Terms: The consumer/customer/borrower must read carefully the credit services, cibil services, credit recovery services, insurance, IPR services, certification services, Laisoning services, legal & valuation in banking and financial policy terms and conditions before signing of the application or filling the form, the www.cibl.in and principal Banker/NBFCs/CIBIL/Institutions/Government Bodies, the loan providers or service providers are neither responsible nor concerned about the choice of the packages or deals, since it is the sole responsibility of the consumer/customer/borrower only. Moreover, the consumer/customer/borrower cannot claim, under any circumstances, refund of the initial payments of advances towards service package booking or paid amount from www.cibl.in, while the www.cibl.in has nothing to do with the promises/ commitments made by staff, agents, DSA/ DMA/Franchisees/Channel Partners/Free Lancers/ Consultants/ Lead Connectors with regard to any service package-deal-discounts, offers and claims, any discounts, waivers and fraud of false commitments, frauds, document manipulation, discomfort/dissatisfactory services of deals etc., dealt with by the operator, agent, representative or any other middle man.
The all services process will take a minimum of six working days for internal credit process, credit services, cibil services, credit recovery services, insurance, IPR services, certification, Laisoning services, legal & valuation after receipt of a completely filled in application duly signed submitted, self attested KYC, credentials, financials, loan application form and self attested list of income documents being submitted to www.cibl.in. The relevant internal procedures i.e. log in documents, scrutinizing, verifications, CIBIL decent score check, fraud control check, risk control check, eligibility calculations, residence verification, employment verification, business verification and, after consequential sanction/ approval the fact of such a disbursement will be intimated to the beneficiary, after submission of post sanction documents. Then, the approved documents or certification will be delivered to the consumer/customer/borrower of beneficiary account; the all loans, the borrower should pay his/her monthly EMI to Banker/ NBFC by way of Post Dated Cheques/ Security Cheques/ ECS/ Standing Instructions/ Debit Mandate from his/ her Salary/Saving/Current Account. The all loan processing fee would be 2.00% on sanctioned loan amount. The all loan borrower can choose to repay the loan anytime after 12 months of availing the loan at a maximum pre-payment penalty of 4% of the principal outstanding, The rate of interest would be the banker’s discretion, based on the good profile of the borrower, good credit history, decent CIBIL score and excellent repayment track records.
By using the website and/or registering yourself with www.cibl.in, you authorize us & our associate partners to contact you via email, SMS or phone call and offer you the services for the any loan or services products you have opted for, imparting all above said services product knowledge, offer promotional offers running on website & offers offered by the associated channel partner third parties. And, Irrespective of the said fact, if you have also registered yourself under DND or DNC or NCPR service, you still authorize us to give you a call from the www.cibl.in & associate partners for the above mentioned purposes till 60 days of your registration with us.
This Privacy and Policy covers www.cibl.in treatment of personally identifiable information that www.cibl.in collects when you are on the www.cibl.in site, and when you use www.cibl.in’s services. This policy also covers www.cibl.in treatment of any personally identifiable information that www.cibl.in business partners share with www.cibl.in. This policy does not apply to the practices of companies that www.cibl.in does not own or control or to people that www.cibl.in does not employ or manage.
www.cibl.in collects personally identifiable information when you register for a www.cibl.in account, when you use certain www.cibl.in loan products or services, when you visit www.cibl.in pages, and when you enter promotions or sweepstakes. www.cibl.in may also receive personally identifiable information from our business partners. When you register with www.cibl.in, we ask for your first name, last name, state, city, email Id, contact number, birth date, and gender, employment/business details. Once you register with www.cibl.in and sign in to our services, you are not anonymous to us. Also during registration, you may be requested to register your mobile phone number and email id, pager, or other device to receive text messages, notifications, and other services to your wireless device. By registration, you authorize us to send sms/email alerts to you for your login details and any other service requirements or some advertising messages/emails from us.
Information Sharing and Disclosure:
www.cibl.in will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, www.cibl.in may sell and/or transfer your personally identifiable information to an affiliate and to any successor-in-interest as a result of a sale of any part of www.cibl.in’s business or upon the merger, reorganization or consolidation of www.cibl.in with another entity on a basis that www.cibl.in is not the surviving entity. For the purposes of this paragraph, "affiliate" means any person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with www.cibl.in. The term "control," as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this Privacy Policy, the term "person" includes any natural person, proprietor, corporation, partnership, private limited, limited liability Company, trust, club, society, unincorporated association or any other entity.
"If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any Personal Information Interaction that we have collected about you, please e-mail your request to www.cibl.in”
Party Advertising:
We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you. "We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major websites. No personally identifiable information is collected or used in this process. They do not know the name, phone number, address, email address, or any personally identifying information about the user."
"If you would like more information about this practice and to know your choices about not having this anonymous information used by our third party service provider, please click http://www.cibl.in You can also read more about online marketing practices and the technologies that support them by visiting the Network Advertising Initiatives website by clicking http://www.cibl.in“
Legal:
We strictly follow the norms of “non-disclosure agreement”. It is our Endeavour to ensure that the websites linked to us are safe and secure. However we have no control over 3rd party websites. Given our legal responsibilities to legal authorities and regulators, there may be situations when we need to share your information with legal authorities or processes or need to protect our right or comply by terms and conditions.
Other sites:
There might be affiliates or other sites linked to our web site. Personal information that you provide to those sites are not our property. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.
Privacy Policy Changes:
http://www.cibl.in may amend this policy from time to time, at our discretion. If we make any substantial changes in the way we use your personal information, we will notify to you by posting the changes here on these Privacy and Policy Pages.