Attention: This Platform is managed by NJ Capital Private Limited, (hereinafter referred to as "NJC"), an RBI licensed Non-Banking Finance Company in the business of, inter alia, providing consumer finance / easy credit loans for retail customers to purchase Approved Products from Approved Merchants . The Platform has been created to enable the retail customers ( “User”) to select from the displayed products/services, manufactured/ sold by independent third party vendors, make the neccessary down payment and execute the neccesary Loan Documents (“Facility Documents”) by the User.
NJC is not the seller of the products/ services displayed herein and shall not be responsible for delivery, product quality, warranty, installation and after sales service of the products/ services purchased on this platform. The responsibility of all the above will be with the respective vendors.
Please read the below conditions carefully before placing an order for any products with the Sellers on the Platform. These acceptance of the below conditions signify your agreement to be bound by these conditions.
NJ Capital Private Ltd. - Terms of Use
This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is 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 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of domain name [www.njemistore.com], including the related mobile site and mobile application (hereinafter referred to as “Platform”)
The Platform is managed by NJ Capital Private Limited a company incorporated under the Companies Act, 1956 with its registered office at Block No 501, 2nd Floor, C Tower, Udhna Udyognagar Sangh Commercial Complex, Central Road No. 10, Udhna, Surat-394210. (hereinafter referred to as "NJC"). NJC is an RBI licensed Non-Banking Finance Company and is in the business of, inter alia, providing consumer finance / easy credit loans for retail customers to purchase Approved Products from Approved Merchants . The Platform has been created to enable the retail customers ( “User”) to select from the products/services displayed, make the neccessary down payment and execute the neccesary Loan Documents (“Facility Documents”) by the User.
The capitalized terms used but not specifically defined herein shall have the respective meanings ascribed to them under the Facility Documents.
Your use of the Platform and services and tools are governed by the following terms and conditions ("Terms of Use") as applicable to the Platform including the applicable policies which are incorporated herein by way of reference. If You transact on the Platform, You shall be subject to the policies that are applicable to the Platform for such transaction. By mere use of the Platform, You shall be contracting with NJ Capital Private Ltd. and these terms and conditions including the policies constitute Your binding obligations, with NJC. For the purpose of these Terms of Use, wherever the context so requires "You"or "User" shall mean any natural or legal person who has agreed to become a buyer on the Platform. The term "We", "Us", "Our", “NJC” shall mean NJ Capital Private Limited.
When You use any of the services provided by Us through the Platform, You will be subject to the rules, guidelines, policies, terms, and conditions applicable to such service, and they shall be deemed to be incorporated into this Terms of Use and shall be considered as part and parcel of this Terms of Use. We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of the Platform following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Platform.
ACCESSING, BROWSING OR OTHERWISE USING THE SITE INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING.
By impliedly or expressly accepting these Terms of Use, You also accept and agree to be bound by NJC Policies ((including but not limited to Privacy Policy available at Privacy) as amended from time to time.
1.Membership Eligibility
Transaction on the Platform can be executed only by the User who is interested in purchasing Approved Products by availing Loans from NJC and has access to NJ E-wealth, a Digital Platform, used by NJC to enable loan application, sanctioning and servicing of Loans.
2.Your Account and Registration Obligations
If you use the website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer to prevent unauthorised access to your account. You agree to accept responsibility for all activities that occur under your account or password. You should take all necessary steps to ensure that the password / PIN/OTP required to consumate a transaction is kept confidential and secure and You should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner.
You agree that NJC shall not be liable or responsible for the activities or consequences of use or misuse of any information that occurs under your Account in cases, including, where You have failed to maintain confidentiallity of Your Password / OTP/ PIN etc.
3.Licence for website access
Subject to your compliance with these Conditions of Use and payment of applicable fees, if any, NJC grants you a limited licence to access and make personal use of this website, but not to download (other than page caching) or modify it, or any portion of it, except with express written consent of NJC and / or its affiliates, as may be applicable. This licence does not include any resale or commercial use of this website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools.
This website or any portion of this website (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose without express written consent of NJC.
4.Privacy
We store and process Your Information including any sensitive financial information collected (as defined under the Information Technology Act, 2000), if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with Information Technology Act 2000 and Rules there under.Our current Privacy Policy is available at Privacy. If the User objects to their Information being transferred or used in this way please do not use Platform. The Loan information shall also be shared with CIC's like CIBIL in accordance with regulatory requirements.
We may further share personal information with other corporate entities and our affiliates. These entities and affiliates may market to you as a result of such sharing unless you explicitly opt-out.
We may disclose personal information to third parties. This disclosure may be required for us to provide you access to our Services, to comply with our legal obligations, to enforce our User Agreement, to facilitate our marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to our Services. We do not disclose your personal information to third parties for their marketing and advertising purposes without your explicit consent.
We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.
5.Payments
While availing any of the payment method/s available on the Platform, we will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to You due to:
i. Lack of authorization for any transaction/s,
ii. Exceeding the preset limit mutually agreed by You and between "Bank/s",
iii. Any payment issues arising out of the transaction,
iv. Decline of transaction for any other reason/s,
v. All payments made against the purchases/services on Platform by you shall be compulsorily in Indian Rupees acceptable in the Republic of India. Platform will not facilitate transaction with respect to any other form of currency with respect to the purchases made on Platform.
vi .NJC reserves the right to impose limits on the number of Transactions or Transaction Price which NJC may receive from on an individual Valid Debit/ Valid Bank Account/ and such other infrastructure or any other financial instrument directly or indirectly through payment aggregator or through any such facility authorized by Reserve Bank of India to provide enabling support facility for collection and remittance of payment or by an individual Buyer during any time period, and reserves the right to refuse to process Transactions exceeding such limit.
vii. All valid Debit Card and payment through other payment gateways shall be governed by the terms and conditions agreed to between the Buyer and the respective Issuing Bank and payment instrument issuing company.
viii. All online Bank Transfers from Valid Bank Accounts are processed using the gateway provided by the respective Issuing Bank which support Payment Facility to provide these services to the Users. All such Online Bank Transfers on Payment Facility are also governed by the terms and conditions agreed to between Buyer and the respective Issuing Bank.
ix. NJC may delay notifying the payment confirmation i.e. informing Seller to Dispatch, if NJC deems suspicious or for Buyers conducting high transaction volumes to ensure safety of the Transaction and Transaction Price. In addition, NJC may hold Transaction Price and NJC may not inform Seller to Dispatch or remit Transaction Price to law enforcement officials (instead of refunding the same to Buyer) at the request of law enforcement officials or in the event the Buyer is engaged in any form of illegal activity.
6.Platform for purchase of Approved Products on Credit
You agree, understand and acknowledge that the Platform enables you to purchase products listed on the website at the price indicated therein at any time from any location, by availing Loans available from NJC. You further agree and acknowledge that NJC is only a facilitator and is not and cannot be a party to or control in any manner any transactions on the website. Accordingly, the contract of sale of products on the website shall be a strictly bipartite contract between you and the sellers on the Platform while the contract for Loan availed to purchase the product is availed from .
7.Disclaimer of Warranties and Liability
We will do our utmost to ensure that availability of the Platform will be uninterrupted and that transmissions will be error-free. However, due to the nature of the Internet, this cannot be guaranteed. Also, your access to the website may also be occasionally suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or services at any time without prior notice. We will attempt to limit the frequency and duration of any such suspension or restriction. This Platform, all the materials and products (including but not limited to software) and services, included on or otherwise made available to You through this site are provided on "as is" and "as available" basis without any representation or warranties, express or implied except otherwise specified in writing. Without prejudice to the forgoing paragraph, NJC does not warrant that:
- This Platform will be constantly available, or available at all; or
- The information on this Platform is complete, true, accurate or non-misleading.
- NJC will not be liable to You in any way or in relation to the Contents of, or use of, or otherwise in connection with, the Platform. NJC does not warrant that this site; information, Content, materials, product (including software) or services included on or otherwise made available to You through the Platform; their servers; or electronic communication sent from Us are free of viruses or other harmful components.
- Nothing on Platform constitutes, or is meant to constitute, advice of any kind. All the Products sold on Platform are governed by different state laws and if Seller is unable to deliver such Products due to implications of different state laws, Seller will return or will give credit for the amount (if any) received in advance by Seller as per the specific terms of the Facility Agreements and the terms of sale.
8.Indemnity
You shall indemnify and hold harmless NJC, its subsidiaries, affiliates and their respective officers, directors, agents and employees, from any claim or demand, or actions including reasonable attorney's fees, made by any third party or penalty imposed due to or arising out of your breach of these Conditions of Use or any document incorporated by reference, or your violation of any law, rules, regulations or the rights of a third party.
You hereby expressly release NJC and/or its affiliates and/or any of its officers and representatives from any cost, damage, liability or other consequence of any of the actions/inactions of the vendors and specifically waiver any claims or demands that you may have in this behalf under any statute, contract or otherwise.
9.Your Conduct
You must not use the platform in any way that causes, or is likely to cause, the website or access to it to be interrupted, damaged or impaired in any way You understand that you, and not NJC, are responsible for all electronic communications and content sent from your computer to us and you must use the website for lawful purposes only. You must not use the website for any of the following:
- for fraudulent purposes, or in connection with a criminal offense or other unlawful activity
- to send, use or reuse any material that does not belong to you; or is illegal, offensive (including but not limited to material that is sexually explicit content or which promotes racism, bigotry, hatred or physical harm), deceptive, misleading, abusive, indecent, harassing, blasphemous, defamatory, libelous, obscene, pornographic, pedophilic or menacing; ethnically objectionable, disparaging or in breach of copyright, trademark, confidentiality, privacy or any other proprietary information or right; or is otherwise injurious to third parties; or relates to or promotes money laundering or gambling; or is harmful to minors in any way; or impersonates another person; or threatens the unity, integrity, security or sovereignty of India or friendly relations with foreign States; or objectionable or otherwise unlawful in any manner whatsoever; or which consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any "spam
- to cause annoyance, inconvenience or needless anxiety
10.Waiver
If you breach these conditions and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these conditions.
11.Alteration of Service or Amendements to the Conditions
We reserve the right to make changes to our website, policies, and these Conditions of Use at any time. You will be subject to the policies and Conditions of Use in force at the time that you use the website or that you order goods from us, unless any change to those policies or these conditions is required to be made by law or government authority (in which case it will apply to orders previously placed by you). If any of these conditions is deemed invalid, void, or for any reason unenforceable, that condition will be deemed severable and will not affect the validity and enforceability of any remaining condition.
12.Governing Law & Jurisdiction
These conditions are governed by and construed in accordance with the laws of India. You agree, as we do, to submit to the exclusive jurisdiction of the courts at Surat.
13.Limitation of Liability
In no event shall NJC be liable for any special, incidental, indirect or consequential damages of any kind in connection with these terms of use, even if User has been informed in advance of the possibility of such damages.
14.Jurisdictional Issues/Sale in India Only
Unless otherwise specified, the material on the Platform is presented solely for the purpose of sale in India. NJC make no representation that materials in the Platform are appropriate or available for use in other locations/Countries other than India. Those who choose to access this site from other locations/Countries other than India do so on their own initiative and NJC is not responsible for supply of products/refund for the products ordered from other locations/Countries other than India, compliance with local laws, if and to the extent local laws are applicable.
15.Communications
Should you require to be contacted, You will be contacted on the registered phone number and/or email provided in the Facility Documents. You consent to be contacted by Us via phone calls, SMS notifications, mobile applications and/or any other electronic mode of communication in case of any order or shipment or delivery related updates. We will not use your personal information to initiate any promotional phone calls or SMS.
16.Notice and Procedure for Notifying NJC of Objectionable Content
If you believe that any content on, or advertised for sale on, the website contains any Objectionable Content, please notify us immediately by sending in a signed copy via E-mail PDF or Fax to the Grievance Officer:
Name:
e-mail : grievance.nbfc@njcapital.
Subject Line: Claim-Objectionable Content -https://njemistore.com
Please note that this procedure is exclusively for notifying NJC of Objectionable Content on or advertised for sale on the NJC website. Please provide your address, telephone number, and e-mail address when sending the notice to us.
Important Warning: Giving false, misleading or inaccurate information in the Notice to NJC may result in civil and/ or criminal liability.