All visitors who visit the CUMI and its Associate (collectively Company) company’s website or mobile application or existing and prospective customers including but not limited to Suppliers, Distributors, Dealers, Sub Dealers, other Vendors and internal customers (collectively Customers) providing information to Company are covered under this Policy.

In the course of using this website or application or availing the products and services vide the online or otherwise, the application forms or questionnaires etc., Company may become privy to the personal information including information that is of a confidential nature like contact number, details, nature, address details of its Customers and may use the same for various purposes including analyzing to provide value added service to clients. Company undertakes to obtain consent of its customers, wherever not available, before disclosure or transfer of information to third parties.

Company will limit the collection and use of customer information only on a need-toknow basis to deliver better service to the Customers. Company may use and share the information provided by the Customers with its Affiliates and third parties for providing services and any service-related activities such as collections, customer service and to notify or contact the Customers regarding any problems with, as services. In this regard, it may be necessary to disclose the customer information to one or more agents and contractors of Company and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from Company only for these purposes.

Company undertakes not to disclose the information provided by the Customers to any person, unless such action is necessary to:

• Conform to legal requirements or comply with legal process;
• Protect and defend Company or its Affiliates’ rights, interests or property
• Enforce the terms and conditions of the products or services
• Confirm the transaction details

The security of Your Personal Data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data using reasonable measures, We cannot guarantee its absolute security.

Company is strongly committed to protect the privacy of its Customers, and has taken all necessary and reasonable measures to protect the confidentiality of the Customers’ information and its transmission through the world wide web or otherwise and it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Commitment or in terms of the agreements, if any, with the Users.

The Users shall not disclose to any other person, in any manner whatsoever, any information relating to Company and Customers of a confidential nature obtained while availing the services through the website or App. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle Company to terminate the services, without prejudice to any damages, to which the User may be entitled otherwise.

We restrict access to personal information of the Customers and Users to our employees, contractors, and agents who need that information in order to process it. Anyone with this access is subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

We do not share information that personally identifies you with any third parties, or for any commercial use, such as your name or email, unless it requires for the purpose as contemplated below.

The User authorises Company, to exchange, share, part with all information related to the details and transaction history of the Users to its Associates / banks / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Company liable for use or disclosure of this information.

Access restriction:

We reserve the right to deny to you, at our sole discretion, access to the Web Site, including any portion thereof, without any prior notice.

Intellectual Property:

We grant you the right to access this Web Site in accordance with these terms and conditions, and for no other purpose. Please note that the Products/services and content on the Web Site, including but not limited to text, content, photographs, video, audio and graphics, are either the property of, or used with permission by, CUMI and may be protected by applicable copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of India and other countries. The trademarks, logos, slogans and service marks (collectively the “Trademarks”) displayed on the Web Site, are registered and unregistered Trademarks of CUMI and others. Nothing contained on the Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Web Site without the written permission of CUMI or such third party that may own the Trademarks displayed on the Web Site. Your misuse of the Trademarks displayed on the Web Site, or any other content on the Web Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that CUMI will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution. We shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to us, to protect our interests therein.

Software Available on the Web Site:

Software or information (if any) that is made available to download from this Web Site (“Software”) is the copyrighted work of CUMI and/or its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included in the Software. You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

Indemnification:

You agree, at your own expense, to indemnify, defend and hold harmless CUMI, its directors and employees, representatives, suppliers, Vendors and Advisors, against any claim, suit, action or other proceeding brought against CUMI,, its directors and employees, representatives, suppliers and as by a third party, to the extent that such claim, suit, action or other proceeding brought against CUMI, its directors and employees, representatives, suppliers and Advisors is based on or arises in connection with the use of this Web Site, or any links therein, including, but not limited to:

• Your use or someone else’s use of your access to the Web Site (in case of Vendor)
• A violation of the terms and conditions contained herein by you.
• A claim that any use of the Web Site by you or someone using your computer infringes any Intellectual Property Right of any third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party.
• Any deletions, additions, insertions or alterations to, or any unauthorized use of, the Web Site by you or someone using your computer
• Any misrepresentation or breach of representation or warranty contained herein made by you or
• Any breach of any covenant or agreement to be performed by you hereunder.

You agree to pay all costs, damages, and expenses, including, but not limited to, reasonable attorney’s fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

Disclaimer of warranties:

You expressly agree that use of the Web Site is at your sole risk. The Web Site is provided on an “AS IS” and ” AS AVAILABLE” basis.

Except as warranted in these Terms and Conditions, we expressly disclaim all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy & completeness, and any warranties relating to non-infringement.

We shall not be responsible or liable for the authenticity, accuracy, completeness, errors, omission, typographic errors, disruption, delay, interruption, failure, deletion, defect of any information, research, reports, analysis, quotes etc in this Web Site or any part there of.

We shall not incur any liability direct or indirect, to you or any third party, as a consequence of non-functioning of any equipment belonging to you, any third party or us. We shall not be responsible for any downtime of such equipment.

We do not warrant that access to the Web Site will be uninterrupted, timely, secure, or error free; nor do we make any warranty as to the results that may be obtained from the Web Site or as to the accuracy or reliability of the content contained therein.

We make no warranty regarding the transactions entered into through the Web Site. No advice or information, whether oral or written, obtained by you from or through the Web Site or any person shall create any warranty not expressly stated herein.

We shall not be liable for any action taken by you based on or relying on the information provided in or by the Web Site.

We will not be liable for any virus that may enter your system as a result of you using the Web Site. We make no guarantees to you or third parties that the content contained on the Web Site would be virus free. We will not be liable for any direct, incidental or consequential loss, which may be caused to you as a result of your use of the Web Site.

If you are dissatisfied with any portion of this Web Site or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue using the Web Site.

Limitation of liability:

Under no circumstances, including but not limited to negligence, shall CUMI, its employees and directors, its suppliers and its third party Advisors be liable to you for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including punitive or exemplary (including, but not limited to, damages caused by any virus, personal injury, loss of profits, data or other intangible, business interruption, loss of privacy, or any other pecuniary loss), arising out of or in any way connected with the use/delivery/performance of this Web Site, with the delay or inability to use this Web Site or any links or items on the Web Site, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through this Web Site, or otherwise arising out of the use of this Web Site, whether based on contract, tort, strict liability or otherwise, or for cost of procurement of substitute goods and repair & correction services or resulting from the use of this Web Site or obtained or messages received or transactions entered into through or from the Web Site or resulting from unauthorized access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.

You agree that we shall not be liable for any damages arising from interruption, suspension or termination of the Web Site, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. However, in no event shall our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Web Site.

We understand and acknowledge that this is the latest version of the Privacy and Disclaimer and the same is subject to revision from time to time.

We value your relationship and will always strive to ensure your privacy.