Terms & Conditions
Last Updated: December 18, 2024
AGREEMENT TO TERMS
RatingOK.com is owned and operated by RatingOK, a company incorporated under the laws of India with its registered office located at Ghaziabad. RatingOK provides a platform through its website, https://ratingok.com (the “Platform”), which allows users (“User” or “You”) to access and utilize various financial services and products, including credit cards, loans, and other financial products offered by our financial partners.
By using the Platform, You acknowledge that You have read, understood, and agreed to comply with these Terms and Conditions (“Terms”). If You disagree with any part of these Terms, please refrain from using the Platform. These Terms, together with our Privacy Policy, govern your use of the Platform and the services offered through it.
General
RatingOK provides users access to a variety of financial products offered by our partners, including credit cards and loans. RatingOK acts only as a facilitator between users and financial institutions (banks, non-banking financial companies, etc.), and does not directly provide financial services.
RatingOK is not a registered financial institution under the Reserve Bank of India (RBI), nor is it involved in lending, borrowing, or investment activities. The final decision regarding any financial product, including credit cards and loans, is made solely by the respective financial partner. RatingOK does not guarantee or provide any financial products directly.
Services
RatingOK offers the following services:
- Assisting users in obtaining credit cards and other financial products from partnered financial institutions.
- Providing credit reports to users through authorized agencies.
- Offering support in verifying the financial eligibility of users.
RatingOK may use and share the user’s information with the respective financial partners to facilitate the provision of services. The information shared will be governed by our Privacy Policy.
Eligibility
To use the Platform, you must be a natural person who has attained the age of 18 years or older and is legally allowed to enter into a contract. By registering on the Platform, you agree to abide by these Terms. If you are found in violation of these Terms, RatingOK reserves the right to terminate your access to the Platform at its sole discretion.
Acceptance of Terms
By using the Platform, you agree to the Terms and Conditions set out here. RatingOK reserves the right to modify, add, or remove portions of these Terms at any time. You are encouraged to review the Terms periodically for updates. Your continued use of the Platform following any changes constitutes acceptance of those changes.
Your Account
To access the Platform and use its services, you must create an account by providing accurate personal information, such as your name, contact details, and other necessary data. You are responsible for maintaining the confidentiality of your account and for any activity that occurs under your account. If you suspect unauthorized use of your account, you must notify RatingOK immediately.
If RatingOK suspects that the information provided is incorrect or misleading, we may terminate your account without prior notice. You agree to keep your account information up-to-date and notify us of any changes.
Privacy
RatingOK collects and uses your personal information in accordance with our Privacy Policy. By using the Platform, you consent to the collection, storage, and use of your information as outlined in the Privacy Policy.
License and Site Access
RatingOK grants you a limited, non-exclusive, non-transferable license to use the Platform for personal use. You may not modify, distribute, or reproduce any content from the Platform without express written consent from RatingOK. Unauthorized use of the Platform may result in termination of your access.
Monitoring and Content Removal
RatingOK has the right to monitor the Platform, including the information you provide, to ensure compliance with these Terms. We may remove content that violates these Terms or is deemed objectionable. RatingOK may also share information with law enforcement authorities when required by law.
Service Suspension
RatingOK reserves the right to suspend or terminate access to the Platform at any time, with or without notice, for any reason, including violations of these Terms. RatingOK will not be liable for any damages arising from the suspension or termination of the service.
Limitation of Liability and Disclaimer of Warranties
RatingOK makes no representations or warranties regarding the accuracy or reliability of the content or services provided on the Platform. The Platform and services are provided "as is" and "as available" without warranties of any kind. RatingOK disclaims all warranties, including implied warranties of merchantability and fitness for a particular purpose.
In no event shall RatingOK or its affiliates be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Platform.
Indemnity
You agree to indemnify and hold RatingOK, its affiliates, employees, agents, and third-party partners harmless from any claims, damages, liabilities, and expenses arising from your use of the Platform, violations of these Terms, or any infringement of third-party rights.
Third-Party Links and Advertisements
The Platform may contain links to third-party websites and advertisements. RatingOK does not endorse or take responsibility for the content or privacy practices of these third-party sites. Clicking on third-party links is at your own risk.
Acknowledgments
You acknowledge that RatingOK is a facilitator of financial products and services and not a provider of these products directly. RatingOK does not guarantee the performance or availability of any financial product offered by our partners.
Applicable Laws
These Terms and Conditions, along with our Privacy Policy, are governed by the laws of India. Any disputes arising out of or relating to the use of the Platform shall be resolved in the court of Ghaziabad, India.
Grievance Redressal
If you have any complaints or grievances regarding our services, you may contact our grievance officer at:
Grievance Officer
RatingOK
Email: info@ratingok.com
Address: A-108, Patel Nagar-2,
Near Shaheed Sthal Metro,
Ghaziabad, UP 201001
By using the Platform, you acknowledge that you have read, understood, and agree to these Terms and Conditions.