This document is an electronic record created in accordance with Rule 3 of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Information Technology Act, 2000. No physical or digital signature is required. This document applies to the access and use of the website (www.Turtlemint Pro.in), software, mobile app, technology platform, telecom network and any such facilitation resources as may be offered on https://www.turtlemintpro.com (“Turtlemint Pro Platform”). The Turtlemint Pro Platform is owned and operated by Fintech Blue Solutions Private Limited, a company incorporated under the Companies Act, 2013 and having its registered office at The ORB – Sahar, 1st Floor 4 & 4A, A Wing, Marol Village, Andheri East, Mumbai, Maharashtra, Mumbai-400099. (”Turtlemint Pro”, the “Company”, “We”, “Us” or “Ours”).
The Turtlemint Pro Platform provides aggregation information and comparison services for certain financial loan products (including personal loans, SME loans, auto loans, home loans, loan against property) (“Financial Products”) from various financial institutions which are banks and recognised financial institution as per the norms of Governmental Authority. “Government Authority” shall mean and include the central or state government of Republic of India or of any political subdivision thereof, whether state or local, and any agency, authority, instrumentality, regulatory body, court, central bank or other entity exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining to government.
These Platform related terms (“Terms and Conditions” or “Terms”) are applicable to You (hereinafter referred to as “You” or “Your” or “Yourself” or the “User”) when You use or access the Turtlemint Pro Platform or any part thereof in anyway, including, without limitation, using any information, content, services, etc., available therein, and You agree to and be bound by them. The term ‘You’, ‘Your’ & ‘User’ shall mean any legal person or entity accessing or using the services provided on this Turtlemint Pro Platform or any part thereof in anyway, who is competent to enter into binding contracts, as per the provisions of the Indian Contract Act, 1872.
You do not agree or accept any of the Terms and Conditions herein, please do not access/use the Turtlemint Pro Platform in any way whatsoever.
PLEASE READ THESE TERMS OF USE CAREFULLY. BY USING OR ACCESSING THE TURTLEMINT PRO PLATFORM, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS OF USE AND ALL APPLICABLE LAWS AND REGULATIONS, INCLUDING YOUR COMPLIANCE WITH ANY APPLICABLE LOCAL LAWS. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU SHALL NOT USE OR ACCESS THE TURTLEMINT PRO PLATFORM.
- GENERAL
1.1 You represent and warrant that You have full power and authority to enter into this agreement and creating the account with Turtlemint Pro Platform and using the facility of Turtlemint Pro Platform, and in doing so will not violate any other agreement to which You are a party.
1.2 In order to use the Turtlemint Pro Platform, its services, and avail the Financial Products and other services as available therefrom, You must register with Turtlemint Pro by creating Your personal account on the Platform by providing certain personal and non-personal information about Yourself as prompted by the Turtlemint Pro Platform’s registration form. Apart from taking personal information that directly identifies You. You represent and warrant that:
(i) All required registration as well as personal information You submit shall always be true and accurate; and
(ii) You agree to maintain the accuracy of the provided information and assume liability for any resulting risks or consequences. Turtlemint Pro may request identification documents from You for identity verification purposes. If any information You provide is false, inaccurate, outdated, or incomplete, or if Turtlemint Pro reasonably suspects such, it reserves the right to suspend or terminate Your account and/or deny current or future access to the Turtlemint Pro platform.
(iii) You are at least 18 years of age and legally competent to enter into these Terms and comply with them.
1.3 You may delete Your account at any time by emailing Turtlemint Pro at pospsupport@turtlemintpro.com. You are solely responsible for maintaining the confidentiality of Your account login information and for all activities conducted under Your account. You agree to promptly notify Turtlemint Pro of any unauthorized use or suspected breach of Your account. Turtlemint Pro is not liable for any loss or damage arising from Your failure to comply with these obligations or for any unauthorized use or disclosure of Your account details.
1.4 You shall not create multiple accounts, directly or indirectly, and You shall be eligible for only one account registration and maintenance.
1.5 Subject to these Terms and Conditions, Turtlemint Pro Platform grants You a non-transferable, non-exclusive license to use the Turtlemint Pro Platform solely for personal, non-commercial purposes as outlined herein.
1.6 Prohibited Activities:
You are strictly prohibited from engaging in any of the following activities while using the Turtlemint Pro Platform or any related services:
(i) Unlawful Content: Posting or transmitting any material that belongs to another person and to which You do not have any rights, or any content that is defamatory, obscene, pornographic, paedophilic, invasive of privacy (including bodily privacy), harassing or insulting on the basis of gender, racially or ethnically offensive, or otherwise contrary to the law in force.
(ii) Harmful to Children: Sharing any content that is harmful to children in any way.
(iii) Intellectual Property Infringement: Uploading, posting, or distributing content that infringes any patent, trademark, copyright, or other proprietary rights of any third party.
(iv) Violation of Law: Using the Turtlemint Pro Platform in any way that violates any federal, state, local, or international law or regulation.
(v) Deceptive Communication: Misleading others by impersonating someone else, deceiving the addressee about the origin of a message, or intentionally sharing false or misleading information that may reasonably be perceived as fact.
(vi) Threatening National Security: Posting content that threatens the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, public order, or encourages the commission of any cognizable offense.
(vii) Malware and Harmful Code: Uploading or introducing any software viruses, spyware, Trojan horses, worms, or any other harmful computer code, file, or program designed to interrupt, destroy, or limit the functionality of any computer resource or technology.
(viii) Unauthorized Access: Gaining unauthorized access to, interfering with, damaging, disrupting, or circumventing any security features of the Turtlemint Pro Platform, or the servers, networks, or databases connected to the Turtlemint Pro Platform.
(ix) Automated Access and Data Harvesting: Accessing the Turtlemint Pro Platform through automated means (such as robots or spiders), engaging in activities like “screen scraping,” data mining, data extraction, or harvesting without express written consent, or conducting any activity that imposes an unreasonable load on the platform or its infrastructure.
(x) Unsolicited Commercial Communications: Using the Turtlemint Pro Platform to send or transmit unsolicited commercial communications or spam.
(xi) Forgery and Impersonation: Forging headers, manipulating identifiers to disguise the origin of any content transmitted through the Turtlemint Pro Platform, or impersonating us, our employees, other users, or any other person or entity.
(xii) Content Reproduction and Exploitation: Reproducing, redistributing, duplicating, copying, selling, reselling, or exploiting any content or aspect of the Turtlemint Pro Platform for commercial purposes without prior written consent, except for content expressly made available for redistribution.
(xiii) Modification of Platform Elements: Modifying, reverse engineering, translating, decompiling, disassembling, or creating derivative works from the Turtlemint Pro Platform or any content, or removing, deleting, altering, or obscuring any trademarks, copyrights, or proprietary notations.
(xiv) Illegal or Harmful Activities: Engaging in any activity that disrupts or interferes with the functioning of the Turtlemint Pro Platform, or introduces harmful technology such as logic bombs, rootkits, or keystroke loggers into the platform or related systems.
(xv) Impersonation and Identity Theft: Impersonating us, our employees, or other users, or creating restricted access pages or hidden images that mislead or deceive others.
By using the Turtlemint Pro Platform, You agree to abide by these prohibited activities and acknowledge that any violation may result in termination of Your account, removal of offending content, and potential legal action.
1.7 Any future releases, updates, or additional functionalities of the Turtlemint Pro Platform are solely at Turtlemint Pro’s discretion and will be governed by these Terms and Conditions, which may be amended periodically. You acknowledge that Turtlemint Pro shall not be liable for any changes, modifications, suspensions, or discontinuations of the platform or any part thereof.
1.8 The Turtlemint Pro Platform may engage third-party vendors and payment gateways to process payments. By accepting these Terms and Conditions, You authorize Turtlemint Pro and its third-party service providers to process payment authorizations, store Your payment and banking details, and charge Your card or account for service fees, if any, and any amounts due. In line with applicable laws and Turtlemint Pro’s Privacy Policy https://www.turtlemintpro.com/privacy-policy. You consent to the use of these third-party providers for payment processing and management of Your payment information. By providing payment details, You confirm that You are legally authorized to use the payment method and that sufficient funds or credit are available to complete the transaction. If Your payment method fails, You are responsible for settling the outstanding amounts through other means.
1.9 By using the Turtlemint Pro Platform and submitting Your personal information, You consent to receiving information about financial products, services, offers, and promotions from Turtlemint Pro or third parties (such as recognised banks, the financial instructions or the non-banking financial companies reflected on the Turtlemint Pro Platform) through various communication methods, including phone, SMS, email, WhatsApp, or other messaging services. You authorize Turtlemint Pro and its partners to contact You regarding products and services that may interest You and to process Your requests. You further agree to receive marketing communications from Turtlemint Pro and its partners and waive any preferences You may have under the Do Not Disturb (DND) or National Customer Preference Register (NCPR) regulations as set forth by TRAI Regulation. “TRAI Regulations” refer to the rules, guidelines, and directives issued by the Telecom Regulatory Authority of India (TRAI), a statutory body established under the Telecom Regulatory Authority of India Act, 1997. These regulations govern telecommunications services in India, including but not limited to, mobile, internet, and broadcasting services. TRAI Regulations are designed to ensure fair practices, consumer protection, and the orderly growth of the telecommunications sector. They also include provisions related to the National Customer Preference Register (NCPR), previously known as the Do Not Disturb (DND) registry, which regulates unsolicited commercial communications and telemarketing practices. You understand that Turtlemint Pro will use your information to provide you better services in future also.
However, Turtlemint Pro shall not be liable to You against any liability or claims which may arise out of such transactions as any such personal information is being collected, used, processed and shared with Your consent as agreed under Turtlemint Pro’s Privacy Policy at the link https://www.turtlemintpro.com/privacy-policy/
1.10 Upon subscribing or showing interest through selection of any Financial Product or financial transactions, You hereby authorise Turtlemint Pro Platform’s recognise banking or non-banking financial institution partner to conduct Know Your Customer (KYC) or credit score check or due diligence and request necessary information as required by law. You are obligated to provide this information when applying for financial products. Turtlemint Pro may verify Your identity and the nature of Your relationship with its partner institutions and may implement enhanced due diligence measures to comply with legal and regulatory requirements. - PROPRIETARY RIGHTS
2.1 All Intellectual Property Rights and proprietary rights related to the Turtlemint Pro Platform are owned by Turtlemint Pro and its licensors. Your use of the platform does not grant You or any third party any rights to these Intellectual Property Rights, which include copyrights, trademarks, patents, trade secrets, and other proprietary rights. Turtlemint Pro retains exclusive rights to use, license, reproduce, distribute, modify, and enforce its intellectual property.
2.2 The Turtlemint Pro logos and names are trademarks of Turtlemint Pro, and You have no rights to use them. Other product names and trademarks displayed on the platform may belong to their respective owners.
2.3 You are not granted a license to download, copy, create derivative works, modify, reverse engineer, or attempt to access the source code of the Turtlemint Pro Platform. You may not sell, assign, sub-license, or transfer any rights related to the platform, nor remove or alter any proprietary notices.
2.4 Additionally, You acknowledge that the Turtlemint Pro Platform may contain confidential information and agree not to disclose it to any third party without prior written consent from Turtlemint Pro. - THIRD PARTY OFFERS/PROPOSAL AND LINK
The Turtlemint Pro Platform may include links to third-party websites, products, services, and resources (“Third Party Data”). You acknowledge that Turtlemint Pro has no control over this Third Party Data and is not liable for any damages or losses arising from its use or reliance. Turtlemint Pro provides these links solely for Your convenience and does not endorse, monitor, or make any representations regarding them. Your interactions with third parties accessed through the Turtlemint Pro Platform are at Your own risk, and Turtlemint Pro is not responsible for any issues that may arise, including personal injuries or property damage. You should conduct Your own due diligence before engaging in any transactions related to Third Party Data. - OUR PARTNERS
4.1 The display of third-party financial products and services on the Turtlemint Pro Platform does not constitute sponsorship, endorsement, recommendation, or approval by Turtlemint Pro. Turtlemint Pro acts solely as an intermediary, information aggregator of the Financial Products, or facilitator for the distribution of products and services offered by its partners (e.g., lenders, credit card companies or any other financial /non-financial service provider). Turtlemint Pro is not responsible for the accuracy, timeliness, or completeness of information provided by these third parties. Your interactions with third parties through the platform are at Your own risk, and Turtlemint Pro is not liable for any actions, errors, omissions, or damages resulting from those interactions. You are encouraged to conduct Your own due diligence before engaging with third-party products or services.
4.2 You acknowledge that the approval of any financial product is at the sole discretion of Turtlemint Pro’s partners. Turtlemint Pro is not responsible for any delays, rejections, unfair trade practice, deficiency of service or approvals of applications made through the platform. - DISCLAIMER
5.1 No Warranties or Guarantees: The Turtlemint Pro Platform, including all content, products, and services offered, is provided on an “as is” and “as available” basis. Turtlemint Pro makes no warranties or guarantees, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. This includes any warranties arising from usage of trade, course of dealing, or performance. Turtlemint Pro specifically disclaims any warranty that: (a) the content on the platform will be up-to-date, complete, or accurate for Your needs; (b) the platform will meet Your requirements, or be available uninterrupted, timely, or error-free; (c) the outcomes from using the platform will be accurate or reliable; or (d) the quality of any products including the Financial Product terms, services, or information obtained through the platform will meet Your expectations.
5.2 General Information and No Investment Advice: Some content on the Turtlemint Pro Platform is intended to raise general awareness about various Financial Products and related services, but it does not constitute investment advice or advisory of selection of Particular Financial Product, and You acknowledge the responsibility of (i) Your own selection or acceptance of the Financial Product and (ii) understanding the terms and conditions of the particular Financial Product . This information should not be interpreted as a solicitation, endorsement, or promotion of these products and services by Turtlemint Pro. The content is derived from publicly available sources, and Turtlemint Pro cannot guarantee its authenticity, accuracy, or completeness. It is Your responsibility to perform thorough research before proceeding with any transactions involving these products or services.
5.3 Verification Rights: Turtlemint Pro or Our partners reserves the right to perform additional verification processes for security or other purposes if there are concerns about the credibility of Your transactions.
5.4 Payments through Third-Party Providers: Payments made on the Turtlemint Pro Platform are processed by third-party vendors and service providers. Turtlemint Pro is not liable for issues such as non-delivery, non-payment, damage, misrepresentation, or fraud related to products or services offered on the platform. Turtlemint Pro is also not responsible for any issues arising from payment processing, such as failed transactions, restrictions imposed by law, or errors by third-party providers, banks, financial institutions, or non-banking financial companies (herein in this Terms and Conditions referred to as the “NBFC”).
5.5 Accurate Payment Information: You agree to provide accurate payment details, such as credit or debit card information, for any transactions on the platform. You also confirm that You will not use payment instruments that do not legally belong to You. In addition to these Terms, the terms and conditions of the respective bank, financial institution, or NBFC will also apply. Turtlemint Pro disclaims liability for any payments declined by these institutions.
5.6 Territorial Restrictions: The delivery of any financial products or services offered through the Turtlemint Pro Platform is limited to within India.
5.7 User Interactions: Your interactions with other users on the Turtlemint Pro Platform are solely between You and the respective user. Turtlemint Pro is not responsible for any loss or damage resulting from these interactions. While Turtlemint Pro is not obligated to intervene in disputes between users, it may make reasonable efforts to assist in resolving such issues. - LIMITATION OF LIABILITY
Turtlemint Pro, along with its officers, directors, employees, representatives, affiliates, successors, assigns, vendors, and service providers, shall not be held liable to You or any third party for any injuries, deaths, losses, claims, acts of God, accidents, delays, or for any indirect, special, exemplary, punitive, incidental, or consequential damages (including lost profits). This limitation of liability applies regardless of whether the claim arises from contract, tort, strict liability, or any other legal theory. This includes but is not limited to damages resulting from:
(i) These Terms or any failures or delays related to the use or inability to use the Turtlemint Pro Platform or any products/services offered through it.
(ii) Your use of the platform or its content.
(iii) Interactions or transactions between You and other users of the platform or any actions or omissions on Your part concerning those users.
(iv) The performance or non-performance of Turtlemint Pro or its vendors and service providers, even if Turtlemint Pro has been informed of the potential for such damages.
(v) Any damage to Your computer or property, including viruses, that may occur as a result of accessing or downloading content from the platform. - INDEMNITY
You agree to indemnify and hold harmless Turtlemint Pro, along with its officers, directors, agents, vendors, service providers, and employees (collectively, the “Indemnified Parties”), from any claims, demands, causes of action, losses, damages, fines, penalties, or expenses of any kind, including reasonable attorneys’ fees, arising from:
(i) Your breach of these Terms, the Privacy Policy, or any other Turtlemint Pro policies;
(ii) Your violation of any applicable laws or regulations;
(iii) Your infringement of third-party rights;
(iv) Your unauthorized or improper use of the Turtlemint Pro Platform;
(v) Your interactions with other users on the platform.
(vi) This obligation to indemnify remains in effect even after the termination or expiration of these Terms and Conditions. - TERM AND TERMINATION
These Terms will remain in effect as long as You use the Turtlemint Pro Platform and maintain an account with Turtlemint Pro. Turtlemint Pro reserves the right to (a) suspend Your access to the platform, in whole or in part, or (b) terminate these Terms, at any time and for any reason, including if You violate any provisions of these Terms. Upon termination, Your account and access to the Turtlemint Pro Platform will be immediately revoked. Turtlemint Pro reserves the right to continue using Your content and information as permitted under applicable law and outlined in the Privacy Policy available at Turtlemint Pro Privacy Policy. Turtlemint Pro shall not be liable to You for any such suspension or termination. - WAIVER
Turtlemint Pro’s failure or delay in enforcing any provision of these Terms does not waive its rights to that provision. Exercising one right does not prevent Turtlemint Pro from exercising others under these Terms or by law. Any waiver is only valid if in writing and signed by an authorized officer of Turtlemint Pro. - FORCE MAJEURE
If the performance of the Turtlemint Pro Platform is prevented, restricted, hindered, delayed or interfered for any reason not in the reasonable control of Turtlemint Pro, including but not limited to labour disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, malware, trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Turtlemint Pro Platform, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo, epidemic, pandemic or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this Clause 10, then Turtlemint Pro shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by Turtlemint Pro of its obligations herein or incur any legal liability on Turtlemint Pro. - ASSIGNMENT
You shall not assign or otherwise transfer any of Your rights or obligations under these Terms. Turtlemint Pro shall have the right to assign its rights and duties under these Terms without any notice to You. - GOVERNING LAW AND JURISDICTION
These Terms and Conditions and the Privacy Policy shall be governed and construed in accordance with the laws of the Republic of India and the courts at Mumbai shall have exclusive jurisdiction on all matters and disputes arising out of and relating to the Turtlemint Pro Platform. - MODIFICATIONS TO THE TERMS AND CONDITIONS
These Terms is subject to occasional revision. The Turtlemint Pro reserves the right to modify or update these Terms and Conditions at any time. You will be notified of any material changes either through direct notification (e.g., via email) or by posting updated terms on the Turtlemint Pro Platform. By continuing to use the Turtlemint Pro Platform after the changes, You consent to the updated Terms and Conditions - GRIEVANCE OFFICER
In accordance with Information Technology Act, 2000, consumer protection laws of India and rules made there under, the name and contact details of the Grievance Officer are provided below:
Name: Anup Bauskar
Address:
The ORB – Sahar, 1st Floor 4 & 4A, A Wing, Marol Village, Andheri East, Mumbai, Maharashtra, Mumbai-400099.
Email: anup.bauskar@turtlemint.com
Phone No.: 8169149262 (between 10 AM to 6 PM on weekdays) - CONTACT US
Please contact Us by email on pospsupport@turtlemintpro.com for any questions or comments regarding these Terms and conditions or pertaining to the Turtlemint Pro Platform.