1Agreement
Car Loan EMI ("the app") is developed and operated by Mitesh Soni ("we", "us"), based in India. These terms, together with our Privacy Policy, form the agreement between you and us. By downloading, accessing or using the app or the website at carloanemi.040484.xyz, you agree to them. If you don't agree, don't use the app.
2App store terms
If you got the app from Apple's App Store, Apple's Licensed Application End User License Agreement also applies. If you got it from Google Play, the Google Play Terms of Service also apply. Where they conflict with these terms on installation, licensing or refunds, the store's terms apply.
Apple and Google are not parties to these terms and aren't responsible for the app or its support. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.
3Not a lender, not advice
- We are not a bank, NBFC, lender, loan agent, broker, insurer or car dealer. We don't offer, arrange, approve or guarantee any loan, price or product.
- Interest rates shown are based on rates lenders have published. Your actual rate, fees and eligibility depend on the lender and your circumstances.
- Prices, taxes, registration charges and state rules change often and vary by variant, city and RTO.
- Nothing in the app is financial, tax, legal or investment advice, or a recommendation to buy, borrow or not.
You are solely responsible for your decisions. Always confirm figures with the dealer, the lender and the relevant authority before you pay, borrow or sign anything.
4Licence and acceptable use
We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the app for your own non-commercial purposes. All rights not expressly granted are reserved. You must not:
- copy, sell, sublicense or redistribute the app, or any part of it
- scrape, bulk-download, republish or commercially use data from the app or our server
- reverse-engineer, decompile or modify the app, except where the law expressly allows it
- interfere with or overload our server, get around security or rate limits, or access it other than through the app
- submit false, automated or someone else's details, or use the app for anything unlawful, fraudulent or harmful
We may suspend or block access, or ignore or delete requests, if we reasonably believe these terms have been broken.
5Requests, offers and partners
When you send a request, for example for a WhatsApp report, rate offers or a price alert, you confirm three things:
- you're 18 or older
- the number is yours
- you agree to be contacted about that request
We may pass your request to partner banks, NBFCs or dealers as described in the Privacy Policy. We don't guarantee that you'll receive any offer, approval or particular rate. Any offer, loan or purchase is solely between you and the partner, on the partner's terms. We aren't responsible for partners' products, decisions, conduct or communications.
We may receive fees or commissions from partners.
6Changes and availability
The app is currently free. We may change, suspend or discontinue the app, any feature or any data at any time, with or without notice. That includes adding paid features or ads. We don't guarantee the app, our server or any data will always be available, uninterrupted, accurate or error-free. We may correct errors at any time.
7Intellectual property and feedback
The app, the website and their code, design, text and calculations belong to us. Car makes, models, logos and photos, and lender names, belong to their respective owners. They're used only to identify the product, and their use doesn't mean anyone endorses us. See Copyright.
If you send us feedback or suggestions, we may use them freely, without any obligation to you.
8Disclaimer of warranties
The app, the website and all data are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied. This includes warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement.
9Limitation of liability
To the fullest extent permitted by law, we aren't liable for any indirect, incidental, special, consequential or punitive damages. We also aren't liable for any loss of money, profit, savings, data or opportunity. This includes any loss arising from:
- reliance on figures or information in the app
- any loan, purchase, payment or decision you make
- the acts or omissions of any partner or third party
Our total liability for all claims relating to the app or these terms is limited to the greater of the amount you paid us for the app in the 12 months before the claim, or ₹100. Nothing in these terms limits liability that can't be limited by law.
10Indemnity
You agree to compensate us for any claims, losses or costs, including reasonable legal fees, caused by your breach of these terms, your misuse of the app, or details you submit that aren't yours.
11Termination
You can stop using the app at any time by deleting it. We may end your access at any time if you break these terms. Sections 3 and 7 to 13 continue to apply after termination.
12Changes to these terms
We may update these terms at any time by posting the new version here. The date at the top shows the current version. By continuing to use the app after a change, you accept the updated terms.
13General
- Governing law: these terms are governed by the laws of India. Courts in India have exclusive jurisdiction over any dispute about them.
- Severability: if any part of these terms is found unenforceable, the rest stays in effect.
- No waiver: if we don't enforce a term, that doesn't mean we've given up the right to enforce it.
- Assignment: we may transfer these terms to a successor. You may not transfer them.
- Entire agreement: these terms and the Privacy Policy are the entire agreement between you and us about the app.
Contact: helpwithapps@mailbox.org