This Website is owned and managed by Pine Cash. The company heads their operations at Pine Cash Maya Chs Ltd, Shop No. 285, 3rd Floor, White House, Jagannath Shankar Seth Rd, Girgaon, Mumbai, Maharashtra 400004. The "Operator", “We”, “Us” are authorized to exercise the ownership and intellectual property rights to the Website.
Use of Information and Materials
The Content contained in this Website, including the text, any internal or external links to other websites, design etc are subject to copyright. The visitor of the website has no right to copy the contents of the website under any circumstances for their leisure. To use the content of the website for their own use, the user need to have a written consent from the website's Manager (Us) User should not copy, download, publish, distribute or reproduce any of the Content contained on this Website in any form without prior permission of the Operator.
The Content (text, design, data, news items, software, images, video and audio etc.) contained on this Website is provided for general information only. The visitor has no right to use it as a basis for making business/commercial decisions. User is advised to exercise due caution and/or seek independent advice before entering into any arrangement or financial obligation based on the Content contained on this Website.
Creation of User Account for availing Services
To avail personal loans other services from Pine Cash, the User has to create an account (“User Account”) with us by registering himself / herself. It is believed that user understands that the user is solely responsible for maintaining the secrecy of his registered user id and the password. The User shall be responsible for all activities that occur in connection with your User Account. In any case of unauthorize use of your account, the user needs to convey this to the company, so that appropriate action may be taken on time to avoid any harm. The user is advised not to create multiple accounts in his/her/other's name. The user shall not use your User Account for any purpose that is unlawful, illegal or forbidden by law. As a consideration for availing Loan/ Service through Website, you may be required to pay certain fee, charges, interest or cost as may be applicable as mentioned in our Website or as per the terms for respective products and services as prescribed by us. We beleive that you understand that application of loan through online means is dependent on technical factors which includes your internet connectivity, your ability to make payment through online means which in-turn is depended on payment services from your bank or similar service providers, capability of the computer or phone which you use for the purpose, your careful approach in reading the terms, understanding the same and following the process. You are soley responsible prevention and back up of data and/or equipment. The user should take it as a reasonable responsibility to scan their computer for any computer viruses. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.
For the purpose of creating the User Account through the Website:
1.You should hold Indian citizenship and have attained a minimum age of 18 years.
2.You have valid email address and valid mobile number. Having a valid mobile number is madatory as we would be sending you an OTP which is needed in order to get you registered at Pine Cash.
3.You need to have an updated UID (Aadhaar) number and Permanent Account Number (PAN) or such other valid identity proof and residential address proof as described by Reserve Bank of India and prescribed by us for KYC requirements
4.You need to have a bank account in India (bank name, IFSC, branch and account number). The account should have enabled internet banking facility for the purpose of transfer of funds.
5.You should not be the person who is prohibited by any means, due to any reasons from availing loan from us.
6.You shall not impersonate any person or entity or falsely state or otherwise misrepresent age, identity or affiliation with any person or entity.
7.You should be either salaried employee (government employee or a private employee) or a self-employed indiviual.
While creating the User Account you will be asked to provide certain information which may include your KYC Details, Personal Details, Loan Details, and Bank Details which is collectively referred to as Customer Data. It is our kind request to you to kindly provide rightful information to increase our credibility. You need to make sure that the details entered by you are correct to your best knowledge. We can rely on it for providing the Loan and/or services sought by you through the Website.
Apart from accepting this Policy on Website Use for availing the loan from Pine Cash, you shall be additionally required to agree ‘General Terms and conditions for obtaining Personal Loan Pine Cash' as registered with Sub-Registrar of Assurances at Mumbai (Maharashtra) under the Deed of Declaration having Registration No.23050 dated 10.11.2015 (hereinafter referred as "GTC") for terms and conditions applicable to the loan Further, it is made clear that accepting these terms or creation of User Account will not bind us in granting you any loan or services, the same shall be further governed by the specific terms in addition to this Policy.
Links to Other Sites
By using our Website you agree that you shall not:
(a) contravene ours or any third party's intellectual property rights, rights of publicity or privacy;
(b) use our Website for spamming, or rumoring false beliefs, or illegally interferring with security, integrity, networks of operation related features of our Website or features that enforce limitations on the use of Website;
(c) refuse to cooperate in an investigation, this may invole failing to provide us with identity confirmation or proof or any other information that you have provided us with.
(d) post any message, image or program which is negative and that violates any law or which may fall under any kind of negative propoganda, or which is libellous, defamatory or which discloses private or personal matters concerning an individual;
(e) upload any content that constitutes remiss advice or contains any remiss statement or instructions by an individual, which may promote riots, any kind of criminal activity; or any content which is in contempt of any court, or in breach of any court order or any law.
(f) use the facilities and capabilities of Site to conduct any activity that is illegal in any form.
(g) breach these Terms or any other policies which we have; and
(h) use web site to collect or obtain personal information, including without limitation, personal information about other users of our Site.
Copyrights and Trademarks
The user of the website have no right to use any of our trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. Alternatively, you do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed within the services. We does not warrant that your use of materials displayed at the Site will not contravene rights of any third party
All copyright and all intellectual property rights in all material presented on the Site (including but not limited to text, video or images), trademarks and logos appearing on this site are the property of the Manager (Us). The Content contained in this Website, including the text, any internal or external links to other websites, design etc are subject to copyright. The visitor of the website has no right to copy the contents of the website under any circumstances for their leisure.
No Warranty and Limitation of Liability
This Website may contain opinions and statements of various professionals/ experts/ analysts, etc. Manager of the website (Us) does not represent/ endorse the accuracy, reliability of any of the opinions or statements. The Manager (Us) does not guarantee the correctness, accuracy, completeness, or availability of this Website's contents and/or services and does not accept any responsibility (e.g. towards the Users of the Website) in this respect. We therefore advice the users to themself verify the opinions or statements in terms of their correctness, accuracy, availability etc.
The User is fully liable for any risk for his use of this Site and the Manager (Us) does not assume any responsibility or liability for such risk. Pine Cash, its subsidiary companies, their directors and employees accept no liability and will not be responsible for any loss or damage arising directly or indirectly from use of this Website by any User or any linked site or inability to use by any party, howsoever arising. This may include any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Website, its Contents or associated services.
No information sent to any customer through this Website shall involve any warranty by the Manager (Us), or its subsidiaries or affiliates regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity.
By accepting this terms or using this Website or by expressing intent or by making application for availing any loan or services, you confirm that you have understood the intricacies, the related risks and the process, you also confirm the aspects mentioned aforesaid are beyond control of the Operator. Hence, any of your acts will be at your choice and discretion and therefore you disclaim us from claim or damages suffered by you or for loss of profit.
Due to the nature of the Internet transactions, use of or access to the Website may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. The Operator is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.
Changes made to the Website
The Manager (Us) has the right to alter the contents, appearance, accessibility of the website as when needed, without prior notice. The publication of any data or information on the Website, with the exception of this Policy on Website Use, will not be considered as an act in law, unless expressly stated otherwise.
The User is expected to keep updated of any changes made in this Website and the information available on it on a regular basis. The Manager (Us) enrolls no responsibility about informing the user about the changes being made to the website. Though Operator will endeavor to ensure that information contained on this Site is obtained from sources which, it feels, are reliable. Operator does not warrant such information’s completeness or accuracy. Use of the Website after the republication of amended Policy is deemed to represent the User's consent with the amended Policy on Website Use.
The use of this Website and the Policy on Website Use shall be governed by Indian law. The Policy on Website Use and your activity under this Policy are an ‘electronic record’ in accordance with the (Indian) Information Technology Act, 2000.
Any dispute arising in connection with the use of Website shall be settled before courts of Maharashtra (India) and in accordance with Indian law. Should any provision of this Policy be held invalid or unenforceable for any reason, the invalid or unenforceable provision shall be severable from the remaining provisions and shall not affect the validity or enforceability thereof.
Annual Percentage Rate(APR)
APR or Annual Percentage Rate is a very common term in the banking world. Though common, this term might result in confusion for the first-time loan borrowers. This is an interest rate that is different from the standard rate of interest and that is why an applicant must have a good amount of knowledge about APR before opting for a personal loan. Only when you understand the different types of interest rates that you have to pay annually, you can enjoy the best advantages of availing a loan.