Terms and Conditions
of Using the Website/App and the Services Offered by or Through the Website/App
a. Financial Buddy Mobile App: Means the Financial Buddy mobile application using Android, apple or other platform of similar nature whether current or future.
b. Financial Marketing Lead: Financial Marketing Lead shall mean any marketing lead that has the capability of getting converted into a concrete loan disbursal, whether actually converted into a loan disbursal or not.
c. The Company, “We”, “Us”, ”financial buddy” or “our” shall mean Antworks Financial Buddy Technologies having its registered office at 165, Tower B1, Spaze IT Park, Sector-49, Sohna Road, Gurugram.
d. Referrer: Referrer shall mean any person who has registered with Antworks Financial buddy Technologies through financial buddy Mobile App and / or the Site, to act as a Referrer for generating Financial Marketing Lead and for being eligible to Success Fee.
e. Borrower: Borrower shall mean any person who has registered on Loan Buddy section of Financial Buddy App. This registration allows a person’s loan proposal to be listed on online platform of Antworks P2P Financing Private Limited or any other portal facilitating the loan proposal. On registering at Loan Buddy section, user is deemed to have read terms and conditions of Antworks P2P Financing Private Limited at following link antworksp2p.com/term-and-conditions and gives consent for the same.
f. Site: Site means antworksmoney.com/financial-buddy or Financial Buddy Mobile App which is owned and managed by the Company.
g. Service: Service shall mean any service provided by financial buddy on antworksmoney.com/financial-buddy or Financial Buddy Mobile App and shall include the registration of Referrer and generation of Financial Marketing Lead.
h. Success Fee: Success Fee shall mean the fee at a pre-determined rate that the Referrer shall be entitled to receive for every successful conversion of a Financial Marketing Lead into an actual disbursement of loan.
i. You/Your: You/Your shall mean a natural or legal person who is at least 18 years of age and could legally enter into a contract in India and could act as a Referrer for the facility/ Service provided on antworksmoney.com/financial-buddy or Financial Buddy Mobile App in accordance with the terms and conditions recorded hereinafter.
a. antworksmoney.com/financial-buddy or Financial Buddy Mobile App is freely accessible to any individual or legal entity by registering themselves with either antworksmoney.com/financial-buddy or Financial Buddy Mobile App as Referrer and create their individual registration account in order to submit Financial Marketing Leads and for being eligible to get a Success Fee.
b. Notwithstanding anything contained hereinabove, a Person who cannot enter into legally binding contract in accordance with the provisions of the Indian Contract Act, 1872 including person below the age of 18 years or of unsound mind and un-discharged insolvents etc. are not entitled to register and/or act as a Referrer.
c. When you create an account with us, you confirm that you are above the age of 18 and is legally capable of entering into legally binding contract in accordance with the provisions of the Indian Contract Act, 1872, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account irrespective of the fact whether you have been successful in generation of a successful Financial Marketing Lead.
d. You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password.
e. You shall not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.
f. All registration information must be correct, complete and promptly updated by the Referrer each time it changes.
g. You are registering yourself on antworksmoney.com/financial-buddy or Financial Buddy Mobile App for acting as a Referrer on a non-exclusive, non-binding and guarantee-less basis and thus, Antworks Financial Buddy Technologies is under no obligation to work on your Financial Marketing Lead and shall be entitled to engage any number of referrers of its choice and shall be at liberty to accept or ignore any Financial Marketing Lead that might have been submitted on the Site or the Mobile App by any person. Accordingly, you undertake that you do not have any automatic right to any assessment of a Financial Marketing Lead submitted by you. If there are multiple Financial Marketing Leads on the same proposal or person/ entity, then the Company would have absolute discretion to decide which Financial Marketing Lead would be acted upon for conversion.
h. If any Financial Marketing Lead submitted by you is ultimately converted into an actual loan disbursal, you shall be entitled to appropriate referral rewards.
i. Antworks Financial Buddy Technologies shall endeavour to make the system of Referral robust enough to ensure, appropriate referral rewards is paid to the genuine referrer of Financial Marketing Lead.
j. We reserve the right to refuse your registration, terminate accounts, remove your content at our sole discretion.
As a condition of using the Service you agree to subscribe to newsletters, marketing or promotional materials and other information we may send through emails / SMS/ Phone Calls. We will send you information regarding your account activity as well as updates about our Services and Products and promotional offers. You can opt-out of our promotional emails anytime by clicking the unsubscribe link at the bottom of any of our email correspondences.
a. Our Service might allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material (“Content”). You shall be responsible for the Content that you post on or through the Service, including its legality, reliability, and appropriateness.
b. By posting Content on or through the Service, You represent and warrant that: (i) the Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity. We reserve the right to terminate the account of anyone found to be infringing on a copyright.
c. You retain any and all of your rights to any Content you submit, post or display on or through the Service and you are responsible for protecting those rights. We take no responsibility and assume no liability for Content you or any third-party posts on or through the Service. However, by posting Content using the Service you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service.
d. Antworks Financial Buddy Technologies has the right but not the obligation to monitor and edit all Content provided by users.
e. In addition, Content found on or through this Service are the property of Antworks Financial Buddy Technologies, or used with permission. You shall not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us.
The trademarks, logos and service marks (“Marks”) displayed on the Site are the property of The Company and other respective persons as claimed therein. Referrers are prohibited from using any Marks for any purpose including, but not limited to use as meta-tags on other pages or sites on the World Wide Web without the written permission of the Company or such third party who may own the Marks. All information and content including any software programs available on or through the Site (“Content”) is protected by copyright. Referrers are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.
a. You agree and undertake that our Service may contain links to third party web sites or services that are not owned or controlled by us and accordingly we have no control over those third-party web sites or services, and thus we assume no responsibility for the content, privacy policies, or practices of any third party web sites or services. Furthermore, we do not warrant the offerings of any of these entities/individuals or their websites.
b. You also agree and undertake that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of www.antworksmoney.com or Financial Buddy Mobile App or any third party website or Application through antworksmoney.com/financial-buddy or Financial Buddy Mobile App.
c. We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.
The Company shall have the right, but not the obligation, to monitor the Site or the App at all times, including any chat rooms and forums that may hereinafter be included as part of the Site, to determine compliance with this Agreement and any operating rules established by the Company, as well as to satisfy any applicable law, regulation or authorized government request. Without limiting the foregoing, the Company shall have the right to remove any material that the Company, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.
We are granting you a limited permission to access and make use of the Site or the Mobile App. This permission does not include any downloading or copying of account information for the benefit of another vendor or any other third party; caching, unauthorized hypertext links to the Site or the Mobile App and the framing of any Content available through the Site or the Mobile App, 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 the Company’s sole discretion) an unreasonable or disproportionately large load on the Company’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by the Company to prevent or restrict access to the Site or the Mobile App. Any unauthorized use by you shall automatically terminate the permission granted to you by the Company. By using this Site or the Mobile App and by accepting to agree to these terms and conditions you also agree that you shall not hack or otherwise hire some third party to hack the Site or the Mobile App or use any other unauthorized means without a written consent of the Company and access any third-party information. You shall in such an event be liable of a criminal offence and the Company shall institute appropriate legal proceedings to claim liquidated damages without any reference to you. The Company also reserves rights to institute appropriate legal for any intellectual property rights violation or infringement caused by using this website whether by you or any person acting through you.
i. We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
ii. If you wish to terminate your account, you may simply discontinue using the Service.
iii. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
You agree to indemnify and hold the Company (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any claim or demand, including reasonable attorneys’ fees, or arising out of or related to your breach of this T&C, or your violation of any law or the rights of a third party including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfilment of any of your obligations under these Terms arising out of violation of any applicable laws, regulations including but not limited to Intellectual Property Rights, payment of statutory dues and taxes, claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other subscribers and infringement of intellectual property or other rights. This clause shall survive the expiry or termination of these Terms.
a. The Site or the Mobile App may provide Referrers with the ability to send email messages to other Referrers and non-Referrers and to post messages on the Site or the Mobile App. The Company is under no obligation to review any messages; information or content (“Postings”) posted on the Site or the Mobile App by Referrers and assumes no responsibility or liability relating to any such Postings.
b. You understand and agree not to use any functionality provided by the Site or the Mobile App to post content or initiate communications that contain:
(i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
(ii) Advertisements or solicitations of any kind.
(iii) Impersonate others or provide any kind of false information.
(iv) Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.
(v) Messages by non-spokesperson employees of The Company purporting to speak on behalf of The Company or containing confidential information or expressing opinions concerning The Company.
(vi) Messages that offer unauthorized downloads of any copyrighted or private information.
(vii) Chain letters of any kind.
(viii) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message.
This prohibition includes but is not limited to:
a. Using the antworsmoney.com invitations to send messages to people who don’t know you or who are unlikely to recognize you as a known contact;
b. Using the www.antworksmoney.com to connect to people who don’t know you and then sending unsolicited promotional messages to those direct connections without their permission; and
c. Sending messages to distribution lists, newsgroup aliases, or group aliases.
b. If you use the Site or the Mobile App, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. You also agree and understand that the Company shall not be responsible for any wrongful use of your account. Because of this, we strongly recommend that you exit from your account at the end of each session.
c. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
d. The Company reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion.
a. In no event shall Antworks Financial buddy Technologies, nor its subsidiaries, employees, officers, affiliates, directors, agents, suppliers, shareholders, non-executive directors or its licensors be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, misrepresentation, fraud, coercion, breach of trust, misappropriation, cheating or for any other such reason of the Referrers or of third parties whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
b. You understand and agree that the Company, does not guarantee any fee, profit or other receivables and does not have any control on the products or services offered by any third party through www.antworksmoney.com or Financial Buddy Mobile App. Accordingly, you understand and accept that the Company is no way liable for any direct, indirect, punitive, incidental, special, or consequential damages including but not limited to loss of profits and loss of goodwill or loss of interest that might result from either misrepresentation, fraud, coercion, breach of trust, misappropriation, cheating or for any other such reason of any third-party service provider.
c. This limitation of liability section shall prevail over any conflicting or inconsistent provision contained in any of the documents emanating from or related to this Agreement. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature. You further with immediate effect waive any right which had accrued to you from using the website to initiate any legal action against the Company.
d. The Company, its associates and technology partners make no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Site or that the operation of the Site will be error free and/or uninterrupted. Consequently, the Company assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site; and/or any interruption or errors in the operation of the Site. You expressly understand and agree that the Company and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if the Company has been advised of the possibility of such damages), resulting from use of the Site, sale and supply of Products content or any related goods and services.
i. The Referrer/user acknowledges that, although the internet is often a secure environment, sometimes there are interruptions in service or events that are beyond the control of the Company, and the Company shall not be responsible for any data lost while transmitting information on the internet.
ii. While it is the Company’s objective to make the Site and / or App accessible 24 hours per day, 7 days per week, the Site and / or App may be unavailable from time to time for any reason including, without limitation, routine maintenance.
iii. You understand and acknowledge that due to circumstances both within and outside of the control of the Company, access to the Site and / or App may be interrupted, suspended or terminated from time to time.
iv. The Company shall have the right at any time to change or discontinue any aspect or feature of the Company, including, but not limited to, content, hours of availability and equipment needed for access or use. Further, The Company may discontinue disseminating any portion of information or category of information, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics.
v. Our website / App users may experience difficulty in accessing website from 05:00 AM to 05:30 AM due to website updates. Apart from this, The Company reserves the right to suspend the operation of the website / App for emergency maintenance with assurance of minimum down time. We apologize for the inconvenience caused to our Users.
i. Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
ii. Financial Buddy, its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
iii. The Company, its associates and technology partners make no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Site or that the operation of the Site will be error free and/or uninterrupted. Consequently, the Company assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site; and/or any interruption or errors in the operation of the Site. You expressly understand and agree that the Company and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if The Company has been advised of the possibility of such damages), resulting from use of the Site, sale and supply of Products content or any related goods and services.
i. We reserve the right to change these Terms and Conditions of its Service without informing you. You should check and study our Site for any updated Terms and Conditions.
ii. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.