reasonably believes, in its sole discretion, that you have breached any of the terms and conditions of this Agreement. Following termination, you will not be permitted to use the Website and Capitalneed.com may, in its sole discretion and without advance notice to you. If your access to the Website is terminated, Capitalneed.com reserves the right to exercise whatever means it deems necessary to prevent unauthorized access of the Website. This Agreement will survive indefinitely unless and until Capitalneed.com chooses, in its sole discretion and without advance to you, to terminate it.
Domestic Use
Capitalneed.com makes no representation that the Website or Products are appropriate or available for use in locations outside India. Users who access the Website from outside India do so at their own risk and initiative and must bear all responsibility for compliance with any applicable local laws.
Assignment.
You may not assign your rights and obligations under this Agreement to anyone. Capitalneed.com may assign its rights and obligations under this Agreement in its sole discretion and without advance notice to you.
Data Use
Any personal data collected will be used by Capitalneed.com to contact you via phone, SMS or email for marketing and to deliver certain updates for services or information you have requested.
COPY RIGHT :
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Capitalneed.com and protected by Indian laws. All software used on this site is the property of Capitalneed.com or its software suppliers and protected by Indian and international copyright laws.
All Website Resources & Enquiries placed by any user through this Website will be property of Capitalneed.com & Subjected to Website Conditions.
In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by CRIF High Mark (“CIC”) through www.Capitalneed.com (Asquarian Consultants Pvt Ltd).(referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
(1). The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Agreement entered into between the Company and CIC, and the Company has granted its consent for being appointed for the aforesaid purpose.
(2). I grant my unconditional consent to the Company to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and CIC, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and CIC understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
(3). I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
(4). I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and CIC
(5). acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.
(6). I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from CRIF High Mark. I further authorize Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.
(7). I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit Information from CIC.
(8). By submitting this registration form, I understand that I am providing express written instructions for Company to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Company account. I further authorize Company to retain a copy of my information for use in accordance with Company’s Terms of Use and Privacy Policy.
(9). I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND CIC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
(10). I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against CIC L by third parties arising from and in connection with this letter.
(11). I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. CIC is entitled to assign its rights hereunder to any third person without taking my prior written consent.
