Website Terms and Conditions

INFORMATION ABOUT USE

“www.educred.in” is a website operated by EduCred Consultancy Limited Liability Partnership company (hereinafter referred to as “We”, “Us” and “Our”). The terms “Site”, “this website” refers to “www.educred.in” We are a company registered in the State of Maharashtra. EduCred is a technology portal that acts as a service provider for its partners, financing institutions (banks & NBFCs) to facilitate education loans for students and working professionals. We also provide consulting services for studies abroad. EduCred is not a financial institution and does not provide lending on its own accord. We are not a Bank of any nature, an investing agency of any nature, a Lender, a borrower or a guarantor of any kind, a verification agency of any kind, an intermediary of any kind, a Non-banking Financial Company, a Credit information Company or a Credit rating company. We do not provide student accommodation on our own but we only refer student to our partner property consulting companies. Hence, disputes arising between students and our partners or mentors are subject to the terms and conditions of partner companies and EduCred will not be responsible for any disputes arising between student and our partners. Apart from this, terms and conditions of our partner companies/individuals will be applicable in case you are availing any service from EduCred’s referral to its partner network companies.

1. TERMS OF WEBSITE USE

  • This page (together with the documents referred on it) set out the terms of use by which you may make use of the www.Educred.in website and the EduCred mobile application (together and separately, referred to as “our site”), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our site or by assessing or using our website through our Facebook application, you indicate that you have read and accepted these terms of use, which include the privacy policy that applies to our site (the “Privacy Policy”) and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site. We at our sole discretion, reserve the right not to accept a user from registering on our site or on our application without assigning any reason thereof.

  • The Terms of Use are in respect of for our site and our application only and do not apply, replace or supersede to the terms and condition of use and the privacy policy of our partners companies or individuals.

2. OWNERSHIP OF CONTENT

    • Our Site, Application and all of its contents including, but not limited to, all text, logos, videos, illustrations, artwork, information, images and other material (“Content”) are owned and copyrighted by us unless otherwise mentioned therein. Our Site features logos, brand identities, domain names and other trademarks and service marks (collectively referred to as “Intellectual Property”) that are the proprietary rights and/ or are licensed to us. Nothing contained on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the marks displayed on our Site without prior written authorization/ permission from us. Your use of any content, except as provided in these Terms of Use herein, without prior written authorization/ permission from us is strictly prohibited. You are also advised that we will enforce our Intellectual Property rights to the fullest extent of the law, including taking civil and/ or criminal action.

3. INTELLECTUAL PROPERTY RIGHTS

    • We are the owner and/ or the licensee of all the Intellectual Property rights in our site, except where specifically mentioned. Said Intellectual Property are protected under applicable laws in India and through international conventions. All such rights are reserved to us and our licensors. As a visitor to our site, you may download a single copy of the material for your own non-commercial, private viewing purposes only. No copying or distribution for any commercial or business use is permitted without our prior written consent.

    • You may not include a link to our site or display the contents of our site surrounded or framed or otherwise surrounded by material not originating from us without our consent.

    • You may not distribute, modify, publish, re-use, reproduce, copy (except as set forth above), transmit, display, license, create derivative works from, transfer, sell or otherwise use any of the information, illustrations, photographs, video or audio sequences or any graphics in any manner whatsoever.

    • If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

4. REGISTERED USERS

      • In order to access certain features of our site and our application, you may be asked to register by providing certain personal information such as, for example, your name and email address. You will also be asked to select a user name (“User Name”) for identification purposes.

      • You must ensure that the details and information provided by you is correct, accurate and up to date. We will not be responsible for any loss or harm arising out of your failure to provide the same. We may ask you to verify the accuracy of the details and information provided by you at any point of time.

      • You must take all the reasonable and necessary care to ensure that your account both on our site and our application respectively is operated and accessed by solely by you and no one else.

      • You are responsible for maintaining the confidentiality of your password and your account information, and you are solely and fully responsible for all activities that occur under your password or account and for any access to or use of the our site by you or any person or entity using your password, whether or not such access or use has been authorized by you, and whether or not such person or entity is your employee or agent.

      • You are responsible for maintaining the confidentiality of your password and your account information, and you are solely and fully responsible for all activities that occur under your password or account and for any access to or use of the our site by you or any person or entity using your password, whether or not such access or use has been authorized by you, and whether or not such person or entity is your employee or agent.

      • We will not be liable for any loss or damage whatsoever resulting from the disclosure your password contrary to these Terms of Use. You may not use another person’s account at any time without the express permission of the account holder.

      • If we become aware that you have used another person’s account or password or any information or material contrary to any of the terms and conditions mentioned herein, then we reserve our right to take all necessary actions.

      • You retain ownership of any video, image, text, software, information or any content posted, uploaded or published by you on our site. You represent and warrant that you have the necessary right, license, authorization or permission to post, upload or publish the same on our site and by posting, uploading or publishing the same on our site, you have authorized the company to use the same without any restrictions.

      • We will not be responsible for any of comment, video, text, software, information discussion, information, content or view posted by you on our site or through our Application.

      • You retain and warrant that the information, material, comment, video, text, software, information discussion, information, content posted uploaded or published by you on our site or our application does not infringe upon the rights if third parties including but not limited to intellectual property rights, privacy or personal rights.

      • We will be in no way responsible or liable with respect to any discussions, chats, information or any material posted on our site by you or anyone else and we assume no liability arising from any false, misleading, defamatory, obscene, vulgar, scandalous, infringing or any material that would violate the laws of India or any other country and give rise to civil or criminal liability.

    • You must not post, upload, publish, transmit, or share any Content on our Site or our Application that you did not create or that you do not have permission to post.

    • We have the right to store any content you post on our site, and at our discretion to make available any such content on our site, in each case indefinitely. However, we are not obliged to make available or otherwise exploit any such content. We are not responsible for any loss, theft, rights infringement or damage of any kind to or associated with any such content and you take sole responsibility for any such content that you provide to us.

    • You are prohibited from using our Site to advertise or perform any commercial solicitation in any manner.

    • You authorize us and our partners for contacting you (including by post, email, fax, short text message (SMS), pager or telephone) about our products and services (collectively “Promotional Communications”) which we think may be of your interest. You agree to hold harmless and indemnify s and our affiliates and our respective directors, officers, employees and agents, as well as their licensors and suppliers, from and against any and all claims, actions, suits and or proceedings, as well as any and all losses, liabilities, damages, costs and expenses arising out of or relate to such Promotional Communication with you or any person on your behalf.

5. INFORMATION AND AVAILABILITY

    • While we take every care to ensure that the information on our site is accurate and complete, some of it is supplied to us by third parties and we are unable to check its accuracy or completeness. You are advised to verify the accuracy of any information before relying on it. We make no warranty or represent the accuracy of the information supplied to us by third parties. Further, due to the inherent nature of the internet, errors, interruptions and delays may occur in the service at any time. Accordingly, our site is provided “as is” without any warranties of any kind, express or implied, and we do not accept any responsibility and liability arising from any inaccuracy or omission in the information or interruption in availability.

    • We would be happy to correct any error or correction with respect to the information published on our website that is brought to our notice by you in writing and we will within a reasonable time carry out the necessary changes as deemed appropriate by us.

6. MOBILE TERMS OF USE

      • When accessing our website or application via mobile, standard network charges apply. Your handset must be WAP enabled. You may incur additional WAP, GPRS, 3G & 4G data charges from your network operator according to your contract. Our site via mobile (off portal) is not a subscription service.

7. VARIATION

      • We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site. Information on our site is subject to change without any prior notice or obligation to notify you. Additionally, we reserve the right to change any and all content, software and other items used or contained on our Site or our application at any point of time without notice.

8. INDEMNITY

      • You agree to indemnify us and our affiliates and our respective directors, officers, employees and agents, as well as their representatives, from and against any and all claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable legal fees) arising out of:
      • Any misrepresentation, act or omission made by you in connection with your use of our site; or
      • Any non-compliance by you with these Terms

8. LIABILITY

      • We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site. Information on our site is subject to change without any prior notice or obligation to notify you. Additionally, we reserve the right to change any and all content, software and other items used or contained on our Site or our application at any point of time without notice.websites linked to our site or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing our site or your downloading of any material from our site or any websites linked to our site.
      • If you choose to post your location, your intended location or any other such personal information on our site you accept that this is entirely at your own risk and we are not responsible for any loss or harm which occurs as a result of your sharing any information about your location or intended location.
      • This Section does not in any way limit our liability:
        • for death or personal injury caused by our negligence;
        • under section 2(3) of the Consumer Protection Act 1987;
        • For fraud or fraudulent misrepresentation; or
        • For any matter for which it would be illegal for us to exclude, or attempt to exclude, our liability.
  • Where you buy any product or service from a third party seller through our site, the seller’s individual liability will be set out in the seller’s terms and conditions.

9. REWARD

      • We may introduce rewards, discounts or promotion scheme in conjunction with other companies from time to time in respect of a certain number of our products. The terms and condition for the rewards, discounts and promotion will be disclosed at the time the reward, discounts or promotion is launched. The rewards, discounts and promotion will also be subject to the terms and conditions of the other associate companies as well.

10. YOUR RESPONSIBILITY; DAMAGE LIMITS

      • You have sole responsibility for use of the products/services you purchase or avail through this website. In no event shall EduCred be liable to you in relation to the products/services, or your use, misuse or inability to use the products or services, for either any – (i) indirect, punitive, special, exemplary, incidental, or consequential damage or direct damages in excess of the amount you paid EduCred or its financial partners for the Services.

11. DISCLAIMER

      • Our site or Application may be temporarily unavailable at any point of time due to maintenance, up-gradation or any other reason. We do not claim any responsibility, liability for any omission, error deletion, defect or destruction in user communication. We are not responsible for any malfunction technical or other problem of any telephone network or service, computer systems, servers or providers, computer or mobile phone equipment, software, failure of email on account of technical problems or traffic congestion in our site or application, including injury or damage to your or to any other person’s computer, hardware, software or mobile phone as a result from using or downloading materials in connection with our Site and/or application. We are not responsible or liable for any loss or damage resulting from the use of our Site or Application or any Content or Third-Party Applications, Software or Content posted on or through our Site or transmitted to users, or any interactions between users of our site, whether online or offline.

      • User gives us the right to contact him/her or his/her parents as and when required for the purpose of selling the products or services.

      • User takes full responsibility for providing personal or academic information and indemnifies the company or any of its financial partners and associates for any wrong information provided by him/her under the India law.

12. THIRD-PARTY WEBSITES AND CONTENT

      • Our Site or application may contain links to other websites (“ThirdParty Sites”) as well as applications, software, text, marks, graphics, pictures, designs, music, sound, video, articles, photographs, information, and other content or material belonging to or originating from third parties (the “Third-Party Content”). We are not responsible for such Third-Party Contents and Third Party Sites. We have not checked or monitored the accuracy or completeness of the said Third Party Contents and Third Party Sites respectively. If you access or install a Third Party Contents you are doing the same at your own risk and you should read and review the respective terms and conditions thereof and our terms and conditions and privacy policies will no longer be applicable in any manner.

13. APPLICABLE LAW AND JURISDICTION

      • These terms and conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these terms and conditions or any dispute arising in relation to the website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Nagpur, India for the resolution of all such disputes.

14. LIMITATION OF LIABILITY

      • Your use of our site is at your own risk. In no event and under no circumstances and under no legal theory, tort, contract, or otherwise shall EduCred Consultancy LLP. be liable, without limitation, for any damages whatsoever, including direct, indirect, incidental, consequential or punitive damages, arising out of any access to or any use of or any inability to access or use this website including any material, information, links, and content accessed through this website or through any linked external website. Note: If you are under the age of 18, it is mandatory that your parent or guardian has read and accepted the terms and conditions mentioned herein above on your behalf and by your use of the site it is deemed that you have obtained parental consent for the same. If your parent or guardian has not read and agreed to the terms and conditions, you will not have permission to use our site.

15. CANCELLATION / REFUND

      • EduCred strongly recommends that all their Borrowers – read, understand and familiarize themselves with our business model and cancellation & refund policy prior to using any services of EduCred. No overseas payment can be made through wire transfer or any other means to our bank account.

      • In the event of cancellation of services due to any avoidable/unavoidable reasons we must be notified of the same in writing at contact@educred.in. Cancellation request should be placed within 24 hours of agreement.

      • Any refunds, if applicable within the purview of our refund policy, will be processed over a period of 2-4 weeks due to Indian banking procedures. The refund policy is subject to change by EduCred. The changes will apply after due legal diligence. Suitable announcements will be made on the website and legally-compliant notice period will be given before any changes come into force. If lenders or borrowers do not accept the revised policy, they should not continue to use the services and inform us about the same on contact@educred.in. If lenders or borrowers continue to use the services after the date on which the change comes into effect, their use of the services indicates the agreement to be bound by the new refund policy.

      • Please note that there may be certain instruction to remit payments or seek rendition of services that EduCred is unable to accept shall be cancel. We reserve the right, at our sole discretion, to refuse or cancel any order for any reason. We may also require additional verification or information before accepting any instruction or registering you on are portal as a lender or a borrower. The loan processing may get rejected at any stage due to lack of information or verifiable information.

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