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Terms and Conditions

Welcome to www.krazybee.com.


These terms and conditions govern your use of the website, www.krazybee.com, content and services offered by Finnovation Tech Solutions Private Limited (“us”, “we”, or “Company”) through the website, KrazyBee Easy EMI for Students mobile application platform and/or any mobile or internet connected device or otherwise (“Website”). By visiting, availing services or browsing at Website you automatically have accepted these conditions.

Please read the term and conditions carefully. While using any current or future services offered by Website, whether or not included in the Website, you will abide by these Terms & Conditions the guidelines and conditions applicable to such service or business.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms & Conditions by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms & Conditions constitutes your acceptance of such changes.

 

TERMS AND CONDITIONS ARE BINDING FOR ALL PURCHASES

This Website operated by the Company is a marketplace which connects the retail consumers looking to purchase consumer products with the non-banking financial companies (“NBFC”) looking to finance such consumer durable loans and other related loans. The Company is not engaged in the business of extending loans to the consumers and all the terms of such loans being disbursed through the Website are governed by the loan agreements executed between the partner NBFCs and the consumers. The Company is also not engaged in the business of selling any goods or products on its Website. All products displayed on its Website are the products being sold on other third party websites being sold by the sellers of such websites.


Company is the technology partner to its NBFC partners and provides the KrazyBee technology platform, which allows you to buy goods or services offered by online e-commerce merchants and e-wallets with whom Company partners. At no point is Company representing itself as a lending company or engaged in any financial services. Please refer to your loan agreement for details on your contract with the Financing Partner.


Any loans being processed through the Website are approved at the sole discretion of the NBFC partner of the Company (“Financing Partner”). Company may, under the instructions of the Financing Partner, also cancel your transactions at any time before a merchant delivers any goods or services if you violate any term of these Terms and Conditions or the agreement executed with Financing Partner (“Loan Agreement”).


You agree to allow Company, on behalf of the Financing Partner, to send you payment reminders from time-to-time. You also agree that if you fail to pay an amount owed to the Financing Partner, pursuant to this Agreement or the Loan Agreement, Company may engage in collection efforts to recover such amounts from you on behalf of the Financing Partner.

 

PRIVACY POLICY

Please review our Privacy Policy, which also governs your visit to Website, to fully understand our privacy practices.

 

ELECTRONIC COMMUNICATION

When you visit Website or send e-mails to us, you are communicating with us electronically. By communicating with us, you consent to receive communication from us electronically. We will communicate with you by e-mail or by posting notices on our website, via SMS, WhatsApp or any other mode of electronic communication. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing.


You hereby express your intent to know through telephonic calls, or SMS on your mobile number mentioned in the application form, as well as in this undertaking, or through any other communication mode, various Company offer schemes or promotional schemes, or any other promotional schemes and hereby authorize Company and its employee, agent, associate to do so. You confirm that laws in relation to the unsolicited communication referred in “National Do Not Call Registry” (the “NDNC Registry”) as laid down by Telecom Regulatory Authority of India will not be applicable for such communication/calls/SMS received from Company, its employees, agents and/or associates.

 

PROHIBITED USE

As a condition of your use of the Website, you will not use the Website for any purpose that is unlawful or prohibited by these Terms & Conditions or by any domestic or international laws, statues, ordinances and regulations. Your use of the Website is your responsibility.


You shall not, display, upload, modify, publish, transmit, update or share any information on the Website, that –

 

Belongs to another person and to which you do not have any right

 

Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, 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

 

Involves the transmission of "junk mail", "chain letters", or unsolicited mass mailing or "spamming" or unsolicited commercial advertisement

 

Harms minors in any way

 

Infringes any patent, trademark, copyright or other proprietary rights

 

Violates any law for the time being in force

 

Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature

 

Impersonates another person

 

Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.

 

PRICES

All prices for the products sold on the websites of our e-commerce partners which are posted on this Website are subject to change without notice by the relevant sellers of such products. The selling price is provided on the Website on 'as is' basis as provided by the relevant seller and Company. However, while purchasing a product, the price prevailing at commencement of placing the order will apply. Posted prices include all taxes and charges. However, this does not include any additional delivery charges that the e-commerce vendors may charge in respect of the delivery of the products. This information can be obtained from the partner website from where you have initiated the order request. The product’s price that the customer needs to pay is the price in the partner website at the time of down payment of the product and NOT the time when the order was placed.


Company will not, at any point of time during any transaction between you and the relevant seller of products sold on the websites of our e-commerce partners, come into or take possession of any of the such products offered by such seller, nor does it, at any point, gain title to or have any rights or claims over the products offered by such sellers.

 

PAYMENT

Any down payment required to be made by you shall be as per the discretion of the Financing Partner and shall be governed by the terms of disbursement of the loan agreed between Financing Partner and you. Any communication to the seller of the products will be made by the Company only upon receipt of specific instruction by the Financing Partner with respect to the order being placed by you.

 

RETURNS & REFUNDS

Returns/refunds for delivered products are subject to the discretion of the e-commerce partner and as per their returns policy. If there is no return allowed by the e-commerce partner, then no return of the loan product will be allowed. However, the liability of the loan is that of the product owner's only.


Any recharge done or gift card issued by the e-commerce partner will be governed by the refunds policy of the partner. You are advised to read the terms and conditions on the website of such partner. This includes cases where the customer has given the wrong email or phone number. The product owner holds the responsibility to provide right information to the Company to ensure that the order fulfilment is done appropriately.


If the product has not been delivered, refunds are possible. However, there will be loan cancellation fees of 5% of the loan amount that will be deducted by the Financing Partner on the refund amount.

 

REPLACEMENTS

If the product delivered from the e-commerce partner is found to be defective or not as per expectations, replacement requests for the same shall be entertained only if they satisfy the e-commerce partner Replacement Policy.

 

LICENSE AND WEBSITE ACCESS

Website grants you a limited license to access and make personal use of this website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Website.


No license for commercial sale: This license does not include any resale or commercial use of this Website or its content; any collection and use of any product listing, description, or pricing; copying of account information for the benefit of another merchant; or any use of data mining, or similar data gathering and extraction tools.


No framing: You may not frame or utilize framing technologies to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Website and its affiliates without the express written consent.

 

REPRESENTATIONS, WARRANTIES AND UNDERTAKINGS

You represent that you are above 18 years of age and this Agreement is a legal, valid and binding obligation on you, enforceable against you in accordance with its terms. 


You agree to use the Services only for purposes that are permitted by:
(i) this Agreement; and,
(ii) any applicable law. 



You understand that Company does not provide any warranties for its Services and shall not be made liable for any claims made by you or any third party, and in this regard, you undertake to accept and be solely liable for the Services availed by you from Company. The Company Services are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.


You undertake to indemnify and hold harmless Company, its affiliates and their respective directors, officers, employees, agents and representatives against all damages suffered or losses incurred by Company arising due to any act, omission or claim initiated by you or any third party in relation to the Services availed by the you.

 

CREDIT INVESTIGATION AND REPORTING

By using the platform www.krazybee.com, you give Company, on behalf of the Financing Partner, permission to investigate your credit record and obtain your credit report in connection with the review of your application for credit. A credit report may also be requested in connection with a credit extension, credit limit request, account renewal, account collection action or dispute investigation. You understand that Company may report negative information (such as late payments, missed payments, or other defaults) about your account to credit reporting agencies.

 

ENQUIRY

You hereby authorize Company, on behalf of the Financing Partner, to make any enquiries with any other finance company / bank / registered credit bureau regarding your credit history with them.


By using the Website or Services, you authorize Company, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with our Privacy Policy. This may include asking you for further information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address or financial instruments, or verifying your information against third party databases or through other sources. We may also ask you for identifying documents to help us validate your identity. Company reserves the right to close, suspend, or limit access to your account and/or the Services in the event we are unable to obtain or verify this information.


You agree to provide unconditional and absolute consent to Company to use and share the information provided by you in relation to the Services. Company shall take all reasonable steps to ensure that the information received from you is secure, and is accessible only to the relevant persons.

 

LIABILITY

Company shall not be responsible or liable in any manner to the users and/or visitors for any losses, damage, injuries or expenses incurred by the users as a result of the services or any disclosures made by Company and the users agree not to hold Company responsible or liable in any way for any disclosures made by Company. The services provided are provided "as is," and without any warranties or conditions (express or implied, including the implied warranties of merchantability, accuracy, fitness for a particular purpose, title and non-infringement, arising by statute or otherwise in law or from a course of dealing or usage or trade). Company does not verify any content or information provided by the lending institution or the users on the website and to the fullest extent permitted by law, disclaims all liability arising out of the users use or reliance upon the website, the services, the website’s content, representations and warranties made by Company or any opinion or suggestion given or expressed by Company.

 

TAKEDOWN POLICY

If you believe that there is any content available on the Website which is contrary to Company's policies or applicable law, then please notify to the Grievance Officer at the email ID provided in the Privacy Policy. When you send such notice, please ensure that your notification contains the following details:


Your name, email ID, phone number and postal address;

The exact nature of the objectionable content and the exact location (including the relevant web page) where it appears;

Why you consider the content to be objectionable.


We will evaluate the contents of the notice and may take such action as we deem appropriate in keeping with our policies and applicable law which may include, asking further details from you or taking down the content that was the subject matter of your notice.

 

FREE GIFT TERMS & CONDITIONS

Company will not be liable for any loss or damage whatsoever which is suffered (including but not limited to direct or consequential loss), or for personal injury suffered or sustained, to the customer as a result of taking the gift. All free gifts are subject to availability, non-transferable, non-replaceable and there are no cash alternatives. Company reserves the right to replace any free gift (in whole or in part), with any other free gift of similar value, in the event of difficulties outside its control in obtaining the free gifts offered, in particular, in the event of supply shortages whether or not temporary.

 

THIRD PARTY MATERIALS

Certain content, products and services available via Company Service may include materials from third parties.


Third-party links on this site may direct you to third party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third party materials or websites, or for any other materials, products, or services of third parties.


Linked sites are not under the control of Company and Company is not responsible for the contents of any linked site or any link contained in a linked site. Company provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Company. Any offsite dealings with such third parties is at your own risk. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third party websites. Please review carefully the third party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.

Whom can I contact for issues related to PayCard?

You can drop us a mail at care@krazybee.com or call us at 080 39236161 for faster resolution Alternatively, you can reach out to YesBank at krazybee.suport@yesbank.in or 1800 3000 1113

 

DISPUTES

In the event that the Company receives any notice or communication from the customer pertaining to any dispute concerning the gift cards, the Company will forward the same to the relevant e-commerce partner. The Company will not be involved in any further inquiry or resolution of the dispute in terms of the gift cards, as this will be handled solely by the e-commerce partner to whom such notice or communication is forwarded. For further information regarding the same, please refer to the website of the relevant e-commerce partner. All disputes on delivery of any product shall be governed by the terms of the delivery as agreed between the seller of the product and you.


These Terms & Conditions and any separate agreements whereby we provide you any services shall be governed by and construed in accordance with the laws of India and jurisdiction of Bangalore, Karnataka.


You agree to indemnify, defend and hold harmless Company and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms & Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

 

MISCELLANEOUS

We may in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms & Conditions.

 

GENERAL

Any failure by us to exercise or enforce any right or provision of these Terms & Conditions shall not constitute a waiver of such right or provision. These Terms & Conditions and any policies or operating rules posted by us on the Website or in respect to Company Service constitutes the entire agreement and understanding between you and us and govern your use of Company Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms & Conditions). In the event that any provision of these Terms & Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms & Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions. Any ambiguities in the interpretation of these Terms & Conditions shall not be construed against the drafting party.