InsiderLab Fintech Private Limited (hereinafter referred to as "InsiderLab/We/Our") own and operate this Mobile Application ("Mobile Application"). These Terms of Use for the Channel Partner ("Terms") constitute a legally binding agreement made by and between InsiderLab and the user (Channel Partner) of this Mobile Application (personally and, if applicable, on behalf of the entity for whom you are using the Mobile Application; collectively, "You").
The Terms govern your use of the online Mobile Application platform we provide ("Services") . These terms are meant to govern the use of Mobile Application by our Channel Partners.
BY ACCESSING OR USING ANY PART OF THE MOBILE APPLICATION OR SERVICES, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO BE BOUND BY THESE TERMS, WHICH CONTAIN AN ARBITRATION AGREEMENT, A WAIVER OF CLASS-ACTION RIGHTS, AND LIABILITY LIMITATIONS. IF YOU DO NOT AGREE TO BE SO BOUND, YOU MAY NOT ACCESS OR USE THE MOBILE APPLICATION OR ANY SERVICES.
If you have any questions about these Terms, please contact us by:
Email us at admin@insiderlab.in
Call us at +919755963083
To use the Mobile Application you must be, and represent and warrant that you are, of legal age (18 years of age or older) and competence. If you have been previously prohibited from accessing the Mobile Application or the Mobile Application of any of our affiliates, you are not permitted to access the Mobile Application.
An inquiry of interest made by you is non-binding and involves no obligation or commitment of any kind by Insiderlab. Contact us today and a InsiderLab representative will advise if loans are currently available in your area.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-sub licensable, non-transferable, and revocable right to access the Mobile Application and the Services whereby the Channel Partner have the authority to use it for commercial purposes, and as we otherwise intend. InsiderLab reserves the right to monitor the Service for the purpose of determining that your usage complies with these Terms.
You may not use the Mobile Application or Services other than as expressly permitted under the present Terms. Without limitation, you will not, directly or indirectly: (a) copy, reproduce, modify, distribute, display, create derivative works of or transmit any content on the Mobile Application; (b) reverse engineer, decompile, tamper with or disassemble the technology used to provide the Service or Mobile Application (except as and only to the extent any foregoing restriction is prohibited by a non-waivable provision of applicable law); (c) interfere with or damage the Service, Mobile Application, or underlying any technology; (d) impersonate or misrepresent your identity or affiliation; (e) attempt to obtain unauthorized access to the Service or Mobile Application; (f) violate, misappropriate or infringe a third party’s intellectual property or other right, or any social media platform terms; (h) violate any law, rule, or regulation, or (I) interfere with any third party’s ability to use or enjoy, or our ability to provide, the Service or Mobile Application.
InsiderLab’s Privacy & Security Policy (which describes how we collect, use and disclose your data and your consent to such collection, use, and disclosure) is incorporated into a separate Privacy & Security Policy document.
If you create an account, you must provide us with complete and accurate information. You must promptly update such information to keep it complete and accurate. You are entirely responsible for maintaining the confidentiality of your password and account. You are entirely responsible for any and all activities that occur under your account. You may not use anyone else’s account at any time.
You agree to notify InsiderLab immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss, damages, liability, expenses or attorneys’ fees that you may incur as a result of someone else using your password or account, either with or without your knowledge. You will be liable for losses, damages, liability, expenses and attorneys’ fees incurred by InsiderLab or a third party due to someone else using your account.
InsiderLab has no obligation to retain a record of your account or any data or information that you may have stored for your convenience by means of your account or the Services.
All content and data on the Mobile Application, or otherwise made available via the Mobile Application or shared directly or indirectly through mobile application, including the text, data, notes, graphics, photos, sounds, music, videos, interactivities and the like ("Content") , the trademarks, service marks and logos contained therein ("Marks") , the design of the Mobile Application and/or Services ("Mobile Application Design") , and all software and other technology used to provide the Mobile Application and/or Services ("Technology") , are owned by or licensed to InsiderLab and/or its affiliates. Content is provided to you "as is" for your information and authorized/ legal use only and may not be used, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever. We reserve all rights not expressly granted in and to the Mobile Application, Content, Marks, Mobile Application Design and Technology. Using the Mobile Application and/or Services does not give you any ownership of or right in or to any Content, Marks, Mobile Application Design or Technology.
The Mobile Application, directly or indirectly, may contain information and content provided by third parties. We have no obligation to monitor, we do not endorse, and we are not liable for any third-party content made available on our Mobile Application/ website/ media resource or any other resource of Insiderlab. In addition, the Mobile Application may contain links to third-party Mobile Applications. InsiderLab is not responsible for the content on any linked Mobile Application/website or any link contained in a linked Mobile Application/website. We do not endorse or accept any responsibility for the content on such third-party Mobile Applications/ website/ other electronic source.
Third parties may offer their services directly to you through the Mobile Application. In such case, you may be required to agree to the third party’s terms of service and/or privacy policy to use the service. InsiderLab will not be liable in any way for the acts or omissions of such third party, the terms of service or privacy policy of the third party or its failure to adhere to its terms of service or privacy policy, or any loss, damages, liability or expenses (including attorneys’ fees) that you may incur arising from or related to such third party’s services or products.
If you send comments or suggestions about the Mobile Application or Services to InsiderLab, including, but not limited to, notes, text, drawings, images, designs or computer programs, such submissions shall become, and shall remain, the sole property of the InsiderLab. No submission shall be subject to any obligation of confidence on the part of InsiderLab. InsiderLab shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.
By sharing, submitting or uploading any User Content, you grant InsiderLab a worldwide, perpetual, irrevocable, non-exclusive, royalty-free, sublicensable and transferable license to use, copy, distribute, display, and publish your User Content for the purpose of providing the Services. Subject to the license above, you retain ownership of User Content.
You acknowledge and agree that you are solely responsible for all the User Content that you make available through the Mobile Application. Accordingly, you represent and warrant that: (1) you have all rights, licenses, consents and releases necessary to grant InsiderLab the required rights to disseminate any User Content and (2) neither your User Content nor your posting, uploading, publication, submission or transmittal of this User Content or InsiderLab’s use of your uploaded User Content (or any portion thereof) on, through or by the means of the Mobile Application, will infringe, misappropriate or violate a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights or rights of publicity or privacy or result in the violation of any applicable law or regulation.
We have the right to remove or edit any User Content for any reason or no reason at all purely on our discretion.
THE MOBILE APPLICATION AND SERVICES ARE PROVIDED "AS AVAILABLE" AND "AS IS," TO THE FULLEST EXTENT PERMITTED BY LAW, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND. InsiderLab DISCLAIMS TO THE FULLEST EXTENT PERMITTED BY LAW ALL WARRANTIES, EXPRESS, IMPLIED AND STATUTORY, INCLUDING ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. THIS PROVISION IS NOT INTENTDED TO DISCLAIM LIABILITY THAT WE MAY NOT DISCLAIM UNDER APPLICABLE LAW.
InsiderLab DOES NOT REPRESENT OR WARRANT THAT THE MOBILE APPLICATION, SERVICES OR EMAILS SENT TO YOU WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, FREE OF VIRUSES OR OTHER HARMFUL CODE, OR THAT ALL INFORMATION WILL BE ACCURATE OR COMPLETE. YOU AGREE THAT YOUR USE OF THE MOBILE APPLICATION SHALL BE AT YOUR SOLE RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR HARDWARE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF MATERIAL OR DATA. InsiderLab MAKES NO REPRESENTATION, WARRANTY, GUARANTEE OR PROMISE THAT THE MOBILE APPLICATION OR SERVICES WILL MEET YOUR REQUIREMENTS OR ACHIEVE ANY PARTICULAR RESULTS. InsiderLab WILL NOT BE RESPONSIBLE FOR ANY THIRD-PARTY CONTENT OR SERVICES ON THE MOBILE APPLICATION, ANY LINKS TO THIRD-PARTY MOBILE APPLICATIONS OR ANY THIRD-PARTY MOBILE APPLICATIONS. InsiderLab MAKES ALL DISCLAIMERS IN THIS PARAGRAPH ON BEHALF OF ITSELF AND ITS LICENSORS AND SERVICE PROVIDERS.
InsiderLab DOES NOT WARRANT, ENDORSE, GUARANTEE OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE MOBILE APPLICATION OR ANY MOBILE APPLICATION FEATURED OR LINKED TO THROUGH THE MOBILE APPLICATION, AND InsiderLab WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. InsiderLab WILL NOT BE LIABLE FOR THE OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY. YOU VOLUNTARILY ASSUME THE RISK OF HARM OR DAMAGE FROM THE FOREGOING. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE AND TO THE FULLEST EXTENT PERMITTED BY LAW.
IN NO EVENT, TO THE FULLEST EXTENT PERMTTED BY APPLICABLE LAW, WILL InsiderLab, ITS AFFILIATES OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES (COLLECTIVELY "InsiderLab" FOR PURPOSES OF THIS CLAUASE) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES RESULTING FROM THE PERFORMANCE, USE OF OR THE INABILITY TO USE THE MOBILE APPLICATION, OR SERVICES, EVEN IF InsiderLab HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, VIOLATION OF STATUTE OR OTHERWISE. InsiderLab WILL NOT BE LIABLE FOR THE COST OF SERVICES, LOSS OF REVENUE OR LOSS OF GOOD WILL
YOU ARE RESPONSIBLE FOR CREATION, STORAGE, AND BACKUP OF YOUR DATA AND RECORDS. THESE TERMS AND ANY REGISTRATION FOR OR SUBSEQUENT USE OF THIS MOBILE APPLICATION OR THE SERVICES WILL NOT BE CONSTRUED AS CREATING ANY RESPONSIBILITY ON Insiderlab’s PART TO STORE, BACKUP, RETAIN, OR GRANT ACCESS TO ANY INFORMATION OR DATA FOR ANY PERIOD.
You agree to defend, indemnify and hold harmless InsiderLab, its affiliates and their respective directors, officers, employees and agents (the "Indemnified Parties") from and against any and all claims, damages, losses, liabilities and expenses (including attorneys’ fees) incurred in connection with any third-party claim brought or asserted against any of the Indemnified Parties: (a) alleging facts or circumstances that would, if true, constitute a violation of any provision of these Terms by you; (b) alleging bodily injury, death, property damage or other damages arising from your or a third party’s use or misuse of any purchase of service or transaction on this Mobile Application; (c) arising from or related to any other party’s access and use of the Services with your unique username, password or other appropriate security code (if such codes are required to access Services in the future); (d) arising from or related to our use of your User content or Feedback in the context of the Services; or (e) arising from, related to, or connected with your use or misuse of the Mobile Application or Services. We may, in our sole and absolute discretion, control the disposition of any such claim at your sole cost and expense. You may not settle any such claim without our express written consent.
These Terms are effective unless and until terminated by you or us. We may, in our sole and absolute discretion and without any liability, modify, suspend or discontinue any aspect of the Mobile Application, temporarily or permanently, at any time and without prior notice.
We may terminate the Mobile Application or the Services, your access to the Services, in part or as a whole, at any time, for any or no reason, and without notice or liability to you.
We may deny you access to all or part of the Mobile Application at any time for any reason (including if you violate these Terms, as determined in our sole and absolute discretion) or no reason at all.
If you terminate your account, you will remain liable under these Terms for any purchase made/ services availed prior to termination. If we terminate your right to access the Mobile Application, these Terms will terminate and all rights which you have to access the Mobile Application will immediately terminate. The following provisions will survive termination: 1 (c), 1 (d), 2 (c), 3, 4, 6 to 8, 9.2, 9.4, 10 through 11.
You and InsiderLab agree that any claim or controversy that arises between us relating in any way to any breach, enforcement, or termination of the Terms or your use of or access to the Mobile Application or Service (each a "Reserved Matter" and collectively, "Reserved Matters" ), will be resolved in accordance with the provisions set forth in this Clause 12.
If you have any dispute with InsiderLab, you and InsiderLab agree that before taking any formal action, you will contact us at admin@insiderlab.in, provide a brief, written description of the dispute and your contact information (including the email address associated with your account, if your dispute relates to an account), and allow sixty (60) days to pass, during which InsiderLab will attempt to reach an amicable resolution of any issue with you.
You and InsiderLab agree that the law governing the Republic of India including the Arbitration & Conciliation Act, 1996 without regard to conflict of laws principles, will govern all Reserved Matters. Such body of law will apply regardless of your residence or the location of where you use the InsiderLab Services.
You and InsiderLab agree that these Terms and each of its parts evidence a transaction involving interstate commerce, and the Indian Arbitration & Conciliation Act, 1996 applies in all cases and governs the interpretation and enforcement of the arbitration rules and arbitration proceedings. Any Reserved Matter must be asserted individually in binding arbitration administered by the Sole Arbitrator named Adv Syed Mohd Shoeb, Enrol. No. D/3966/2012, C-57, Lower Ground Floor, Defence Colony, Delhi-110024. You and InsiderLab further agree that
(i) The arbitrator will utilize desk, phone, or video conference proceedings where appropriate and permitted to mitigate costs of travel.
(ii) The Seat of Arbitration will be at New Delhi, India.
(iii) The arbitrator will not conduct any form of class or collective arbitration nor join or consolidate claims by or for individuals.
(iv) The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability or formation of these Terms.
(v) The Arbitrator's Award: The arbitrator will decide the substance of all claims in accordance with applicable law.
(vi) Arbitrator shall not be bound by rulings in prior arbitrations involving different Users, but is bound by rulings in prior arbitrations involving the same User to the extent required by applicable laws of the Republic of India.
(vii) You and InsiderLab agree that the arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in and enforced by any court of competent jurisdiction.
(viii) YOU AND InsiderLab AGREE THAT THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER USERS.
(ix) Who Bears the Costs of Arbitration
You and InsiderLab agree that payment of all filing, administration, and arbitrator fees will be governed by the Delhi International Arbitration Centre (DIAC) rules, unless otherwise stated in this agreement to arbitrate. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous or without merit, you agree that InsiderLab is relieved of its obligation to reimburse you for any fees associated with the arbitration.
(x) Future Amendments to the Agreement to Arbitrate
Notwithstanding any provision in the Terms to the contrary, you and InsiderLab agree that if InsiderLab makes any amendment to the agreement to arbitrate under this Clause in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against InsiderLab prior to the effective date of the amendment. However, the amendment shall apply to all other disputes or claims governed by the agreement to arbitrate that have arisen or may arise between you and InsiderLab. If you do not agree to these amended terms, you may close your account within seven (7) days of the posting or notification of such amended terms and you will not be bound by the amended terms.
(xi) Local Courts
The Courts of New Delhi shall have exclusive jurisdiction under the present terms of use.
Under no circumstances shall InsiderLab or its licensor or supplier be held liable for any delay or failure in performance resulting, directly or indirectly, from an event beyond its reasonable control.
No waiver of any term of these Terms will be binding unless in writing, no waiver of any term of these Terms will be deemed a further or continuing waiver of such term or any other term, and the failure of InsiderLab to exercise or enforce any right or remedy in these Terms does not waive that right or remedy. If an arbitrator or a court of competent jurisdiction finds any provision of these Terms to be invalid, the parties agree that the court should endeavor to give effect, to the maximum extent permitted by law, to the parties’ intentions as reflected in the provision, and the other provisions of these Terms will remain in full force and effect.
These Terms (and all policies, terms and conditions referenced herein) constitute the entire agreement between you and InsiderLab and govern your use of the Mobile Application, and Services provided by InsiderLab, and supersede any prior agreements between you and InsiderLab on the subject matter. You also may be subject to additional terms that may apply when you use certain InsiderLab services or third-party content, links or Mobile Applications. These Terms, and any rights or licenses granted hereunder, may not be assigned or delegated by you. These Terms, and any rights or licenses granted hereunder, may be assigned or delegated by InsiderLab without restriction. These Terms bind and inure to the benefit of each party and the party’s successors and permitted assigns. These Terms may not be modified by an oral statement by a representative of InsiderLab. No agency, partnership, joint venture or employee-employer relationship is intended or created by these Terms. You agree to comply with all applicable laws in your use of the Mobile Application and Services. You agree that any agreements made by and between you and us in electronic form are as legally binding as if made in physical written form. These Terms will not be construed against the drafter. "Include(s)" or "including" means, respectively, "include(s), without limitation," or "including, without limitation,", unless expressly stated otherwise.
The Mobile Application is controlled and offered by InsiderLab from India. InsiderLab makes no representations that the Mobile Application is appropriate for use in other locations. Those who access or use the Mobile Application from other locations do so at their own risk and are responsible for compliance with local law. You consent to the processing in India of information you provide to us.
You hereby consent to receiving and transacting with us by electronic means. We may deliver notice to you by e-mail, posting a notice on the Mobile Application or any other method we choose and such notice will be effective on dispatch. If you give notice to us, it will be effective when received and you must use the following physical or email address:
Name: InsiderLab Fintech Pvt. Ltd.
C/O: Mr. Karan Babbar
Address : 1603/1 Old RTO Road, South Civil Lines, Jabalpur, M.P., 482001
Email: admin@insiderlab.in
Phone: +919755963083