Welcome to the website owned and operated by SHAKMAN ESERVICES PRIVATE LIMITED (Gullakh), a company incorporated under the provisions of the Companies Act, 1956 and having its registered office at F-56, LGF, Greater Kailash Enclave, Part-I, New Delhi-110048, India.
This document/agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011.
- Proprietary rights
- Usage of the Website
- Our partners
- Disclaimer of warranty
- Limitation of liability
- Additional terms
- Mobile Features
- Location of Services and Territorial Restrictions
- Savings Estimates
- Contacting Us
You acknowledge and agree that Gullakh owns all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights are registered or not). You further acknowledge that the Services may contain information which is designated confidential by Gullakh and that you shall not disclose such information without Gullakh's prior written consent.
Gullakh grants you a limited license to access and make personal use of the website and the Service. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of Gullakh's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.
The Website is intended for personal, non-commercial use. Only register to become a member of the Website if you are above the age of 18 and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).
Registering for an account with us by providing the information requested in our registration process will give you access to your free credit score, free credit report, credit monitoring, account monitoring, analysis of related information and offers for products and services from our marketing partners, and any additional features we may develop for registered accountholders. Registering for an account is optional, but if you elect not to register for an account, you will not be able to access certain features of the Services.
You also agree to provide true, accurate, current and complete information about yourself as prompted by the website. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Gullakh has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Gullakh has the right to suspend or terminate your account and refuse any and all current or future use of the website (or any portion thereof) or service/products in connection thereto.
By making use of the website, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that Gullakh may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. You specifically understand and agree that by using the website you authorise Gullakh and its affiliates and partners to contact you in for any follow up calls in relation to the Services provided through the website. You expressly waive the Do Not Call registrations on your phone/mobile numbers for contacting you for this purpose. You also agree that Gullakh reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Gullakh through emails or sms.
The usage of the website may also require you to provide consent for keying in your Sensitive Information (SI) (including but not limited to user ids and passwords), as may be necessary to process your application through this website. Sensitive information keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you. Gullakh shall adhere to best industry practices including information security, data protection and privacy law while processing such applications and the sensitive information interface where key in of SI is required shall not be stored. However, Gullakh shall not be liable to you against any liability or claims which may arise out of such transactions.
Consents You Grant by Registering and Using the Services
When you register for an account with us, you are providing to us the following specific consents:
I understand that I am providing written consent letter in accordance with the applicable law for Gullakh to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Gullakh account.
I further understand that I am authorizing Gullakh to retain a copy of all such information received, including the information I am submitting through this registration form or that I provide to Gullakh from time to time, either directly or indirectly (collectively, the "Member Profile"), and to use that Member Profile to match me with product and services offers from Gullakh’s marketing partners.
You may only use the Website to search for and to apply for loans, mutual funds,credit cards or other financial products as may be displayed on the website from time to time and you shall not use the Website to make any fraudulent applications. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.
You are prohibited from posting or transmitting to or through this website: (i) any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this website.
Display of loan, mutual funds, credit card or other financial products, offered by third parties, on the website does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of Gullakh against such third parties or their products. You agree that Gullakh is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and Gullakh will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
The Website and all content and services provided on the Website are provided on an "as is" and "as available" basis. Gullakh expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Gullakh makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any services offered through the website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the website will meet your expectations.
Gullakh (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website or your downloading of any content from the Website.
The website may provide links to other third party websites. However since Gullakh has no control over such third party websites, you acknowledge and agree that Gullakh is not responsible for the availability of such third party websites, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third party websites. You further acknowledge and agree that Gullakh 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 third party websites.
You agree to indemnify and hold Gullakh (and its officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the website.
You may not assign or otherwise transfer your rights or obligations under these Terms. Gullakh may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. We may modify these Terms, at any time, by posting notice on the Website at least ten (10) days before any modification becomes effective. Usage of the Website following the posting of notice of any modification will be subject the Terms in effect at the time of your usage. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Website in any way, your only recourse is to immediately terminate use of the Website. Other terms and conditions may apply to loans, mutual funds,, credit cards or other financial products that you applied for on the Website. You will observe these other terms and conditions. If any of these Terms is founded to unenforceable or invalid by a court, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will continue to remain valid and enforceable. These Terms, together with those agreements made a part of these Terms by reference, make up the entire agreement between Gullakh and you relating to your use of the Website, and replace any prior understandings or agreements (whether oral or written) regarding your use of the Website. The laws of the India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of them. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in Delhi , India. In any such action or any action we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.
Please feel free to share your feedback with us. We will assume no responsibility for reviewing unsolicited ideas and will not incur any liability as a result of any similarities between those ideas and materials that may appear in future Gullakh programs. Please do not reveal trade secrets or other confidential information in your messages to Gullakh. Any and all rights to materials submitted to us become the exclusive property of Gullakh.
Updates to Downloadable Items
These terms, as may be amended from time to time, are effective until your account, if applicable, is deactivated by either you or Gullakh and you discontinue your use of the Services.
Any section of the terms that by its nature is intended to survive termination of this Agreement or your use or access to the Services or the Content shall survive such termination.
You are not permitted to access or use the Services in any jurisdiction or country where such access or use would be contrary to the law or regulation of that jurisdiction or which would subject us to the laws of, or any registration requirement with, such jurisdiction. We control and operate the Services from India and we make no representations or warranties that the information, products or services provided through the Services, or the Content, are appropriate for access or use in other jurisdictions.
We reserve the right to limit the availability of the Services or the provision of any Content to any person, geographic area, or jurisdiction, at any time and in our sole discretion.
We may use information from your Member Profile and data we have on available offers for financial products or services to estimate how you might save money through one of the financial products or services available through our Services. Any estimate we provide you of possible savings and other information is for illustration purposes only. Our estimates are based on certain assumptions and use only the data we have, and are neither endorsed by, nor commissioned by, any of our marketing partners. We do not warrant or guarantee the accuracy, adequacy, timeliness, reliability, completeness or usefulness of any estimates we provide, and we disclaim all liability for any errors or omissions in any such estimates.
If you have questions regarding the terms or the practices of Gullakh, please contact us by e-mail at , email@example.com or by regular mail at SHAKMAN ESERVICES PVT. LTD., F-56, LGF, Greater Kailash Enclave, Part-I, New Delhi-110048 Attention: Legal Department.