Chqbank is not just a website, we are a platform helping our user get the product and service they need. We operate under brand “Chqbank” and our website www.chqbank.com is managed, owned and operated by CB Fintech Pvt. Ltd. At Chqbank we are trying to simplify the user journey as such as we can, and provide digital assisted seamless journey to deliver product and services you applied for. There are certain details and information which you as a user must know and thereby we request you to go through all terms and conditions as mentioned on this page. By applying on our website, we understand that you have been through our privacy policy and terms of use, and you agree to points as mentioned on this pages.
Chqbank believes that every rupee saved, is every Earned. In process we help, assist, provide a platform for our users. All user on this platform are binded, considered accepted and agreed to our ToU. If any user who feels the below points are not in sync with requirement or doesn’t agree to our process, kindly do not use website. We will be happy to hear from you as why you decided so, and see if any possibility of convincing you. ToU is evolving in nature as it depends on development on our processes, agents accessibility and users journey. Kindly keep revisiting our ToU for changes, additions or deletions. The rights to amend the changes in ToU is discretion is ours.
Description of Services
Chqbank helps you apply for various financial products on our website. In process, we share several information about offerings from agents. The product categories includes home loan, Demat account, credit card, personal loan, vehicle loan, Fixed Deposit, Education loan and several other products will be added during the course of business. We have expand our business scope to other product segments outside of above mentioned products. We may through our platform use third party advertisers services to display several products which might of your interest basis the details available with us. Products will be displayed through third party tool and can be from any product segment basis your profile or search history or product preference on our website.
By applying and using Chqbank site, you agree to share your personal profile details which will assist us to offer you product and service you need. To assist you in the process, we will have options where
- agents will contact you to provide their product and services or
- we will display several offers from agents which you may apply directly through API assisted or white label assisted process or either or
- we will divert you to partner website to complete the application or
- you will be asked to download partner app and process application or
- either of the combination of mentioned service will be practised / followed to service your request.
To process application if need be, either representative from Chqbank or representative from agents end will connect with you. Your details might be shared with more than one agent to offer you the best offers and options. You authorised us and agents to connect with you through Call / SMS / Email / Whatsapp or any other mode of communication. This consent from you means we will contact you even if you are registered with DNC/NDNC/Do not call registry, and this consent allow us to contact you to serve you even if your registered with mentioned or similar registry.
License and Site Access
Chqbank allows you to access and apply for the product of your choice and avail our service. You can apply multiple product with us. Chqbank might share a login credential with you, to check and track your application history and status. The access to use does not grant rights to download the data or create a copy of information for personal benefit to any individual person or a company or a vendor or a agents or any other third party. You are not authorized to run a bot or manually create test entries to check the system functioning; or create a caching; creating hyperlinks which are not approved or authorised. Copying or downloading of content or images or themes are strictly prohibited. Most content on Chqbank which is created by our team, is the intellectual property and belongs to us; unauthorised usage will be considered as theft and/or criminal offence.
As a user or competition or programmer or any third party; unauthorised usage, transfer of files or upload of files in our systems which contains viruses, malware, algorithms, bots, data mining tools,robots, spiders, scrapers, files or program which is intended to damage, steal, copy, disrupt, limit or obstruct the functioning of Chqbank website, software, hardware, electronic equipment, server or asset / Infrastructure of Chqbank &/or CB Fintech Pvt. Ltd. other property or inventory. If found doing any of the above activity or bypassing the restrictions on website, we will terminate the access provided to you and may claim damage compensation / you will be liable to pay for losses to CB Fintech Pvt. Ltd. The amount of loss in terms of rupees will be discretion of CB Fintech Pvt. Ltd.
Eligibility
To avail our services, you should be of legal age to apply for respective product or services in India. Each product / service has pre-defined underwriting parameters and are subjective to respective agents product / service guidelines. Basis your profile and agents qualification logic, Chqbank will try find you best offers. Chqbank doesn’t influence any agents decisioning on providing services to user. If no eligible offer found for you, the journey will be restricted on the site.
Your Account
The account created in our system is basis your profile, and the offers extended will be for you. You as an individual / entity / company are not barred or restricted to use / apply for products or services available on Chqbank platform by any jurisdiction or laws of India. You will make legitimate purchase and use of the product for self or authorised third person where you are legally authorised to do so. We expect you to shre share correct details about your profile with us, as it helps to get the correct offers and details on your behalf from agents.
You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Chqbank has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Chqbank 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). 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. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify Chqbank immediately of any unauthorized use of your account or any other breach of security. We reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the ToU or Privacy Policy. Additional terms and conditions will apply to your purchase of services that you select. Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any supplier with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the supplier's rules and restrictions regarding use of fares, products, or services. You agree that any violation of any such supplier's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable service(s), in your forfeiting any monies paid for such reservation(s), and/or in our debiting your account for any costs we incur as a result of such violation.
You while applying for product/services on our website authorize us, our affiliates & our associate agents to give you a call/sms/e-mail for the related product and services, imparting product knowledge, offer promotional offers & offers offered by the associated third parties even if you have registered yourself under DND or DNC or NCPR services till 180 days of your registration with us. By applying on our website, you allow us and agents to connect with you on weekends as well; with respect to process your details / application / request. We can continue to share promotional communication even post the mentioned duration unless voluntarily opted-out. Please send an email to support@chqbank.com to opt-out from our services.
By providing your phone number on this form, you give us permission to call you in response to this request, even if this/your phone number is in the State and/or National Do Not Call Registry. Your privacy is very important to us. We never sell, trade or share your personal information with any unknown third party or organization, and only one of our associates or agents network will contact you in response to your request. Please check with respective provider before or at the time of availing such offer/scheme. Logos, brands, and other trademarks featured or referred to within this site are the property of their respective trademark holders & Chqbank doesn't claim to own them. Chqbank does not charge anything from the consumer.
Agent is an individual entity and is not an employee / contractor / represent Chqbank in any capacity. Do evaluate offer and details shared with you, before proceeding with application. Chqbank is not responsible for any loss in terms of documents / money / time / efforts / indemnity that is suffered because of agents registered on our platform
Submitted Content
Chqbank works to get the industry insights, all product and services details available in market, latest offers, current rates and charges, document details, guidelines, features of products under one common place. In process, Chqbank does not claim ownership of any materials you make available through the Site. At CB Fintech's sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant Chqbank a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content). You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section 4. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libelous, 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 Site.
Disclaimer of Liability and Warranty
The Content, Products, and Services Published on this site may include inaccuracies or errors, Including Pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly reserves the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. Chqbank makes no representation about the suitability of the information, Software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided "AS IS" without warranty of any kind. Chqbank disclaims all warranties and conditions that this site, its services or any email sent from CB Fintech, its affiliates, and/or their respective suppliers are free of viruses or other harmful components. Chqbank hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The suppliers providing services on this site are independent affiliates are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such suppliers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. Chqbank and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall Chqbank and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Chqbank and/or its affiliates their respective suppliers have been advised of the possibility of
Disclaimer of Online Availability, Impressions & Click-Through's
In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.chqbank.com, its web pages, and any material, information, links, or content presented on the web pages at www.chqbank.com. Chqbank.com, its web pages, and any material, information, links, or content presented on the web pages at www.chqbank.com, may be unavailable for online access at anytime. Advertising sponsors and advertising must be approved by Chqbank before the posting of any advertising material, information, links, content, banners, and graphics on www.chqbank.com. Any advertising should be related to interactive digital television and related subject areas. Chqbank reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.
License Disclaimer
Nothing on any CB Fintech's website shall be construed as conferring any license under any of CB Fintech's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.
Local Laws
Chqbank controls and operates this Website from its headquarters in Mumbai, India and makes no representation that the materials on the website are appropriate or available for use in other locations. If you use this Website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. Disputes if any shall be subject to the exclusive jurisdiction of Courts at Mumbai.
Limitation of Liability
You expressly understand and agree that Chqbank and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequntial or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if jetsetter has been advised of the possibility of such damages), resulting from use of the site, content or any related services. If, despite the limitation above, Chqbank or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of Chqbank and/or Its Affiliates will in no event exceed, in the aggregate, the greater of (a) the service fees you paid to Chqbank in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100) The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of CB Fintech, Its Affiliates, and/or their respective suppliers.
Indemnity
You agree to indemnify and hold Chqbank (and its officers, directors, agents, subsidiaries, joint ventures, 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 ToU, your violation of any law or the rights of a third party, or your use of the Site.
Electronic Communication
When you use the Site or send emails to CB Fintech, you are communicating with Chqbank electronically. You consent to receive communications from Chqbank electronically. Chqbank may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. 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 users with the ability to send email messages to other users and non-users and to post messages on the Site. Chqbank is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Chqbank may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree not to use any functionality provided by the Site to post content or initiate communications that contain:
- 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;
- Advertisements or solicitations of any kind;
- Impersonate others or provide any kind of false information;
- Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.;
- Messages by non-spokesperson employees of Chqbank purporting to speak on behalf of Chqbank or containing confidential information or expressing opinions Jetsetter;
- Messages that offer unauthorized downloads of any copyrighted or private information;
- Multiple messages placed within individual folders by the same user restating the same point;
- Chain letters of any kind;
- 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
- Using Chqbank to send messages to people who don't know you or who are unlikely to recognize you as a known contact;
- Using Chqbank to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission;
- Sending messages to distribution lists, newsgroup aliases, or group aliases.
Links
The Site or third parties may provide links to other World Wide Web sites or resources. Because Chqbank has no control over such sites and resources, you acknowledge and agree that Chqbank 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 Chqbank 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.
Modification and Notification of Changes
Chqbank reserves the right to make changes to the Site, related policies and agreements, this ToU and the Privacy Policy at any time. If Chqbank makes a material modification to this ToU, it may notify you by: (i) displaying a prominent announcement above the text of this ToU or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of a modification to the ToU or the Privacy Policy has been posted for 30 days, the notice will be removed. If you have not used the Site for more than 30 days, you should check the ToU and/or Privacy Policy prior to any further use of the Site. Should you wish to terminate your account due to a modification to the TOS or the Privacy Policy, you may do so by sending an email with the subject line "Termination" to the following email address: support@chqbank.com. If you choose to continue using the Site, you agree that by doing so you will be deemed to accept the new ToU or Privacy Policy, as relevant.
Trademarks
The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Chqbank and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Jetsetter or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. 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.
Survival of Terms After Agreement Ends
Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.
General
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor 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. Headings are for reference purposes only and do not limit the scope or extent of such section. This ToU and the relationship between you and Chqbank will be governed by the laws of the India without regard to its conflict of law provisions. You and Chqbank agree to submit to the personal jurisdiction of the courts located in Mumbai jurisdiction with respect to any legal proceedings that may arise in connection with this ToU. The failure of Chqbank 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. Chqbank does not guarantee it will take action against all breaches of this ToU. Except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between you and Chqbank and governs your use of the Site, superseding any prior agreements between you and Chqbank with respect to the Site.