Terms of Use

Proprietary Rights

You admit and accept that My Finance Cafe  owns entire legal rights, title and interest in and to the products and/ or services, comprising any intellectual property rights which exist in the products and/ or services (whether those rights are registered or not, and wherever in the world those rights exist). You also admit that the products and/ or services may contain information which is designated confidential by and that you shall not disclose such information without My Finance Cafe’s prior written consent. You may not copy, create a derivative work from, change, reverse assemble, reverse engineer,  or otherwise try to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the products and/ or services. You do not have the right to use any of My Finance Cafe trademarks, logos, trade names, service marks, domain names, and other distinctive brand features. You do not have the authority to obscure, remove or change any proprietary rights notices (comprising trademark and copyright notices), which may be affixed to or contained within the products and/ or services. You will not transmit or copy any of the products and/ or services.

General Terms

Access to and use of this Website or Mobile application is subject to our privacy policy & these terms of use. By accessing this Website or Mobile application you agree to act in accordance with these terms of use and our Privacy Policy.  If you do not abid to these terms of use or our Privacy Policy, you are not allowed to access and use this Website or Mobile application and you must cease such access and/or use immediately. If you violate any term of these term of use, your right to access and use this Website or Mobile application shall end instantly. We reserve the right to change these terms of use from time to time without notice by changing this page. The changed ToU will be effective from the day they are posted on this Website or Mobile application. As these ToU may be changed from time to time, you must examine them regularly whenever you visit this Website or Mobile application. Your ongoing use of this Website or Mobile application will constitute your acceptance of the amended Terms of Use

Eligibility

The Service is not available to minors below the age of 18 or to any users suspended or removed from the system by My Finance Cafe for any cause. Users may not have over one active account. Also users are prohibited from trading, selling, or otherwise transferring their accounts to another party. If you are not eligible, you may not use the Service or this Website or Mobile application.

Our Services Cover

We offer an independent online service which allows you to research and compare and buy financial and other products or services provided by third parties whilst using this Website or Mobile application. Our comparison service is free for you to use, though, you are liable for obtaining access to this Website or Mobile application, and that access may comprise third-party fees (for example Internet service provider or airtime charges). We moreover offer Mobile application service that can be accessed by Business Associates or you to refer a lead or a business associate. The app can be used to check scoreboard, process an application, earnings and status of the leads submitted. We receive fees and/or commissions from the third party product or service providers when you use our service to buy products or services from them. We furthermore offer an independent service which allows you to obtain advice and help offline (for instance – by calling on the toll free number provided by this Website or Mobile application) after using this Website or Mobile application either from us or from a third party advisor in connection with certain financial and other products or services. We do not charge you any fees or commissions for this service, though, we may gather minimum fees and/or charges from you for certain specialized services or in case of certain special situations or otherwise, for which we will keep you informed well before collecting such charges and/or fees. By making use of this Mobile application or website and furnishing your personal/contact details, you hereby agree that you are interested in availing and buying the services that you have chosen. You hereby agree that My Finance Cafe may contact you either electronically or through phone, to know your interest in the chosen products and services and to fulfill your demand. You also accept that My Finance Cafe reserves the right to make your details available to any of our authorized members/ agents or partners and you may be contacted by them for information and for sales through telephone, email and/or SMS.  You accept to receive promotional materials and/or special offers from My Finance Cafe through email or SMS. If you do not agree with this term of use, please do not use this Website or Mobile application. Please be aware that information given on this Website or Mobile application is offered for general information purposes only and must not be relied upon by you and is given so that you can choose the product or service that you feel is most suitable to meet your necessities. You must always examine the correctness, accuracy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any uncertainty as to the appropriateness, suitability or adequacy of any product or service referred to on this Website or Mobile application, we recommend that you look for independent professional recommendation before you obtain any product or service via this Website or Mobile application.  From time to time, this Mobile application or website may also include links to other Website or Mobile application.  These links are offered for your ease to provide you with further information. We do not hold ourselves liable for the content or correctness or adequacy reliability of the linked website or Mobile application(s). This Website or Mobile application may comprise sponsorship & advertising.  Sponsors & Advertisers are liable for guaranteeing that material submitted for inclusion on the Website or Mobile application is correct and complies with applicable laws. We will not be liable for the illegitimate of or any error or incorrectness in advertisers’ or sponsors’ materials. Please be aware that nothing on this Mobile application or Website is, or shall be considered to constitute, an offer by us or any third party to sell to you any product or service or to enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the applicable product or service from the applicable third party on its terms and conditions that may be rejected or accepted. The contract for the product or service will only be finished once your offer has been accepted. You will obtain confirmation when your offer has been accepted. We aim to offer continuous access to this Website or Mobile application but we give no warranty as to the constant availability of this Website or Mobile application. We reserve the right to restrict, suspend or terminate your access to this Website or Mobile application at any time. We reserve the right to add, change, delete, edit, remove or change any information, content, material or data shown on this Website or Mobile application and without notice from time to time. My Finance Cafe shall not be liable if any database/ information/ page is printed/ statement from the Website or Mobile application and after downloading / printing/ complete/partial, text/information is changed/ removed/ obscured.

Permission to Use

You are only allowed to access and use this Website or Mobile application for your personal, non- commercial purposes, meaning this Website or Mobile application may only be accessed and used directly by a private individual or by a business to look for a product or service directly for that individual or business and on their own behalf. Access to and use of this Mobile application or website other than for your personal, non-commercial purposes is strictly prohibited. Any unauthorized use by you or any illegitimate or illegal activity by you in or for this Website or Mobile application shall remove the permission or license granted to you by My Finance Cafe to use this Website or Mobile application and may give rise to a claim for damages and/or be a considered criminal offence. You may run a link to this Website or Mobile application provided you do so in a way that is fair and legitimate and does not harm our reputation or take benefit of it, as determined by us. You should not operate a link to this Website or Mobile application in such a way as to recommend or implicit any form of connection, approval or endorsement by us. We reserve the right to need you to instantly remove any link to this Website or Mobile application at any time and we may withdraw any linking permission at any time.

Intellectual Property Rights

The copyright in the information, material, content, or data shown on this Website or Mobile application belongs to us or our licensors or our licensees or authorized or permitted agents/members. You may temporarily print, download, copy, store or store extracts of content material, information, or data displayed on this website or mobile application for your own personal use but must not be used for any commercial purpose. The mobile application or website contains material which is owned by or licensed to us and are secured by copyright.