You acknowledge and agree that BDF owns all legal rights, title and interest in and to the products and/ or services, including any intellectual property rights which subsist in the products and/ or services (whether those rights are registered or not, and wherever in the world those rights exist). You further acknowledge that the products and/ or services may contain information which is designated confidential by and that you shall not disclose such information without BDF's prior written consent. You may not copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the products and/ or services. You do not have the right to use any of BDF's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the products and/ or services. You will not copy or transmit any of the products and/ or services. 

Access to and use of this Website or Mobile application is subject to these ToU and our Privacy Policy. By accessing and using this Website or Mobile application you agree to be bound by and to act in accordance with these ToU and our Privacy Policy. If you do not agree to these ToU or our Privacy Policy, you are not permitted to access and use this Website or Mobile application and you should cease such access and/or use immediately. If you breach any term of these ToU, your right to access and use this Website or Mobile application shall cease immediately. We reserve the right to amend these ToU from time to time without notice by amending this page. The amended ToU will be effective from the date they are posted on this Website or Mobile application. As these ToU may be amended from time to time, you should check them regularly whenever you visit this Website or Mobile application. Your continued use of this Website or Mobile application will constitute your acceptance of the amended ToU.

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by BDF for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or this Website or Mobile application.

We provide an independent online service which enables you to research and compare and purchase financial and other products or services provided by third parties whilst using this Website or Mobile application. Our comparison service is free for you to use, however, you are responsible for obtaining access to this Website or Mobile application, and that access may involve third-party fees (such as Internet service provider or airtime charges). We also provide Mobile application service that can be accessed by Business Associates or you to refer a lead or a business associate. The app can be used to process an application, check scoreboard, earnings and status of the leads submitted. We receive fees and/or commissions from the third party product or service providers when you use our service to purchase products or services from them. We also provide an independent service which enables you to obtain advice and assistance offline (for example - by calling on the toll free number provided by this Website or Mobile application) after using this Website or Mobile application either from us or from a third party advisor in connection with certain financial and other products or services. We do not charge you any fees or commissions for this service, however, we may collect minimum fees and/or charges from you for certain specialized services or in case of certain special circumstances or otherwise, for which we will keep you informed well before collecting such fees and/or charges. By making use of this Website or Mobile application and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the services that you have selected. You hereby agree that BDF may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfil your demand. You also agree that BDF reserves the right to make your details available to any of our authorized members/ agents or partners and you may be contacted by them for information and for sales through email, telephone and/or SMS. You agree to receive promotional materials and/or special offers from BDF through email or SMS. If you disagree with this ToU, please do not use this Website or Mobile application. Please be aware that information provided on this Website or Mobile application is provided for general information purposes only and should not be relied upon by you and is provided so that you can select the product or service that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website or Mobile application, we suggest that you seek independent professional advice before you obtain any product or service via this Website or Mobile application. From time to time, this Website or Mobile application may also include links to other Website or Mobile application. These links are provided for your convenience to provide you with further information. We do not hold ourselves responsible for the content or accuracy or adequacy reliability of the linked website or Mobile application(s). This Website or Mobile application may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Website or Mobile application is accurate and complies with applicable laws. We will not be responsible for the illegality of or any error or inaccuracy in advertisers' or sponsors' materials. Please be aware that nothing on this Website or Mobile application is, or shall be deemed to constitute, an offer by us or any third party to sell to you any product or service or to enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted. You will receive confirmation when your offer has been accepted. We aim to provide uninterrupted access to this Website or Mobile application but we give no warranty as to the uninterrupted availability of this Website or Mobile application. We reserve the right to suspend, restrict or terminate your access to this Website or Mobile application at any time. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website or Mobile application and without notice from time to time. BDF shall not be responsible if any information/ database/ statement/page is printed/ downloaded from the Website or Mobile application and after printing/ downloading complete/partial, text/information is altered/ removed/ obscured.

You are only permitted to access and use this Website or Mobile application for your personal, non- commercial purposes, meaning this Website or Mobile application may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this Website or Mobile application other than for your personal, non-commercial purposes is strictly prohibited. Any unauthorized use by you or any illegal or unlawful activity by you in or for this Website or Mobile application shall terminate the permission or license granted to you by BDF to use this Website or Mobile application and may give rise to a claim for damages and/or be a considered criminal offence. You may operate a link to this Website or Mobile application provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this Website or Mobile application in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this Website or Mobile application at any time and we may withdraw any linking permission at any time.

The copyright in the information, content, material or data displayed on this Website or Mobile application belongs to us or our licensors or our licensees or authorized or permitted agents/members. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website or Mobile application for your own personal use but should not be used for any commercial purpose. This Website or Mbile application contains material which is owned by or licensed to us and are protected by copyright. This material includes, but is not limited to, data, documents, information, details, design, layout, appearance and graphics; logos, business names, trading names, service marks and trade-marks, internet domain names, moral rights, rights specifications, know how, processes and business methods; software programs (in all cases whether registered or unregistered and including all rights to apply for registration) and all such rights are reserved. Reproduction of any material of our Website or Mobile application is prohibited for any commercial use. Business Secret / Protection of Business Method:- You must not transmit, or input into the Website or Mobile application , any: files that may damage any other person's computing devices or software, content that may be offensive, or material or Data in violation of any law (including Data or other material protected by copyright or trade secrets/ business method on which you do not have the right to use);

We use reasonable endeavors to ensure that the data, material and information on this Website or Mobile application is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we are not able to guarantee that the data, material and information on this Website or Mobile application is accurate or that there are no errors or omissions in the data, material and information. The content products and/or services published on this Website or Mobile application or shared by any business associate(s) may include inaccuracies or errors, including pricing errors. We do not guarantee the accuracy of, and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services. All such information, software, products, and/or services are provided "AS IS" without warranty of any kind. We do not monitor, verify or endorse data, material and information submitted or provided by third parties which is included on the Website or Mobile application and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Website or Mobile application. We are not responsible for any data, material or information included on the Website or Mobile application which has been provided by third parties. We disclaim all warranties and conditions that this Website or Mobile application, its services or any email sent from BDF, its affiliates, and/or their respective suppliers/agents are free of viruses or other harmful components. BDF has provided information/data base on the Website or Mobile application on an "as is where is " basis. BDF expressly disclaims all warranties, express or implied, including, but not limiting to implied warranties of merchantability, fitness for a particular purpose and non-infringement. We are not responsible for any losses or damages arising from an inability to access the Website or Mobile application, from any use of the Website or Mobile application or from reliance on the data transmitted using the Website or Mobile application where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet. We are not responsible or liable for any direct and/or indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Website or Mobile application. Please be aware that by submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted. You will receive confirmation when your offer has been accepted. In case your offer for any product or service is rejected or in case your offer for any product or service is rejected even after acceptance for any reason, we are not responsible or liable for any losses or damages suffered or incurred by you in the process. However, we will take all endeavours to get you another best deal as per your requirement by sharing your details with other Financial Institutions or third party but again we are not liable or responsible if we are unable to provide you product or service as per your requirement. Some of our channels will provide you with access to third party Website or Mobile application who will host reviews about some of the products and/or services available. In some instances you may also be able to access user reviews directly on the Website or Mobile application. Regardless of whether you are transferred to a third parties Website or Mobile application or read a user review on the Website or Mobile application , the views expressed therein do not represent our views or the views of our associated companies and we are not responsible or liable for the accuracy or content of any such views or expressions. We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party Website or Mobile application or their reviews for any acts, omissions, errors or defaults of any third party in connection with their Website or Mobile application. You can apply for a number of products and/or services via this Website or Mobile application. These Services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or Mobile application or for any acts, omissions, errors or defaults of any third party in connection with that product or service. Please be aware that the information and descriptions of products and/ or services on this Website or Mobile application may not represent the complete descriptions of all the features and terms and conditions of those products and/ or services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it. If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions. Any links to third party Website or Mobile application are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products and/ or services, their Website or Mobile application or for any information, opinions or views given or advice provided by such third parties (whether on their Website or Mobile application s or otherwise). Your use of any third party Website or Mobile application will be governed by the terms and conditions of use and privacy policy applicable to that Website or Mobile application. Such terms and conditions of use and privacy policy will be different from these ToU and our Privacy Policy. It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any third party Website or Mobile application before using that Website or Mobile application. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any third party Website or Mobile application or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy. Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website or Mobile application do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party's views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance. BDF is not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any kind of our affiliates or any business associate(s) or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. BDF, and/orits affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense, omissions, delays or acts of any government or other authority. In no event shall BDF and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of, or in any way connected with, your access to, display of or use of this Website or Mobile application or with the delay or inability to access, display or use this Website or Mobile application (including, but not limited to, your reliance upon opinions appearing on this Website or Mobile application; any computer viruses, information, software, linked sites, products, and services obtained through these site; or otherwise arising out of the access to, display of or use of these sites) whether based on a theory of negligence, contract, tort, strict liability, or otherwise. Please be aware that whilst this Website or Mobile application provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website or Mobile application and which may be more appropriate or suitable for you than those shown on this Website or Mobile application.

You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or Mobile application or the Website or Mobile application of third parties or any other technology. You may complete a registration process as part of your use of this Website or Mobile application which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website or Mobile application using your username, password and/or other identification information. You must check and ensure that all information, content, material or data you provide on this Website or Mobile application is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur for any information provided or shared by any business associate(s) or if any information, content, material or data you provide on this Website or Mobile application is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. We do not accept any responsibility or liability for any loss or damage you may suffer or incur for any information provided or shared by any business associate(s) or if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts. You must get permission from any other person about whom you propose to provide information before you provide it. In submitting any other person's details, you are confirming to us that you have their permission to do so and that they understand how their details will be used. You are solely liable for any impersonation or fraud that you may commit while submitting any information on this Website or Mobile application and the resultant damage or injury that such impersonation or fraud may cause to us or to any third party. We, and such affected third parties shall have the rights to initiate such legal action against you as deemed fit. You undertake to comply with all laws, rules and regulations in force at all times during the subsistence of these terms within the territory of India and especially but not limited to those related to financial services, loans, securities, foreign exchange and taxes. You are solely responsible and liable for your conduct on this Website or Mobile application and for your user content.

You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense that we may suffer or incur arising out of or in connection with your conduct on this Website or Mobile application and/or your user content. You agree to indemnify us on demand for and hold BDF and its officers, directors, agents, subsidiaries, joint ventures, and employees harmless from any claims, causes of action, damages, losses, demands, liabilities, recoveries, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees arising out of or related to your breach of this ToU or arising out of your violation of any law or the rights of a third party, or your use/conduct on this Website or Mobile application .

Telephone calls that you may make to our customer service help lines may be monitored and/or recorded for training purposes. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision.

Our aim is at all times to provide you with an excellent service. If you are unhappy with our service for any reason or have complain or grievance of any kind, you can inform us about the same by sending an email on hello@rubique.com. We will aim to resolve your complaint as soon as possible and if we are not able to do so, we will provide you with an acknowledgement. After we have had an opportunity to investigate your concerns, we will issue you with a final response. If you remain dissatisfied with our response or in case of any kind of disputes, differences, controversies relating to or arising out of our products or services or acts or relating to the use of this Website or Mobile application all such disputes, differences and controversies shall be finally, exclusively and conclusively settled by the Arbitration in accordance with the Rules of Arbitration under the provisions of Arbitration and Conciliation Act, 1996 by appointing a sole arbitrator. The Arbitration shall be conducted in English Language and venue for such arbitration shall be Mumbai, India. The Award of Arbitral Tribunal shall be final and binding on the parties to the dispute. The cost of the Arbitration shall be borne by the respective parties. If you are unhappy with any service/act of a third party or have any complaint regarding any third party, you should address your complaint directly to that third party and we will not be responsible and answerable for such complaints/ grievances.

We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website or Mobile application, you agree to the way in which we process and deal with your personal information. We may disclose your personal information or access your account if required to do so by law, any court, any financial services authority, or any other applicable regulatory, compliance, governmental or law enforcement agency.

This Website or Mobile application is only intended for use by residents of India. We make no warranty or representation that any product or service referred to on this Website or Mobile application and/or any service we provide is available or otherwise appropriate for use outside India. If you choose to use this Website or Mobile application from locations outside India, you do so at your sole risk and you are responsible for compliance with all applicable local laws. If any provision of these ToU is held to be unlawful, invalid or unenforceable, that provision shall be deemed to be deleted from these ToU and the validity and enforceability of the remaining provisions of these ToU shall not be affected. These ToU constitute the entire agreement between you and us relating to your access to and use of this Website or Mobile application and supersedes any prior agreements (including any previous terms of use of this Website or Mobile application). No failure or delay by us in exercising any right under these ToU will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right. BDF makes no representations in relation to the products and/ or services contained on the Website or Mobile application for any purpose. BDF reserves the right to suspend the products and/ or services if in BDF’s opinion security of the Website or mobile application or of the data could be compromised. BDF may also suspend any products and/ or services on the Website or Mobile application for any customer at its sole discretion without assigning any reason whatsoever. In such event user may contact BDF office(s) for any clarification. BDF has offered services complimentary to the users (without any charge). However, BDF reserves the right to levy any service charges as applicable from time to time in consideration for the products and/ or services provided herein to the user. In case user is not consenting to any service charges then, user may opt out of the same.

If you have any concerns, complaints or grievances about other users or their manner of use of the Website/Mobile Application, including their use of the Website/Mobile Application in any manner to harass, abuse, stalk, bully, threaten, defame, impersonate, gamble, exhibit or transmit sexually explicit, pornographic, pedophilic content, promulgate hate speech, carry out illegal activities or otherwise infringe or violate your rights including any patent, copyright, trademark, trade secret or other proprietary rights, please feel free to contact the Grievance Officer any time. Language pertaining to posting indecent etc. content You agree that you will not use the Website/Mobile Application to post pornographic content or content that may be deemed offensive, indecent, or objectionable, which content may or may not be identified as having explicit language. Any fraudulent, abusive, misuse or otherwise illegal activity may be grounds for removal of such content and/or termination of your account our sole discretion. You further agree not to use the Website/Mobile Application in any manner to impersonate, exhibit or transmit sexually explicit, pornographic, pedophilic content, promulgate hate speech, carry out illegal activities or otherwise infringe or violate the rights of any person (including other users of the Website/Mobile Application and third parties, related or unrelated to the use of the Website/Mobile Application or the services provided through it) including any patent, copyright, trademark, trade secret or other proprietary rights of such persons. You also agree that the Website/Mobile Application is not in any way responsible for any such use by you, nor for any harassing, threatening, defamatory, offensive or illegal messages or transmissions that you may receive as a result of using the Website/Mobile Application.

Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.

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