Privacy Policy

Thank you for using https://www.stancap.co.in/. This Website is a digital property owned and operated by Standard Capital Markets Limited or any of its affiliates or associate companies or subsidiaries (hereafter collectively referred to as “Company”, “SCML", “we”, “us”, or “our”) which, prescribes this Privacy Policy (the “Privacy Policy” / “Policy”), last updated on the date mentioned above, and describes how we collect, use, and disclose your Personal Information when you visit or use our website https://www.stancap.co.in/ (the “Site”), email plugins, chrome extension and any other website or mobile application or plugins that links to this Privacy Policy in Our capacity as a controller of your Personal Information.

This electronic record is generated by a computer system and does not require any physical or digital signatures. By visiting our website or using our services, you are consenting to be bound by this User Agreement. Please ensure that you read and understand all the provisions of this document before you start using https://www.stancap.co.in/, as you shall be bound by all the terms and conditions herein of this electronic contract. If this document is not in a language that you understand, you shall contact SCML at the email info@stancap.co.in. By using our services, you are agreeing to be bound by the terms of this Privacy Policy.

IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THIS WEBSITE OR AVAIL ANY OF THE SERVICES BEING PROVIDED THEREIN.

This Privacy Policy explains what information of yours will be collected when you visit the website or access the Services provided herein, how such Personal Information will be used, and how you can control the collection, correction, and/or deletion of your Personal Information. We will not use or share your Personal Information with anyone except as described in this Privacy Policy. The use of information collected through our Sites shall be limited to the purposes under this Privacy Policy and our Terms of Service (the “Terms”) to customers. Capitalised terms not specifically defined herein shall have the same meaning as described to them in the Terms.

Supplemental clauses in the privacy policy or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to the Privacy Policy from time to time. We will alert you about any changes by updating the “Last updated” date of this Privacy Policy, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms of Privacy Policy every time you use our Site so that you understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Privacy Policy by your continued use of the Site after the date such revised Privacy Policy is posted.

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at info@stancap.co.in.

SUMMARY OF KEY POINTS

What personal information do we process? When you visit, use, or navigate our website, we may process personal information depending on how you interact with SCML and the Services, the choices you make, and the products and features you use.

Do we process any sensitive personal information? We may process sensitive personal information, when necessary, with your consent or as otherwise permitted by applicable law.

Do we receive any information from third parties? We may receive information from public databases, marketing partners, media platforms, and other outside sources.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.⁹o

In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties.

How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.

How do I exercise my rights? The easiest way to exercise your rights is by sending an email to us at: info@stancap.co.in or by contacting us. We will consider and act upon any request by applicable data protection laws.

Overview of the Policy

This Privacy Policy applies to the Users of SCML Services anywhere in India, including the Users of its features and other services. This Privacy Policy describes how SCML and its affiliates collect and use your personal data.

https://www.stancap.co.in/ is a digital property owned and operated by Standard Capital Markets Limited. We are committed to protecting and respecting your privacy. We do collect your personal information and process your personal data in accordance with the Information Technology Act, 2000 (also known as ITA-2000, or the IT Act), Digital Personal Data Protection Act, 2023 (DPDP Act), and other national and state laws that relate the processing of your personal data.

We collect your information in order to provide and continually improve our and host’s services. Our Privacy Policy is subject to change at any time without notice, to make sure you are aware of any changes, please review this Policy periodically. All the Independent Partners, who are working with or for us, or who have access to personal information, will be expected to read and comply with this Policy. No third party may access or process sensitive personal information held by us without having first entered into a Confidentiality Agreement.

1. Definitions & Interpretations

• 1.1 Definitions, for the purposes of this Privacy Policy:
  • 1.1.1. “Account” means an account created for You to access our Financial Services or parts of our Service.
  • 1.1.2. “Business”, refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Customers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of customers' personal information, that does business.
  • 1.1.3. “Company” (referred to as either "the Company", "We", "Us" or "Our" or ‘SCML’ in this Agreement) refers to Standard Capital Markets Limited
  • 1.1.4. “Country” refers to India.
  • 1.1.5. “Cookies” are small files that are placed on Your computer, mobile device, or any other device by a website, containing the details of Your browsing history on that website among its many uses.
  • 1.1.6. “Device” means any device that can access the Service such as a computer, a cell phone, or a digital tablet.
  • 1.1.7. “Personal Data” is any information that relates to an identified or identifiable individual. It means any information relating to You such as a name, an identification number, location data, online identifier, or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity.
  • 1.1.8. “Service” refers to the loan or financial services available and offered by SCML.
  • 1.1.9. “Usage Data” refers to data collected automatically, either generated by the use of the Website or Service or from the Website or Service infrastructure itself (for example, the duration of a page visit).
  • 1.1.10. “Website” refers to https://www.stancap.co.in/.
  • 1.1.11. “You” means the Individual, Company, Group, Organization, or Entity that is accessing, using, or providing the Services, or the company, or other legal entity on behalf of which such individual is accessing or using or providing the Services, as applicable.

2. Collection of your Personal Data

• 2.1 Personal Data: While using Our Service, we may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
  • 2.1.1 Email address
  • 2.1.2 First name and last name
  • 2.1.3 Phone number
  • 2.1.4 Address, State, Province, ZIP/Postal code, City
  • 2.1.5 Usage Data
• 2.2 Usage Data
  • 2.2.1 Usage Data is collected automatically when using the Website or Service.
  • 2.2.2 Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Website or Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
  • 2.2.3 When You access the Website or Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device's unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
  • 2.2.4 We may also collect information that Your browser sends whenever You visit our Website or Service or when You access it by or through a mobile device.

3. Sources of Personal Information

• 3.1 We obtain the categories of personal information listed above from the following categories of sources:
  • 3.1.1. Directly from You. For example, from the forms You complete on our Website or Service, preferences You express or provide through our Service, or from Your purchases of Service.
  • 3.1.2. Indirectly from You. For example, from observing Your activity on our Loan or other financial services.
  • 3.1.3. Automatically from You. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service.
  • 3.1.4. From Service Providers. For example, third-party vendors to monitor and analyze the use of our Service, third-party vendors for payment processing, or other third-party vendors that We use to provide the Service to You.

4. Use of your Personal Data

• 4.1. We may use Personal Data for the following purposes:
  • 4.1.1. To provide and maintain our Service, including monitoring the usage of our Service.
  • 4.1.2. To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
  • 4.1.3. To provide You with news, special offers, and general information about other goods, services, and events that we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
  • 4.1.4. To manage Your requests: To attend and manage Your requests to Us.
  • 4.1.5. For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
  • 4.1.6. For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and evaluating and improving our Service, products, services, marketing, and your experience.
  • 4.2. SCML may use the information collected to communicate with you about products, services, promotions, studies, surveys, news, updates, and events. SCML may also request your feedback on the Services.
  • 4.3. We may use your information for any other purpose disclosed to you at the time we collect or receive the information, or otherwise with your consent.

5. Retention of your Personal Data

• 5.1. SCML retains the Personal Information collected where an ongoing legitimate business requires the retention of such Personal Information. In the absence of a need to retain your Personal Information as specified herein, we will either delete or aggregate your Personal Information or, if this is not possible then We will securely store your Personal Information and isolate it from any further processing until deletion is possible.
• 5.2. We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
• 5.3. We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer periods.

6. Storage, Protection, and Transfer of Your Data

• 6.1. Your Personal Information and files including their backups are stored on SCML servers and the servers of companies we hire to provide services to Us. Your Personal Information may be transferred across national borders because We may have servers located outside India, and the companies we hire to help us run our business may be located in different countries around the world.
• 6.2. Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
• 6.3. We will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
• 6.4. We take due care to protect Users' data. Technical measures are in place to prevent unauthorized access to data and against accidental loss or destruction of, or damage to, data. The employees who are dealing with the data have been trained to protect the data form any illegal or unauthorized usage.
• 6.4. We take due care to protect Users' data. Technical measures are in place to prevent unauthorized access to data and against accidental loss or destruction of, or damage to, data. The employees who are dealing with the data have been trained to protect the data form any illegal or unauthorized usage.
• 6.6. SCML takes steps to ensure that when your personal information is transferred internationally, it is subject to appropriate safeguards in accordance with data protection laws. Often, these safeguards include contractual safeguards. More information about these safeguards (including copies, where relevant) can be obtained by contacting us.

7. Legal Basis

• 7.1. Our legal basis for collecting and using the Personal Information described above will depend on the Personal Information concerned and the specific context in which We collect it.
• 7.2. We will normally collect Personal Information from you only where it is needed to perform a contract with you, where the processing is in Our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or where We have your consent. In some cases, we may also have a legal obligation to collect Personal Information from you. If We process your Personal Information with reliance on your consent, you may withdraw your consent at any time.
• 7.3. If you have questions or need further information concerning the legal basis on which we collect and use your Personal Information, please contact Us.

8. Cookies & Browsing

• 8.1. Tracking Technologies and Cookies
  • 8.1.1. We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
  • 8.1.1.1. Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse cookies, our Service may use Cookies.
  • 8.1.1.2. Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
  • 8.1.2. Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.
• 8.2. We use both Session and Persistent Cookies for the purposes set out below:
  • 8.2.1. Necessary / Essential Cookies
    • 8.2.1.1. Type: Session Cookies
    • 8.2.1.2. Administered by: Us
    • 8.2.1.3. Purpose: These Cookies are essential to provide You with services through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts.
  • 8.2.2. Cookies Policy / Notice Acceptance Cookies
    • 8.2.2.1. Type: Persistent Cookies
    • 8.2.2.2. Administered by: Us
    • 8.2.2.3. Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
  • 8.2.3. Functionality Cookies
    • 8.2.3.1. Type: Persistent Cookies
    • 8.2.3.2. Administered by: Us
    • 8.2.3.3. Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid having to re-enter your preferences every time You use the Website.
  • 8.2.4. Tracking and Performance Cookies
    • 8.2.4.1. Type: Persistent Cookies
    • 8.2.4.2. Administered by: Third-Parties
    • 8.2.4.3. Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.

9. Third-Party Sharing

• 9.1. We may also share your Personal Information externally with other third-party service providers, which might include, but is not necessarily limited to the companies who provide us with third-party services, business entities, hosts that provide email address management, and communication contact services, network equipment and application management and other service providers which may be involved in the other types of services and activities otherwise discussed in this privacy policy.
• 9.2. We may also share your Personal Information for the purposes including but not limited to the below:
  • 9.2.1. When you agreed to share: If you are a business customer and agreed to receive SCML marketing communications. Note that we do not share Personal Information about consumers with third parties for their marketing purposes unless the customer agrees to that sharing.
  • 9.2.2. When we are required to provide information in response to a subpoena, court order, or other applicable law or legal process.
  • 9.2.3. When we have a good faith belief that the disclosure is necessary to prevent or respond to fraud, defend our apps or websites against attacks, or protect the property and safety of SCML, our customers and users, or the public.
  • 9.2.4. If we merge with or are acquired by another company, sell SCML, apps, or business units, or if all or a substantial portion of our assets are acquired by another company. In those cases, your information will likely be one of the assets that is transferred.
• 9.3. We display personal testimonials of customers on our Site in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us.
• 9.4. Further, you agree that SCML may transfer the anonymous information we collect in the event of any corporate restructuring or any sale, assignment, or transfer of substantially all of its rights in the Apps.
• 9.5. Some elements on the Site, such as any sponsored links advertising, are supplied to us by third parties under contract. We may supply some of your Personal Information to those third parties including complying with Google API Services, in case you have any query regarding the removal and/or deletion of such contact you can write to us.

10. Data requests from the Law Enforcement Agency

• 10.1. We do not sell, trade, or otherwise transfer your Personal Information except by this Policy. We do not share any information that directly identifies you with any third party, except in the following limited cases:
  • 10.1.1. As required to comply with applicable law or regulation, or to comply with law enforcement;
  • 10.1.2. To respond to claims and/or legal processes;
  • 10.1.3. To protect our rights or our property, or to enforce our Terms of Service;
  • 10.1.4. To help ensure the safety of the public or an individual;
  • 10.1.5. To prevent behaviour that is (or that we think may be) illegal or unethical;
  • 10.1.6. With your consent, or at your request or direction; or
  • 10.1.7. As otherwise outlined in this Policy.

11. Security & Data Deletion Requests

• 11.1. Your Personal Information is extremely important to us. Your information resides on a secure server that only selected personnel have access to. Promotional and referral codes are random alphanumeric sequences that are encrypted. In addition to our precautions, it is important that you do not share your password with anyone. Although we try our best to protect your information, we cannot eliminate security risks associated with Personal Information.
• 11.2. The right to delete Personal Data. You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:
  • 11.2.1. Complete the transaction for which We collected the personal information, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
  • 11.2.2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • 11.2.3. Debug products to identify and repair errors that impair existing intended functionality.
  • 11.2.4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  • 11.2.5. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement if You previously provided informed consent.
  • 11.2.6. Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.
  • 11.2.7. Comply with a legal obligation.
  • 11.2.8. Make other internal and lawful uses of that information that are compatible with the context in which You provided it.

12. Your Rights under the DPDP Act

• 12.1. You may exercise Your rights of access, rectification, cancellation, and opposition by contacting Us. Please note that we may ask You to verify Your identity before responding to such requests. If You make a request, We will try our best to respond to You as soon as possible.
• 12.2. Please Note, we may process Personal Data under the following conditions:
  • 12.2.1. If you have given your consent;
  • 12.2.2. Performance of a contract;
  • 12.2.3. Legal obligations;
  • 12.2.4. To protect your vital interests;
  • 12.2.5. In Public and Legitimate Interests.
• 12.3. Your Rights under the DPDP: SCML undertakes to respect the confidentiality of Your Personal Data and to guarantee You can exercise Your rights. You have the right under this Privacy Policy, and by law if You are within the Indian territory, to:
  • 12.3.1. Request access to Your Personal Data.
  • 12.3.2. Request correction of the Personal Data
  • 12.3.3. Object to processing of Your Personal Data.
  • 12.3.4. Request erasure of Your Personal Data.
  • 12.3.5. Request the transfer of Your Personal Data.
  • 12.3.6. Withdraw Your consent.
• 12.4. In any case, SCML will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

13. Changes to this Privacy Policy

• 13.1. We may update Our Privacy Policy from time to time and will update the changes by posting the new Privacy Policy on this page and update the “Last updated” date at the top of this Privacy Policy.
• 13.2. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

14. Contact Us

• 14.1. If you have any questions about this Privacy Policy, you can contact us during normal business hours.
• 14.2. If you have any questions about this Privacy Policy, the practices of our website, or your dealings with SCML and you would like to ask about or complain about how we process your personal information, please contact us for support, or mail us at info@stancap.co.in

Terms and Conditions

Welcome to https://www.stancap.co.in/. This Website is owned and operated by Standard Capital Markets Limited, having its registered office at G-17, Krishna Apra Business Square, Netaji Subhash Place, Pitampura, Delhi, 110034. By using SCML loan services or the services provided herein, you are agreeing to be bound by our terms and conditions.

This electronic record is generated by a computer system and does not require any physical or digital signatures. By engaging with SCML’s services through our website https://www.stancap.co.in/, you are expressly consenting to be bound by the terms outlined in this User Agreement. Please ensure that you read and understand all the provisions of this document before you start using the SCML services. If you do not agree or accept any of the Terms and Conditions contained herein, then please do not use SCML’s website or avail any of the services being provided therein.

If this document is not in a language that you understand, you shall contact SCML at the email info@stancap.co.in

By visiting our website and accessing the information, services, and products we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as “User Agreement”), along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy link of this Website for more information).

We reserve the right to change this User Agreement from time to time without notice. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

This document is an electronic record in terms of the Information Technology Act, 2000 and rules thereunder as applicable and the amended provisions about electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3(1) of Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, Privacy Policy and Terms & Conditions, and Terms of Use for access or usage through the domain and sub-domains of Standard Capital Markets Limited.

1. Agreement to Terms

• 1.1. These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“User”) and Standard Capital Markets Limited, doing business as SCML ("SCML ", “we”, “us”, or “our”), concerning your access to and use of the https://www.stancap.co.in/ website as well as any other media form, media channel, mobile website related, linked, or otherwise connected thereto (collectively, the “Site”). You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms of Use.
• 1.2. If you do not agree with all of these terms of use, then you are expressly prohibited from using the site and you must discontinue use immediately.
• 1.3. Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use from time to time. We will alert you about any changes by updating the “Last updated” date of these Terms of Use, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use our Site so that you understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted.
• 1.4. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
• 1.5. The users shall provide their financial data and details only after agreeing with the terms of use.
• 1.6. The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.
• 1.7. By accessing and/or using the Platform https://www.stancap.co.in/, you agree to be bound by these Terms of Use. whether you are:
  • 1.7.1. a “Customer,” meaning that you are availing any of the loan services from https://www.stancap.co.in/, you acknowledge and agree to the terms and conditions outlined in this agreement.
  • 1.7.2. A “User” means any individual or entity that accesses or utilizes the services provided by SCML. This includes but is not limited to individuals seeking loan services, borrowers, applicants, visitors to the website, and any other party interacting with the https://www.stancap.co.in/. The term "user" encompasses both registered account holders and individuals accessing the website without registration.
• 1.8. For these Terms of Use, along with any amendments to the same. The terms “We”, “Us”, and “Our” shall mean and refer to the https://www.stancap.co.in/ and/or the https://www.stancap.co.in/, depending on the context.
• 1.9. You are authorized to use the https://www.stancap.co.in/ services only if you agree to abide by all Applicable laws, rules, and regulations and these Terms of Use.
• 1.10. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN YOU MAY NOT ACCESS OR USE SCML SERVICES AND ITS ONLINE PLATFORM. SCML ACCEPTANCE IS EXPRESSLY CONDITIONED UPON YOUR ASSENT TO ALL OF THE TERMS AND CONDITIONS OF THESE TERMS OF USE, TO THE EXCLUSION OF ALL OTHER TERMS.
• 1.11. We reserve the right to change or modify these Terms of Use at our sole discretion at any time. Any change or modification to these Terms of Use will be effective immediately upon posting by Standard Capital Markets Limited on a Platform. You are responsible for periodically reviewing the most up-to-date version of these Terms of Use.
• 1.12. Your continued use of the Digital Platforms of SCML or Online Content constitutes acceptance of any changes or modifications made by us to these Terms of Use.

2. User Representations

• 2.1. By using the Site, you represent and warrant that:
  • 2.1.1. All information you submit for loan application will be true, accurate, current, and complete;
  • 2.1.2. You will maintain the accuracy of such information and promptly update such information as necessary;
  • 2.1.3. You have the legal capacity and you agree to comply with these Terms of Use;
  • 2.1.4. You are not a minor in the jurisdiction in which you reside.
  • 2.1.5. You are not “incompetent to contract” within the meaning of the Indian Contract Act, of 1872;
  • 2.1.6. You will not access https://www.stancap.co.in/ through automated or non-human means, whether through a bot, script, or otherwise.
  • 2.1.7. You will not use https://www.stancap.co.in/ for any illegal or unauthorized purpose; and
  • 2.1.8. Your use of https://www.stancap.co.in/ will not violate any applicable law or regulation.
• 2.2. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your application and refuse any and all current or future use of our services (or any portion thereof).

3. Overview of Services

• 3.1. https://www.stancap.co.in/ is an online platform facilitating loan services to users. SCML platform offers a range of financial services, which includes personal loan, working capital loan, gold loan and syndication of loan. Through our user-friendly interface, individuals and businesses can easily access and avail themselves of these loan services to meet their varied financial needs and aspirations.
• 3.2. We reserve the right to correct any errors or mistakes in loan terms, interest rates, or other loan-related information provided on our platform. Prior intimation shall be given to the SCML for any corrections or modifications to the loan terms.
• 3.3. SCML prohibits engaging in any illegal activities, including but not limited to money laundering, fraud, bribery, corruption, terrorist financing, or any other unlawful conduct. Additionally, the SCML strictly prohibits providing loans for any purposes that are illegal or contrary to applicable laws and regulations. Any violation of this prohibition may result in immediate termination of services and legal action.

4. Access to your Information

• 4.1. The customers have the right to see what categories of personal information https://www.stancap.co.in/ collects about them. It is explained in the Privacy Policy section of the https://www.stancap.co.in/. However, Standard Capital Markets Limited reserves the right to withhold certain sensitive information, where disclosure may pose a significant risk to the customer, their personal information, or the integrity of our business operations.

5. Prohibited Activities

• 5.1. You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us.
• 5.2. As a user of the Site, you agree not to:
  • 5.2.1. Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • 5.2.2. Trick, defraud, or mislead us and other users.
  • 5.2.3. Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.
  • 5.2.4. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
  • 5.2.5. Use any information obtained from the Site to harass, abuse, or harm another person.
  • 5.2.6. Make improper use of our support services or submit false reports of abuse or misconduct.
  • 5.2.7. Use the Site in a manner inconsistent with any applicable laws or regulations.
  • 5.2.8. Engage in unauthorized framing of or linking to the Site.
  • 5.2.9. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.
  • 5.2.10. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
  • 5.2.11. Delete the copyright or other proprietary rights notice from any Content.
  • 5.2.12. Attempt to impersonate another user or person or use the username of another user.
  • 5.2.13. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).
  • 5.2.14. Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.
  • 5.2.15. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.
  • 5.2.16. Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.
  • 5.2.17. Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
  • 5.2.18. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.
  • 5.2.19. Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.
  • 5.2.20. Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means to send unsolicited email, or create user accounts by automated means or under pretences.

6. Intellectual Property Rights

• 6.1. Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws, international copyright laws, and international conventions.
• 6.2. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
• 6.3. Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content, and the Marks.
• 6.4. The user may not modify, distribute, or re-post anything on https://www.stancap.co.in/ for any purpose. The names and logos and all related product and service names, design marks, and slogans are the trademarks/service marks of Standard Capital Markets Limited, its affiliates, its partners, or its suppliers/service providers.
• 6.5. The Company is not responsible for the content of any third-party sites and does not make any representations regarding the content or accuracy of material on such sites. If you decide to access a link to any third-party websites, you do so entirely at your own risk and expense.

7. Submissions

• 7.1. You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site ("Submissions") provided by you to us are non-confidential and shall become our sole property.
• 7.2. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.

8. Advertisers

• 8.1. We allow advertisers to display their advertisements and other information in certain areas of the Site, such as sidebar advertisements or banner advertisements. If you are an advertiser, you shall take full responsibility for any advertisements you place on the Site and any services provided on the Site or products sold through those advertisements.
• 8.2. Further, as an advertiser, you warrant and represent that you possess all rights and authority to place advertisements on the Site, including, but not limited to, intellectual property rights, publicity rights, and contractual rights. We simply provide the space to place such advertisements, and we have no other relationship with advertisers.

9. Site Management

• 9.1. We reserve the right, but not the obligation, to (1) monitor the Site for violations of these Terms of Use; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (4) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.

10. Privacy Policy

• 10.1. We care about data privacy and security. By using the Site, you agree to be bound by our Privacy Policy posted on the Site, which aligns with these Terms of Use. Please be advised the Site is hosted in India. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in India, then through your continued use of the Site, you are transferring your data to India, and you agree to have your data transferred to and processed in India. You may access the Privacy Policy in the Privacy Policy section of the website.

11. Term and Termination

• 11.1. These Terms of Use shall remain in full force and effect while you use the Site. Without limiting any other provision of these terms of use, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the site (including blocking certain IP addresses), to any person for any reason or no reason, including without limitation for breach of any representation, warranty, or covenant contained in these terms of use or any applicable law or regulation. We may terminate your use or participation in the site and any content or information that you posted at any time, without warning, in our sole discretion.
• 11.2. If we terminate your usage or participation on the website, you cannot avail of the services using the same. We reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

12. Modifications and Interruptions

• 12.1. We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.
• 12.2. We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

13. Governing Law

• 13.1. These Terms shall be governed by and defined following the laws of India. Standard Capital Markets Limited and you irrevocably consent that the courts of India at Delhi shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

14. Dispute Resolution

• 14.1. Informal Negotiations: The Parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.
• 14.2. Binding Arbitration: Any dispute arising out of or in connection with this contract, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by the Arbitrator following the procedure mentioned in the Arbitration and Conciliation Act, 1996. The seat, or legal place, of arbitration, shall be Delhi, India. The language to be used in the arbitral proceedings shall be English. The governing law of the contract shall be the substantive law of India.

15. Corrections Rights

• 15.1. There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.

16. Disclaimer

• 16.1. The site is provided on an as-is and as-available basis. You agree that your use of the site and our services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the site and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• 16.2. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the site, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.

17. Limitation of Liability

• 17.1. In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages.

18. Indemnification

• 18.1. You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of (1) use of the Site; (2) breach of these Terms and Condition of Use; (3) any breach of your representations and warranties outlined in these Terms and Condition of Use.
• 18.2. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding that is subject to this indemnification upon becoming aware of it.

19. User Data

• 19.1. We will maintain certain data that you transmit to the Site to manage the performance of the Site, as well as data relating to your use of the Site. Although we perform routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site.
• 19.2. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

20. Electronic Communications and Transactions

• 20.1. Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email, and on the Site, satisfy any legal requirement that such communication be in writing.
• 20.2. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction that require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

21. Miscellaneous

• 21.1. These Terms of Use and any policies or operating rules posted by us on the Site or concerning the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision.
• 21.2. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time.
• 21.3. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.
• 21.4. The data collected is governed by the Information Technology Act 2000 and all the amendments thereto.

22. Contact Us

• 22.1. Any notices or other communications required or permitted in terms of these presents shall be deemed to have been duly served if, (a) delivered in person; or (b) sent by registered or certified mail, return receipt requested, or (c) email; and addressed as follows:
•  
• Standard Capital Markets Limited
  G-17, Krishna Apra Business Square, Netaji Subhash Place, Pitampura, Delhi, 110034