TERMS OF USE

Introduction

Singularity Creditworld Private Limited (“Singularity”) maintains this site (www.singularitycredit.in) for your information and communication. By availing any service / credit facility being provided by Singularity (also referred to as “we”, “us” or “our”) directly or indirectly including by utilising the Site (“services”) you have agreed to each and all of the terms and conditions of this Policy as set forth below and waive any right to claim ambiguity or error in the same.

The terms and conditions contained hereafter shall apply to the use of the website singularitycredit.com and any other linked pages, features, content, or application services (including but without limitation to any mobile application services) in connection therewith, offered from time to time by Singularity.

Any person logging on to or using the network portal shall be presumed to have read these Terms of Use (which includes the Privacy Policy, separately provided on the website) and unconditionally accepted the terms and conditions set out herein. This constitutes a binding and enforceable agreement between the User and Singularity. These ‘Terms of Use’ do not alter in any way the terms or conditions of any other written agreement you may have with Singularity for other services.

Please read the terms set out hereunder carefully before agreeing to the same. If you do not agree to these Terms of Use (including any referenced policies or guidelines), please immediately terminate your use of the website. You can accept the Terms of Use by: Clicking to accept or agree to the Terms of Use, where this option is made available to you by Singularity in the User interface for any particular Service; or Accessing or using the Services. In this case, you understand and agree that Singularity will treat your use of the Services as acceptance of the Terms of Use from that point onwards. Wherever the context so requires, the term “User” shall mean and include any natural or legal person who has agreed to these Terms of Use on behalf of herself or any other legal entity.

The Terms of Use may be revised or altered by us at our sole discretion at any time without any prior intimation to the user and will be updated here. Any such changes by Singularity will be effective immediately. By using this Website or access/ usage of our services post changes, you agree to be bound by the revised/ amended Terms of Use. You are solely responsible for understanding and complying with all applicable laws of your specific jurisdiction that may apply to you in connection with your business and the use of our Services.

Content in the services

Singularity Creditworld Private Limited (“Singularity”) maintains this site (www.singularitycredit.in) for your information and communication. By availing any service / credit facility being provided by Singularity (also referred to as “we”, “us” or “our”) directly or indirectly including by utilising the Site (“services”) you have agreed to each and all of the terms and conditions of this Policy as set forth below and waive any right to claim ambiguity or error in the same.

The terms and conditions contained hereafter shall apply to the use of the website singularitycredit.com and any other linked pages, features, content, or application services (including but without limitation to any mobile application services) in connection therewith, offered from time to time by Singularity.

Any person logging on to or using the network portal shall be presumed to have read these Terms of Use (which includes the Privacy Policy, separately provided on the website) and unconditionally accepted the terms and conditions set out herein. This constitutes a binding and enforceable agreement between the User and Singularity. These ‘Terms of Use’ do not alter in any way the terms or conditions of any other written agreement you may have with Singularity for other services.

Please read the terms set out hereunder carefully before agreeing to the same. If you do not agree to these Terms of Use (including any referenced policies or guidelines), please immediately terminate your use of the website. You can accept the Terms of Use by: Clicking to accept or agree to the Terms of Use, where this option is made available to you by Singularity in the User interface for any particular Service; or Accessing or using the Services. In this case, you understand and agree that Singularity will treat your use of the Services as acceptance of the Terms of Use from that point onwards. Wherever the context so requires, the term “User” shall mean and include any natural or legal person who has agreed to these Terms of Use on behalf of herself or any other legal entity.

The Terms of Use may be revised or altered by us at our sole discretion at any time without any prior intimation to the user and will be updated here. Any such changes by Singularity will be effective immediately. By using this Website or access/ usage of our services post changes, you agree to be bound by the revised/ amended Terms of Use. You are solely responsible for understanding and complying with all applicable laws of your specific jurisdiction that may apply to you in connection with your business and the use of our Services.

Complaints and grievance redressal

Any complaints or concerns about this website’s content or comment or breach of these Terms of Use or any User’s intellectual property shall be immediately informed to the designated Grievance Officer as mentioned below in writing or through email signed with an electronic signature.

Exclusion of warranties

Nothing in these terms shall exclude Singularity’s warranty or liability for losses which may not be lawfully excluded or limited by applicable law. Some jurisdictions do not allow the exclusion of certain warranties or conditions or the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages. Accordingly, only the lawful limitations in your jurisdiction will apply to you, and our liability will be limited to the maximum extent permitted by law.

You expressly understand and agree that your use of the Services is at your sole risk and that the services are provided on an “as is” and “as available” basis. In particular, Singularity, its subsidiaries and affiliates, and its licensors do not represent or warrant to you that:

  • The information or Contents provided on the website will be accurate, complete, and updated;

  • Your use of the services will meet your requirements;

  • Your use of the Services will be uninterrupted, timely, secure, or free from error;

  • Any information obtained by you as a result of your use of the services will be accurate or reliable, and

  • That defects in the operation or functionality of any software provided to you as part of the Services will be corrected.

  • Any material downloaded or otherwise obtained through the services’ use is done at your discretion and risk. You will be solely responsible for any damage to your computer system or other device or loss of data that results from the download of any such material.

  • No advice or information, whether oral or written, the use of services obtained by you from Singularity shall create any warranty not expressly stated in the terms.

Governing law, Settlement of disputes and jurisdiction

These Terms of Use and any dispute or claim arising under it will be governed by and construed by India’s laws. The users agree that any legal action or proceedings arising out of or connected to these Terms of Use may be brought exclusively in the competent courts/ tribunals having jurisdiction in Mumbai in India irrevocably submit themselves to the jurisdiction of such courts/ tribunals.

Limitation of liability

Subject to the overall provision stated above, you expressly understand and agree that Singularity, its subsidiaries and affiliates, and its licensors shall not be liable to you for:

  • However, any direct, indirect, incidental, special consequential or exemplary damages may be incurred by you caused and under any theory of liability. This shall include, but not be limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation, any loss of data suffered, cost of procurement of substitute goods or Services, or other intangible loss;

  • Any loss/ damage incurred by you, including but not limited to loss/ damage as a result of any reliance placed by you on the completeness, accuracy, or existence of any advertising or as a result of any relationship or transaction between you and any advertiser or sponsor whose advertisement appears on the Services;

  • The deletion, corruption, or failure to store, any content and other communications data maintained or transmitted by or through your use of the Services;

  • Your failure to provide Singularity with accurate Registration Data; or keep your password or account details secure and confidential.

The limitations on Singularity’s liability to you shall apply whether or not Singularity has been advised of or should have been aware of the possibility of any such losses arising.

Privacy

Your privacy is extremely important to us. Upon accepting these Terms of Use, you confirm that you have read, understood, and unequivocally accepted our Privacy Policy.

Proprietary rights

You acknowledge and agree that Singularity (or its licensors) own all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights happen to be registered or not, and wherever in the world those rights may exist). You further acknowledge that the services may contain information that is designated confidential by Singularity and that you shall not disclose such information without Singularity’s prior written consent.

Unless there has been written communication with Singularity, nothing in the Terms of Use gives you a right to use any of Singularity’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features in a way that is likely or intended to confuse the owner or authorized user of such marks, names or logos.

Provision of the services being offered by Singularity

Singularity is continuously evolving to provide the best possible experience and information for its users. You acknowledge and agree that the form and nature of Singularity’s services may change from time to time without any prior notice to you.

As part of this continuing process, you acknowledge and agree that Singularity may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or users generally at Singularity’s sole discretion, without any prior notice. You may stop using the services at any point of time. You do not need to inform Singularity specifically when you stop using the Services.

Using our services, you agree that Singularity disclaims any liability for any information that may have become outdated since the last update. Singularity reserves the right to make changes and corrections to any part of this website’s content at any time without any prior notice. Unless stated otherwise, all pictures and information on this website are in the public domain as either promotional materials, publicity photos, photoshoot rejects, or press media stock. Please contact the Grievance Officer by email if you are the copyright owner of any content on this website and think the use of the above material violates the terms of the applicable copyright law in any manner. In your request, please indicate the exact URL of the webpage to enable us to locate the same. We will endeavor to address your concerns and take the necessary steps if required.

Technical issues & delivery policy

In case of any technical issues, please email us at wecare@singularitycredit.com to let us know of the same. You can also refer ‘Contact Us’ page mention on our website in case of urgent matters. We will deliver the service to you within 15 (fifteen) working days.

Use of the services

To access certain Services, you need to partner with Singularity by providing information about yourself and the institution (such as identification or contact details) as part of the registration process (“REGISTRATION DATA”) for the services or as part of your continued use of the Services. You agree that any Registration Data you give to Singularity will always be accurate, correct, complete, and up to date. If you provide any information that is untrue, inaccurate, incomplete, or not current or if we have reasonable grounds to suspect that such information is not in accordance with the Terms of Use (whether wholly or in part), we reserve the right to reject your registration and/ or indefinitely suspend or terminate your User account and to refuse to provide you access to the website. Further, you agree to indemnify and keep us indemnified from and against all claims resulting from the use of any detail/ information/ Registration Data that you post and/ or supply to us.

To ensure that we are not violating any right that you might have in your Registration Data, you hereby grant to us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to exercise the copyright, publicity, and database rights (but no other rights) that you have in the Registration Data, in any media now or in future known, with respect to your Registration Data solely to enable us to use such Registration Data that you have supplied to us.

You are solely responsible for maintaining your account and password’s confidentiality and for any activity that occurs in or through your account. We will not be liable to any person for any loss or damage resulting from any failure by you to protect your password or account. You should take all necessary steps to ensure that the password is kept confidential and secure. In case you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner, you should inform us immediately at wecare@singularitycredit.com. In the event of any dispute between two or more parties as to ownership of any particular account with Singularity, you agree that Singularity will be the sole arbitrator of such a dispute and that Singularity’s decision in this regard will be final and binding on all parties.

You understand and undertake that you shall be solely responsible for the Registration Data and undertake neither by yourself nor by permitting any third party to host, display, upload, modify, publish, transmit, update or share any information that belongs to another person and to which you do not have any right to:

  • is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, seditious, 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;

  • Harms minors in any way;

  • Infringes any patent, trademark, copyright, or other proprietary rights of any person anywhere in the world;

  • Violates any law for the time being in force;

  • Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing;

  • Impersonates 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;

  • Threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offense or prevents investigation of any crime or is insulting to any other nation; or is illegal in any other way.

  • You agree and understand that Singularity reserves the right to remove and/or edit such detail/information. If you come across any information as mentioned above on the website, immediately contact our Grievance Officer.

You agree to use the Services only for purposes that are permitted by (a) these Terms of Use and (b) any applicable law, regulation, or generally accepted practices or guidelines in the relevant jurisdictions.

You agree to use the data owned by Singularity (as available on the website or through any other means like API etc.) only for business purposes and not for any other use unless agreed to with Singularity in writing.

You agree not to access (or attempt to access) any of the Services by any means other than through the interface that is provided by Singularity, unless you have been specifically allowed to do so in a separate agreement with Singularity. You expressly agree not to access (or attempt to access) any of the Services through any automated means (including use of scripts or web crawlers). You shall ensure that you comply with the instructions set out in any robots.txt file present on the Services.

You agree that you will not engage in any activity that interferes with or disrupts the Services (or the servers and networks connected to the Services) on this website.

Unless you have been specifically permitted to do so in a separate agreement with Singularity, you agree that you will not reproduce, duplicate, copy, sell, trade or resell the Services for any purpose.

You agree that you are solely responsible for (and that Singularity has no responsibility to you or to any third party for) any breach of your obligations under the Terms of Use and for the consequences (including any loss or damage which Singularity may suffer) of any such breach. You further agree to use your data in accordance with the Privacy Policy.

If you have opted for the use of Singularity’s lending product by which your customers have set up a standing instruction (“RECURRING PAYMENT INSTRUCTION”) to charge his / her bank account as per the billing cycle then you consent that the relevant amount will be charged to such payment method as per the billing cycle communicated by Singularity. You agree that Singularity shall continue to set the appropriate amount to the relevant customer’s chosen payment method as per such billing cycle until you or the customer terminates the Recurring Payment Instruction.