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info@canbaycapital.com

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+91 8867544002

Canbay Capital is a partnership firm registered under the Registrar of Firms. With its registered office and communication address at No.92, Second Floor, Govindappa Cross Road, R.V Road, Basavanagudi, Bangalore – 560 004, Karnataka and hereby sets the terms and conditions that apply to the access and use of the website, (www.canbaycapital.com) mobile applications and other resources both online and offline.

If you wish to access and continue, you agree to accept and abide by the terms and conditions, guidelines, disclaimer, and privacy policy set by Canbay Capital. At any point in time, if you feel that you do not agree or do not want to go beyond, please stop going further. At any instance time if you feel that you don’t want to be bound by any of the terms and conditions mentioned here or with any part of these terms, please refrain from using any of our services, also we request you to close the website instantly at such circumstances.

Eligibility

For the use of this website, mobile applications, other communication, and related resources we recommend that you are and must be at least 18 years of age and need to be an Indian citizen or an NRI. Note that all the products and services listed and provided by Canbay Capital are only for use in India and that our services are only available currently in Bangalore, Karnataka as of now.

Canbay Capital -DSA

Canbay Capital is a direct service provider (DSA), wherein we are in the business of promoting, marketing, and sales of financial products like loans, insurance, and other related products and services in collaboration with various entities like banks and non- banking financial companies, life and non-life Insurance companies, and providers. We also deal with real estate. We also engage and provide products and services from individual and non-individual entities who are third parties. By offering these products and services we are affiliated or tied up with third parties wherein we may provide information and data about them to the users or customers as well as provide customer information and data to these third parties in the process of exchange of the desired products and services.

Canbay Capital does not force any products on our visitors and customers. We make suggestions and recommendations and provide information to users and customers so that they can choose the right product and service that suits them. Once selected we assist them in gathering documentation, follow-up, and processing applications, so that they can be benefitted from the desired or chosen products or facilities.

You agree and acknowledge that Canbay Capital does not force any products and services to you but provides you with the available products and services to help you with the process requirements that you are interested in or choose.

Rights of Canbay Capital.

All the information data published and provided on the website with other communication offline/online and in print/digital with the logos, pictures, diagrams, graphs, software, source codes, calculators…Etc in any nature is the sole property of Canbay Capital. There is information that is crucial to business is confidential in nature and is not to be circulated or disclosed outside to any individual or non- individual entities, or third parties without consent. Canbay Capital does not allow or have authorized anyone to disclose, copy, reuse or reproduce any of the material, data, information, or content in any form unless permitted with written consent or permission to do so.

Canbay capital reserves the right to stop, discontinue or suspend certain or any product or services without prior notice and at certain instances with ample notice period. This may include products and service of third parties as well as products and services of employees, agents, connectors, partners, business associates, representatives, third party individuals and non-individual entities, life and non-life insurance companies, lending partners like banks, companies and NBFC’s (non- banking financial companies and other firms and companies - individual or non- induvial entities and other affiliates).

You agree and acknowledge that Canbay Capital has every right to stop, discontinue, or suspend such products or services without being liable to any user or customer for their damages and losses of any form and kind.

Trademark, Logo, Reuse, copying, and reproduction of data and information.

You agree and acknowledge that the information provided here on this website and other modes of communication is the property and proprietary of Canbay Capital. You also agree that the trade names, trademarks, logos, domain names, and other branding identities and designs are of Canbay Capital and its team and you do not have any rights to alter, modify, publish, or transmit any of this information without the prior written consent from the authorities of Canbay Capital.

Information and data presented through this website with other forms of documentation and communication through offline/online and through print /digital mediums is crucial for the functioning of any entity. You agree and declare that you will not sell any content, data, or information, published on this website in part or full, or through any forms of online or offline content to any individual, entity, or any third party at all. You will not copy, reuse, or reproduce any information on this website by use of any software, any other device or services like web or mobile applications or devices, or through any other digital or manual applications and devices, machines, artificial intelligence techniques and machines, services, products… etc. You shall not by any means disrupt, hold, or manipulate the services of Canbay Capital by way of any action that disrupts the infrastructure or manipulate any content and data for the reuse for any benefit of yours as well as of others.

Privacy Policy

We are committed to protecting your personal information. Please read and understand our privacy policy as we have explained how we handle and protect your personnel and sensitive information, and data when you access and submit information on this website.

Product and Service Requirements from Customers

Once a user or customer selects a product or service and engages us (Canbay Capital) for the follow-up and process of application we may have to capture and collect customer information as well as documentation. This information and documentation can be crucial and sensitive as it relates to information and data with regard to KYC (know your customer), credit history/scoring, income, asset and liability details. These are mandatory information, details, and documentation that will have to be submitted to the lender or company offering the product. These requirements are part of the compulsory due diligence process to be followed before any product is offered. Canbay Capital may also undertake an identity verification process as part of the mandatory obligation to abide by the business and service agreements, with the company, entity, or financial institution offering the product or service,

You declare and agree that this data and information is a mandatory and crucial requirement and must be compulsorily submitted to process applications for the desired products and services.

Product and Service Requirements from CustomersUser Feedbacks Suggestions, Information, and Content

Users and customers who engage our services to avail the desired products and services may provide feedback and information. Certain times information and contents of products and services may also be submitted. This may be done out of your interest or your access to such information which you may feel can be of help to new users and customers as well as to Canbay Capital for reasons you may deem fit. You agree that you are aware that you are responsible for such content and for the source of such information you post and submit to us. You are also aware that Canbay Capital can display such content with appropriate modifications and changes with no credits being referenced or mentioned. You are also aware that Canbay Capital has all the right to verify, include, or reject such content and information and has every right to decide whether it needs to be shared or displayed or not.

Third-Party - Partners Business Associates, Affiliates

As mentioned, we are in collaboration or associated with third parties, partners, business associates, and agents to provide products and services to our users and customers. In this regard, we may display banners, images, and links of products and services of third parties on our website, and any display of products and services offered by third parties does not suggest any guarantee, surety, or accuracy of these products and services being delivered to you. We provide a point of contact or reference to the existence of such products and services that we think can be beneficial for our users and customers or people visiting our website or interacting with us. Any decision of yours to avail these products and services from them and any of your interaction with these third parties is completely at your own will, risk, and discretion. We also suggest that you read through their corresponding terms, conditions, and privacy policy before choosing and engaging their products and services.

You agree and acknowledge that all such information and communication provided by the third party is at their sole discretion and that they have the complete right to approve or reject applications and requests made to them. Canbay Capital will not be responsible for the information they advertise or market such products on our platforms and through our communications. The display of such information is as per the information provided by them. Canbay Capital does not offer any surety, accuracy or guarantee of such information and does not take any liability and responsibility of any approval, rejection, surety, safety, guarantee, warranty, breach of trust, commitments, delivery, errors, offers, negligence, misinterpretations, wrong interpretations, damages to life or property in part or full, damages to equipment and software, loss of money, loss of savings and assets in part or full, incurring of costs and expenses which cannot be reimbursed or retrieved, amounts to be written off as part of investments made for such products and services, costs and expenses incurred as an outcome such interactions. Etc. The interaction by you with any such third parties is at your own risk and recommend that you check and verify them thoroughly before engaging them, also read through their terms and conditions.

Products of Services - Application – Sanction

To select or apply for a product or facility you must submit an application. It’s the basic document that provides your intent and consent in acquiring the product or facility. An application (Online or Offline) needs to be submitted to avail of any product like a loan, insurance from a bank, NBFC or an insurance company. The intent or consent is provided by way of signatures for offline applications and in terms of OTP verification in the case of online applications and is compulsory.

The application contains the necessary details required by the product or service provider to decide whether the submitted application meets the criteria and the required parameters based on which an application may be approved or rejected. Once approved the applicant will be provided with a sanction or approval letter else it will be rejected. Likewise, an application to an insurance company is issued with a policy certificate if approved, else it will be rejected.

The terms and conditions under which an application is approved are mentioned in the sanction letter or in the related agreements/documents, and policy certificate in case of insurance. Adherence to all the parameters and to the agreed terms and conditions of the application and sanction letter is very important in availing any product, facility or service, else it may result in rejection of the proposal/facility or result in additional fees, charges, and legal action as mentioned in the application or sanction letter.

You must carefully read and understand these terms before signing the documentation and in case of doubt get it clarified as well. Any specific commitments, waivers which is not mentioned in the sanction letter, loan agreements, or additional documentation should be communicated through a separate letter or written communication else it will be void.

Canbay Capital rests all the rights to accept/reject/process any application without providing any reason or clarification. All the applications logged in are subject to the approval criteria, parameters, and process depending on the product, the bank, or the company you have selected as per your choice. The corresponding bank or financial entity also reserves the right to approve or reject your submitted application.

You acknowledge and agree that it’s very important to read, clarify, and understand all the terms and conditions in the application as well as in the sanction letter (In case of Loan products) and Policy document in case of insurance products and related agreements and documentation provided from the bank/financial institution/company.

You acknowledge and agree that Canbay Capital cannot interfere in any of these aspects of the provided product/facility or other additional products and services as it is completely at the will of the financial institution/company and that Canbay Capital will never be responsible nor be liable for any claims, damages, and loss in part or full as part of the rejection of applications and facilities under any conditions or circumstances. You understand and agree that Canbay Capital will not be able to reimburse any such financial costs or other types of loss or damage incurred in part or full for any such happenings.

Credit Scoring

Applications and proposals submitted are subjected to credit history or bureau checks. Such applications are also reported to credit bureaus/score rating agencies or companies. In the event of your loan getting into a default mode the bank or financial institution may take legal action to recover the outstanding balance. It may also levy applicable charges and additional interest. Such irregular repayments and loan defaults would be reported to a credit bureau or rating agencies, which will affect your credit score and all further financial product requests and transactions.

You agree and acknowledge that Canbay Capital cannot interfere in such acts of the lender /financial institution and that it will not be liable for any claims or reimbursements in part or full in this regard.

Promotional Offers

Canbay Capital as part of the promotion and marketing of products and services may extend promotional offers to its users and customers. Apart from Canbay Capital third parties may also extend promotional offers to enhance or increase sales of their products and services. These offers will have a validity period and may change from time to time and will not be permanent. These promotional offers come with their own or corresponding terms and conditions.

You declare that you are aware of the rights of Canbay Capital as well as these third parties to modify, stop, or discontinue these offers at their sole discretion, and this can be done at any time with immediate effect without any prior notice.

Limitation of Liability

Neither Canbay Capital nor its employees, agents, connectors, partners, business associates, representatives, third party, lending partners (like banks, companies and NBFC’s (non-banking financial companies and other companies - individual or no- individual entities and other affiliates) under no circumstances will neither be liable nor will be responsible for special, direct, indirect, any part or complete loss, damages arising from loss of revenue and or profit , goodwill, business opportunities even if Canbay Capital was intimated or advised of the possible tangible or intangible loss, cost of damages arising out or in connection with as mentioned below by the use of the website or by use of any products and services promoted marketed and sold, by Canbay Capital through its employees, agents, connectors, partners, business associates, representatives, third party, lending partners (like banks, companies and NBFC’s (non-banking financial companies and other companies - individual or no- individual entities and other affiliates).

  • Inability to use any component of any property, equipment, machines, or services (like hardware, software, web or mobile applications, electronic or electrical equipment like laptops, computers, servers, batteries, wirings ..etc ).
  • Damages or loss by virus attacks through any links or from links and advertisements by third parties associated with us.
  • Any part or full loss of money, loss of wealth of both fixed and liquid assets like land and buildings, money saved in different instruments in financial instruments like bank accounts, mutual funds, bonds, shares, and equity,…Etc.
  • Any loss of life by accident, delay, injury, paralysis, death, natural calamities, act of God.
  • Any loss in case of any third-party claims, demands, suits, actions, or other proceedings.

Force Majeure

If any of the listed services of Canbay Capital gets restricted delayed or stopped by any of the listed reasons below - Canbay Capital will not be held responsible or liable in any manner during any time due to a force majeure event such as Hardware or software failures, other equipment, infrastructure, and communication failures, virus or malware attacks, hacking and trojan attacks, strikes, flood, fire, natural calamities, lockdown, law and order issues, acts of terror, explosion, act of God, laws and policies by government/departments and representatives, requirements for legal compliance, employee, labor, business partner, banks and financial institutional disputes and any or all other situations and occurrences not mentioned in the clause and wherein Canbay Capital does not have any control or could not be stopped by the team of Canbay Capital.

Fraud

You hereby declare that you will only use the website, related data, and resources as a source of information and to apply for the products listed on the website. You will not use this website or any other resources of Canbay Capital to do any kind of fraud, illegal, unlawful, abusive, threatening, or harassing activities. You also declare that you will not use this website and other or related resources to send or transmit content or messages that are objectionable, obscene, defamatory, or pornographic. You will not send or transmit any messages that will violate or that challenge the rights and privacy of individuals as well as non-induvial entities. You will not use any data, information, or resources of this website in offline/online format or in print/digital format without the prior written consent of Canbay Capital as well as the information and content that will violate the trademark and copyright terms and conditions.

You are aware that you will have to face all the proceedings as per law and will also be liable to pay all damages and claims arising out of such violation and breach of trust. You also agree to comply with the laws as applicable to India and act accordingly as per the constitution.

Changes to Terms and Conditions

Our website-related information, content, policy, and other communication, undergoes changes due to developments in the market and regulatory norms. We may also make these changes to correct errors and inaccuracies, feedback and requirements from users and customers, as part of requirements and changes from employees, third parties, product and service providers…etc.

We request users to review and get updated on the changes and modifications made to the content, terms, and conditions to understand it all the time and every time they access the website. Canbay Capital holds and reserves the right to change, modify, and publish the terms and conditions mentioned at any time without any advance or prior notice.

Governing Law

The law of the land is very important and any individual or non-individual entity in India is bound to respect and adhere to laws and Canbay Capital is not different or exception. Canbay Capital is committed to performing all its acts as per law.

These terms and conditions are governed by and constituted in accordance with the laws of the jurisdiction in which Canbay Capital operates. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts in that jurisdiction of Bangalore, Karnataka.

You agree and acknowledge that Canbay Capital has all the rights as well as has to duty cooperate with govt ministries, govt agencies, and departments in this regard and we may or will have to store, share, and transfer your crucial and sensitive personal and other information on request by these govt ministries, departments and agencies for the prevention, detection and investigation of crimes which can be offline or online in nature.

Contact Information

For any questions or concerns regarding these terms and conditions,
Please contact us at

Mail Us

info@canbaycapital.com

Apply Loan

Call Us

+91 8867544002
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