Terms of Service

1. Introduction

Welcome to Capex Credit Circle Private Limited ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website at www.capexcreditcircle.in, our mobile applications, and any related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a resident of India
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using financial services under applicable law
• For business accounts: be authorized to act on behalf of the business entity

3. Account Registration

To access certain features of our Services, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breach

We reserve the right to suspend or terminate accounts that violate these Terms or contain false or misleading information.

4. Our Services

Capex Credit Circle provides financial technology services including but not limited to:

• QuickCap SLI: Short-term liquidity injection facilities
• PostPay DLA: Deferred lien agreement financing
• Assisted Capital: Debt and equity funding solutions
• Credit assessment and business evaluation services
• Financial consulting and advisory services

All financial products are subject to credit approval, documentation requirements, and applicable terms and conditions specific to each product.

5. Financial Terms & Conditions

5.1 Application Process

Submission of an application does not guarantee approval. All applications are subject to our credit evaluation process, verification of information, and compliance checks as required by applicable regulations.

5.2 Interest Rates & Fees

Interest rates, processing fees, and other charges vary based on the product type, loan amount, tenure, and your risk profile. All applicable charges will be disclosed before you accept any funding offer.

5.3 Repayment Obligations

By accepting any funding facility, you agree to repay the principal amount along with interest and fees as per the agreed schedule. Failure to make timely payments may result in additional charges, impact your credit score, and legal action.

5.4 Security & Collateral

Certain funding products may require collateral or security. The nature and value of security will be determined based on the funding amount and risk assessment.

6. User Obligations

You agree to:

• Use the Services only for lawful purposes
• Provide true, accurate, and complete information in all applications
• Not submit fraudulent applications or misrepresent your financial status
• Comply with all applicable laws and regulations
• Not interfere with or disrupt the Services or servers
• Not attempt to gain unauthorized access to any part of the Services
• Not use the Services to transmit harmful code or malware

7. Intellectual Property

All content, trademarks, logos, and intellectual property on our Services are owned by or licensed to Capex Credit Circle Private Limited. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without prior written consent
• Reverse engineer any part of our Services
• Create derivative works based on our Services

8. Privacy

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Services, you consent to the data practices described in our Privacy Policy.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• The Services will be uninterrupted or error-free
• Any defects will be corrected
• The Services are free of viruses or harmful components
• Any funding application will be approved

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPEX CREDIT CIRCLE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES.

Our total liability for any claim arising from your use of the Services shall not exceed the fees paid by you to us in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Capex Credit Circle, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any rights of a third party
• Any false or misleading information you provide

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of the Services shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

Before initiating any legal proceedings, you agree to attempt to resolve any dispute through good-faith negotiation and, if unsuccessful, through mediation or arbitration as per the Arbitration and Conciliation Act, 1996.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified through email or prominent notice on our website. Your continued use of the Services after such modifications constitutes acceptance of the updated Terms.

14. Termination

We may suspend or terminate your access to the Services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

Upon termination, your right to use the Services will cease immediately. All provisions of these Terms that should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

15. Regulatory Compliance

Capex Credit Circle operates in compliance with applicable Reserve Bank of India (RBI) regulations and other relevant financial sector guidelines. We are committed to maintaining the highest standards of regulatory compliance and ethical business practices.

16. Contact Information

For questions or concerns about these Terms of Service, please contact us:

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.