Ratekhoj (www.ratekhoj.com) is a web portal which provides information about the services offered by Ratekhoj and also allows the customers to reach Ratekhoj for availing the same.
Briefly detailed below are the various terms and conditions which the user will have to abide by if they intend to use the Ratekhoj's services.
By using Ratekhoj's products, software, services and web sites (referred to collectively as the "Services"), it is expressly agreed and accepted and understood by you that Ratekhoj shall and will confirm and treat the said usage of the Services as acceptance of these terms and conditions ("Terms") from that point onwards. Further it is duly accepted and agreed upon by that pursuant you having used or agreed to use the services of Ratekhoj, you have accepted and consented to abide by the terms and conditions of Ratekhoj as detailed herein and wherever required in their services by Ratekhoj.
Ratekhoj will be coordinating delivery of loans, credit cards, insurance (life and general) or any other such services to its customers using its web portal. The user data which is furnished to Ratekhoj will be utilized by Ratekhoj for furtherance of their said services like data pertaining to personal loan customers will be provided to Banks, companies, etc offering personal loan to customers.
IT is hereby duly acknowledged and agreed by you that Ratekhoj is the sole and absolute owner of all the legal right, title and interest in and to the Services, including any intellectual property rights which subsist or which may subsist in the future in the Services (whether those rights are registered or not, and wherever in the world those rights exist). You further acknowledge that the Services may contain information which is designated confidential by Ratekhoj and that you shall not disclose such information without Ratekhoj prior written consent. You may not copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of Ratekhoj trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.
It is duly hereby acknowledged and agreed upon by you that the Ratekhoj's Website and services are intended for personal, non-commercial use. It is to be duly agreed upon and understood by you that you shall register to become a member of the Website only if you are of sufficient legal age and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission). You may only use the Website to search for and to apply for loans, insurance products and credit cards and you may not use the Website to make any fraudulent applications. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.
The services offered by Ratekhoj through the website, of loan, insurance and credit card product options by third parties does not in any way imply, suggest, or constitute any sponsorship or approval of Ratekhoj of the said products and their terms and conditions including the assurance of the said user being sanctioned offered the said product and services by the third parties and does not amount to Ratekhoj suggesting or recommending to the user of the said third parties or their loan, insurance or credit card products. You further expressly agreed that Ratekhoj is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and Ratekhoj will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
The Website and all content and services provided on the Website are provided on an "as is" and "as available" basis. Ratekhoj expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Ratekhoj shall assume no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any services offered through the site will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the site will meet your expectations.
It is further expressly agreed by you that Ratekhoj (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the performance or non performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website or your downloading of any content from the Website.