1800121001122
9625382676
1800121001122
9625382676
Aapke Vikas ke Humsafar
Our main goal is to become the first choice for semi-urban and rural households looking for financial assistance for business loans, home renovations, or home extensions.
SARVJAN Fintech India Pvt Ltd herein refers to “Sarvjan” or “Company” is a Company
registered under the Companies Act, 2013 and having its Registered Office at 83, 1st
Floor, Poorvi Marg, Vasant Vihar, New Delhi-110057, hereinafter referred to as
“SARVJAN” and/or “the Company” (which include its successors and assigns). Sarvjan
is governed by the National Housing Bank Act, 1987
“User” refers to customer of SARVJAN who is authorized to use online services
available through SARVJAN’s Website.
“Visitor” refers to a person who visits the Website of SARVJAN.
“Services” refers to all the services provided by SARVJAN to the User including but
not limited to online services available through SARVJAN’s website.
"Personal Profile” refers to the User’s personal information such as Name, Address,
Phone number, E-mail ID, Mobile no etc.
"User Id” means the identification code allotted to and specific to the User, which
is necessary to access the online services.
"Sign On Password” is a unique security code generated by SARVJAN to each user
initially, which has to be changed by user on First Login. This Sign on Password so
changed as above, along with User Id should be used to log in to online Services.
“Transaction Password” is a unique security code generated by the Company to each
user, which has to be changed by user on First Login and used by the user while
executing financial transactions like Funds transfer etc., and Semi-financial
transactions like issuing payment instructions etc.
"Technical Problems" include any problems and difficulties arising due to power and
electricity failure, computer errors, virus related problems, programming errors,
software or hardware errors, computer breakdown, non-availability of Internet
connection, communication problems, shutting down of the SARVJAN’s server,
non-availability of links, corruption of the system software, problems in other
Utility Companies extending support to Company, breakdown of infrastructure and
telecommunication network, problems in any other connected telecommunication network
and any other technology related problems.
"Website" refers to the website owned, established and maintained by Company located
at the URL www.sarvjan.com
In this document, all references to the user being referred in masculine gender
shall be deemed to include the feminine gender.
These Terms form the contract between the User and Company for availing online
services. By clicking the Website, the customer and/or the visitor acknowledges and
accepts these terms and Conditions including but not limited to the Disclaimer
Clause, Privacy Policy, Most Important Terms and Conditions (MITC) and other company
rules, and amendments made thereof. The agreement shall remain effective unless
terminated by SARVJAN or the account is closed, whichever is earlier.
SARVJAN shall be entitled at its sole discretion to update or amend the contents of
the website at any time at its sole discretion.
SARVJAN may advise the user from time to time the changes in the software/options in
the software. User represents and warrants that he/she/it/they has/have a complete
working knowledge of computers/electronics machinery, e-mail and the Internet, which
will enable him/her/ them to avail the SERVICES.
For the purpose of availing Company’s online services, the user would need to have
legal and valid access to the Internet.
The user cannot claim the SERVICES as a matter of right. SARVJAN reserves the right
to refuse/withdraw the facility provided to the user without assigning any reasons.
SARVJAN at its sole discretion may also make additions/deletions to the Services.
SARVJAN has the right to determine and vary from time to time without prior
intimation, the scope and type of services to be made available including,
expanding, modifying or reducing the services at any time and prescribing and
changing the normal service hours during which the services are available and any
daily cut-off time for any type of services. Any instruction of the user received by
the Company after any applicable daily cut-off time shall be deemed to have been
received on the next business day.
The Company may advise from time to time the software such as Browsers but there
will be no obligation on the Company to support all the versions of this software.
The users shall be solely responsible for upgrading software, hardware and the
operating system at their own cost and from time to time so as to be compatible to
avail the SERVICES. The Company shall be at liberty to change, vary or upgrade its
software, hardware, operating systems, etc., from time to time and shall be under no
obligation to support the software, hardware, operating systems used by the users.
The SERVICES are offered FREE initially. The COMPANY reserves the right to prescribe
Fee/Charges for the SERVICES after intimating to the user through the Home page
available on its website or any other mode. The user will have the option to
continue availing the SERVICES paying the prescribed fee/Charges, if applicable or
to discontinue the same
The user shall be liable to pay all charges, fees, interest, costs wherever
applicable, which the Company in its absolute discretion may levy with respect to
any of the SERVICES and the same may be recovered by the Company by a debit to the
user’s account/s
The user can contact our customer representative cell through e-mail/telephone calls
for clarifying any of their queries. By accepting these Terms & Conditions, it will
be considered that user has given his consent to recording of any tele-conversation
between Company & customer representative cell.
The Company may keep its records of the transaction in any form. In the event of any
dispute, the Company’s records shall be binding on the User as a conclusive evidence
of the transactions carried out by him through online services.
The user shall take all necessary precautions to prevent unauthorized and illegal
use of Internet and services. The Company shall take all commercially reasonable
care to ensure the security of and to prevent unauthorised access to the Internet
services commercially reasonable technology available in India.
The user would be allotted an Internet User Id and a set of secret passwords namely
Sign-on Password and/or Transaction Password by Company initially. It is mandatory
to change the passwords assigned by the Company on accessing the company website at
first login. The Sign-on Password and Transaction Password will be generated and
sent to the User through a PIN Mailer. It is the responsibility of the user to
change the passwords assigned by the COMPANY for the first time and thereafter shall
change the passwords as frequently as possible or at the frequency prescribed by the
Company as a safety measure. The changed Passwords should be at least of eight
characters.
The Login Password and Transaction Password are required by the user to access and
utilize the SERVICES. The same are strictly confidential and not transferable. The
user under any circumstances should not disclose these passwords to any third party.
The user shall be responsible for all type Transactions executed using the above
Passwords. The COMPANY shall have no obligation to verify the authenticity of any
transaction received through the SERVICES other than the system verification of user
ID and Passwords. The user shall be wholly responsible for the secrecy of the
Passwords and the COMPANY bears no liability for any use of the facility by an
unauthorized person.
The Company will send User Id & Passwords through separate Mailers. The User will be
responsible for all transactions done through the Internet and such transactions
will be considered as Transactions originated by the User and will be binding on the
User.
The User agrees and acknowledges that Company shall in no way be held responsible or
liable if the user incurs any loss as a result of information being disclosed by
Company regarding his Account(s) or carrying the instruction of the user pursuant to
the access of the Internet services and the user shall fully indemnify and hold
Company harmless and free from any liabilities in respect of the same.
SARVJAN maintains the website for general information and also to get access and to
provide the services to its customers. The contents of this website, either wholly
or partially, cannot be printed, distributed, transmitted, modified, displayed or
otherwise reproduced without the prior written permission of SARVJAN. However, you
may download the material displayed on the website for non- commercial use only.
User can access all accounts related to his Customer ID. When user opens a new
account under the same Customer Id, the new account will be available for access
through Internet on next working day. Closed account/s will move to closed accounts
category on next working day of closure. The Company at its discretion can levy
penal charges accordingly for every breach of terms and conditions. If the account
is overdrawn inadvertently or due to technical problems, the user will be obliged to
reimburse the overdrawn amount and pay the interest and other charges on the
overdrawn amount as decided by the COMPANY.
The report generated by the user through the SERVICES is a record for having
executed the transactions and shall not be construed as Company’s record of the
relative transactions. The Company’s own records of transactions maintained by the
COMPANY shall be accepted as conclusive and binding for all purposes.
The information available for some of the queries is based on off-line data uploaded
from the others Database. So such data available on the site may not be the data as
on point-of-access.
COMPANY under no circumstances shall be held liable to the user if the SERVICES are
not available in the desired manner for reasons including but not limited to
technical problems, natural calamities, flood, browser incompatibility, failure in
Telecommunication network or any other reason.
User can access all accounts related to his Customer ID. When user opens a new
account under the same Customer Id, the new account will be available for access
through Internet on next working day. Closed account will move to closed accounts
category on next working day of closure. The Company at its discretion can levy
penal charges accordingly for every breach of terms and conditions.
The User shall be responsible for keying in/select correct account number for the
Funds Transfer Request. Company shall not be held liable for any erroneous
transactions incurred due to or related to user entering or selecting wrong account
number.
On-line payment / Funds Transfer will be effected instantaneously once the User
commits the online transaction through the Internet. User shall check the status of
the fund transfer/payment request immediately. The on-line payments made after
business hours of the remitter branch will be effected on next working day with
proper value date.
The Company reserves the right to charge a fee to the user for use of Funds Transfer
facility through Internet.
User shall be solely responsible for the accuracy of the particulars given in the
payment details and shall be liable to compensate the Company for any loss arising
on account of any errors committed in entering the payment details.
User hereby authorizes the Company to debit to his account any liability incurred by
him to the Company for execution by the Company of any payment order issued by him.
User agrees that he shall not be entitled to make any claim against the Company.
User agrees that in the event of any delay in the completion of the Funds Transfer
or any loss on account of error in the execution of the Funds Transfer pursuant to a
payment order, the Company's liability shall be limited to the extent of payment of
interest at the Company Rate for any period of delay in the case of delayed payment
and refund of the amount together with interest at the Company Rate up to the date
of refund, in the event of loss on account of error, negligence or fraud on the part
of any employee of the Company.
User hereby authorizes the Company for on-line debiting of the account to remit the
funds to the beneficiary specified by him as per details furnished. On-line debit of
the user will be affected instantaneously once the user commits the transaction in
this menu.
User shall be bound by the payment order executed by the Company in good faith and
in compliance with the security procedure, provided that the user shall not be bound
by any payment order executed by the Company if he proves that the payment order was
caused by negligence.
The payment order will not be executed if the funds available in the account of the
user are not adequate or properly applicable to comply with the payment order along
with the charges if any.
If the payment order is to be executed through RBI’s NEFT/ECS/RTGS system, and if
for any reason, the services from RBI is not available, then the payment instruction
will not be executed and the COMPANY shall not be held responsible for the loss in
such case. If Remittance is received after the cut-off time fixed by RBI, then such
transactions will be executed on the next working day.
The payment order will not be executed if the COMPANY has a reason to believe that
the payment order is issued to carry out an unlawful transaction
Company reserves the right to charge and recover from the user service charge for
providing the services. Charges shall be collected from the user in such manner and
at such intervals as the Company may decide from time to time.
The user is responsible for the correctness of information supplied to the COMPANY
through the use of Services or through any other means such as electronic mail or
written communication or Tele conversation with customer representative cell. The
COMPANY shall accept no liability for the consequences arising out of erroneous
information supplied by the user. If the user suspects that there is an error in the
information supplied to the COMPANY by him, he shall advise the COMPANY at the
earliest. The Company will endeavor to correct the error wherever possible on a
“best efforts” basis.
The user shall be liable for losses accrued due to unauthorized transactions in the
account(s) if he/she has breached the terms and conditions or contributed or caused
the loss by negligent actions such as the following but not limited to:
The COMPANY shall not be liable for any unauthorized transactions occurred through
the Internet and the user hereby fully indemnifies and holds Company harmless
against any action, suit, proceeding, inquiry, investigation initiated against it or
any loss, cost or damage incurred by it as a result thereof.
The COMPANY shall not be liable to the user for any damages whatsoever whether such
damages are direct, indirect, incidental, consequential and irrespective of whether
any claim is based on loss of revenue, investment, production, goodwill, profit,
interruption of business or any other loss of any character or nature whatsoever and
whether sustained by the account holder(s) or any other person, if Services access
is not available in the desired manner for reasons including but not limited to
technical problems, natural calamity, floods, fire and other natural disasters,
legal restraints, faults in the telecommunication network or Internet or network
failure, software or hardware error or any other reason(s) beyond the control of the
COMPANY.
The Company shall endeavour to take all possible steps to maintain secrecy and
confidentiality of its users’ account(s) but shall not be liable to the account
holder(s) for any damages whatsoever caused on account of breach of
secrecy/confidentiality due to hacking or technological lapses in the system beyond
the control of the Company.
The user shall indemnify and hold the COMPANY harmless against any loss suffered by
the COMPANY, if any claim or action brought by a third party which is in any way the
result of the improper use of Internet Services by the user.
The user agrees that the COMPANY and/or its agents/associates/contractors may hold
and process his Personal Information on computer or otherwise in connection with
SERVICES as well as for statistical analysis and credit scoring. The user also
agrees that the COMPANY may disclose, in strict confidence, to other institutions,
such Personal Information as may be reasonably necessary for reasons inclusive of,
but not limited to, the following:
The user acknowledges that the software underlying the Internet Services as well as
other related software, which are required for accessing Services, is the legal
property of the respective Vendor(s). The permission given by the COMPANY to access
Services shall not convey any proprietary or ownership rights in the above software.
The user shall not attempt to modify, translate, disassemble, recompile or reverse
engineer the software underlying Services or create any derivative product based on
the software.
The COMPANY has the absolute discretion to amend or supplement any of the Terms and
conditions at any time and will endeavor to give prior notice of reasonable time for
such changes wherever feasible and/or publish the same in the web page of the
Company. Any such notice published in the web page shall be construed as reasonable
notice to the User and binding on them. The COMPANY may introduce new services from
time to time. By using these new services, the User agrees to be bound by the terms
and conditions stipulated by the Company from time to time.
The grant of services to a user is not transferable under any circumstance and shall
be used strictly by the user.
Notices under these terms and conditions may be given by the Company and the user
electronically to the mailbox of both party and such notices will be regarded as
being in writing or by delivering the written notices by hand or by sending them by
post to the user address as per our records and in case of Company to the address
mentioned below:
These terms and conditions and/or operations in the accounts of the user maintained
by the Company and/or the use of services provided through website shall be governed
by the Laws of India and amendments made thereof. Company accepts no liability
whatsoever, direct or indirect, for non- compliance with the laws of any country
other than India. The mere fact that a user from a country other than India can
access company website shall not be interpreted to imply that the laws of the said
country govern these terms and conditions and/or the operations in the accounts of
the user through Internet and/or the use of services.
By accepting these terms & conditions, the User expressly consents and submits to
the exclusive jurisdiction of the Courts in Delhi only, giving such courts the
exclusive power and authority to hear and determine any dispute between the parties
of this agreement.
The user agrees to abide by prevailing laws in respect of Internet Services
applicable in India. It shall be the responsibility of the user to comply with any
regulations prevailing in the country from where he is accessing the Internet.
The clause headings in this document are only for convenience and do not effect the
meaning of the relative clause. The user shall not assign this agreement to anybody
else. The Company may subcontract and employ agents to carry out any of its
obligations under this contract.
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