1. Definitions

For the purposes of these Terms & Conditions, the following terms shall have the meanings assigned below.

2. Services

Blue Chip Finance Private Limited provides digital lending and related financial services through the Platform to eligible users in accordance with applicable laws, Reserve Bank of India (RBI) regulations, and the Company's internal credit policies.

As the lender, Blue Chip Finance Private Limited is solely responsible for evaluating loan applications, making lending decisions, sanctioning eligible loans, disbursing approved loan amounts, and servicing such loans, subject to applicable regulatory requirements.

The availability of any product or service is subject to successful identity verification, credit assessment, eligibility evaluation, fraud checks, regulatory compliance, and the Company's internal approval processes.

3. License

Subject to your continued compliance with these Terms & Conditions, Blue Chip Finance Private Limited grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Platform solely for your personal, lawful, and non-commercial use.

This license grants only the right to use the Platform and does not transfer any ownership, title, or intellectual property rights in the Platform or any of its contents.

You may:

• Access and use the Platform to apply for and manage financial products and services offered by Blue Chip Finance Private Limited.
• Download and install the mobile application from authorised app stores.
• Use the Platform strictly in accordance with these Terms & Conditions and applicable laws.

You shall not:

• Copy, reproduce, modify, distribute, publish, or commercially exploit any part of the Platform without our prior written consent.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Platform.
• Create derivative works based on the Platform.
• Use the Platform for any unlawful, fraudulent, or unauthorised purpose.
• Remove, alter, or obscure any copyright, trademark, or proprietary notices.

Blue Chip Finance Private Limited reserves all rights not expressly granted under these Terms.

4. Restrictions

By accessing or using the Platform, you agree not to engage in any activity that is unlawful, fraudulent, harmful, or inconsistent with these Terms & Conditions.

You shall not:

• Provide false, inaccurate, incomplete, or misleading information.
• Impersonate any individual, organisation, or entity.
• Use another person's identity or account without proper authorisation.
• Submit forged, altered, or fraudulent documents.
• Attempt to obtain a loan through misrepresentation or fraudulent means.
• Use the Platform for any unlawful or unauthorised purpose.
• Interfere with, disrupt, or compromise the operation, security, or availability of the Platform.
• Upload, distribute, or transmit viruses, malware, ransomware, spyware, or any other malicious software.
• Attempt to gain unauthorised access to our systems, databases, servers, APIs, or user accounts.
• Reverse engineer, modify, tamper with, or circumvent any security measures implemented by Blue Chip Finance Private Limited.
• Use automated tools, bots, crawlers, scripts, or similar technologies to access or interact with the Platform without prior written permission.
• Infringe the intellectual property rights of Blue Chip Finance Private Limited or any third party.
• Use the Platform in any manner that could damage, disable, overload, or impair its functionality or security.

Violation of these restrictions may result in suspension or termination of your access to the Platform, rejection of your loan application, recovery of damages where applicable, and civil or criminal action under applicable law.

5. User Content and Information

You are solely responsible for the accuracy, authenticity, completeness, and legality of all information, documents, and content submitted through the Platform.

By submitting any information, you represent and warrant that:

• All information provided is true, accurate, complete, and current.
• You possess all necessary rights, permissions, and authority to provide such information.
• The information submitted does not violate any applicable law or the rights of any third party.
• All documents uploaded are genuine, valid, and unaltered.

You agree to promptly notify Blue Chip Finance Private Limited of any material changes to your personal, financial, or contact information that may affect your eligibility, loan account, or use of the Services.

Blue Chip Finance Private Limited reserves the right to review, verify, reject, suspend, or remove any information or document that is found to be inaccurate, incomplete, misleading, fraudulent, or otherwise in violation of these Terms or applicable laws.

Submission of information through the Platform does not create any obligation on Blue Chip Finance Private Limited to approve a loan application or provide any financial product or service.

6. Intellectual Property Rights

All intellectual property rights relating to the Platform and its contents are owned by or licensed to Blue Chip Finance Private Limited and are protected under applicable intellectual property laws.

This includes, without limitation:

• Logos
• Trademarks
• Trade Names
• Service Marks
• Software
• Source Code
• User Interface Designs
• Graphics
• Images
• Icons
• Text
• Databases
• Audio
• Video
• Documents
• Designs
• Layouts
• Other proprietary materials

Nothing contained in these Terms & Conditions shall be construed as granting you any licence, ownership, or right to use any intellectual property belonging to Blue Chip Finance Private Limited, except as expressly provided in these Terms.

You shall not:

• Copy, reproduce, or duplicate any Platform content.
• Modify, adapt, translate, or create derivative works.
• Publish, distribute, transmit, display, or commercially exploit any content.
• Remove or modify any copyright, trademark, or proprietary notices.
• Use any trademark, trade name, logo, or branding of Blue Chip Finance Private Limited without prior written authorisation.

Any unauthorised use of the Company's intellectual property may result in legal proceedings and other remedies available under applicable law.

7. Third-Party Links and Services

The Platform may contain links to third-party websites, applications, payment gateways, service providers, Credit Information Companies, KYC verification agencies, or other online resources for your convenience or to facilitate the delivery of our Services.

Such third-party services operate independently and are governed by their respective terms of use, privacy policies, and business practices.

Blue Chip Finance Private Limited:

• Does not own or control third-party websites or services.
• Does not warrant or guarantee the accuracy, completeness, or reliability of any third-party content.
• Is not responsible for the availability, security, or performance of third-party services.
• Does not endorse any third-party products or services unless expressly stated.

Your interactions with any third-party website or service are solely between you and the respective third party. We encourage you to review their applicable terms, privacy policies, and practices before using such services.

Blue Chip Finance Private Limited shall not be liable for any loss or damage arising from your use of any third-party website, application, or service.

8. Third-Party Advertisements

The Platform may display advertisements, promotional content, or offers from third-party businesses for informational or marketing purposes.

The display of such advertisements does not constitute:

• An endorsement.
• A recommendation.
• A warranty or guarantee.
• A representation regarding the quality or suitability of any product or service.
• A partnership, agency, or joint venture beyond any relationship expressly disclosed.

Blue Chip Finance Private Limited shall not be responsible for:

• The products or services offered by advertisers.
• Statements, representations, or claims made by advertisers.
• Transactions or disputes between users and advertisers.
• Any direct or indirect loss arising from dealings with third-party advertisers.

Your engagement with third-party advertisements is entirely voluntary and at your own risk.

9. Ancillary Services

In addition to our lending services, the Platform may provide certain ancillary features and customer support tools, including:

• Customer support services.
• Educational resources.
• Blogs and articles.
• Frequently Asked Questions (FAQs).
• Interactive communication channels.
• Financial calculators.
• Notifications and alerts.
• Other informational or value-added services.

These ancillary services are provided solely for informational, educational, and customer assistance purposes and should not be construed as financial, legal, investment, or tax advice.

Users agree not to misuse these services by:

• Posting unlawful, defamatory, abusive, or offensive content.
• Harassing employees, representatives, or other users.
• Uploading malicious software or harmful code.
• Violating any applicable law or regulation.
• Disrupting or interfering with the proper functioning of these services.

Blue Chip Finance Private Limited reserves the right to modify, suspend, restrict, or discontinue any ancillary service at its sole discretion and without prior notice, where permitted by applicable law.

10. Termination

Blue Chip Finance Private Limited reserves the right to suspend, restrict, or terminate your access to the Platform or any Service, with or without prior notice, where permitted by applicable law, including if:

• You breach these Terms & Conditions.
• You provide false, inaccurate, misleading, or fraudulent information.
• You engage in unlawful, fraudulent, suspicious, or abusive activities.
• Your actions pose a security, operational, legal, or reputational risk to the Company, the Platform, or other users.
• We are required to do so by applicable law, regulatory authorities, or judicial orders.
• Your loan account is declared overdue, non-performing, or in default under the applicable Loan Agreement.
• You misuse or attempt to compromise the security or integrity of the Platform.

Termination or suspension of your access to the Platform shall not affect:

• Any rights or remedies available to Blue Chip Finance Private Limited under applicable law.
• Any obligations already incurred by you under the applicable Loan Agreement.
• Your obligation to repay any outstanding loan amount, interest, fees, charges, taxes, penal charges, or other amounts due under the applicable Loan Agreement.

Blue Chip Finance Private Limited may also retain, process, or disclose your information after termination where required to comply with applicable laws, regulatory obligations, fraud prevention requirements, dispute resolution, or the enforcement of legal rights.

Termination of your access to the Platform shall not affect any provisions of these Terms that, by their nature, are intended to survive termination, including provisions relating to intellectual property, indemnity, limitation of liability, dispute resolution, governing law, confidentiality, and outstanding payment obligations.

11. Disclaimer of Warranties

The Platform and all Services provided by Blue Chip Finance Private Limited are made available on an "as is" and "as available" basis.

To the fullest extent permitted under applicable law, Blue Chip Finance Private Limited does not make any express, implied, statutory, or other warranties regarding:

• The uninterrupted availability of the Platform or Services.
• The accuracy, completeness, or reliability of any information available through the Platform.
• Error-free, secure, or uninterrupted operation of the Platform.
• Compatibility of the Platform with every device, browser, operating system, or network.
• Freedom from viruses, malware, or other harmful components.
• The suitability of the Platform or Services for any particular purpose.

While we take reasonable measures to maintain the security, reliability, and availability of our Platform, we do not guarantee that the Platform will always operate without interruption, delay, or technical issues.

Nothing contained on the Platform shall be construed as a guarantee of loan approval, loan amount, interest rate, tenure, or eligibility. All lending decisions are made solely by Blue Chip Finance Private Limited in accordance with applicable laws, RBI regulations, and the Company's internal credit policies.

Your use of the Platform is entirely at your own risk.

12. Indemnity

You agree to indemnify, defend, and hold harmless Blue Chip Finance Private Limited, its directors, officers, employees, affiliates, agents, contractors, service providers, Lending Service Providers (LSPs), and authorised representatives from and against any claims, losses, damages, liabilities, penalties, costs, or expenses (including reasonable legal fees) arising out of or relating to:

• Your breach of these Terms & Conditions.
• Violation of any applicable law, regulation, or RBI guideline.
• Misuse of the Platform or Services.
• Submission of false, inaccurate, misleading, or fraudulent information.
• Infringement of any intellectual property or other third-party rights.
• Any negligent, unlawful, or fraudulent act or omission by you.
• Your failure to comply with the applicable Loan Agreement or repayment obligations.

This indemnity shall survive the suspension or termination of your access to the Platform and the expiry of these Terms.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Blue Chip Finance Private Limited shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or economic losses arising out of or relating to:

• Your use of, or inability to use, the Platform or Services.
• Delays, interruptions, or temporary unavailability of the Platform.
• Technical failures or system errors.
• Loss, corruption, or unauthorised access to data.
• Unauthorised access to your account resulting from your failure to protect your login credentials or OTPs.
• Errors, omissions, or inaccuracies in content.
• The acts or omissions of third-party service providers.
• Any business loss, loss of opportunity, loss of profits, or other consequential financial loss.

Our aggregate liability, if any, shall be limited to the maximum extent permitted under applicable law.

Nothing contained in these Terms shall exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.

14. Force Majeure

Blue Chip Finance Private Limited shall not be liable for any delay, interruption, or failure in performing its obligations where such delay or failure arises from events beyond its reasonable control, including but not limited to:

• Natural disasters.
• Floods.
• Earthquakes.
• Fire.
• Epidemics or pandemics.
• War, terrorism, or civil unrest.
• Government actions, judicial orders, or regulatory restrictions.
• Labour disputes or industrial actions.
• Internet, telecommunications, or network failures.
• Power outages.
• Cybersecurity incidents beyond our reasonable control.
• Failure of third-party infrastructure or service providers.
• Any other force majeure event recognised under applicable law.

During the continuance of any such event, our obligations shall remain suspended to the extent affected by the force majeure event.

15. Cancellation & Refund Policy

Blue Chip Finance Private Limited is committed to maintaining a fair, transparent, and customer-friendly cancellation and refund process in accordance with applicable laws and RBI regulations.

15A. Electronic Communications

By accessing or using the Platform, you consent to receive communications from Blue Chip Finance Private Limited electronically, including through SMS, email, WhatsApp (where applicable), in-app notifications, phone calls, or other digital communication channels. Such electronic communications shall satisfy any legal requirement that communications be provided in writing, to the extent permitted under applicable law.

16. Privacy

Your access to and use of the Platform is also governed by our Privacy Policy, which explains how Blue Chip Finance Private Limited collects, processes, stores, shares, protects, and otherwise handles your Personal Information in accordance with applicable laws and regulatory requirements.

By accessing or using the Platform, you acknowledge that you have read, understood, and accepted our Privacy Policy. Where your consent is required under applicable law, you also consent to the collection, processing, storage, sharing, and use of your Personal Information as described in the Privacy Policy.

In the event of any inconsistency between these Terms & Conditions and the Privacy Policy regarding the processing of Personal Information, the Privacy Policy shall prevail to the extent of such inconsistency.

17. Changes to These Terms

Blue Chip Finance Private Limited reserves the right to modify, amend, update, or replace these Terms & Conditions at any time to reflect changes in:

• Applicable laws and regulations.
• RBI guidelines or regulatory requirements.
• Business operations.
• Technology or security practices.
• Products and services offered through the Platform.

Any revised version of these Terms & Conditions will be published on the Platform together with the updated "Last Updated" date.

Your continued access to or use of the Platform after such changes become effective constitutes your acceptance of the revised Terms & Conditions, to the extent permitted by applicable law.

18. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of India.

Any dispute, claim, or controversy arising out of or relating to these Terms & Conditions or your use of the Platform shall first be resolved through mutual discussions and amicable settlement, wherever reasonably practicable.

If the dispute cannot be resolved amicably, it shall be subject to the exclusive jurisdiction of the competent courts located in New Delhi, India, unless otherwise required under applicable law.

Nothing contained in this section shall restrict Blue Chip Finance Private Limited from seeking any interim or injunctive relief before any court or competent authority having appropriate jurisdiction.

19. Miscellaneous

These Terms & Conditions constitute the entire agreement between you and Blue Chip Finance Private Limited regarding your access to and use of the Platform and supersede all prior communications, understandings, or agreements relating to the subject matter herein.

If any provision of these Terms & Conditions is held to be invalid, illegal, or unenforceable by a court or competent authority, the remaining provisions shall continue in full force and effect.

Failure or delay by Blue Chip Finance Private Limited in exercising any right, remedy, or provision under these Terms shall not constitute a waiver of such right, remedy, or provision.

Nothing contained in these Terms shall be construed as creating any partnership, joint venture, agency, employment, fiduciary, or franchise relationship between you and Blue Chip Finance Private Limited.

You may not assign, transfer, delegate, or otherwise dispose of any of your rights or obligations under these Terms & Conditions without our prior written consent.

Blue Chip Finance Private Limited may assign, transfer, or delegate its rights and obligations under these Terms & Conditions in accordance with applicable law, regulatory requirements, or any corporate restructuring, merger, acquisition, or business transfer.

Headings used in these Terms are provided solely for convenience and shall not affect the interpretation of any provision.

Contact Us

If you have any questions, concerns, requests, or grievances regarding these Terms & Conditions or any of the Services offered by Blue Chip Finance Private Limited, you may contact us using the details below.

Blue Chip Finance Private Limited

Email: care@bluechipfinance.co

Phone: +91 87961 66221

Website: https://www.bluechipfinance.co