Terms and Conditions

This section contains the Terms of Use of this Web site. By accessing this Web site and any of its pages, you are agreeing to these Terms.


Information Sharing and Confidentiality

In consideration of your use of our Services, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws as applicable in India. You also agree to provide true, accurate, current and complete information about yourself while using this website or any information provided by you by other means of communication. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of our services (or any portion thereof). You undertake to indemnify and keep indemnified CML for any loss, claim, damage, costs (including legal and professional costs) relating to any abuse or violation including those aforesaid.


Use of Information and Materials

We disclaim any obligation to update or correct or provide accuracy in information / content contained in any of the sections under the CML website located at www.centrummicrocredit.com (hereafter referred as the website), whether arising as a result of financial, business or any other developments. The information in any or all of the sections of this website is updated by the Company (CML) or any of its affiliate/ associate/ group entities, on a periodic basis and is uploaded as on a particular date, which may not be the current /latest date.

The services referred to in this website are offered only in countries where they may be lawfully offered by CML or its associates/group entities. The materials on these pages are not intended for use by persons located in, or resident in, countries that restrict the distribution of such materials. These pages should not be regarded as an offer or solicitation to sell investments, grant loans or make deposits in any country to any person to whom it is unlawful to make such an invitation or solicitation in such country. CML retains the absolute right to determine eligibility for subscription to any of the services.

We do not store any information related to your Net banking. In case we do not receive an authorization from the respective bank or the transaction gets interrupted due to any reason, the transaction will be treated as failed and no order will be processed for that transaction.


You Agree and Confirm

  • That you shall use the services provided by us, for lawful purposes only and shall comply with all applicable laws and regulations while using the services.
  • You shall provide authentic and true information in all instances where such information is requested of you. We reserve the right to confirm and validate the information and other details provided by you at any point of time. If upon confirmation your details are found to be false (wholly or partly), we have the right and the sole discretion to reject the registration and debar you from using the services and / or other affiliated services without prior intimation whatsoever.
  • That you shall access the services available and transact at your sole risk and shall use your best and prudent judgment before entering into any transaction through the services. You agree and confirm that you shall not use our website for any of the following purposes:
    • Disseminating any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material.
    • Transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice.
    • Gaining unauthorized access to other computer systems.
    • Using, displaying, mirroring or framing the services/ website, or any individual element within the services/ website, CML’s name, any CML trademark, logo, product logo, product trademark or other proprietary information, or the layout and design of any page or form contained on a page, without CML’s express written consent.
    • Interfering with any other person's use or enjoyment of the services/website.
    • Breaching any applicable laws, rules or regulations.
    • Interfering or disrupting networks or websites connected to the services/website.
    • Making, transmitting or storing electronic copies of materials protected by copyright without the permission of the copyright owner.
    • Collecting or storing any personally identifiable information from the website / services from other users of the website / services without their express permission.
    • Impersonating or misrepresenting your affiliation with any person or entity.
    • Violating any applicable law or regulation.
    • Encouraging or enabling any other individual to do any of the foregoing.

Governing Law and Jurisdiction

These Terms shall be construed in accord with the applicable laws of India. The Courts at Mumbai shall have exclusive jurisdiction in any proceedings arising out of these Terms.

In the event of any dispute or difference either in interpretation or otherwise, of any terms of these Terms and Conditions or with respect to the usage of the website contents, the same shall be referred to an independent arbitrator who will be appointed by CML and such Arbitrator’s decision shall be final and binding on you. The above arbitration shall be in accordance with the Arbitration and Conciliation Act, 1996 as amended time to time. The arbitration shall be conducted in English language and shall be held in Mumbai.


Reviews, Feedback, Submissions

All reviews, comments, feedback, postcards, suggestions, ideas, and other submissions disclosed, submitted or offered on or by our services submitted or offered in connection with the services shall be and remain our property. Such disclosure, submission or offer of any comments shall constitute an assignment to us of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the comments. Thus, we own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any comments. We will be entitled to use, reproduce, disclose, modify, adapt, create derivative works from, publish, display and distribute any comments you submit for any purpose whatsoever, without restriction and without compensating you in any way.


License and Site Access

CML grants you a limited license to access and make personal use of the website and the services. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party, caching, unauthorized hypertext links to the website and the framing of any content available through the website uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in CML's sole discretion) an unreasonable or disproportionately large load on CML's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by CML to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by CML.


By using the Site you agree not to:

(i) Use this website or its contents for any commercial purpose;

(ii) Make any speculative, false, or fraudulent transaction;

(iii) Access, monitor or copy any content or information of this website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;

(iv) Violate the restrictions in any robot exclusion headers on this website or bypass or circumvent other measures employed to prevent or limit access to this website;

(v) Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;

(vi) Deep-link to any portion of this website (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or

(vii) "Frame", "mirror" or otherwise incorporate any part of this webite into any other website without our prior written authorization.


Submitted Content

CML does not claim ownership of any materials you make available through the website. At CML's sole discretion, such materials may be included in the service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the website, you grant CML a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content). You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this section. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the website. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit

You are prohibited from posting or transmitting to or from this website:

(i) Any unlawful, threatening, libelous, 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.