Terms & Conditions
Please read these terms and conditions carefully before using our services. This is a legally binding agreement between you and Sajan International Private Limited.
Important Notice
By accessing this website, or any pages thereof, and/or using the information or services provided on or via this website, you agree to be bound by these terms and conditions. In the event you are not agreeable to the T&C, you should not access the website or avail the services available on the website.
Please read the terms and conditions ("Terms" or "T&C") carefully. This is a legally binding agreement between you, the user, and Sajan International Private Limited ("Sajan International") and all its fellow subsidiaries, group companies and permitted assigns establishing the terms and conditions under which this website may be used/accessed.
You further understand that the access to the website and the offer of services is conditional upon your irrevocable consent and acceptance of all the terms, conditions and obligations contained herein (as may be amended from time to time).
In the event of any conflict between the terms and conditions of specific products and services and these terms and conditions, the conditions specific to such products and services shall prevail.
General
These Terms, sets forth the terms and conditions that apply to use of this site Sajan International and all sub sites that reside under the site (collectively 'Website'), by a Subscriber. The Terms are governed by the provisions of the applicable Indian laws, the rules, regulations, guidelines, and clarifications framed thereunder, including but not limited to:
- • The Indian Contract Act, 1872;
- • The Information Technology Act, 2000;
- • The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011;
- • The Information Technology (Intermediaries Guidelines) Rules, 2011.
These Terms and your activity under these Terms are an electronic record as per the (Indian) Information Technology Act, 2000 and these Terms being electronically generated by a computer system does not require any physical or digital signatures. Under these Terms, "You" means you and every each person who establishes or accesses a connection ('Account') for access to and use of the Website.
Restrictions on Use
The Website are owned and operated by Sajan International Private Limited and contains material which is derived, in whole or in part, from material supplied by the Company, its group companies, various news agencies and other sources (including content partners), and is protected by international copyright and trademark laws.
Except where specifically authorised, the Subscriber may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any material from the Website including code and software.
Compliance with the Terms
By using the Website, you agree to comply with all of the terms and conditions hereof. The right to use the Website is personal to you and is not transferable to any other person or entity. You are responsible for all use of your account (under any screen name or password) and for ensuring that all use of your account complies fully with the provisions of this Agreement. You shall be responsible for protecting the confidentiality of your password(s), if any.
Changed Terms
The Company shall have the right at any time to change or modify the terms and conditions applicable to Subscriber's use of the Website, or any part thereof, or to impose new conditions, including but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by any means, including but not limited to, posting on the Website, or by electronic or conventional mail, or by any other means by which you obtain notice thereof. Any use of the Website by Subscriber after such notice shall be deemed to constitute acceptance by you of such changes, modifications or additions.
Use of Information and Materials
Important Disclaimer:
The content (material, information, data, money market movements, news items, texts, graphics, links etc.) contained on this Website is provided for general information only and should not be used as a basis for making business/commercial decisions. You are advised to exercise due caution and/or seek independent advice before availing any facility or entering into any investment or financial obligation based on the Content contained on this Website.
The Content contained on this Website or other terms are provided on an "as is", "as available" basis and are protected by copyright. You may not distribute the Content to others without the express written consent of Sajan International. You may not copy, download, publish, distribute or reproduce any of the Content contained on this Website in any form without prior permission of Sajan International.
The Content on this Website should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other instrument or financial products / schemes of Sajan International, or any of its subsidiaries/affiliates. Use of the products or services described on this Website may not be permitted in some countries and if in doubt, you should check with your local regulator or authority before requesting further information on such products/ services.
Products
Products and Services are available only at the discretion of Sajan International and its fellow subsidiaries, subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.
The user acknowledges that certain functions of this Website would require an active internet connection which can be Wi-Fi or the Local Area Network (LAN) connection. Sajan International and its fellow subsidiaries do not assume any responsibility/liability if the Website is not fully functional due to absence/ insufficiency of the required internet connection.
All rates, charges and fees quoted / stated for various financial products and schemes and interest rates cited as examples of rates which may be in effect from time to time are indicative rates only and are subject to change at any time at the sole discretion of Sajan International and its fellow subsidiaries as the case may be, and applicable Indian laws. These charges, fees and rates may change depending upon the assessment made by Sajan International in individual cases upon receiving necessary information and documents.
Indicative Loan Terms
Loan
The Loan provided by Sajan International shall be the amount stated in the sanction letter which shall be strictly in accordance with the terms and conditions mentioned herein and based on other documents executed by you.
Rate of Interest
The rate of interest will be specified in the sanction letter based upon your risk gradation.
Disbursement
Sajan International will disburse the loan to your designated bank account by way of direct bank transfer via NEFT, IMPS or through such other modes as Sajan International deems fit in its absolute discretion.
Repayment
You shall pay to Sajan International all instalments, inclusive of interest, on a monthly basis on the Scheduled Due Date, from the first due date to the last due date as mentioned in the Sanction Letter/ loan agreements.
In order to facilitate such repayment, Sajan International has provided various options that can be relied upon by you, including, without limitation, debit card payment, Net Banking Payment, direct bank transfer, etc. In order to further secure such payments, Sajan International relies on securest payment gateway like Razorpay.
Problem with a repayment? Please talk to our partner:
Refund: All refunds in relation to your loan that are initiated by us will be credited to the account/card from where the original transaction had initiated. Such refunds shall be credited within the statutory time period.
Equipment
You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Website and all charges related thereto.
Intellectual Property Rights
As long as you respect these terms and conditions for browsing/ using this Website, Sajan International grants you a non-exclusive, non-transferable and revocable license to use this Website.
All rights relating to this website as well as its functionalities are the exclusive property of Sajan International (particularly including but not limited to copyrights, trademarks, source code, patents as well as any other intellectual property right). All the information provided on or via this Website (including all texts, graphics, design or logos) shall be the intellectual property of Sajan International and or its fellow subsidiaries/ affiliates.
You agree not to copy, forward, download or share content without obtaining the necessary rights or permissions to do so. You also agree not to abuse the use of this Website.
Limited Use
While browsing the Website or using any Services provided herein, you agree that you shall not:
- • Use Sajan International's Services for spamming or any other illegal purposes;
- • Infringe Sajan International's or any third party's intellectual property rights, rights of publicity or privacy;
- • Post or transmit any message, data, image or program which violates any law or which discloses private or personal matters concerning any person;
- • Refuse to cooperate in an investigation or provide confirmation of your identity or any other information you provide to Sajan International;
- • Remove, circumvent, disable, damage or otherwise interfere with security related features of the Sajan International's Services;
- • Upload any content that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
- • Reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of Sajan International's Services;
- • Use the Services in any manner that could damage, disable, overburden, or impair;
- • Interfere or disrupt Sajan International's Services and Services or networks connected;
- • Use the facilities and capabilities of Sajan International's Services to conduct any activity or solicit the performance of any illegal activity;
- • Provide false, inaccurate or misleading information to Sajan International's Services;
- • Use Sajan International's Services to collect or obtain personal information about other Users.
Linked Websites
This Website may contain links to other websites of affiliate companies or fellow subsidiaries of Sajan International. This Website also contains links to external websites, having further linked websites, controlled or offered by third parties (non-affiliates of Sajan International), in order to help you find relevant websites, services and/or products which may be of interest to you, quickly and easily. The contents displayed or products / services offered on such linked websites or any quality of the products/ services are not endorsed, verified or monitored by Sajan International or its affiliates.
Data Protection
The storage, usage and transmission of all information obtained by it through the Website, shall at all times be in accordance with the Information Technology Act, 2000 read with Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and all other applicable law.
Sajan International shall at all times have appropriate technical and organisational measures in place to:
- • Prevent unauthorised or unlawful processing of any Personal Data/Confidential Information;
- • Protect any Personal Data/Confidential Information against accidental loss, destruction or damage;
- • Ensure the reliability of its employees/contractor having access to the Personal Data/Confidential Information;
Refund & Cancellation Policy
Any additional payment made by You shall be refunded back within 30 days pursuant to the reconciliation of the accounts by Sajan International.
Disclaimer of Warranty: Limitation of Liability
Important Disclaimer:
You expressly agree that use of Website is at your sole risk. Neither Sajan International, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that Website will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of Website.
Website is provided on an "As Is" basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.
In no event will Sajan International, or any person or entity involved in creating, producing or distributing Website or the Website software, be liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential or punitive damages arising out of the use of or inability to use Website.
Governing Law and Jurisdiction
These Terms will be governed by the laws of the India, without regard to its conflict of laws rules. Any dispute arising on account of the Website of usage of any Services, will be exclusively settled by the courts located in Delhi, India.
Details of Grievance Redressal Officer
In accordance with Information Technology Act, 2000 and rules made there under, the name and contact details of the Grievance Officer of Sajan International are as provided below:
Rasheed Mohammad
Office No-903, 9th Floor, D-Mall, Netaji Subhash Place, Pitampura, North West, New Delhi, Delhi, India, 110034
+91 9951703178
grievance@sajaninternational.com
Breach of the Terms
Without prejudice to Sajan International's other rights under these Terms, if you breach these Terms in any way, or if Sajan International suspects that you have breached these Terms in any way, then Sajan International shall be entitled to take such action as it may deem fit.