Terms & Conditions

This website, www.kwikfincap.com ("Site") is an online platform that offers advisory services and serves as the primary link between you, the customer and Insurers, Lenders, Mutual Fund Operators to ensure that while availing or investing in any of the aforementioned services through Kwik Fincap, you are assured complete peace of mind. At present, Kwik Fincap offers advisory with respect to the following;

i) Health Insurance ii) Life Insurance iii) Travel Insurance iv) Motor Insurance v) Mutual Fund vi) Personal Loan vii) Home Loan viii) Mortgage Loan ix) Equity x) Business Loan xi) Corporate Fixed Deposits xii) Other Investment Products

The aforementioned products at serial number i) to xii) are hereinafter referred to as "Kwik Fincap Advisory Products" The people behind Kwik Fincap are veterans of BFSI industry. Kwik Fincap was born out of the need to serve the numerous consumers of insurance, mutual fund and loans, who remain under served and deprived of clear and concise knowledge with respect to all aspects of the product/service being availed by them, thus leading to a situation where there exists a wide gap in the expectation of the consumer from the product/service and what the product/service actually delivers. Thus, Kwik Fincap strives to offer peerless and end to end advisory with respect to the Kwik Fincap Advisory Products, so that you, the consumer, get a personalized solution to suit your insurance, investment and/or credit facility goals.

Kwik Fincap provides its services to you subject to the following conditions. We request all users to carefully read and understand and accept all of the terms and conditions, hereinafter ("Terms of Use") which appear herein below. Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use and the Privacy Policy Measures, more particularly mentioned herein below, adopted by this Site. The Terms of Use and Privacy Policy Measures are effective and binding upon acceptance and your use of any function of this Site constitutes your acceptance and consent of the Terms of Use and Privacy Policy Measures. In case you do not accept the Terms of Use and Privacy Policy Measures of the Site, you may immediately cease access to this Site and any of its functions. Be sure to return to this page periodically to review the most current version of the Terms of Use and Privacy Policy Measures. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the Terms of Use and Privacy Policy Measures without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified Terms of Use and Privacy Policy Measures.

1. Description of Services In the Site, Kwik Fincap provides users with the mode/medium to evince their interest and consent to be contacted by representatives of Kwik Fincap, who may, provide advisory services with respect to the Kwik Fincap Advisory Products, as chosen by you, the user while inputting your contact and other details as required on this Site. You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this Site, and furnishing your personal / contact details, you hereby agree that you are interested in availing advisory services by representatives of Kwik Fincap. You hereby agree that Kwik Fincap may contact you either electronically or through phone, to understand your interest in the selected Kwik Fincap Advisory Products to fulfill your demand. You also agree that Kwik Fincap reserves the right to make your details available to such Bank's, NBFC's, Financial Institution's Insurance Companie's etc. ("Third Party Providers") as may be necessary, based on the particular product chosen by you from the Kwik Fincap Advisory Products, and you may be contacted by such Third Party Providers for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Kwik Fincap through email or sms.

2. License and Site Access Kwik Fincap grants you a limited license to access and make personal use of the Site and the Kwik Fincap Advisory Products. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Kwik Fincap"s sole discretion) an unreasonable or disproportionately large load on Kwik Fincap"s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Kwik Fincap to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Kwik Fincap. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service, if any such service does exist, whether at present or in future) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.

3. Eligibility The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Kwik Fincap for any reason. If you do not qualify, you may not use the Service or the Site.

4. Your Personal Details In consideration of your use of the Site, and by providing your personal contact details on the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Site to make legitimate enquiries for you or for another person for whom you are legally authorized to act, and will inform such other persons about the Terms of Use and/or Privacy Policy Measures that apply to the use of this Site and the personal details submitted by you on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Kwik Fincap has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, then Kwik Fincap may in its sole discretion, cease to provide service to you with respect to the Kwik Fincap Advisory Products and further refuse any and all current or future use of the Site.

5. Third Party Products Kwik Fincap shall only provide advisory services and assistance to you, upon your express request, to provide such information as may be required by you with respect to various products offered by Third Party Providers and you agree to abide by the terms and conditions of the eventual purchase imposed by any such Third Party Provider with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the Third Party Provider"s rules and restrictions regarding use of products, and/or Services. You agree that any violation of any such Third Party Provider"s rules and restrictions may result in cancellation of your purchase(s), you being denied access to the applicable service(s), forfeiture of any monies paid by you for such Services to Third Party Providers, and/or in our claim against you for any costs we incur as a result of such violation.

6. Disclaimer of Liability and Warranty We do not guarantee the accuracy of, and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services which may be availed / purchased by you from the Third Party Providers.

7. Disclaimer of Online Access, Impressions, And Advertisements In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.kwikfincap.com, its web pages, and any material, information, links, or content presented on the web pages at www.kwikfincap.com. www.kwikfincap.com, its web pages, and any material, information, links, or content presented on the web pages at www.kwikfincap.com, may be unavailable for online access at anytime. Advertising sponsors and advertising, if any and if permitted, must be approved by Kwik Fincap before the posting of any advertising material, information, links, content, banners, and graphics on www.kwikfincap.com. Kwik Fincap reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

8. Local Laws This website is controlled by Kwik Fincap from our office located in the state of Maharashtra, India. It can be accessed by most countries around the world. As each country has laws that may differ from those of Maharashtra, by accessing our website, you agree that the statutes and laws of Maharashtra, will apply to all matters relating to the use of this website and the availing of any advisory services by you from Kwik Fincap through this site. Furthermore, any action to enforce this User Agreement shall be brought in the courts located in Mumbai, India. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

9. Limitation of Liability You expressly understand and agree that any products, services availed by you from any Third Party Providers based on advisory services offered by representatives of Kwik Fincap with respect to the Kwik Fincap Advisory Products, shall be done at your sole risk, responsibility and satisfaction and www.kwikfincap.com or its representatives will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using and/or availing any service, products offered by Third Party Providers based on our resources.

10. Copyrights/Trademarks: All content and materials available on this Site, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Kwik Fincap, and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by Kwik Fincap.

11. Indemnity: You agree to indemnify and hold Kwik Fincap (and its officers, directors, agents, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys" fees, or arising out of or related to your breach of this Terms of Use, violation by you of any law or the rights of any Third Party Provider, or your use of the Site.

12. Electronic Communication: When you use the Site or send emails to support@kwikfincap.com, you are communicating with Kwik Fincap electronically. You consent to receive communications from Kwik Fincap electronically. Kwik Fincap may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

13. Privacy Policy Measures and related Rules: This Privacy Policy is published in compliance of: the Information Technology Act, 2000; and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the "SPI Rules")

By using this Site and/or registering yourself at www.kwikfincap.com you authorize Kwik Fincap, its representatives to contact you via email or phone call or sms and offer you our services for the product you have opted for, imparting product knowledge, for which reasons your information may be collected in the manner as detailed under these Privacy Policy Measures. You hereby agree that you authorize www.kwikfincap.com to contact you for the above mentioned purposes even if you have registered yourself under DND or DNC or NCPR service(s). Your authorization, in this regard, shall be valid as long as you do not intimate your intention to discontinue to receive communication in any manner from www.kwikfincap.com, its representatives, by intimating in writing to Kwik Fincap at support@kwikfincap.com.

• Use of Collected Information: Kwik Fincap collects your personal information viz. Name, Address, Phone Number, Occupation, Email Address, Income etc., in order to offer services relating to the Kwik Fincap Advisory Products to the best of its abilities and as desired by you.

• Information Sharing and Disclosure: www.kwikfincap.com may share your information submitted on this Site to any third party/service provider/business partner without obtaining your prior consent in the following limited circumstances: When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms and Conditions; for complying with the applicable laws and regulations;

Kwik Fincap proposes to share such information with its representatives and such Third Party Providers, as may be required for the purpose of offering services relating to the Kwik Fincap Advisory Products. Kwik Fincap ensures that any Third Party Providers being recipients of such information agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures;

Kwik Fincap may use third-party advertising companies to serve ads when the user visits this Site. These companies may use personal information about the user's visit to this Site and other websites in order to provide advertisements about goods and services of interest to the user.

Kwik Fincap shall transfer information about you in case Kwik Fincap is acquired by or merged with another company.

• We Collect Cookies: A cookie is a piece of data stored on the user"s computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer's hard drive for an extended period of time. Session ID cookies may be used by PRP to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by PRP to store whether, for example, you want your password remembered or not, and other information. Cookies used on the PRP website do not contain personally identifiable information.

• Log Files: Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user"s movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.

• Email- Opt out: If you are no longer interested in receiving e-mail announcements and other marketing information from us, please e-mail your request at: raj@kwikfincap.com.

• Security: We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your login id and password, and may not provide these credentials to any third party.

• Third Party Advertising: We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Website. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this Website in order to provide advertisements on this Site and other third party websites about goods and services that may be of interest to you. We use third-party service providers to serve ads on our behalf across the internet and sometimes on this Site. They may collect anonymous information about your visits to this Site, and your interaction with our products and services. They may also use information about your visits to this and other websites for targeted advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major websites. No personally identifiable information is collected or used in this process.

• Changes in this Privacy Policy: www.kwikfincap.com reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review our Terms of Use and Privacy Policy Measures.