Terms of Use

Overview

Please read our Terms of Use and the Online Privacy Policy carefully.

In these Terms of Use,

  • We”, “us” and “our” means SarvaGram Fincare Private Limited (“SGSPL”) and/or its affiliates including Sarvagram Solutions Private Limited (“SGFPL”) (collectively referred to as “Sarvagram Group”);
  • The “Site” means any web site, mobile site, or application we provide that includes a link to this Online Privacy Policy;
  • The “Service” means any information, documents, assistance, or services we may provide to you through our Site; and
  • "You” and “your” mean anyone who visits, accesses, or uses our Site or obtains Services from us through our Site.

The services rendered by us are exclusively intended for individuals who are Citizens of India and residing in India. By accessing www.sarvagram.com or any pages thereof, and/or using the information provided on or via this Site, you agree to the following terms and conditions. If you do not agree with the terms and conditions stated hereunder, you shall not access, visit and/or use the Service

User Declaration

By using this Site, you confirm that you are a resident of India and have attained the age of majority to enter into a binding contract and that you 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 transactions 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) that apply to the purchase/transactions you have made on their behalf (including all rules and restrictions applicable thereto). You also confirm that the statements, answers and/ or information given by you are true and complete in all respects and that you are authorized to transact/purchase on behalf of other person(s).

You agree that if you undertake any financial transaction through the Site, we will conduct due diligence and seek mandatory information required for KYC purpose; and as a user you hereby authorize us to facilitate your transaction in accordance with the prevailing Laws and regulations, including Prevention of Money Laundering Act and its rules. Any payment towards the services availed shall be remitted only through the applicant’s bank account or from a joint bank account in which the applicant is a joint holder.

While using the Site to communicate with us, you shall communicate with your registered mobile/telephone number and/or e-mail address. Thereby, you agree to receive communication from us on your registered mobile/telephone number and/or e-mail address.

Notwithstanding whether your telephone/mobile is registered with NDNC and or notwithstanding the Telecom Regulatory Authority of India (TRAI) restrictions/guidelines on unsolicited telecalls, by you accessing this Site and applying/enquiring/verifying any of the products/services offered by us and or you making a request to call back, it is deemed that you have expressly authorized us to call back or send you text messages or messages through Chatbots for solicitation and procurement of our various products and services. In case if you may not wish to receive any calls/messages, you are obliged to proactively inform us about the same.

While using this Site, you agree NOT to, by any means indulge in illegal or unauthorized activities including but not limited to: (i) Use the Site for unlawful purposes; (ii) Collect information about the users without their express consent; (iii) Engage in spamming or flooding; (iv) Transmit any software or other materials that contain any virus or other harmful or disruptive component; (v) Remove any copyright, trademark or other proprietary rights notices contained in the Site; (vi) Copy, mirror any part of the Site without our prior permission; (vii) Permit or help anyone without access to use the Site through your username and password or otherwise; and (viii) posting any defamatory messages to either in print/electronic/social media; (ix) Impersonate any person or entity, falsely claim an affiliation with any person or entity, or access the accounts of others without permission, forge/fabricate another persons’ digital signature, misrepresent the source, identity, or content of information transmitted via the Site, perform any other similar fraudulent activity or otherwise send or receive what we reasonably believes to be potentially fraudulent funds; (x) Infringe our or any third party’s intellectual property rights, rights of publicity or rights of privacy; (xi) Use any robot, spider, other automatic device, or manual process to monitor or copy the Site without prior written permission; (xii) Use any device, software or routine to bypass Site exclusion headers, or interfere or attempt to interfere, with the Site; (xiii) Remove, circumvent, disable, damage or otherwise interfere with security-related features of the Site or features that enforce limitations on the use of the Site; (xiv) Reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Site or any part thereof; (xv) Use the Site in any manner that could damage, disable, overburden, or impair it, including but not limited to using Site in an automated manner; (xvi) Intentionally interfere with or damage operation of the Site or any user’s enjoyment of them, by any means, including but not limited to uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code.

You voluntarily consent to register as a member of Sarvagram Community to get personalized and exclusive products, offers and services from us in tie up with our business partners for meeting your financial needs while you access any products or Services on the Site.

Indemnity

The user agrees to indemnify, defend and hold us harmless, and our directors, officers, employees, agents, third party service providers, and any other third party providing us with any service in relation to the Services and for indulging in any prohibited conduct as mentioned above whether directly or indirectly, from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by us that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any terms of this Terms of Usage including any representation, warranty, covenant or agreement made or obligation to be performed by you pursuant to these Terms of Usage.

Use of Material and Information

The content (material, information, data, news, etc.) contained on this Site is provided for general information only and should not be used as a basis for making business/commercial decisions. SGFPL does not provide any advisory services. You are requested to exercise caution and/or seek independent professional advice before entering any investment or financial obligation based on the content contained on this Site.

Images used on this Site and the models photographed in them are for representative purposes only and are not indicative of anyone’s personal thoughts or ideas.

The content on this Site 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 the Sarvagram Group, corporate partners, subsidiaries or any of its affiliates.

Products and Services are available only at our discretion, subject to the individual contractual terms and conditions of the respective entity of the Sarvagram Group in relation to such products and Services, basis which such products and Services are offered and such products and Services may be withdrawn or amended at any time without notice. In the event of any conflict between the terms and conditions of specific products and services displayed on the Site vis-à-vis the terms and conditions laid down by the respective entity of the Sarvagram Group (‘Product Owner’), the terms and conditions laid down by the Product Owner shall prevail.

No Representation or Warranty

No information sent to any user through this Site or available on this Site shall constitute any representation or warranty by us regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity.

This Site may contain statements of various professionals/ experts/ analysts, etc. We do not represent/ endorse the accuracy, reliability of any of statements/ information by any such person. It is the responsibility of the user of this Site to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any statements, services or other information provided on this Site. All information in this Site is being provided under the condition and understanding that the same is not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. We may at any time (without being obliged to do so) update, edit, alter and or remove any information in whole or in part that may be available on this Site and shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability. Nothing contained herein is to be construed as any advice or recommendation to use any product or process. Though we will endeavor that information contained on this Site is obtained from sources which are reliable, however we do not warrant such information’s completeness or accuracy

Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. We are not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions the user may initiate.

We do not represent or warrant that the Site will be uninterruptedly available. Please note that the Site may not meet the user’s requirements, that access may be interrupted, that there may be delays, failures, errors or omissions or loss of transmitted information, that viruses or other contaminating or destructive properties may be transmitted or that damage may occur to your computer system. You have sole responsibility for ensuring adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third-party software that may be used relating to the Site.

Limitation of Liability

Sarvagram Group and the directors and employees of the Sarvagram Group accept no liability for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, dam age or expenses) from your use of this Site or any linked site howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Site, its contents or associated services, or due to any unavailability of the Site or any part thereof or any contents or associated services.

We reserve the right to change the information provided on or via this Site, including the terms of this disclaimer, at any time and without notice. However, we shall not undertake to update the content contained on this Site from time to time. You are obliged to exercise your independent diligence on the information provided on or via this Site before arriving at any decision and you will be solely responsible for your actions. We shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability on account of such change in the information on this Site.

Intellectual Property Rights

Nothing contained in this Site should be construed as granting any license or right to use any trademarks displayed on the Site. We retain all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this Site (including all texts, graphics and logos). Users are prohibited from using, modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content available on or through the Site for any purpose without our explicit written permission. The materials on this Site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without our prior written consent.

Linked Websites

This Site may contain links to other websites of group companies, corporate partners, subsidiary companies and affiliate companies of SGFPL. This Site may also contain links to external websites, having further linked websites, controlled or offered by third parties (non-affiliates of SGFPL), 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 us. We are also not responsible for the owners or operators of such external websites or for any products or services they supply or for the contents of their websites and do not give or enter into any conditions, warranties, express or implied; or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external website to which this website includes a link infringes the intellectual property rights of any third party).

Governing Law

This Site and disclaimer shall be governed by and construed in accordance with all applicable laws of India. All disputes arising out of or relating to this disclaimer or use of this Site shall be submitted to the exclusive jurisdiction of the courts of Mumbai.

By accessing this Site and any of its webpages, it is deemed that you are agreeing to the terms set out above.

Overview

Please read our Terms of Use and the Online Privacy Policy carefully.

In these Terms of Use,

  • We”, “us” and “our” means SarvaGram Fincare Private Limited (“SGSPL”) and/or its affiliates including Sarvagram Solutions Private Limited (“SGFPL”) (collectively referred to as “Sarvagram Group”);
  • The “Site” means any web site, mobile site, or application we provide that includes a link to this Online Privacy Policy;
  • The “Service” means any information, documents, assistance, or services we may provide to you through our Site; and
  • "You” and “your” mean anyone who visits, accesses, or uses our Site or obtains Services from us through our Site.

The services rendered by us are exclusively intended for individuals who are Citizens of India and residing in India. By accessing www.sarvagram.com or any pages thereof, and/or using the information provided on or via this Site, you agree to the following terms and conditions. If you do not agree with the terms and conditions stated hereunder, you shall not access, visit and/or use the Service.

User Declaration

By using this Site, you confirm that you are a resident of India and have attained the age of majority to enter into a binding contract and that you 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 transactions 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) that apply to the purchase/transactions you have made on their behalf (including all rules and restrictions applicable thereto). You also confirm that the statements, answers and/ or information given by you are true and complete in all respects and that you are authorized to transact/purchase on behalf of other person(s).

You agree that if you undertake any financial transaction through the Site, we will conduct due diligence and seek mandatory information required for KYC purpose; and as a user you hereby authorize us to facilitate your transaction in accordance with the prevailing Laws and regulations, including Prevention of Money Laundering Act and its rules. Any payment towards the services availed shall be remitted only through the applicant’s bank account or from a joint bank account in which the applicant is a joint holder. While using the Site to communicate with us, you shall communicate with your registered mobile/telephone number and/or e-mail address. Thereby, you agree to receive communication from us on your registered mobile/telephone number and/or e-mail address.

While using the Site to communicate with us, you shall communicate with your registered mobile/telephone number and/or e-mail address. Thereby, you agree to receive communication from us on your registered mobile/telephone number and/or e-mail address.

Notwithstanding whether your telephone/mobile is registered with NDNC and or notwithstanding the Telecom Regulatory Authority of India (TRAI) restrictions/guidelines on unsolicited telecalls, by you accessing this Site and applying/enquiring/verifying any of the products/services offered by us and or you making a request to call back, it is deemed that you have expressly authorized us to call back or send you text messages or messages through Chatbots for solicitation and procurement of our various products and services. In case if you may not wish to receive any calls/messages, you are obliged to proactively inform us about the same.

While using this Site, you agree NOT to, by any means indulge in illegal or unauthorized activities including but not limited to: (i) Use the Site for unlawful purposes; (ii) Collect information about the users without their express consent; (iii) Engage in spamming or flooding; (iv) Transmit any software or other materials that contain any virus or other harmful or disruptive component; (v) Remove any copyright, trademark or other proprietary rights notices contained in the Site; (vi) Copy, mirror any part of the Site without our prior permission; (vii) Permit or help anyone without access to use the Site through your username and password or otherwise; and (viii) posting any defamatory messages to either in print/electronic/social media; (ix) Impersonate any person or entity, falsely claim an affiliation with any person or entity, or access the accounts of others without permission, forge/fabricate another persons’ digital signature, misrepresent the source, identity, or content of information transmitted via the Site, perform any other similar fraudulent activity or otherwise send or receive what we reasonably believes to be potentially fraudulent funds; (x) Infringe our or any third party’s intellectual property rights, rights of publicity or rights of privacy; (xi) Use any robot, spider, other automatic device, or manual process to monitor or copy the Site without prior written permission; (xii) Use any device, software or routine to bypass Site exclusion headers, or interfere or attempt to interfere, with the Site; (xiii) Remove, circumvent, disable, damage or otherwise interfere with security-related features of the Site or features that enforce limitations on the use of the Site; (xiv) Reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Site or any part thereof; (xv) Use the Site in any manner that could damage, disable, overburden, or impair it, including but not limited to using Site in an automated manner; (xvi) Intentionally interfere with or damage operation of the Site or any user’s enjoyment of them, by any means, including but not limited to uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code.

You voluntarily consent to register as a member of Sarvagram Community to get personalized and exclusive products, offers and services from us in tie up with our business partners for meeting your financial needs while you access any products or Services on the Site.

Indemnity

The user agrees to indemnify, defend and hold us harmless, and our directors, officers, employees, agents, third party service providers, and any other third party providing us with any service in relation to the Services and for indulging in any prohibited conduct as mentioned above whether directly or indirectly, from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by us that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any terms of this Terms of Usage including any representation, warranty, covenant or agreement made or obligation to be performed by you pursuant to these Terms of Usage.

Use of Material and Information

The content (material, information, data, news, etc.) contained on this Site is provided for general information only and should not be used as a basis for making business/commercial decisions. SGFPL does not provide any advisory services. You are requested to exercise caution and/or seek independent professional advice before entering any investment or financial obligation based on the content contained on this Site.

Images used on this Site and the models photographed in them are for representative purposes only and are not indicative of anyone’s personal thoughts or ideas.

The content on this Site 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 the Sarvagram Group, corporate partners, subsidiaries or any of its affiliates.

Products and Services are available only at our discretion, subject to the individual contractual terms and conditions of the respective entity of the Sarvagram Group in relation to such products and Services, basis which such products and Services are offered and such products and Services may be withdrawn or amended at any time without notice. In the event of any conflict between the terms and conditions of specific products and services displayed on the Site vis-à-vis the terms and conditions laid down by the respective entity of the Sarvagram Group (‘Product Owner’), the terms and conditions laid down by the Product Owner shall prevail.

No Representation or Warranty

No information sent to any user through this Site or available on this Site shall constitute any representation or warranty by us regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity.

This Site may contain statements of various professionals/ experts/ analysts, etc. We do not represent/ endorse the accuracy, reliability of any of statements/ information by any such person. It is the responsibility of the user of this Site to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any statements, services or other information provided on this Site. All information in this Site is being provided under the condition and understanding that the same is not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. We may at any time (without being obliged to do so) update, edit, alter and or remove any information in whole or in part that may be available on this Site and shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability. Nothing contained herein is to be construed as any advice or recommendation to use any product or process. Though we will endeavor that information contained on this Site is obtained from sources which are reliable, however we do not warrant such information’s completeness or accuracy.

Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. We are not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions the user may initiate.

We do not represent or warrant that the Site will be uninterruptedly available. Please note that the Site may not meet the user’s requirements, that access may be interrupted, that there may be delays, failures, errors or omissions or loss of transmitted information, that viruses or other contaminating or destructive properties may be transmitted or that damage may occur to your computer system. You have sole responsibility for ensuring adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third-party software that may be used relating to the Site.

Limitation of Liability

Sarvagram Group and the directors and employees of the Sarvagram Group accept no liability for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, dam age or expenses) from your use of this Site or any linked site howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Site, its contents or associated services, or due to any unavailability of the Site or any part thereof or any contents or associated services.

We reserve the right to change the information provided on or via this Site, including the terms of this disclaimer, at any time and without notice. However, we shall not undertake to update the content contained on this Site from time to time. You are obliged to exercise your independent diligence on the information provided on or via this Site before arriving at any decision and you will be solely responsible for your actions. We shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability on account of such change in the information on this Site.

Intellectual Property Rights

Nothing contained in this Site should be construed as granting any license or right to use any trademarks displayed on the Site. We retain all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this Site (including all texts, graphics and logos). Users are prohibited from using, modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content available on or through the Site for any purpose without our explicit written permission. The materials on this Site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without our prior written consent.

Linked Websites

This Site may contain links to other websites of group companies, corporate partners, subsidiary companies and affiliate companies of SGFPL. This Site may also contain links to external websites, having further linked websites, controlled or offered by third parties (non-affiliates of SGFPL), 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 us. We are also not responsible for the owners or operators of such external websites or for any products or services they supply or for the contents of their websites and do not give or enter into any conditions, warranties, express or implied; or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external website to which this website includes a link infringes the intellectual property rights of any third party).

Governing Law

This Site and disclaimer shall be governed by and construed in accordance with all applicable laws of India. All disputes arising out of or relating to this disclaimer or use of this Site shall be submitted to the exclusive jurisdiction of the courts of Mumbai.

By accessing this Site and any of its webpages, it is deemed that you are agreeing to the terms set out above.

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