Terms of use

This Agreement sets forth the terms and conditions that apply to the access and use of the Website "finance.livanity.com" and/or its Mobile Application (collectively be referred to as "Website"), which is managed and operated by Livanity Financial Services, (hereinafter collectively be referred to as "Livanity Financial Services"/ "LFS"), established under the laws of India.

This document/agreement (referred to as "Agreement") is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011, that provides for the due diligence to be exercised for the access or usage of this Website.

By accessing this Website or registering your information on the Website, the users (hereinafter referred to as "you" or "your") agree to be bound by this Terms of Use ("TOU"). This Agreement along with Privacy Policy and Disclaimer describes Livanity Financial Services relationship with you will be subject to the rules, guidelines, policies, terms, and conditions applicable to any specific Service that is provided by this Website and they shall be deemed to be incorporated into this TOU and shall be considered as part and parcel of this TOU.

Be sure to return to this page periodically to review the most current version of the TOU. We reserve the right at any time, at Livanity Financial Services sole discretion, to change or otherwise modify the TOU without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified by TOU. We recommend you print out a copy of these terms and conditions for your future reference.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ACCEPTANCE OF TERMS CONTAINED HEREIN CONSTITUTES THE AGREEMENT BETWEEN YOU AND THE LIVANITY FINANCIAL SERVICES FOR THE PURPOSE AS DEFINDED HEREUNDER.

Description and acceptance of services

By using Livanity Financial Services products, software, services and websites, hereby offers you with access to information primarily about certain financial products/services including, but not restricted, to loan facility, credit cards facility, credit facility services (referred to collectively as the "Services"). In addition, Livanity Financial Services may provide third party services including but not limited to credit check services, and any other services to retrieve and use your information through third party sites (eg. bank sites, cibil etc.) in conjunction with your selection of the Services ("ancillary services"). The above said Services and ancillary services are provided on a commercially reasonably effort basis and you agree that your participation for availing the above mentioned services is purely at your will and consent.

You understand and agree that Livanity Financial Services will treat your use of the Services as acceptance of these terms and conditions ("Terms") from that point onwards. In order to use the Services, you must first agree to the Terms. You may not use the Services if you do not accept the Terms. Your continued usage of the Services and ancillary services from time to time would also constitute acceptance of the TOU including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.

You agree to receive communications through emails, telephone and/or SMS, from the Livanity Financial Services or its third party vendors/business partners/ marketing affiliates regarding the Services/ancillary services updates, information/promotional emails and/or product announcements. In this context, you agree and consent to receive all communications at the mobile number and email addresses provided by you, even if this mobile number is registered under DND/NCPR list under TRAI regulations.

Livanity Financial Services will retain and use your information as necessary to comply with Livanity Financial Services legal obligations, resolve disputes and enforce Livanity Financial Services agreements entered into for providing Services and ancillary services.

Proprietary rights

You acknowledge and agree that Livanity Financial Services owns all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights are registered or not, and wherever in the world and/or universe those rights exist). You further acknowledge that the Services may contain information which is designated confidential by Livanity Financial Services and that you shall not disclose such information without Livanity Financial Services 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 Services. You do not have the right to use any of Livanity Financial Services 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 Services. You will not copy or transmit any of the Services.

License and usage of website or website access

You acknowledge and agree that Livanity Financial Services owns all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights are registered or not). You further acknowledge that the Services may contain information which is designated confidential by Livanity Financial Services and that you shall not disclose such information without Livanity Financial Services prior written consent. The contents of the Website, including its "look and feel" (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are the owned/licensed by/to Livanity Financial Services and/or its third Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws.

Livanity Financial Services grants you a limited license to access and make use of the Website, the Services and ancillary services. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party or to 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 Services. Any unauthorized use by you shall terminate the permission or license granted to you.

By using the Website you agree not to: (i) use the Website or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of the Website using any robot, spider, scraper, or other automated means or any manual process for any purpose without Livanity Financial Services express written permission; (iv) violate the restrictions in any robot exclusion headers on this Website or bypass or restrict or circumvent other measures employed to prevent or limit access to the Website; (v) take any action that imposes, or may impose, in Livanity Financial Services discretion, an unreasonable or disproportionately large load on Livanity Financial Services infrastructure; (vi) deep-link to any portion of the Website (including, without limitation, the purchase path for any service) for any purpose without Livanity Financial Services express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Website into any other website without Livanity Financial Services prior written authorization.

You may only use the Website to search for and to apply for financial products including but not limited to loans, credit cards etc. offered by various financial institutes including banks and/or RBI (Reserved Bank of India) registered Non-banking Financial Companies (referred to collectively as the "NBFCs".), and you may not use the Website to make any fraudulent applications. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Livanity Financial Services running the Website in India, so remember that by using the Website, we need you to agree to comply with laws that apply to India and your own country, including laws that apply to exporting technical data. We may, at Livanity Financial Services sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.

Privacy Policy

By using the Website, you hereby consent to the use of your information as we have outlined in Livanity Financial Services Privacy Policy. This Privacy Policy explains how Livanity Financial Services treats your personal information when you access the Website and use other ancillary Services.

Livanity Financial Services partners

Livanity Financial Services display on or through the website of loan, and credit card product options offered by third parties does not in any way imply, suggest, or constitute any sponsorship, recommendation or approval of Livanity Financial Services of any such third parties or their products. Livanity Financial Services does not, through its Website displays, content or in any other manner, provide any recommendation, opinion or advice and/or offer to you on the third parties or their loan or credit card products. You agree that Livanity Financial Services is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and Livanity Financial Services will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

Your registration / account

The Website is intended for personal, non-commercial use. Only register to become a member of the Website if you are of sufficient legal age and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).

In consideration of your use of the Website and registering with us, made on their behalf (including all rules and restrictions applicable you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Website to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about the TOU and/or Privacy Policy) that apply to the purchase you have thereto).

You agree and understand that you are solely responsible for maintaining the confidentiality of your password which, together with your Login ID (as may be applicable in accordance with the Service selected), allows you to access the Service. That Login ID and password, together with any mobile number or other contact information you provide, form your ("Registration Information"). You agree that you are responsible for maintaining the confidentiality of your Login ID and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur through your account or password. Because of this, we strongly recommend that you exit/ logout from your account at the end of each session. You agree to notify Livanity Financial Services immediately of any unauthorized use of your account or any other breach of security. You further agree that Livanity Financial Services shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or access occurred solely due to reasons directly attributable to Livanity Financial Services.

You shall provide true, accurate, current and complete information about yourself and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services and ancillary services by or through Livanity Financial Services. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the Website or use of the Services and ancillary services. Additional terms and conditions will apply to your purchase of services that you select. Please read these additional terms and conditions carefully.

Client due diligence requirement

You agree and acknowledge that for undertaking any financial transaction through the website, Livanity Financial Services and/or its partner financial institutes banks and/or NBFCs may undertake client/customer due diligence measurers and seek mandatory information required for KYC purpose which as a customer you are obliged to give, while facilitating your request of loan/credit card and other financial product requirements with the banks/financial institutions, in accordance with applicable Prevention of Money Laundering Act (PMLA) and rules. Livanity Financial Services may obtain sufficient information to establish, to its satisfaction or the banks/financial institutions, the identity of each new customer/user, and to ascertain the purpose of the intended nature of relationship between you and the bank/NBFCs/financial institution. You agree and acknowledge that Livanity Financial Services can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to client due diligence requirements in line with the requirements and obligations under the applicable PMLA Act and rules.

Eligibility

You declare and confirm that you are a Citizen of India, above 18 (Eighteen) years of age, and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered by the Livanity Financial Services.

Submitted content

By sharing or submitting any content including any data and information on the Website, you agree that you shall be solely responsible for all content you post on the Website and Livanity Financial Services shall not be responsible for any content you make available on or through the Website. At Livanity Financial Services sole discretion, such content may be included in the Service and ancillary services (in whole or in part or in a modified form). With respect to such content you submit or make available on the Website, you grant Livanity Financial Services a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Website: (i) any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website.

Third party links / Offers

This Website may provide links to other websites or resources. Since the Livanity Financial Services has no control over such third party websites and resources, you acknowledge and agree that Livanity Financial Services is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Livanity Financial Services shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Your interaction with any third party accessed through the Website is at your own risk, and Livanity Financial Services will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

Site provided email and listings

The Site / Mobile Application may provide users with the ability to send email messages to other users and non-users and to post messages on the Site / Mobile Application. Livanity Financial Services is under no obligation to review any messages, information or content ("Postings") posted on the Site / Mobile Application by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Livanity Financial Services may from time to time monitor the Postings on the Site / Mobile Application and may decline to accept and/or remove any email or Postings. You understand and agree that you shall not to use any functionality provided by the Site / Mobile Application to post content or initiate communications or host, display, upload, modify, publish, transmit, store, update or share any information that contain: (i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law for the time being in force or is defamatory, obscene, pornographic, paedophilic, invasive of another privacy including bodily privacy, insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force; (ii) Advertisements or solicitations of any kind; (iii) Impersonate others or provide any kind of false information or belongs to another person and to which the user does not have any right; (iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.; (v) Messages by non-spokesperson employees of Livanity Financial Services purporting to speak on behalf of Livanity Financial Services or containing confidential information or expressing opinions concerning Livanity Financial Services; (vi) Messages that offer unauthorized downloads of any copyrighted or private information or infringes any patent, trademark, copyright or other proprietary rights; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; (ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message; (x) is harmful to child; (xi) deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact; (xii) impersonates another person; (xiii) 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 cognisable offence or prevents investigation of any offence or is insulting other nation; (xiv) contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; or (xv) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person. This prohibition includes but is not limited to a) Using Livanity Financial Services to send messages to people who don't know you or who are unlikely to recognize you as a known contact; b) Using Livanity Financial Services to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases

Disclaimer of warranty

You expressly understand and agree that your use of the Services, ancillary services and all information, products, other services and other content (including that of the third parties) included in or accessible from the Website is at your sole risk. The Services and ancillary services are provided on an "as is" and "as available" basis. Livanity Financial Services makes no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability or completeness of the content on the Website or of the services (whether or not sponsored by third party service providers), and expressly disclaims any warranties of non-infringement or fitness for a particular purpose.

The Livanity Financial Services expressly disclaim all warranties of any kind as to the Services, ancillary services and all information, products, services and other content (including that of the third parties) included in or accessible from the services, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Livanity Financial Services and its service providers, affiliates, business partners make no warranty that (i) the services will meet your requirements, (ii) the services will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the services will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the services will meet your expectations, and (v) any errors in the technology will be corrected.

Prices for Products or services available on Livanity Financial Services Website and are incorporated into this TOUs by reference. All prices, whether specified or not, are in Indian rupees. Prices, Products and Services are offered by the Livanity Financial Services business partners, and may change in accordance with the brand guidelines or other terms and conditions applicable to each of the business partners of Livanity Financial Services. In some cases Services and prices are offered by the Livanity Financial Services itself and it reserves the right to modify the use and prices of such Services. You further undertake that by initiating a transaction, you are entering into a legally binding and enforceable contract with these business partners of the Livanity Financial Services, to purchase the products or avail the services using such payment facilities as may be permitted by applicable laws and as may be accepted by the Livanity Financial Services.

The Livanity Financial Services does not charge any registration/membership or browsing fee. However, the Livanity Financial Services reserves the absolute right to charge any fee for registration/ membership or browsing fee at any time. All such fees that the Livanity Financial Services may charge will be intimated to the users and such change shall automatically become effective immediately after they are posted on the Website. All such fees charged by the Livanity Financial Services shall be in Indian Rupees. Your continued use of the Livanity Financial Services shall be deemed as an acceptance of the amended terms of the TOU.

The Livanity Financial Services may enter into agreements with third party payment gateway aggregators and financial institutions authorized by the Reserve Bank of India for collection, refund and remittance and to facilitate payment between you, Livanity Financial Services and its business partners, as the case may be. The Livanity Financial Services shall initiate the remittance of the payments made by you and the date of completion of transaction shall be after the products are delivered to you or after the Services are rendered to you and such other additional time as may be agreed between Website and its business partners, as the case may be.

While availing any of the payment method/s available on the Website, the Livanity Financial Services will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to you due to:
1. Lack of authorization for any transaction/s, or
2. Any payment issues arising out of the transaction, or
3. Illegitimacy of the payment methods (credit/debit card frauds etc.) being used by a you;
4. Decline of transaction for any other reason(s)

Notwithstanding anything contained herein, the Website reserves the right to conduct additional verification for security or other reasons if it is not satisfied with the creditability of you/your transaction.

Use of the payment facilities provided by the Website shall not render the Website liable or responsible for the non-delivery, non-receipt, non-payment, damage, breach of representations and warranties, non-provision of after sales or warranty services or fraud as regards the products or services listed on the Website. The Website shall not be responsible for any damages, interests or claims arising from not processing a transaction.

You hereby agree to provide accurate information, such as credit/debit information for purchasing any Service or product on or through the Website. You further warrant that you shall not use payment information or instrument that is not lawfully owned by you. In addition to this TOUs, the terms and conditions of the bank or other financial institution shall also be applicable to every user. The Website disclaims any liability arising out of declining of payment by such bank or financial institution.

Livanity Financial Services may in its sole discretion impose limits on the number of transaction which an individual holding a financial instrument may use for payment for products or services. Additionally, the Website reserves the right to refuse to process transactions exceeding such limit and transactions by you that have incurred questionable charges and amounts.

Livanity Financial Services is merely a facilitator for providing you with payment channels through automated online electronic payments (either itself or through its payment gateway service providers), cash on delivery, collection and remittance facility for the payment of products purchased by the User on the Website using the existing authorized banking infrastructure and credit card payment gateway networks (of either the Website or Service Providers).

Livanity Financial Services shall not be held responsible and shall bear no liability in case of failure or delay of delivering the products or services including any damage or loss caused to you due to such delay. No deliveries of the products/services shall be made outside the territorial boundaries of India.

Limitation of Liability

You expressly understand and agree that the Livanity Financial Services (including its subsidiaries, affiliates, proprietor, officers, employees, representatives and providers) shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, opportunity, goodwill, use, data or other intangible losses, even if Livanity Financial Services has been advised of the possibility of such damages, resulting from (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website or your downloading of any content from the Website.

Notwithstanding the above, if the Livanity Financial Services is found liable for any proven and actual loss or damage which arises out of or in any way connected with any of the occurrences described above, then you agree that the liability of Livanity Financial Services shall be restricted to, in the aggregate, any Service/transactional fees paid by you to the Livanity Financial Services in connection with such transaction(s)/ Services on this Website, if applicable.

The Livanity Financial Services has no control over the third party websites which would be provided to you through its Website. You acknowledge and agree that under no circumstance shall the Livanity Financial Services be liable for your using the services offered or provided by any third party service provider.

Livanity Financial Services (including its officers, proprietor, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website or your downloading of any content from the Website.

Indemnity

You agree to indemnify and hold Livanity Financial Services (and its affiliates, officers, proprietor, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this TOU, your violation of any law or the rights of a third party, or your use of the Website.

You shall not sue or otherwise make or present any demand or claim, and irrevocably, unconditionally and entirely release, waive and forever discharge the Livanity Financial Services, its officers, proprietor, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter "Release"), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses"), whatsoever, in law or equity, whether known or unknown, which you ever had, now have, or in the future may have against the Release with respect to the Services. You agree to defend, indemnify, and hold harmless the Release from and against any and all Losses resulting from claims made against the Livanity Financial Services by third parties arising from and in connection with this Authorization.

Additional terms

Livanity Financial Services reserves the right to make changes to the Website, related policies and agreements, this TOU and the Privacy Policy at any time as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services and ancillary services, Livanity Financial Services re-organization, market practice or customer requirements. Upon any change, Livanity Financial Services will notify the updated Terms on the Website or other means. Your continued use of the Services and ancillary services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the Services and ancillary Services.

Livanity Financial Services reserves the right to discontinue or suspend, temporarily or permanently, the Services including ancillary services, by giving reasonable time period notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website or maintain the security and integrity of the Services. You agree that Livanity Financial Services will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.

You agree not to use the Services and ancillary services for illegal purposes or for the transmission of material that is unlawful, harassing, libellous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of other.

Livanity Financial Services may, from time to time, announce certain offers with intent to promote its Website and/or Services/ ancillary services ("Promotional Offer/s"). The Promotional Offer(s) would always be governed by this TOU plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these TOU, to the extent they may be in conflict with these Terms. Livanity Financial Services reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

You may not assign or otherwise transfer your rights or obligations under these Terms. Livanity Financial Services may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. We may modify these Terms, at any time, by posting notice on the Website at least ten (10) days before any modification becomes effective. Usage of the Website following the posting of notice of any modification will be subject the Terms in effect at the time of your usage. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Website in any way, your only recourse is to immediately terminate use of the Website. Other terms and conditions may apply to loans, or credit cards that you applied for on the Website. You will observe these other terms and conditions. If any of these Terms is founded to unenforceable or invalid by a court, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will continue to remain valid and enforceable. These Terms, together with those agreements made a part of these Terms by reference, make up the entire agreement between Livanity Financial Services and you relating to your use of the Website, and replace any prior understandings or agreements (whether oral or written) regarding your use of the Website. The laws of the India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of them. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in Vadodara (Baroda), Gujarat, India. In any such action or any action we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.

Feedback

Your feedback makes use better, please feel free to share it with us. We will assume no responsibility for reviewing unsolicited ideas and will not incur any liability as a result of any similarities between those ideas and materials that may appear in future Livanity Financial Services programs. Please do not reveal trade secrets or other confidential information in your messages to Livanity Financial Services. Any and all rights to materials submitted to us become the exclusive property of Livanity Financial Services.

General

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavour to give effect to the parties intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. This TOU and the relationship between you and Livanity Financial Services will be governed by the laws of the India. In case of any contradiction or conflict between the laws of India and other jurisdictions, the laws of India shall prevail. Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by Livanity Financial Services and you, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event we are unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the two arbitrators. The venue for arbitration shall be Vadodara, Gujarat, India. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English. The Website specifically prohibits you from usage of any of its Services in countries or jurisdictions that do not corroborate to all stipulations of these Terms. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Vadodara having exclusive jurisdiction. The failure of Livanity Financial Services to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. This TOU constitutes the entire agreement between you and Livanity Financial Services and governs your use of the Website, superseding any prior agreements between you and Livanity Financial Services with respect to the Website.
Livanity Financial Services

Address: A 504, Rajnigandha Apartment. Bh Le City Center, Nr Court, Diwalipura, Vadodara, Gujarat, India. 390021.
Contact: 9537124124
Email: care.f @ livanity.com

If you have questions, concerns, or suggestions regarding Livanity Financial Services Privacy Policy, we can be reached using the contact information on Livanity Financial Services Contact Us page or at care.f@livanity.com or at +91 9537124124.

Last updated on 11-03-2025