Terms and Conditions
Introduction
Welcome to www.themicrocredit.com (the “Website”). The Website is operated by Micro Credit Pvt. Ltd. (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our Website and services. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Website.
Eligibility
You must be at least 18 years old to use our services. By using the Website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.
Services
Micro Credit Pvt. Ltd. offers various types of loans, including personal loans, home loans, education loans, vehicle loans, gold/mortgage loans, and business loans. Specific terms and conditions for each type of loan will be provided in the loan agreement.
Application Process
- Submission: To apply for a loan, you must submit a completed application form through our Website.
- Verification: We will verify the information provided and may request additional documentation.
- Approval: Approval of loans is at our sole discretion and subject to our lending criteria.
Interest Rates and Fees
Interest rates and fees for our loans vary depending on the type of loan, the applicant’s creditworthiness, and other factors. Specific rates and fees will be disclosed in the loan agreement.
Repayment
- Schedule: Repayment schedules will be detailed in the loan agreement.
- Methods: Payments can be made through various methods as specified in the loan agreement.
- Late Payments: Late payments may incur additional fees and interest as detailed in the loan agreement.
User Obligations
- Accuracy: You must provide accurate and complete information during the application process.
- Compliance: You agree to comply with all applicable laws and regulations.
- Confidentiality: You are responsible for maintaining the confidentiality of your account information.
Privacy
Our Privacy Policy, available on the Website, explains how we collect, use, and protect your personal information. By using the Website, you consent to our collection and use of your personal information as described in the Privacy Policy.
Intellectual Property
All content on the Website, including text, graphics, logos, and software, is the property of Micro Credit Pvt. Ltd. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content from the Website without our prior written permission.
Limitation of Liability
To the fullest extent permitted by law, Micro Credit Pvt. Ltd. shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Website or our services.
Indemnification
You agree to indemnify and hold harmless Micro Credit Pvt. Ltd., its affiliates, and their respective directors, officers, employees, and agents from any claims, liabilities, damages, and expenses arising out of your use of the Website or violation of these Terms.
Changes to Terms
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms.
Governing Law
These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of laws principles.
Contact Us
If you have any questions or concerns about these Terms, please contact us at:
Micro Credit Pvt. Ltd.
Email: info@themicrocredit.com
Miscellaneous
- Entire Agreement: These Terms constitute the entire agreement between you and Micro Credit Pvt. Ltd. regarding your use of the Website and our services.
- Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
- Waiver: Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
By using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.