TERMS AND CONDITIONS

  • You must be of legal age of minimum 18 Years in order to enter into a binding agreement to accept the Terms. If you do not agree to all of the General Terms, please do not use any of our Services. However, if you agree to the General Terms you can use our website/web application and its corresponding services. You can accept the Terms by checking a check box or clicking on a button indicating that you accept our terms.Users may not have more than one active account.

  • By registering on our website/web application you acknowledge that Ruloans Distribution Services Private Limited, its group companies and associates reserves the complete right, in its sole discretion, to deny you access to this website/web application or any portion thereof without notice. Termination or cancellation of this Agreement shall not affect any right or relief to which Ruloans may be entitled, at law or in equity. Upon termination of this User Agreement, all rights granted to you will terminate and revert to Ruloans.

  • On visiting our website/web application, once you submit your contact details, you authorize Ruloans and its partners to “Contact” you with regards to offering our services. By agreeing to this, you accept that we can contact you even if you have installed the DND “Do not disturb” service.

  • Ruloans team can contact you via any medium right from “Phone, SMS, Email or any other form to communicate”. This communication will be for the sole purpose of verifying your details, offering assistance and our services on all our products and sharing information.

  • Telephone calls, emails and other communication modes that you may use to contact with our customer service help lines may be monitored and/or recorded for training purposes. This will help us to train our staff and improve our service to you.

  • The information on the website/web application can be changed from time to time without providing any notice to anyone. The nature and timing of this is solely under the Ruloans management.

  • Any unauthorized use by you as an individual/institution or any illegal or unlawful activity by you in or for this website/web application shall indefinitely terminate the permission or license granted to you by Ruloans to use this website/web application and may give rise to a claim for damages and/or be a considered criminal offence. You can operate a link to this website/web application provided you do so in a way that is totally fair and completely legal. It also must not damage the reputation of Ruloans or take advantage of it, as determined by us. You must not operate a link to this website/web application in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this website/web application at any time and we may withdraw any linking permission at any time.

  • We do not guarantee that the data, material and information on this website/web application is accurate or that there are no errors or omissions in the data and information. The content and/or services published on our website/web application or shared by any business associate(s) may include inaccuracies or errors, including pricing errors. 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.

  • We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this website/web application or for any acts, omissions, errors or defaults of any third party in connection with that product or service. Please be aware that the information and descriptions of products and/ or services on this website/web application may not represent the complete descriptions of all the features and terms and conditions of those products and/ or services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it.

  • Ruloans is not liable for the acts, errors, omissions, representations, breaches or negligence of any kind of our affiliates or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. In no event shall Ruloans and/or its affiliates be liable for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of, or in any way connected with, your access to, display of or use of this website/web application or with the delay or inability to access, whether based on a theory of negligence, contract, tort, strict liability, or otherwise.

  • As a person/entity, any username, password and/or other identification information must be kept completely confidential and must never be disclosed to, or shared with, anyone. In the event you do disclose to or share with anyone your username, password and/or other identification information, you are completely responsible for all activities undertaken on this website/web application using your username, password and/or other identification information. You must check and ensure that all information, content, material or data you provide on this website/web application is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur for any information provided or shared by any business associate(s) or if any information, content, material or data you provide on this website/web application is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

  • You must get total permission from any other person about whom you propose to provide information before you provide it. When you submit any other person's details, you are confirming to us that you have their permission to do so and that they understand how their details will be used. You are solely liable for any impersonation or fraud that you may commit while submitting any information on this website/web application and the resultant damage or injury that such impersonation or fraud may cause to us or to any third party. Ruloans and the affected third parties shall have complete rights to initiate such legal action against you as deemed fit. You undertake to comply with all laws, rules and regulations in force at all times during the subsistence of these terms within the territory of India.

  • We work completely to protect your privacy. We process your information which is in line with our Privacy Policy. By using this website/web application, you agree to the way in which we process and deal with your personal information. We may disclose your personal information or access your account if required to do so by law, any court, any financial services authority, or any other applicable regulatory, compliance, governmental or law enforcement agency.

  • We do not encourage nor allow our partners to take any money/commission from the customers. As customers, you must not pay any money to our partners or associates. If they request any money, it is your duty to inform this to us on support@ruloans.com. Our partners have to comply as per norms of banking laws and Indian laws. If any deviation is found and the said person is found to be guilty, the culprit will be punished as per Banking laws and Indian laws.

  • Ruloans reserves the right to decide the locations where they can provide their services. In case there are no associates or partners present in a said location, then Ruloans can decide to not service that location.

  • Any person currently working directly or indirectly in the Banking industry is not allowed to pass any leads on our website/web application. In case, said person forges his/her identity and provides us falsified information and then shares leads, Ruloans has the right to forfeit his/her payout. Ruloans also has the right to delete his/her profile from our website/web application. The culprit will also be reported to the concerned bank where he/she is reporting immediately.

  • Ruloans completely reserves the right to suspend the products and/ or services if in Ruloans opinion security of the website/web application or of the data could be compromised. Ruloans may also suspend any products and/ or services on the website/web application for any customer at its sole discretion without assigning any reason whatsoever. In such event user may contact support@ruloans.comfor any clarification.

  • The copyright in the information, content or data displayed on this website/web application belongs to Ruloans or our licensors or our licensees or authorized or permitted agents/members. This website/web application contains material which is owned by or licensed to us and are protected by copyright. This material includes, but is not limited to, data, documents, information, details, design, layout, appearance and graphics; logos, business names, trading names, service marks and trade-marks, internet domain names, moral rights, rights specifications, know how, processes and business methods and all such rights are reserved. Reproduction of any material of our website/web application is prohibited for any commercial use.

  • At Ruloans, we aim to provide you with an excellent service. If you are unhappy with any of our service for any reason or wish to complain to us of any kind, you can inform us about the same by sending an email on support@ruloans.com. We will work to resolve your complaint as soon as possible and if we are not able to do so, we will provide you with an acknowledgement. After we have had an opportunity to investigate your concerns, we will issue you with a final response. If you remain dissatisfied with our response or in case of any kind of disputes, differences, controversies relating to or arising out of our products or services or acts or relating to the use of this website/web application all such disputes, differences and controversies shall be finally, exclusively and conclusively settled by the Arbitration in accordance with the Rules of Arbitration under the provisions of Arbitration and Conciliation Act, 1996 by appointing a sole arbitrator.

  • 20. Ruloans is launching an offer of refer a friend (hereinafter referred to as “Offer”) for individuals to recommend their friends, family, colleagues, or any other known person for Ruloans products. This Offer is valid only in India and for all citizen of India except those employed in banks where Ruloans has an association. The offer is valid on a home loan, personal loan, business loan, loan against property, car loan, gold loan, and credit cards. The person who recommends or refers (hereinafter referred to as “Referrer”).The person for whom the recommendation or reference is given (hereinafter referred to as “referee”). The offer is valid on each successful loan disbursal or credit cards issued. The Referrer will receive rewards benefits for each successful loan disbursal or credit card issued. The Referrer rewards are given in the below table.
    Product Rewards
    Home loan 0.30% of the successfully disbursed amount
    Personal loan 1% of the successfully disbursed amount
    Business loan 1% of the successfully disbursed amount
    Loan against property 0.40% of the successfully disbursed amount
    New Car loan 0.25% of the successfully disbursed amount
    Used Car loan 0.75% of the successfully disbursed amount
    Gold loan 0.75% of the successfully disbursed amount
    Credit card Rs. 500 per successful issuance of the card
    Ruloans will credit the reward amount within 60 days after the successful disbursal or issuance of the card. Referrer agrees to provide his/her name, a passport size photo, detailed address, PAN number, Aadhar card number, and bank account details to Ruloans representative. All rewards are subject to Tax Deduction at Source (TDS) as per the government rules. The referrer agrees to abide by all rules updated from time to time. Important clause: The referrer agrees and confirms by accepting these terms and conditions document that you are not a banker with the bank that is associated with the Ruloans. You are not misusing your position to participate in the offer. If found, Ruloans reserves the right to withhold all reward payments due to you and report your participation to your bank employer. The offer is at the sole discretion of Ruloans and is subject to internal processing. Ruloans reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this Offer, with or without any reason. Ruloans has the sole discretion to change, suspend or modify the Offer or these terms and conditions at any time without prior notice, at its sole discretion. The entrants/customers shall not hold Ruloans, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, responsible for or liable for, any actions, claims, demands, losses, damages, costs, charges, and expenses which an entrant/customer claims to have suffered, sustained or incurred, or claims to suffer, sustain or incur, by way of and/or on account of the offer. All referrers hereby declare that they have obtained due consent from referees to refer their contact details to Ruloans and that Ruloans may contact them to offer its range of products. The Referrer shall be solely liable and responsible for the correctness of all information/details of the Referee. The Referrer acknowledges that Ruloans shall not be in a position to ascertain/ verify such information regarding the Referee and shall not be responsible in any way to any third party for any loss or damage suffered due to such incorrect details. Referrers shall be responsible to Ruloans for any losses or claims that may be occasioned upon Ruloans if this declaration is found to be untrue and on any claims or demands by third parties. Nothing contained in these terms and conditions, nor the running of this Offer to which they apply, shall be construed as an obligation on Ruloans to continue the Offer up to, on, or after the time the Offer Period ends. Nothing mentioned herein amounts to a commitment or representation from Ruloans to conduct further such offers in the future. The terms & conditions of this Offer shall be in addition, and not in substitution/ derogation to, the Rules & Regulations governing the use of the Ruloans products.

  • By clicking “I agree” and signing up on our platform, you as an individual/entity thoroughly acknowledge that Ruloans Distribution Services Private Limited owns title, all legal rights including any intellectual property rights which are present in our loan products and services (whether those rights are registered or not, and wherever in the world those rights exist). You also acknowledge that the products and/ or services may contain information which is designated confidential by and that you shall not disclose such information without Ruloans’ prior written consent. You may not copy, modify, reverse engineer, create a derivative work from, assign, sublicense, grant a security interest in or otherwise transfer any right in the products and/ or services. You do not have the right to use any of Ruloans trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You also do not have the right to remove or alter any proprietary rights notices (including trademark and copyright notices), which may be contained within the products and/ or services.

  • The above mentioned terms and conditions of website and application use and the agreement which they create will be governed within the Indian laws. Any dispute arising out of this Offer shall be subject to the exclusive jurisdiction of competent courts in Mumbai.

  • As a user, by accessing this website/web application or any of its pages, you as a visitor agree to all the above mentioned Terms and Conditions.