www.antworksmoney.com and AntPay Mobile App (“Antworks Financial Buddy” or “Antworks AntPay” or “AntPay App” or “AntPay” or “Antworksmoney” or “Site” or “we” or “our”) are trade names owned and managed by Antworks Financial Buddy Technologies Private Limited. Antworks Financial Buddy runs a web portal (www.antworksmoney.com) and AntPay App to provide its users with the facility of comparing the terms and conditions of financial products (loan, deposit. Insurance and investments) offered by Banks, lending NBFCs, P2P NBFCs, Insurance companies and other Financial Institutions (herein after called Service Providers). AntPay App also provides user with Recharge, Bill Payment, and other Payment Services (provided by Services Providers). AntPay also provides Digital wallet services. Antworks Financial Buddy shall merely facilitate a transaction between user and Service Provider for a commission. Antworks Financial Buddy neither lends nor borrows through this website. Antworks Financial Buddy is neither a financial institution, nor runs a collective investment scheme or a chit fund or any other such financial scheme.
SITE: Site means antworksmoney.com which is owned and managed by Antworks Financial Buddy Technologies Private Limited
Mobile App: means AntPay Mobile App which is owned and managed by Antworks Financial Buddy Technologies Private LimitedYou/Your:
You/Your shall mean natural or legal person who is at least 18 years of age and could legally enter into a contract in India and could use the services and products provided on antworksmoney.com and/or AntPay Mobile App in accordance with the terms and conditions recorded hereinafter. You/Your shall include both Free users and users who have agreed to become a paid members of this SiteThe Brief Terms and Conditions
Every effort has been made to ensure, that the information contained on the Site is correct, however Antworks Financial Buddy makes no warranty as the accuracy, comprehensiveness, or correctness of any Service(s) or a Product(s) on the Site, and provides all Service(s) and Product(s) on an “as is” basis. By using this Site, you (“you” or the “End User”) agree to these terms and conditions (“Terms and Conditions” or “T&C” or “Terms”) that we have provided. If you do not wish to agree to these Terms and Conditions, please refrain from using this Site.
The Service(s) or a Product(s) and information displayed on the Site is an “invitation to offer” to the End User. Your order for purchase of either Service(s) or Product(s) constitutes your “offer” which shall be subject to the terms and conditions as listed below. antworksmoney.com reserves the right to accept or reject your offer. If you have supplied us with your valid email address, we will notify you by email as soon as possible to confirm receipt of your instruction and email you again to confirm details and therefore process the instruction accordingly for provision of Services(s) or Products(s). Our acceptance of your instructions for either rendition of services or provision of any product will take place upon rendition of Service(s) or dispatch of the Product(s) ordered. No act or omission of Antworks Financial Buddy prior to the actual dispatch of the Product(s) or rendition of services ordered will constitute acceptance of your offer. Similarly, no act or omission of Antworks Financial Buddy prior to the actual rendition of services shall constitute acceptance of your offer. 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 use the Site.
Persons under the age of 18 years are not permitted to get engaged with this Site and have no permission to call for any services or products or to lend or to borrow from through this Site.
By placing an order, you make an offer to us to purchase Service(s) or Product(s) you have selected based on the Terms and Conditions stated below.
You are required to create an account in order to purchase any Services or a Product from our Site. This is required so we can provide you with easy access to print your orders, view your past purchases, and modify your preferences.
If you have any questions about these Terms and Conditions, please contact Antworks Financial Buddy on email@example.com
To read the complete Antworks Financial Buddy Terms and Conditions, please see below.
ACCEPTANCE OF TERMS AND CONDITIONS
By using this Site, you agree to the Terms and Conditions that Antworks Financial Buddy has provided. If you do not wish to agree to these Terms and Conditions, please refrain from using the Site. In the Site, Antworks Financial Buddy provides End Users with access to database of lenders, borrowers and services providers in relation to debt services such as verification agencies and collection agencies etc. The Antworks Financial Buddy is only a platform that brings together borrowers and lenders, it matches the need of borrowers and lender, and provides link to service providers that are associated with the business of borrowing and lending such as verification agency and collection agency. Antworks Financial Buddy in no manner collects deposits from the lenders or person who would like to earn interest on their money by lending. Antworks Financial Buddy only supports the lender in verifying the whereabouts of the borrower on best effort basis.
Description of Products & Services
In the Site, Antworks Financial Buddy inter-alia provides End Users with access to lenders, borrowers, service providers to borrowers, partners who facilitate lending and credit reports for lenders and borrowers, Investment advisory services, Comparison services and such other services as the management shall deem fit and proper.
Antworks Financial Buddy Technologies Pvt. Ltd. also provides Credit Counselling services under product “Credit Doctor”. The details of services are available at https://www.antworksmoney.com/credit-doctor. The services provide the user with insight into his credit report along with action points for improving the credit score. However, the company does not provide any assurance regarding improvement in credit score of users.
Users who are subscribing to “Credit Doctor” services will agree to the following statement stating “I hereby give my free consent and authorize Antworks Financial Buddy Technologies Pvt. Ltd and its service provider by providing my personal information to obtain my Credit Information Report and Credit Score from Equifax Credit Information Services Pvt. Ltd. for the purpose of risk assessment and credit underwriting and not for any other purposes".
Through above consent, Company will access credit report of users who are subscribing to Credit Doctor services for purpose of providing the user with insights into his or her Credit Report. It is implied that user has given his approval for accessing his/her Credit Score at time of subscribing Credit Doctor Services. .Credit Doctor - Return Policy for Quarterly Program
Users enrolling themselves in Antworks Money’s Credit Doctor Program are entitled to refund of their subscription amount after deduction towards expenses of Credit Bureau Reports and Govt taxes in case there was no improvement in the Credit score of users during the subscription period. However, in case the user has availed a loan facility or has opted to avail a loan facility arranged by Antworks through any of its associates/partners, after the date of subscription, the user is not entitled to any refund. The user is not entitled to any refund if he has purchased the plan under Health Bhi Wealth Bhi plan which entitles the user to Health package from V Life from Aetna. The refund is generally processed within 7 days of request made by the user at the link provided on their dashboard on Antworks Money’s portal. The refund is processed through RTGS/NEFT. For any information regarding return policy, you can write in to us at firstname.lastname@example.orgAntPay Rupay Card Reward Club
By registering on the AntPay Mobile App, and activating AntPay wallet services, a user agrees to be part of AntPay Rupay Card Reward Club also called Rupay Club. Antpay Rupay Card Reward Club or Rupay Club is an unincorporated and voluntary group of people who are looking for shopping offers and privileges. The membership of aforesaid club is voluntary and the members get special privileges and offers across more than 100 online and offline stores. The members are also entitled to Reward points on their monthly spend on AntPay Rupay Freedom card, which can be redeemed in cash or exchanged for coupons on AntPay platform.
The rules of the club are subject to changes from time to time completely at discretion of AntPay, and AntPay will always attempt to handle all grievances of club members. However, no user will have any right to claim any amount from AntPay for any changes in Rules or any other reason whatsoever.
In addition, the Group Companies of the Company offer the following services:
Under the "Insurance" Section, for certain insurance products you will be redirected to the website policysecure.in owned by Antworks Insurance Broking and Risk Consulting Pvt. Ltd. (IRDA Registered) a Web Aggregators Ltd. It offers various third-party insurance products.
Under the "P2P Loans" Section, for certain loan products you will be redirected to the website antworksp2p.com owned by Antworks P2P Financing Pvt. Ltd. an RBI registered NBFC-P2P.
Also, under the “Investment” section, for certain investment products you will be redirected to the website antworksp2p.com owned by Antworks P2P Financing Pvt. Ltd. an RBI registered NBFC-P2P.
Upon your clicking “yes” in the options menu we shall be entitled to send you regular updates via email/sms/phone call or any other means regarding our Services and Product offerings.
These terms and conditions that apply to the user of this Site. By using this Site (other than to read this T&C for the first time), user agrees to comply with all of the terms and conditions hereof. The right to use this Site is personal to the user and is not transferable to any other person or entity. User shall be responsible for protecting the confidentiality of User’s password(s), if any. 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 Antworks Financial Buddy, and Antworks Financial Buddy shall not be responsible for any data lost while transmitting information on the internet. While it is Antworks Financial Buddy’s objective is to make the Site accessible 24 hours per day, 7 days per week, the Site may be unavailable from time to time for any reason including, without limitation, routine maintenance. You understand and acknowledge that due to circumstances both within and outside of the control of Antworks Financial Buddy, access to the Site may be interrupted, suspended or terminated from time to time. Antworks Financial Buddy shall have the right at any time to change or discontinue any aspect or feature of Antworks Financial Buddy, including, but not limited to, content, hours of availability and equipment needed for access or use. Further, Antworks Financial Buddy 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.
Modification of Terms
License and Site Access
Antworks Financial Buddy grants you a limited permission to access and make personal use of the Site. 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 and the framing of any Content available through the Site, 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 Antworks Financial Buddy’s sole discretion) an unreasonable or disproportionately large load on Antworks Financial Buddy’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Antworks Financial Buddy to prevent or restrict access to the Site. Any unauthorized use by you shall automatically terminate the permission granted to you by Antworks Financial Buddy. By using this Site 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 use any other unauthorized means without a written consent of Antworks Financial Buddy and access any third party information. You shall in such an event be liable of a criminal offence and Antworks Financial Buddy shall institute appropriate legal proceedings to claim liquidated damages without any reference to you. Antworks Financial Buddy 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. In any event, the jurisdiction to institute any protective proceedings shall vest with the Antworks Financial Buddy within the jurisdiction of New Delhi.
Our website users may experience difficulty in accessing website from 05:00 AM to 0530 AM due to website updates. Apart from this, Antworks Financial Buddy reserves the right to suspend the operation of the website for emergency maintenance with assurance of minimum down time. We apologize for the inconvenience caused to our Users.
Antworks Financial Buddy Usage Eligibility
The antworksmoney.com Service is not available to persons under the age of 18 or of unsound mind or who are declared insolvent or to any person who is cannot enter into a contract as per Indian Contract Act, 1872 as amended from time to time or to any Users suspended or removed from the system by Antworks Financial Buddy for any reason. Users can not have more than one active account. Additionally, Users are prohibited from selling, trading, or otherwise transferring their antworksmoney.com account to another party. If you do not qualify, you may not use the antworksmoney.com or the Site.
In consideration of your use of the Site, you represent that you are of legal age to enter into and/or otherwise not barred from entering into a contract as per Indian Contract Act, 1872, and are not a person barred from receiving services or goods under the laws as applicable in India. Additionally, you are more than 18 years of age. You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site’s registration form and / or such other form, whether in physical or in fungible form, as may be decided by Antworks Financial Buddy from time to time. If you provide any information that is untrue, inaccurate, non-current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Antworks Financial Buddy has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Antworks Financial Buddy has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). As Antworks Financial Buddy is a website that enables borrowers to find lenders and lenders to find borrowers, it considers provisions of wrong information on this web portal willingly an act that would constitute misrepresentation, fraud and cheating. If you use the Site, 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 Antworks Financial Buddy 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. You agree to notify Antworks Financial Buddy immediately of any unauthorized use of your account or any other breach of security. Antworks Financial Buddy reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. In the event, Antworks Financial Buddy finds that the information shared by the User of the website is incorrect or that the User is in breach of terms or conditions of the website or User is in default of the lenders and borrowers agreement than in such case Antworks Financial Buddy may add the name and details of such person in the list of persons who are blacklisted from receiving funds or lending.
User shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of this Site and all charges related thereto. Antworks Financial Buddy shall not be liable for any damages to the End User’s equipment resulting from the use of this Site.
End User conduct
This Site and any individual sites or merchant-specific, city-specific, or state-specific sites now or hereinafter contained within or otherwise available through external hyperlinks with our Site (the “Microsites”) are private property. All interactions on this Site and/or the Microsites must comply with these Terms and Conditions. Although we welcome and encourage user interaction on our Site, we do insist and require that all End Users restrict any and all activity in connection with the use of this Site and the Microsites to that which involves lawful purposes only. End User shall not post or transmit through this Site any material which violates or infringes in any way upon the rights of others, or any material which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Antworks Financial Buddy’s express prior, written approval, contains advertising or any solicitation with respect to Products or Services. Any conduct by an End User that in Antworks Financial Buddy’s exclusive discretion restricts or inhibits any other End User from using or enjoying this Site and/or any of the Microsites is strictly prohibited. End User shall NOT use this Site or any of the Microsites to advertise or perform any commercial, religious, political or non-commercial solicitation, including, but not limited to, the solicitation of users of this Site and/or the Microsites to become users of other on- or offline services directly or indirectly competitive or potentially competitive with Antworks Financial Buddy.
The foregoing provisions of this Section apply equally to and are for the benefit of Antworks Financial Buddy, its subsidiaries, affiliates and its third party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.
Antworks Financial Buddy shall have the right, but not the obligation, to monitor the content of the Site 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 Antworks Financial Buddy, as well as to satisfy any applicable law, regulation or authorized government request. Without limiting the foregoing, Antworks Financial Buddy shall have the right to remove any material that Antworks Financial Buddy, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.
By posting communications on or through this Site, User shall be deemed to have granted to Antworks Financial Buddy a royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sub-licensees.
In order to avail of the Services from the Site, you will need to provide your details prior to get enlisted either as a borrower or as a lender. As an account holder you are required to provide Antworks Financial Buddy with accurate personal information. Provision of another person’s details as your own will not be deemed acceptable.
Our app also collects mobile number for verification to check the active SIM status on the device, uniquely identify you and prevent frauds and unauthorised access.
As a part of our Video Know Your Customer (Video KYC) process, collection of your personal information has become mandatory to ensure the completion and authentication of your KYC. In this regard, permissions for microphone, camera will be mandatorily required. As a part of loan journeys on our App, we require references from the Loan applicant. In this regard, during filing the form on our App, we collect and monitor your contact information which includes name, phone number, account type, contact last modified, favourites and other optional data like relationship and structural address to enable you to autofill the data during the loan application process. This information is required for the purposes of risk analysis, enable us to detect credible references assess your risk profile and to determine your loan eligibility.
Credit Card / Debit Card / other similar Online Account Information
You agree, understand and confirm that the credit card / debit card / other similar online account details provided by you for availing of services on Antworks Financial Buddy will be correct and accurate and you shall not use the credit card which is un-lawfully obtained by you, thus you must not pay or attempt to pay for services using fraudulent credit card information. You further agree and undertake to provide the correct and valid credit card details to Antworks Financial Buddy. In case of orders that amount to Rs.1,000/- or more, the customer will be required to provide the last four digits of the credit card used to place the order, for the purpose of verification.
Further the said information will not be utilized and shared by Antworks Financial Buddy with any third parties unless required for fraud verifications or by law, regulation or court order. Antworks Financial Buddy will not be liable for any credit card fraud. The liability for use of a card fraudulently will be on you and the onus to ‘prove otherwise’ shall be exclusively yours.
Additional Verification by Antworks Financial Buddy
Please note that there may be certain instruction to remit payments or seek rendition of services that Antworks Financial Buddy is unable to accept shall be cancel. We reserve the right, at our sole discretion, to refuse or cancel any order for any reason. We may also require additional verifications or information before accepting any instruction or registering you on are portal as a lender or a borrower. The borrower(s) and lender(s) are required to note that negative third-party verification report(s) are crucial factors considered during the funding process. The funding may get rejected at any stage due to lack of information or verifiable information or negative third-party verification report
Fraudulent /Declined Transactions
Antworks Financial Buddy reserves the right to recover the cost of Service(s) and Product(s), collection charges and lawyer’s fees and any damage that it might have to pay to any third party, from persons using the Site fraudulently. Antworks Financial Buddy reserves the right to initiate legal proceedings against such persons for fraudulent use of the Site and any other unlawful acts or omissions in breach of these terms and conditions.
No Liability of Antworks Financial Buddy
Any person entering this website, acknowledges that Antworks Financial Buddy assumes no liability for any reason whatsoever for his such use. Accordingly, in case he suffers any loss or damage, he shall not hold responsible Antworks Financial Buddy and/or bring any claim or litigation against Antworks Financial Buddy.
Antworks Financial Buddy, 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, Antworks Financial Buddy 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 Antworks Financial Buddy 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 Antworks Financial Buddy 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.
This limitation of liability section shall prevail over any conflicting or inconsistent provision contained in any of the documents comprising 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 him from using the website to initiate any legal action against Antworks Financial Buddy. You also acknowledge that the credibility of a lender or a borrower as depicted upon the website is based on the information that is provided to Antworks Financial Buddy. In case there is a non-disclosure of information to Antworks Financial Buddy of the information, and the judgment of Antworks Financial Buddy is impaired and the ratings or credibility of a lender or a borrower is not found to be correct, Antworks Financial Buddy shall not be responsible for any claims or liabilities. Antworks Financial Buddy in any event is not responsible for any default in return of money that is borrowed from the lender and the lender shall have exclusive right to initiate proceedings against the defaulter borrower. Antworks Financial Buddy do provide the necessary information and support to the lender. However, lender shall not make any claim against Antworks Financial Buddy and shall conduct an independent due diligence of the borrower before lending it to him.
You agree to indemnify and hold Antworks Financial Buddy (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 this T&C or 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 this T&C.
If any of the Terms shall be deemed void, invalid or unenforceable for any reason, that condition shall be deemed several and shall not affect the enforceability of any remaining provision.
Antworks Financial Buddy will communicate with you through any of the mode using email, SMS and telephone or all of them or any other mode. Account holders must provide a valid email address and contact telephone and/ or mobile number to Antworks Financial Buddy for this purpose.
Also, when you use the Site or send emails to Antworks Financial Buddy, you are communicating with Antworks Financial Buddy electronically. You consent to receive communications from Antworks Financial Buddy electronically. From time to time, Antworks Financial Buddy will also send you marketing material. If you do not wish to receive such material, you may unsubscribe from our mailing list at any time by using the unsubscribe function in the electronic marketing communication or by contacting email@example.com You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Site-Provided Email and Postings
The Site may provide End Users with the ability to send email messages to other End Users and non-End Users and to post messages on the Site. Antworks Financial Buddy is under no obligation to review any messages; information or content (“Postings”) posted on the Site by End Users and assumes no responsibility or liability relating to any such Postings. You understand and agree not to use any functionality provided by the Site to post content or initiate communications that contain:
(a) 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.
(b) Advertisements or solicitations of any kind.
(c) Impersonate others or provide any kind of false information.
(d) Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.
(e) Messages by non-spokesperson employees of Antworks Financial Buddy purporting to speak on behalf of Antworks Financial Buddy or containing confidential information or expressing opinions concerning Antworks Financial Buddy.
(f) Messages that offer unauthorized downloads of any copyrighted or private information.
(g) Chain letters of any kind.
(h) 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 antworksmoney.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 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.
The Opt-out Practice
a) If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any personal information that we have collected about you, you can opt-out anytime by sending an e-mail about your request to firstname.lastname@example.org
b) We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services.
The Site or third parties may provide links to other World Wide Web sites or resources. Because Antworks Financial Buddy has no control over such sites and resources, you acknowledge and agree that Antworks Financial Buddy is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Antworks Financial Buddy 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 or reliance on any such content, goods or services available on or through any such site or resource.
Access to Password Protected/Secure Areas
Access to and use of password protected and/or secure areas of the Site is restricted to authorized Users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
I. You acknowledge that the Antworks Financial Buddy is not engaged in either grant of loan or borrowing any money from any member of the website.
II. You acknowledge that the Antworks Financial Buddy is merely managing this website and neither Antworks Financial Buddy or any of its subsidiary or affiliate, employees, advisors, consultants has any interest in either grant of loan or in borrowing money from a member registered on the website.
III. You acknowledge that the Antworks Financial Buddy is not at all responsible for any claim or damage in case either the person who has agreed to grant loan has not granted loan or the person who has agreed to repay the loan do not repay the loan.
IV. You acknowledge that the Antworks Financial Buddy in no manner warrants or guarantees the performance of a service provider that is providing services through the website of Antworks Financial Buddy.
V. You acknowledge that the Antworks Financial Buddy in no manner warrants and guarantees that the grantor of loan or the recipient of loan has provided all the information on this website which is true and correct including his address, phone numbers etc.
VI. You acknowledge that it is your responsibility to verify the information about the person on the website and Antworks Financial Buddy is in no manner liable if the information provided on this website is untrue or incorrect.
VII. You acknowledge that Antworks Financial Buddy is in no manner responsible for any claim of money or damages in the event one person fails to either grant loan or a person fails to repay the loan or misrepresents about his financial status or commits a fraud or a cheating or any other such illegal act.
VIII. You confirm that you have taken expert advice from a legal consultant or any other expert so required, wherever necessary, about your eligibility to lend or borrow on the site as per the law as it stands today in India.
IX. You acknowledge that you are aware of all your rights, duties and applicability of various laws including not limited to Money Lending Act, Income Tax Act, or any other statute, or law, which may govern the lending and borrowing of monies within your State of residence or from where you ordinarily conduct your business.
Disclaimer of Warranties
ALL DETAILS OF THE MEMBERS OF THIS ANTWORKS FINANCIAL BUDDY WEBSITE AND THEIR FINANCIAL STATUS, INCLUDED IN OR AVAILABLE THROUGH THIS SITE ARE PROVIDED FOR USE WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, ANTWORKS FINANCIAL BUDDY, ITS SHAREHOLDERS, ITS HOLDING COMPANY, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT WARRANT THAT THE INFORMATION OR OTHER MATERIAL WHICH IS PLACED ON THE WEBSITE BY ANY PERSON IS CORRECT INCLUDING HIS FINANCIAL STATUS OR CAPABILITY OR HAS NOT APPROACHED THE OTHER USER OF THIS WEBSITE WITH A CRIMINAL INTENT TO EITHER CHEAT OR MISAPPROPRIATE OR DENY ANY OTHER USER OF ITS LEGITIMATE CLAIMS. BY UPLOADING ANY CONTENT, REPRESENTATION OR STATEMENT OF YOUR FINANCIAL STATUS OR YOUR PROOF OF RESIDENCE YOU REPRESENT AND WARRANT THAT YOU HAVE THE LAWFUL RIGHT TO REPRODUCE AND DISTRIBUTE SUCH CONTENT AND THAT THE CONTENT COMPLIES WITH ALL LAWS AND IS TRUE AND AUTHENTIC AND IS NOT IN ANY EVENT PLACED ON THE WEBSITE TO DEFRAUD OTHER USERS OR CREATE A FALSE IMPRESSION IN THEIR MINDS THAT YOU HAVE A SOUND FINANCIAL STATUS OR ARE REASONABLY COMMITTED TO DELIVER THE REPAYMENTS ON TIME. YOU ALSO REPRESENT THAT YOU HAVE NOT EVER BEEN ACCUSED TO ANY FRAUD, MISREPRESENTATION OR DEFAULT IN REPAYMENT OF ANY CLAIMS OR MONIES TO ANY THIRD PARTY WHETHER A FINANCIAL INSTITUTION OR NOT. YOU ALSO REPRESENT THAT THERE ARE NO OUTSTANDING DISPUTES IN CONNECTION WITH YOUR MORAL TURPITUDE OR FINANCIAL STATUS. YOU HEREBY REPRESENT AND WARRANT TO ANTWORKS FINANCIAL BUDDY THAT YOU ARE LEGALLY COMPETENT TO EXECUTE, BE BOUND BY AND ADHERE TO TERMS AND CONDITIONS OF TERMS AND CONDITIONS OF ANTWORKS FINANCIAL BUDDY. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. YOU AGREE THAT ANTWORKS FINANCIAL BUDDY SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGES SUFFERED BY YOU IN CONNECTION WITH THIS SITE OR ANY CONTENT CONTAINED THEREIN OR ANY DAMAGE SUFFERED IN THE EVENT OF DEFAULT OR MISREPRESENTATION BY ANY OTHER USER OF THS WEBSITE.
Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL ANTWORKS FINANCIAL BUDDY, ITS SUBSIDIARIES, EMPLOYEES, OFFICERS, AFFILIATES, DIRECTORS, AGENTS, SUPPLIERS, SHAREHOLDERS, NON EXECUTIVE DIRECTORS OR ITS LICENSORS INVOLVED IN CREATING, PRODUCING, TRANSMITTING OR DISTRIBUTING PRODUCTS OR SERVICES ON THIS SITE, BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM EITHER MISREPRESENTATION, FRAUD, COERCION, BREACH OF TRUST, MISAPPROPRIATION, CHEATING OR FOR ANY OTHER SUCH REASON OF ITS END USERS OR OF its Service Providers or THIRD PARTIES INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS AND LOSS OF GOODWILL OR LOSS
In case it comes to your knowledge that any member of this website has committed default or fraud or misrepresents his financial status then you may inform Antworks Financial Buddy in writing and upon receipt of such information Antworks Financial Buddy shall call upon such third party to explain the allegations made in your Notice and upon receipt of an explanation from such third party Antworks Financial Buddy shall in its own discretion decide as to whether such a person should be prohibited from using the website.
Your use of this Site and any Term and Conditions stated in this policy is subject to laws of India.
Courts of Delhi will have exclusive jurisdiction of dealing with all disputes arising from use of this site.
The trademarks, logos and service marks (“Marks”) displayed on the Site are the property of Antworks Financial Buddy and other respective persons. End Users 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 Antworks Financial Buddy 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. End Users 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.
Changes to Terms and Conditions
Antworks Financial Buddy reserves 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.
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. From time to time Antworks Financial Buddy may offer special promotional offers which may or may not apply to your Antworks Financial Buddy account. To avail of such promotional offers, you agree to be bound by any additional terms and conditions for these special offers which are laid down by Antworks Financial Buddy. This T&C and the relationship between you and Antworks Financial Buddy will be governed by the laws as applicable in India. Any dispute(s) arising out of this T&C will be handled in the competent courts of Delhi, India. The failure of Antworks Financial Buddy to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Antworks Financial Buddy does not guarantee it will take action against all breaches of this T&C. Except as otherwise, expressly provided in this T&C, there shall be no third-party beneficiaries to this T&C. This T&C constitutes the entire agreement between you and Antworks Financial Buddy and governs your use of the Site, superseding any prior agreements between you and Antworks Financial Buddy with respect to the Site.
You can pay Antworks Financial Buddy using –payments services deployed by Antworks Financial Buddy from time to time. Antworks Financial Buddy has also deployed a system of electronic payment of fees, the details of which are available at www.antworksmoney.com All transactions are processed in INR
Antworks Financial Buddy holds the complete right to de-activate any lender/borrower on its own accord if the lender/borrower is suspected or found to be from competition engaging or trying to engage in any malicious activity.
We have also introduced a system where the borrowers and lenders have the opportunity to electronically sign the Lender Agreement. Details about how to sign the Lender Agreement are available at www.antworksmoney.com
Schedule of Charges
Below are the applicable charges on AntPay App with respect to the Wallet/PPI Services.
Wallet Activation Charges: NIL
Virtual Card Activation Charges: NIL
Wallet Loading Charges: Payment Gateway 1.85% | UPI Payments 0.50%
Transaction Charges from Wallet to Bank Account: 0.75%
Physical Card Charges: INR 249
Debit Card Transaction Charges: NIL
These charges may revise/change in the future without any prior intimation. For any update in the schedule of charges, please check this section under the Term and Condition