Welcome to www.whitelotusco.in (“website”) owned and operated by White Lotus Connect Private Limited., a company incorporated under the provisions of the Companies Act, 1956 and having its registered office at Second Floor, 431/D-22, Aravali House, Chhatarpur Hills, New Delhi 110074.

Before you may use the Website, you must read all of these General Terms of Use (“Terms”) herein provided on the Website. By using White Lotus Connect Private Limited’s products, software, services, and the Website or by availing any products offered by White Lotus Connect Private Limited’s partner institutions or third parties (“Services”), you understand and agree that White Lotus Connect Private Limited will treat your use of the Services as acceptance of these Terms from such point of usage. You may not use the Services if you do not accept the Terms. If you do not agree to be bound by these Terms and the Privacy Policy, you may not use the Website in any way. It is strongly recommended for you to return to this page periodically to review the most current version of the Terms in force. White Lotus Connect Private Limited reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of this Website signifies your assent/ratification of the updated or modified Terms. If you object to these Terms or any subsequent modifications to these Terms in any way, your only recourse is to immediately terminate use of the Website. We may require you to agree to additional terms (if any) between you and White Lotus Connect Private Limited in connection with specific services that you may avail from time to time. The service provided by White Lotus Connect Private Limited through Website is available and appropriate only for use in India.

Proprietary rights

You acknowledge and agree that White Lotus Connect Private Limited owns all rights, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether registered or not). You further acknowledge that the Services may contain information which is designated confidential by White Lotus Connect Private Limited and that you shall not disclose such information without White Lotus Connect Private Limited's prior written consent.

White Lotus Connect Private Limited grants you a limited license to access and make personal use of the Website and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of White Lotus Connect Private Limited's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.

Usage of the website

The Website is intended for personal and non-commercial use. You shall register to become a member of the Website only if you are of the age of 18 or above and can enter into binding contracts as per applicable laws. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).

You also agree to provide true, accurate, current and complete information about yourself as and when prompted by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or White Lotus Connect Private Limited has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, White Lotus Connect Private Limited shall have the right to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.

By making use of the Website, and furnishing your personal/contact details, you hereby agree that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that White Lotus Connect Private Limited or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode . You hereby agree that White Lotus Connect Private Limited may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize White Lotus Connect Private Limited and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), WhatsApp or any other messaging service/mobile application or any other physical, electronic or digital means/mode.

You specifically understand and agree that by using the Website you authorize White Lotus Connect Private Limited, its affiliates, partners and third parties to contact you for any follow up calls in relation to the Services provided through the Website and for offering or inviting your interest in availing any other product or service offered by White Lotus Connect Private Limited or such third parties. You agree and consent to receive communications relating to all of the above on your phone/mobile number provided by you on the Website and expressly waive any registration or preference made under DND/NCPR list under the applicable TRAI regulations.

You agree and authorize White Lotus Connect Private Limited to share your information, with its group companies, vendors, service providers of White Lotus Connect Private Limited and other third parties, in so far as required for marketing purposes/offering/cross-selling various products and services and/or to provide you with various value-added services, in association with the Services selected by you or generally otherwise. You agree to receive communications through telephone and/or SMS, from White Lotus Connect Private Limited or third parties. You also agree that White Lotus Connect Private Limited reserves the right to make your details available to its partner banks/financial institutions, vendors, service providers, business partners, agents or any other third party and that you may be contacted by such partners and/or the third party for information through telephone and/or SMS. If you request not to receive such communication/marketing material any further, it shall be applicable prospectively only and shall not apply in respect to your data already shared by White Lotus Connect Private Limited with its partners upon your prior consent. In case you do not wish to receive any such communication/marketing materials from our partner banks/ financial institutions/third parties, we request you to kindly get in touch with them independently, without involving White Lotus Connect Private Limited.

You agree and acknowledge that for undertaking any financial transaction through the Website, White Lotus Connect Private Limited may undertake client/customer due diligence measurers and seek mandatory information required for Know-Your-Customer (“KYC”) purpose which as a customer you are obliged to give, while facilitating your request of loan/credit card/mutual fund and other financial product requirements with the banks/financial institutions, in accordance with applicable law and regulations. White Lotus Connect Private Limited may obtain sufficient information to establish, to its satisfaction or the banks/financial institutions, the identity of each new customer/user, and to ascertain the purpose of the intended nature of relationship between you and the bank/financial institution. You agree and acknowledge that White Lotus Connect Private Limited can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to customer due diligence requirements in line with the requirements and obligations under applicable laws and regulations.

The usage of the Website may also require you to provide consent for keying in your Personal Information (“PI”) (including but not limited to any personal data or sensitive personal data as defined under applicable law) or to authorize White Lotus Connect Private Limited to derive your data/information from any source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking KYC checks by White Lotus Connect Private Limited or any other third party and/or to process your application through this Website. Your PI may also be used or shared with third parties, including but not limited to our vendors, service providers, analytics and research partners in India and abroad, with the sole objective of making your experience on the Website better, faster, friction-less and paperless to the extent possible.. However, White Lotus Connect Private Limited shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, White Lotus Connect Private Limited shall not be liable to you against any liability or claims which may arise out of such transactions as any such PI is being collected, used, processed and shared with your explicit consent.

You shall not sell White Lotus Connect Private Limited’s Services, information, or software associated with or derived from it or use any robot, spider, other automatic device, or manual process to monitor or copy the Website and or its content or interfere or disrupt the Website; take any action that imposes an unreasonably or disproportionately large load on White Lotus Connect Private Limited’s infrastructure/network or use any device, or interfere or attempt to interfere with the White Lotus Connect Private Limited Services or forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through White Lotus Connect Private Limited or to manipulate your presence on the Website.

You may only use the Website to search for and to apply for credit cards or other financial products as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the Website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website. White Lotus Connect Private Limited does not provide any Service to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey.

You are prohibited from posting or transmitting to or through this Website: (i) any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website.

Third party links/offers

This Website may provide links to other websites or resources. Since White Lotus Connect Private Limited has no control over such third party websites and resources, you acknowledge and agree that White Lotus Connect Private Limited is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that White Lotus Connect Private Limited shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Your interaction with any third party accessed through the Website is at your own risk, and White Lotus Connect Private Limited will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

Our partners

Display of credit card or other financial products, offered by third parties, on the Website does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of White Lotus Connect Private Limited in favour/against such third parties or their products. You agree that White Lotus Connect Private Limited is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties.

Your interaction with any third party accessed through the Website is at your own risk, and White Lotus Connect Private Limited will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

You agree and acknowledge that the credit shall be at the sole discretion of White Lotus Connect Private Limited’s financial partners (banks, credit card companies) while making any application through the Website for a financial product offered by such financial partners; White Lotus Connect Private Limited shall not be held liable for any delay, rejection or approval of any application made through its Website.