Diversesphere Solutions LLP , a company incorporated under the Limited Liability Partnership Act, 2008 a (hereinafter referred to as Scholarcred) operates the Website https://scholarcred.com/ to provide consumers choice and an easy way to apply for educational loans from multiple loan providers (Banks and NBFCs, hereinafter referred to as Partners). ScholarCred is not a bank nor a NBFC. ScholarCred is registered as a marketplace platform.

1. General

   By visiting our website and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in these terms (hereafter referred to as ‘User Agreement’), along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy section below for more information).

   There is no intention or purpose of violating any intellectual property or ancillary rights. All information provided on the Website is subject to its discretion and is likely to change without any notice. Our participating loan providers supply some of the information available on the Website and therefore there may be inaccuracies in the Website Information over which Scholarcred has limited control.

   A person includes a corporate or unincorporated body (whether or not having separate legal personality). Any phrase introduced by the words including, includes, in particular or for example or similar shall be construed as illustrative and shall not limit the generality of the related general words. Words in the singular include the plural and, in the plural, include the singular. Unless the context otherwise requires, a reference to one gender shall include a reference to the other genders. Clause headings shall not affect the interpretation of this Agreement.

   Scholarcred does not warrant or guarantee the timeliness, accuracy or completeness of the website/mobile application Information; or quality of the results obtained from the use of the website/mobile application.

   To the maximum extent permitted by law, ScholarCred has no liability in relation to or arising out of the website Information and website recommendations. You are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a product or its terms you should seek further advice from ScholarCred or the relevant participating provider before choosing your product. It is a mutual understanding between Scholarcred and the customers that their association with the portal will be at the customer's sole discretion and risk.

   ScholarCred may pass on your personal information to the relevant participating providers if you apply to purchase/apply for a product through the website/mobile application, however, Scholarcred does not guarantee when or if you will actually acquire the product that you have chosen. Scholarcred does not accept any liability arising out of circumstances where there is delay in you acquiring the product you have chosen.

   Please note that Scholarcred is only assisting in choosing the Loan Partner and other necessary service providers. The acceptance of the loan request, service request, underwriting and final approval of the policy is subject to the underwriting norms and discretion of the loan provider whom you have chosen, on which Scholarcred has no control.

   We reserve the right to change this User Agreement from time to time without notice. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

2. Responsible Use and Conduct

   By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by (a) the terms of this User Agreement, and (b) applicable laws, regulations and generally accepted online practices or guidelines.

   Wherein, you understand that:

   1. In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date.
   2. You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.
   3. Accessing (or attempting to access) any of our Resources by any means other than through the means we provide, is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means.
   4. Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.
   5. Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.
   6. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.
   7. You agree that you will not upload, post, share, or otherwise distribute any content that:
      1. Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;
      2. Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;
      3. Contains any type of unauthorized or unsolicited advertising;
      4. Impersonates any person or entity, including any https://www.scholarcred.com/ employees or representatives.
      5. We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.
      6. We do not assume any liability for any content posted by you or any other 3rd party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any 3rd party copyrights or trademarks, becomes the property of Scholarcred., and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources. All information provided as part of our registration process is covered by our privacy policy.
   8. You agree to indemnify and hold harmless ScholarCred and their directors, officers, Partners, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this User Agreement. In such an event, you shall provide us with such cooperation as is reasonably requested by us.

3. Responsible Use and Conduct

   Your privacy is very important to us, which is why we’ve created a separate Privacy Policy in order to explain in detail how we collect, manage, process, secure, and store your private information. Our privacy policy is included under the scope of this User Agreement.

4. Limitation of Warranties

   By using our website, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:

   1. The use of our Resources will meet your needs or requirements.
   2. The use of our Resources will be uninterrupted, timely, secure or free from errors.
   3. The information obtained by using our Resources will be accurate or reliable, and
   4. Any defects in the operation or functionality of any Resources we provide will be repaired or corrected.

      Furthermore, you understand and agree that:

   5. Any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content.
   6. No information or advice, whether expressed, implied, oral or written, obtained by you from Scholarcred or through any Resources we provide shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this User Agreement.

5. Limitation of Liability

   In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. Scholarcred will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using our Resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.

6. Copyrights/Trademarks

   All content and materials available on https://www.Scholarcred.co.in/, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of ScholarCred, and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by Scholarcred.

7. Termination of Use

   You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

8. Indemnity

   You agree to indemnify and hold Scholarcred (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 User Agreement, your violation of any law or the rights of a third party, or your use of the Site.

9. Cancellation & Refund/Chargeback Terms and Conditions

   ScholarCred is a free platform for students that intends to provide clear and unbiased information about education loans and services. Once a loan process is initiated with a Loan Partner (Banks or NBFCs), the underwriting process, the charges associated with the under-writing process etc are between the customer and the Loan Partner / Underwriting agency. Please note that all charges are at the sole discretion of the Loan partner (Partner Bank / NBFC). We encourage all our customers to read the Loan document carefully.

   All terms and payments with respect to Cancellations or refunds shall be based on the cancellation & refund / chargeback terms of the Loan Partner / Underwriting Agency. Our Company shall not be liable to you, in any form or manner whatsoever, for any claims, disputes, proceedings which may arise in connection with Cancellation & Refund / Chargebacks initiated by you.

10. Governing Law

    This website is controlled by Diversesphere Solutions LLP, from our office located in Kochi. It can be accessed by most countries around the world. As each country has laws that may differ from those of Kerala, India by accessing our website, you agree that the statutes and laws of Kerala, India without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the selection of any products or services through this site.

    Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located in Kochi,Ernakulam. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

11. Guarantee

    UNLESS OTHERWISE EXPRESSED, Diversesphere Solutions LLP, EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

    Any third-party offer(s)/service(s)/product(s) (“offer”) shall be subject to the terms and conditions of such third parties which shall be applicable to the user. ScholarCred does not endorse, make no representation and shall have no liability or obligation whatsoever in relation to such third-party offers. All such third-party offers shall be availed by the user at their own risk and responsibility. Scholarcred shall not be liable for any payment obligation in relation to such third party offer, which shall be the user's responsibility.

    ScholarCred is only a marketplace or aggregator for the loan providers and can assist with any applications only to the extent of liasioning with the loan issuing company / bank/ NBFC/ Partner. Any loan shall be processed by the company subject to the loan issuing company’s terms and conditions.

    Saturday / Sunday & any public holidays based on India, Kerala will not be considered as a working day.

    Scholarcred reserves the sole right to modify, amend, change, refuse or revoke their respective services, any offers including third party offer herein at any time without assigning any reason and without any liability and notice.

    Any disputes arising pursuant to these terms and conditions are subject to the exclusive jurisdiction of courts in Kochi,Ernakulam.

12. NDNC

    You are authorizing Scholarcred to override the DND settings to reach out to you over calls, SMS, emails and any other mode of communication. This authorization will override your registry under NDNC.

13. Contact Information

    If you have any questions or comments about these our Terms of Service as outlined above, you can contact us at:

    support@scholarcred.com

    ScholarCred, M/s Diversesphere Solutions LLP
    Collective Co-works Edachira Kakkanad, Kochi 682030

14. Copyrights/Trademarks

    All content and materials available on https://www.Scholarcred.co.in/, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of ScholarCred, and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by Scholarcred.