WELCOME TO ApnaLoanBazaar.com.

ANY PARTICIPATION IN THIS SITE WILL CONSTITUTE ACCEPTANCE OF THIS AGREEMENT. IF YOU DO NOT AGREE TO ABIDE BY THE TERMS OF SERVICES, PLEASE DO NOT USE THIS SITE.

ENTERING TO THE WEBSITE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF SERVICES WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY MOBILE APPLICATION, BY E-MAIL, FACSIMILE OR OTHERWISE.

(i)The following terms and conditions govern all use of the APNALOANBAZAAR’s products, Services, tools, software, utilities, mobile applications and websites and all its content, Services, and products available at or through the websites or mobile applications, owned and monitored by the company including future applications or websites (referred to collectively as the "Services").

(ii)“APNALOANBAZAAR” or “Apna Loan Bazaar” or “ApnaLoanBazaar.com” or “APNALOANBAZAAR.com” or “APNALOANBAZAAR” or “Indhann” or “inDhann” or “INDHANN” or “indhann.com” refers to A L B Enterprises (India) Private Limited., an Indian company incorporated under the provisions of the Companies Act-2013, having its registered office at #6-3-609/99, Flat No.101, Haripriya Residency,Anand Nagar Colony, Khairatabad, Hyderabad-500004, Telangana, India and includes all its affiliates or subsidiary companies ( collectively referred as “Company”).

(iii)The terms “You” or “Your” or “User” refers to the user who is using/browsing or intends to use/browse our Services.

(iv)The terms “We” or “Our” or “Us” refers to the Company as mentioned in (ii) above.

(i)Please read this Agreement carefully before accessing or using our Services. By accessing or using any part of our Services, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access or use any of our Services. If these terms and conditions are considered an offer by the Company, acceptance is expressly limited to these terms.

(ii)By using the Services, you understand and agree that APNALOANBAZAAR will treat your use of the Services as acceptance of these terms of Services ("TOS") from that point onwards. You agree that we may automatically upgrade our Services, and these terms will apply to any upgrades.

(iii)Usage of our Services is intended for personal, non-commercial use only.

The website contains links to other websites. Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Subject to your compliance with these TOS, APNALOANBAZAAR hereby grants you permission to use the Services, provided that: (i) your use of the Services as permitted is solely for your personal use, and you are not permitted to resell or charge others for use of or access to the Services, or in any other manner inconsistent with these TOS; (ii) you will not duplicate, transfer, give access to, copy or distribute any part of the Services in any medium without APNALOANBAZAAR’s prior written authorization; (iii) you will not attempt to reverse engineer, alter or modify any part of the Services; and (iv) you will otherwise comply with the terms and conditions of these Terms of Services and Privacy Policy.

You may only use the Services to search for and to apply for loans and any other products which are made available to search for and to apply from time to time; to search for the information made available; to utilise the tools made available and you may not use the Services to make any fraudulent applications.

You agree not to use the Services for any purpose that is illegal, unlawful or forbidden by these TOS, or any local laws that might apply to you. Our Services are based out of India, so that by using the Services, we need you to agree to comply with laws that apply to India and your own country, including laws that apply to exporting technical data.

Access is hereby granted to electronically copy or to share in the mode made available with our Services and to print in hard copy, limited portions of the information provided by the Company through its Services for the sole purpose of using material/ information contained therein for personal informational and non-commercial use only. Except for the access granted as mentioned above, none of the information or contents may be copied, reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, adopted, recorded, transmitted, in any manner, photocopied, or reproduced without the prior written permission of the Company or the applicable copyright owner.

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 APNALOANBAZAAR Services.

In order to access and use some of the features of the Services, you acknowledge and agree that you will complete a registration process as required from time to time.

You agree not to use or launch any automated system, including without limitation, "robots," "spiders," "offline readers," etc. or "load testers" such as wget, apache bench, mswebstress, httpload, blitz, Xcode Automator, Android Monkey, etc., that accesses the Services in a manner that creates more artificial load to damage or loss or tamper or destroy our servers, and you are forbidden from ripping the content unless specifically allowed.

Notwithstanding the foregoing, APNALOANBAZAAR grants the operators of public search engines permission to use spiders to copy materials from the website for the sole purpose of creating publicly available searchable indices of the materials, but not caches or archives of such materials. APNALOANBAZAAR reserves the right to revoke these exceptions either generally or in specific cases. We do disallow any efforts to reverse-engineer our system, our protocols, or explore outside the boundaries of the normal requests made by APNALOANBAZAAR clients. We have to disallow using request modification tools such as fiddler or whisker, or the like or any other such tools activities that are meant to explore or harm, penetrate or test the site.

You must secure our permission before you measure, test, health check or otherwise monitor any network equipment, servers or assets hosted on our domain. You agree not to collect or harvest any personally identifiable information, including phone number, email id, postal address from the Services, nor to use the communication systems provided by the Services for any commercial solicitation or spam purposes. You agree not to spam, or solicit for commercial purposes, any users of the Services.

You affirm that you are more than 18 years of age, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Service, and to abide by and comply with these TOS. In any case, you affirm that you are at least 18 years old and are competent to enter in to binding contract or agreement as per the governing local law.

Users may be required to complete registration process to use certain features of our Services. In all such cases users have to obtain a user identification and password by completing a registration process provided in our Services. You agree to provide us with complete and accurate information when you complete registration process.

You will be solely responsible to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of our Services. You will be solely responsible and liable for any activity that occurs under your username. You are responsible for keeping your password secure.

You agree to notify us immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. Although APNALOANBAZAAR will not be liable for your losses caused by any unauthorized use of your user identification, you may be liable for the losses of APNALOANBAZAAR or its affiliates or others due to such unauthorized use.

You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of our Services by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of our Services that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

You agree and acknowledge that all submissions to the Company containing any testimonials, comments, feedback, information, material, improvements, suggestions, personal information filled in forms, and ideas regarding our Services shall be considered non-confidential and shall become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these TOS are later modified or terminated.

You understand and agree that this means that you forever disclaim any proprietary rights in such submissions, and you acknowledge our unrestricted right to publish, use, and commercially exploit, similar, identical or derivative ideas originating from your information or submission, in any medium, now and in the future, without any compensation, notice or other obligation to you or any other person.

You further understand and provide consent that we may use any of your personal information, testimonial, and image, status/likeness shared on social networking websites and/or works, in any way that it sees fit, and may exclude your identity or name or use a fictitious name herewith.

By using the Services, you agree and provide consent to the use of your information as we explained in our Privacy Policy read together with the TOS.

The design of the APNALOANBAZAAR Services along with APNALOANBAZAAR created text, documents, data, scripts, graphics, tools, interactive features, and the trademarks, Services marks and logos contained therein, are owned by or licensed to APNALOANBAZAAR, subject to copyright and other intellectual property rights under the prevailing laws of country, foreign laws and international conventions.

The Services is provided to you AS IS for your information and personal use only. APNALOANBAZAAR reserves all rights not expressly granted in and to the Services. You agree to not engage in the use, copying, or distribution of any of the Services other than expressly permitted herein, including any use, copying, or distribution of information accessed from our associates or vendors or third parties obtained through the Services for any commercial purposes.

This Services and its components are offered for informational purposes only; the Company shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available through APNALOANBAZAAR Services, and shall not be responsible or liable for any error or omissions in that information.

YOU AGREE THAT YOUR USE OF THESE SERVICES SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, APNALOANBAZAAR, ITS OFFICERS, DIRECTORS, EMPLOYEES, ASSOCIATES AND AGENTS, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF. APNALOANBAZAAR MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SERVICES CONTENT AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICE, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES THROUGH THE ACTIONS OF ANY THIRD PARTY, AND/OR (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE APNALOANBAZAAR’S SERVICES. APNALOANBAZAAR DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICES ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE APNALOANBAZAAR SERVICES OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY USER SUBMISSIONS OR OTHER ADVERTISING, AND APNALOANBAZAAR WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

IN NO EVENT SHALL APNALOANBAZAAR, ITS OFFICERS, DIRECTORS, EMPLOYEES, ASSOCIATES OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVERS, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICE BY ANY THIRD PARTY, (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE APNALOANBAZAAR CLIENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND/OR (VII) THE DISCLOSURE OF INFORMATION PURSUANT TO THESE TERMS OF SERVICE OR PRIVACY POLICY. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. YOU SPECIFICALLY ACKNOWLEDGE THAT APNALOANBAZAAR SHALL NOT BE LIABLE FOR USER SUBMISSIONS OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.

The Services is controlled and offered by APNALOANBAZAAR from its facilities in India. APNALOANBAZAAR makes no representations that the APNALOANBAZAAR Services is appropriate or available for use in other locations. Those who access or use the APNALOANBAZAAR Services from other jurisdictions do so at their own volition and are responsible for compliance with local laws and regulations.

You agree to defend, indemnify and hold harmless APNALOANBAZAAR, its affiliates, officers, directors, employees, associates and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the APNALOANBAZAAR Services; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that any of your usage of our Services resulted any damage to a third party. This defense and indemnification obligation will survive these Terms of Service and your use of the APNALOANBAZAAR Services.

These TOS, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by the Company without restriction.

You acknowledge that certain features of our Services, as well other products and Services of the Company and partners or affiliates of the Company, including those that may be available through our Services, may be subject to terms, conditions and disclaimers in addition to these TOS, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

By submitting information to the Company through our Services or otherwise you are making an inquiry as to products, programs, information and services offered by the Company and partners or affiliates of the Company and give the Company permission to contact through e-mail, fax, or telephone, or any means, even if your phone number is registered on a “Do Not Call” registry or list.

Your communications with us via the Websites, social networking websites, chat, e-mail, mobile applications, telephone, Letters in writing or printed or in any other manner and any other mode of communication made available to establish an legally acceptable communication to contact us in relation with our Services may be recorded or monitored and by using such communications methods you agree and accepting to the recording or monitoring of the same.

You agree that: (i) the Services shall be deemed solely based in India and (ii) that you agree to subject to the jurisdiction of Hyderabad, India in the event of any legal dispute. These TOS shall be governed by the internal substantive laws of India, without respect to its conflict of laws principles. Any claim or dispute between you and the Company that arises in whole or in part from the Services shall be decided exclusively by a court of competent jurisdiction located in Hyderabad, India. These Terms of Service, together with the Privacy Policy at https://www.apnaloanbazaar.com and any other legal notices published by APNALOANBAZAAR, including, but not limited to an end user license agreement, shall constitute the entire agreement between you and APNALOANBAZAAR concerning the Services.

If any provision of these Terms of Service is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Service, which shall remain in full force and effect. No waiver of any term of this these Terms of Service shall be deemed a further or continuing waiver of such term or any other term, and APNALOANBAZAAR's failure to assert any right or provision under these Terms of Service shall not constitute a waiver of such right or provision.

APNALOANBAZAAR reserves the right to amend or modify these Terms of Service at any time, and it is your responsibility to review these Terms of Service for any changes. If you do not agree to the revised Terms, your only recourse is to discontinue the use of the Services. Your continued use of the Services following any amendment of these Terms of Service will signify your assent to and acceptance of its revised terms.

These Terms of Service were last modified in January 09, 2017.