Terms and Conditions
This Agreement is a contract between You and SaveDesk and applies to your use of the services.
You must read, comprehend, agree with and accept all the terms and conditions compiled in this Agreement before registering for the services. Any use of the services by You is on an agreement on the services and shall constitute your acceptance of the Agreement and we recommend that You store or print-off a copy of the Agreement (including all policies) for your future reference.
This document is an electronic record in terms of, Information Technology Act, 2000 and the rules stated are as per the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000.
This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of www.savedesk.co
Please read this Agreement carefully and make sure that You understand and agree to it fully before using the Services.
Your use of the website, services and tools are governed by the following terms and conditions ("Terms of Use") as applicable to the Website, including the applicable policies which are incorporated herein. If You transact on the Website, You shall be subjected to the policies that are applicable to the website for such transactions.
For the purpose of these Terms of Use, wherever the context so requires "You" or "User" shall mean any natural or legal person who has agreed to become a Customer on the Website. This is applicable, by providing Registration Data while registering on the Website as Registered User using the computer systems.
When You use any of the services provided by Us through the Website, You will be subjected to the rules, guidelines, policies, terms, and conditions applicable to such service, and they shall be deemed to be incorporated into this "Terms of Use" and shall be considered as part and parcel of this "Terms of Use". We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of the Website following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Website.
ACCESSING, BROWSING OR OTHERWISE USING THE SITE INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING.
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By impliedly or expressly accepting these Terms of Use, it is understood that You also accept and agree to be bound by SaveDesk Policies (including but not limited to Privacy Policy available on /savedesk/privacy policy) as amended from time to time.
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Buyers Credit transactions are subjected to the FEMA Rules and regulations as prescribed by the local rules and regulations.
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The rates provided to You by www.savedesk.co are from the authentic Financial Institution's (FI) directly and are a representative of the economic conditions and the cost of funds available with lending Banks.
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The quotes provided by www.savedesk.co are valid for a duration of 1 day only, within which You need to confirm the quote. Post confirmation on the agreed rate, offer letter will be arranged from the lender/FI.
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The quotes provided by savedesk.co are exclusive of any government tax like service tax, charges, and levies which will be charged at actuals.
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Any requirement received during non-working hours will be attended to on the next morning.
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In case You have a requirement of more than one currency, separate requests for each currency has to be placed.
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You may be required to provide KYC /AWB Bill copy or any other documentation to the FI's as required by them and as per their terms and condition.
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If You wish to amend/change a transaction which has already been submitted on SaveDesk, first you will need to cancel the transaction and then re-book a new one on savedesk.co
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You expressly agree that your contact details can be shared with the FI's/ Foreign Banks whose services You choose. Additionally, your contact details can be used to provide You with any information about savedesk.co
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In the event you opt for the offer letter delivered, you agree that there would be charges associated with such service, money will not be refundable under any circumstances.
Membership Eligibility
Use of the Website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website. If you are a minor, i.e. under the age of 18 years, you shall not register as a User of the SaveDesk website and shall not transact or use the website. As a minor, if you wish to use or transact on website, such use or transaction may be made by your legal guardian or parents on the Website. SaveDesk reserves the right to terminate your membership and / or refuse to provide you with access to the Website if it is brought to SaveDesk's notice or if it is discovered that you are under the age of 18 years.
Your Account
If You use the Website, You shall be responsible for maintaining the confidentiality of your Display Name and Password and You shall be responsible for all activities that occur under your Display Name and Password. You agree that if You provide any information that is untrue, inaccurate, not current or incomplete or We have reasonable grounds to suspect such information is untrue, inaccurate, not current or incomplete, or not in accordance with the Terms of Use, We shall have the right to indefinitely suspend or terminate or block access of your membership on the Website and refuse to provide You with access to the Website.
Communications
When You use the Website or send e-mails or other data, information or communication to us, You agree and understand that You are communicating with Us through electronic records and You consent to receive communications via electronic records from Us periodically as and when required. We may communicate with you by e-mail or by such other mode of communication, electronic or otherwise.
Platform for Transaction and Communication
The Website is a platform that Users utilize to meet and interact with one another for their transactions.
All commercial/contractual terms are offered by and agreed to between FI/Banks/Foreign Lenders and Customers respectively. The commercial/contractual terms include without limitation price, shipping costs, payment methods, payment terms, date, period and mode of delivery, warranties related to services and after sales services.
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SaveDesk is not responsible for any non-performance or breach of any contract entered into between Customers and FI's/Foreign Banks. 'SaveDesk' cannot and does not guarantee that the concerned Customers and FI's will perform any transaction concluded on the Website. SaveDesk shall not and is not required to mediate or resolve any dispute or disagreement between Customers and FI's(Financial Institute). SaveDesk does not make any representation or warranty as to the item-specifics (such as legal title, creditworthiness, identity, etc) of any of its Users. You are advised to independently verify the bona fides of any particular User that You choose to deal with on the Website and use Your best judgment in that behalf.
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SaveDesk does not at any point of time during any transaction between Customer and FI's on the Website come into or take possession of any of the products or services offered by FI's, nor does it at any point gain title to or have any rights or claims over the products or services offered by FI's to Customers.
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At no time shall SaveDesk hold any right, title or interest over the products, nor shall SaveDesk have any obligations or liabilities in respect of such contract entered into between Customers and FI's. White Matter Advisory India Private Limited is not responsible for the unsatisfactory or delayed performance of services or delays as a result of non funding of Nostro account by Lender/FI's.
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You shall independently agree upon the manner and terms and conditions of delivery, payment, insurance etc. with the FI's that You transact with.
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You release and indemnify SaveDesk and/or any of its officers and representatives from any cost, damage, liability or other consequence of any of the actions of the Users of the Website and specifically waive any claims that you may have in this behalf under any applicable law.
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Buyer's Credit rates provided on our platform are indicative and are subject to change as per the international Bank/FI's funds availability. The final rate applicable to your transaction will be the rate mentioned in the offer letter.
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SaveDesk is a service provider and does not own any of the products sold on its platform.
Payments, Cancellations, and Refunds
SaveDesk.com is a marketplace for buyer's credit rate. We will collect a nominal fee for rendering our services Under any circumstances, we will not refund the money collected, post issuance of the offer letter.
Charges
SaveDesk does not charge any fee for browsing and buying on the Website. SaveDesk reserves the right to change its Fee Policy from time to time. In particular, SaveDesk may at its sole discretion introduce new services and modify some or all of the existing services offered on the Website. In such an event, SaveDesk reserves the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to the Fee Policy shall be posted on the Website and such changes shall automatically become effective immediately after they are posted on the Website. Unless otherwise stated, all fees shall be quoted in Indian Rupees.
Use of the Website
You agree, undertake and confirm that Your use of Website shall be strictly governed by the following binding principles:
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You shall not host, display, upload, modify, publish, transmit, update or share any information which:
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Belongs to another person, to which You do not have any right to.
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Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to "indecent representation of women" within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
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Is misleading in any way;
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Is patently offensive to the online community, such as sexually explicit content, or content that promotes obscenity, paedophilia, racism, bigotry, hatred or physical harm of any kind against any group or individual;
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Harasses or advocates harassment of another person;
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Involves the transmission of "junk mail", "chain letters", or unsolicited mass mailing or "spamming";
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Promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libellous;
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Infringes upon or violates any third party's rights [including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person's name, email address, physical address or phone number) or rights of publicity];
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Promotes an illegal or unauthorized copy of another person's copyrighted work (see "Copyright complaint" below for instructions on how to lodge a complaint about uploaded copyrighted material), such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files;
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Contains restricted or password-only access pages, or hidden pages or images (those not linked to or from another accessible page);
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Provides material that exploits people in a sexual, violent or otherwise inappropriate manner or solicits personal information from anyone;
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Provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses;
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Contains video, photographs, or images of another person (with a minor or an adult).
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Tries to gain unauthorized access or exceeds the scope of authorized access to the Website or to profiles, blogs, communities, account information, bulletins, friend request, or other areas of the Website or solicits passwords or personal identifying information for commercial or unlawful purposes from other users.
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Solicits gambling or engages in any gambling activity which We, in Our sole discretion, believe is or could be construed as being illegal;
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Interferes with another User's use and enjoyment of the Website or any other individual's User and enjoyment of similar services;
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Harm minors in any way;
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Infringes any patent, trademark, copyright or other proprietary rights or third party's trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen products;
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violates any law for the time being in force;
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Impersonate another person;
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Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any trojan horses, worms, time bombs, cancel bots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
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Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.
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Shall not be false, inaccurate or misleading;
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Shall not, directly or indirectly, offer, attempt to offer, trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force.
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Shall not create liability for Us or cause Us to lose (in whole or in part) the services of Our internet service provider ("ISPs") or other suppliers;
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You shall not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Website or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Website or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Website. We reserve Our right to bar any such activity.
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You shall not attempt to gain unauthorized access to any portion or feature of the Website, or any other systems or networks connected to the Website or to any server, computer, network, or to any of the services offered on or through the Website, by hacking, password "mining" or any other illegitimate means.
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You shall not probe, scan or test the vulnerability of the Website or any network connected to the Website, nor breach the security or authentication measures on the Website or any network connected to the Website. You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to Website, or any other customer, including any account on the Website not owned by You, to its source, or exploit the Website or any service or information made available or offered by or through the Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Website.
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You shall not make any negative, denigrating or defamatory statement(s) or comment(s) about Us or the brand name or domain name used by Us including the terms SaveDesk, or otherwise engage in any conduct or action that might tarnish the image or reputation of SaveDesk on platform or otherwise tarnish or dilute any SaveDesk's trade or service marks, trade name and/or goodwill associated with such trade or service marks, trade name as may be owned or used by us.
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You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website, or with any other person's use of the Website.
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You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal You send to Us on or through the Website or any service offered on or through the Website. You may not pretend that You are, or that You represent, someone else, or impersonate any other individual or entity.
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You may not use the Website or any content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of SaveDesk and / or others.
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You shall, at all times, ensure full compliance with the applicable provisions of the Information Technology Act, 2000 and rules that are applicable and as amended from time to time and also all applicable Domestic laws, rules and regulations (including the provisions of any applicable Exchange Control Laws or Regulations in Force) and International Laws, Foreign Exchange Laws, Statutes, Ordinances and Regulations (including, but not limited to Sales Tax/VAT, Income Tax, Octroi, Service Tax, Central Excise, Custom Duty, Local Levies) regarding Your use of Our services and Your listing, purchase, solicitation of offers to purchase, and sale of products or services. You shall not engage in any transaction in an item or service, which is prohibited by the provisions of any applicable law including exchange control laws or regulations for the time being in force.
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Solely to enable Us to use the information You supply Us with, so that we are not violating any rights You might have in Your Information, You agree to grant Us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise the copyright, publicity, database rights or any other rights You have in Your Information, in any media now known or not currently known, with respect to Your Information. We will only use Your information in accordance with the Terms of Use and Privacy Policy applicable to use of the Website. You shall not engage in advertising to, or solicitation of, other Users of the Website to buy or sell any products or services, including, but not limited to, products or services related to that being displayed on the Website or related to us.xcv,.cxv/.cvx. It will be a violation of these Terms of Use to use any information obtained from the Website in order to harass, abuse, or harm another person, or in order to contact, advertise to, solicit, or sell to another person other than Us without Our prior explicit consent. In order to protect Our Users from such advertising or solicitation, We reserve the right to restrict the number of messages or e-mails which a user may send to other Users in any 24-hour period, which We deem appropriate in its sole discretion. You understand that We have the right at all times to disclose any information (including the identity of the persons providing information or materials on the Website) as necessary to satisfy any law, regulation or valid governmental request. This may include, without limitation, disclosure of the information in connection with investigation of alleged illegal activity or solicitation of illegal activity or in response to a lawful court order or subpoena. In addition, We can (and You hereby expressly authorize Us to) disclose any information about You to law enforcement or other government officials, as we, in Our sole discretion, believe necessary or appropriate in connection with the investigation and/or resolution of possible crimes, especially those that may involve personal injury. We reserve the right, but have no obligation, to monitor the materials posted on the Website.
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Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Website, including payment and delivery of related products or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between You and such advertiser. We shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Website.
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It is possible those other users (including unauthorized users or "hackers") may post or transmit offensive or obscene materials on the Website and that You may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about You due to your use of the Website, and that the recipient may use such information to harass or injure You. We do not approve of such unauthorized uses, but by using the Website You acknowledge and agree that We are not responsible for the use of any personal information that You publicly disclose or share with others on the Website. Please carefully select the type of information that You publicly disclose or share with others on the Website.
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SaveDesk shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of people, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).
Indemnity
If there is any breach in Terms of Use, Privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party, You shall indemnify that SaveDesk, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed is due the breach and it shall hold harmless to SaveDesk.
Applicable Law
Terms of Use shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall be exclusively in Bangalore.
Jurisdictional Issues/Sale in India Only
Unless otherwise specified, the material on the Website is presented solely for the purpose of sale in India. SaveDesk makes no representation that materials in the Website are appropriate or available for use in locations/Countries other than India. Those who choose to access this site from locations/Countries other than India do so on their own initiative and SaveDesk is not responsible for supply of products/refund for the products ordered from other locations/Countries other than India in compliance with local laws, if and to the extent local laws are applicable.
Trademark, Copyright and Restriction
This site is controlled and operated by SaveDesk. All materials on this site, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights.
Material on Website is solely for Your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by e-mail or other electronic means and whether directly or indirectly and You must not assist any other person to do so.
Without the prior written consent of the owner, modification of the materials, use of the materials on any other website or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited. Any use for which You receive any remuneration, whether in money or otherwise, is a commercial use for the purposes of this clause.
Trademark complaint
SaveDesk respects the intellectual property of others. In case You feel that Your Trademark has been infringed, You can write to SaveDesk at advisor@savedesk.co.
Product Description
At SaveDesk we do not warrant that Product description or other content of this Website is accurate, complete, reliable, current, or error-free and assumes no liability in this regard.
Limitation of Liability
IN NO EVENT SHALL SAVEDESK BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THESE TERMS OF USE, EVEN IF USER HAS BEEN INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.