Terms & Conditions - Praveen Capital

Terms & Conditions

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy governing Praveen Capital Pvt Ltd’s (herein after referred as ‘Company’) relationship with you in relation to this website.

The Website Owner, including subsidiaries and affiliates (“Website” or “Website Owner” or “we” or “us” or “our”) provides the information contained on the website or any of the pages comprising the website (“website”) to visitors (“visitors”) (cumulatively referred to as “you” or “your” hereinafter) subject to the terms and conditions set out in these website terms and conditions, the privacy policy and any other relevant terms and conditions, policies and notices which may be applicable to a specific section or module of the website.

The term Company or ‘us’ or ‘we’ refers to the owner of the website having registered office at 1^st Floor, Embassy Plaza, F-3B and F -3C, Pumpwell, Kankanady Village, Mangalore – 575002, Karnataka, INDIA. Our Company Identification Number (CIN) U67120KA1996PTC072006 and place of registration Mangalore. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
You may not create a link to this website from another website or document without Company’s prior written consent.
Your use of this website and any dispute arising out of such use of the website is subject to the laws of India or other regulatory authority.

“We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of feeding wrong information like Account number, IFS Code, registered phone number, insufficient balance in the Bank account, exceeding the ‘limit extended by the Bank’ or Credit Card limit or any other information mentioned wrongly”.

Privacy Policy

‘Privacy Policy’ is a legal document that discloses some or all of the ways an entity gathers, uses, discloses and manages customer’s data. The exact contents of a privacy policy will depend upon the applicable law and may need to address the requirements of multiple countries or jurisdictions. While there is no universal guidance for the content of specific privacy policies, a number of organizations provide example forms.

Website privacy

This privacy policy sets out how Praveen Capital Pvt Ltd., [herein after referred as Company] uses and protects any information that you give to the Company when you use this website.

Company is committed to ensure that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website and then you can be assured that it will only be used in accordance with this privacy statement.

Company may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are comfortable with any changes. This policy is effective from 1^st November 2023.

What we collect

We may collect the following information:

name and other individual information.
contact information, including email address.
demographic information such as postcode, preferences and interests.
other information relevant to customer surveys and/or offers.

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

Internal record keeping.
We may use the information to improve our products and services.
We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyses web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyses data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over the other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.
if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at [email protected].

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to [email protected].

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

Contacting Us

If there are any questions regarding this p

‘Privacy Policy’ you may contact us using the information below:

Company Name: Praveen Capital Pvt Ltd

Address : 1^st Floor, Embassy Plaza, F-3B and F -3C, Pumpwell, Kankanady

Village, Mangalore – 575002, Karnataka, INDIA

Telephone No. : +919019926119

E-Mail ID : [email protected]

Disclaimer policy

The information contained in this website is for general information purposes only. The information is provided by Praveen Capital Pvt Ltd [herein after referred as Company] and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event we will liable for any loss or damage without limitation, indirect or consequential loss or damage or any loss or damage whatsoever arising from loss of data or profits arise out of, or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of the Company. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, Company takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Cancellation and Refund Policy

Praveen Capital Private Limited does not provide refund& cancellation as we are a Non-banking Finance Company, thus we require payment Gateway to receive EMI from our customers. This Refund Policy document is an electronic record in terms of the Information Technology Act, 2000 and rules there under in force, and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000 from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures.

Amount once paid through the payment gateway shall not be refunded other than in the following circumstances:

– Multiple times debiting of Customer’s Card/Bank Account due to technical error OR Customer’s account being debited with excess amount in a single transaction due to technical error. In such cases, excess amount excluding Payment Gateway charges would be refunded to the Customer.

– Due to technical error, payment being charged on the Customer’s Card/Bank Account but the transaction is unsuccessful.

– Cancellation of payment mandate will be considered only if the request is made within 72 hours of payment due date. However, the cancellation request will not be entertained if the payment has been communicated to the Bank/Society and they have initiated the process of effecting payment.

The Customer will have to make an application for refund along with the transaction number and original payment receipt if any generated at the time of making payments.3. The application in the prescribed format should be sent to [email protected].
4. The application will be processed manually and after verification, if the claim is found valid, the amount received in excess will be refunded by Company through electronic mode in favor of the borrower and confirmation sent to the mailing address given to us, within a period of 7 calendar days on receipt of such claim. It will take 3-7 days for the money to show in your bank account depending on your bank’s policy.
The company assumes no responsibility and shall incur no liability if it is unable to affect any Payment Instruction(s) on the Payment Date owing to any one or more of the following circumstances:a. If the Payment Instruction(s) issued by you is/are incomplete, inaccurate, and invalid and delayed. b. If the Payment Account has insufficient funds/limits to cover for the amount as mentioned in the Payment Instruction(s).
If the funds available in the Payment Account are under any encumbrance or charge.
If your Bank refuses or delays honoring the Payment Instruction(s).
Circumstances beyond the control of Company (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an vis-majeure).
In case the payment is not effected for any reason, you will be intimated about the failed payment by an e-mail.
User agrees that the Company, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate his/her account (or any part thereof)or use of the Services and remove and discard all or any part of his/her account, user profile, or his/her recipient profile, at any time. Company may also in its sole discretion and at any time discontinue providing access to the Services, or any part thereof, with or without notice. User agrees that any termination of his/her access to the Services or any account he/she may have or portion thereof may be effected without prior notice and also agrees that Company will not be liable to User or any third party for any such termination. Any suspected, fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Company may have at law or in equity. Upon termination for any reason, the user agrees to immediately stop using the Services.
The company may elect to resolve any dispute, controversy, or claim arising out of or relating to this Agreement or Service provided in connection with this Agreement by binding arbitration in accordance with the provisions thereof.

BO ( Business Ordinance) Clause

We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.