Privacy Policy

Manappuram Chits (India) Limited and Manappuram Chits(Karnataka) Private Limited (hereinafter called Manappuram Chits) are strongly committed to protect the personal and financial information that the user of the website (hereinafter called "user(s)") submits to us and would endeavor to protect it from unauthorized use. Manappuram Chits assures the users that the information made available to us will be kept in strict confidentiality and we will use the information only to service their account better, to provide them with products and services that they may have requested. We do not sell users personal information to third parties. We shall not reveal information or data relating to chit accounts, whether provided by the member or otherwise, to anyone, including other companies, entities in their group, other than in the following exceptional cases:
1. If the information is to be given by law.
2. If there is a duty towards the public to reveal the information.
3. If Manappuram Chits is asked to give a reference about Customers, Manappuram Chits shall obtain his / her written permission before giving it.
The users authorizes Manappuram Chits to exchange, share, part with all information related to the details and transaction history of the users to its Affiliate regulatory authorities / banks / financial institutions / credit bureaus / agencies / participation in any form as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Manappuram Chits liable for use or disclosure of this information. Other websites that the users may access via website may have different privacy policies and access to such web sites will not be subject to this privacy policy. We recommend that the users read the privacy statement of each such website to find out how they protect their personal information. Due to changes in legislation or enhancements to functionality and content on the website, we may make changes to privacy policy (without being obliged to do so) and would reflect those changes in this privacy policy statement. Hence the users are requested to go through the privacy policy statement on a regular basis.
Please note that this privacy policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.


Disclaimer and Privacy Policy - Kerala

Please read the terms and conditions carefully before accessing any material/ information available on this website. Only visitors agreeing for these terms may access the site for membership or for availing any of the free or paid services offered by the site and agents etc. If you do not agree with any of these terms and condition, you are not advised to further access the site or register for membership.

This is a legal agreement ("Agreement") between the visitor/member and Manappuram Chits (India) Limited, herein after referred to as Company.

1. Access and Use: Access to the site cannot be had unless and until these terms and conditions are read and consented to. This site is primarily intended to provide information about the company, the Chit Fund operations, the schemes, the guidelines to the prospective customers and online information to the extent possible, to the existing customers.

2. Membership: The members are required to be Citizens of India, competent to contract under Indian laws and avail services offered by the site. The individuals seeking membership may at the discretion of company be asked to furnish proof of their identity, residence, income and such other information before granting access to the site or membership.
The visitors/ members must submit and subject themselves to the laws of India and to the jurisdiction of law courts which exercise territorial jurisdiction over the place where the branch office offering or providing the services is located, for resolution of any dispute arising out of any eventuality related and/or attributable to the information posted in the site or sites linked to this site. The membership to the site is for the sole, exclusive, personal use of the subscribers/members of company. The member cannot authorize others to use his/her membership, and the member cannot assign or otherwise transfer the membership account to any other person or entity.

3. Cancellation of Membership: We reserve the right to suspend or terminate your subscription, with or without notice and without further obligation to you if you breach these terms and conditions.  The member who thus forfeits the membership to the site shall not have any claim whatsoever against Company in respect of services provided on the site.
4. Ownership: All rights, title and interest (including but not limited to all copy rights, trademarks and other intellectual property right, if any) in this website belonging to Company.
5. Intellectual property rights: The members/ Visitors shall ensure that there is no violation of intellectual property rights like Trademarks, copyright in artistic works, photographs, creative, graphics, layout, design, text, video, audio etc. The intellectual property rights like Trademarks, copyright in artistic works, photographs, creative, graphics, layout, design, text, video, audio etc shall exclusively vest in Company. Copying, storage, transmission, circulation of any information including photographs, chit information, schemes, addresses, etc displayed on the site, is strictly prohibited. Any violation of such Copyright of Company by copying, publishing, distributing, modifying, transferring, altering, imposing, defacing shall be punishable under the Copyright laws. Company reserves the right to make such additions, alterations, modifications, insertions, improvements, decorations for the betterment and quality enhancement of the material displayed on the site.

6. Duties, Liabilities and Responsibilities of Visitors and Members: The members shall furnish truthful, authentic, relevant, valid, current, fair information. The members / visitors shall not re-transmit or otherwise disseminate the information on the site to any third parties, even if such third parties are subscribers or intending subscribers of Company. The visitors or members should not send abusive, threatening, coercive, harassing, indecent, obscene mails to the other members or the staff of Company, in respect of the information posted on the site. The members/visitors shall be solely responsible and liable for all the consequences arising out of any infringement of copyrights, proprietary rights including but not limited to damages, attorney fees and expenses. All articles, stories, information, news, views, incidents, occurrences etc and any information relating to special services that may be posted or displayed on the site are purely that of the respective authors. Members/ visitors/users are requested to crosscheck the information from sources that are most reliable and trusted in their personal opinion. Company shall not be liable for any action, damages, indemnity, cost, expenses that the members/visitors/ users may have sustained or incurred from the use of such information.

7. Errors and Discrepancies: While Company takes every care and cautions to maintain the site free of errors and discrepancies; it is possible for some mistakes to creep into the site by inadvertence, oversight, human error, innocence and honest belief in the information in good faith. Company is not liable in respect of innocent dissemination of such information and the liability of Company is limited to removal of such errors and discrepancies from the site.

8. Confirmation: All the information relating to the chit schemes is provisional and subject to confirmation with the Manager of the concerned branch.
9. Risk: While every endeavor is made to make the site free of any bugs, errors, viruses, failures, delay in transmission etc. Company does not guarantee that the site or any of the services offered would be free of bugs, errors, viruses, failures and company does not accept any responsibility or liability for any such bugs, errors, viruses, failures delay in transmission etc in the site. The membership/access to the site is available subject to the condition that the site is accessed / used at the sole risk of the member/visitor. Company cannot and does not guarantee about the availability of connection to the site, the services and facilities nor does it assure any accuracy, quality, quantity, genuineness and promptness of any of the services offered on the site.
10. Disclaimer of Warranties and Limitation of Liability: Company also does not give any warranty whatsoever either expresses or implied, of any disruption, interruption, breakdown of the site or services offered by Company or its agents, business affiliates, associates, agencies, franchisees etc. Company is not liable for any damages to any members or visitors or user or third parties for any injury or damage or hardship that they might have been sustained by them on account of any error, failure, discrepancy, defect, shortfall, misdescription; any bugs, errors, viruses, failures delay in transmission etc in the site; any excessive, exaggerated, inaccurate, erroneous material on the site. The members/visitors/users of the site specifically agree to this and discharge company from any liability whatsoever for the said acts. None of the staff or directors or officers or employees or agents of Company shall be liable for any of the claims, losses, damages, costs, expenses that any one may have sustained in any manner whatsoever or likely to sustain in any manner whatsoever by the use and access of the site.
11. Secrecy: The members are required to maintain secrecy of the information passed on to them by Company in good faith. They are also required to maintain strict secrecy of passwords, Chit reference numbers etc that may be allotted to the members on an exclusive basis. Company shall not be responsible for any misuse of the passwords, chit reference numbers of the members due to dissemination of such information even if it is accidental or innocent.


Disclaimer and Privacy Policy - Karnatka


Please read the terms and conditions carefully before accessing any material/ information available on this website. Only visitors agreeing for these terms may access the site for membership or for availing any of the free or paid services offered by the site and agents etc. If you do not agree with any of these terms and condition, you are not advised to further access the site or register for membership.

This is a legal agreement ("Agreement") between the visitor/member and Manappuram Chits (Karnatka) Private Limited, herein after referred to as Company.

1. Access and Use: Access to the site cannot be had unless and until these terms and conditions are read and consented to. This site is primarily intended to provide information about the company, the Chit Fund operations, the schemes, the guidelines to the prospective customers and online information to the extent possible, to the existing customers.
Disclaimer and Privacy Policy
2. Membership: The members are required to be Citizens of India, competent to contract under Indian laws and avail services offered by the site. The individuals seeking membership may at the discretion of company be asked to furnish proof of their identity, residence, income and such other information before granting access to the site or membership.
The visitors/ members must submit and subject themselves to the laws of India and to the jurisdiction of law courts which exercise territorial jurisdiction over the place where the branch office offering or providing the services is located, for resolution of any dispute arising out of any eventuality related and/or attributable to the information posted in the site or sites linked to this site. The membership to the site is for the sole, exclusive, personal use of the subscribers/members of company. The member cannot authorize others to use his/her membership, and the member cannot assign or otherwise transfer the membership account to any other person or entity.

3. Cancellation of Membership: We reserve the right to suspend or terminate your subscription, with or without notice and without further obligation to you if you breach these terms and conditions.  The member who thus forfeits the membership to the site shall not have any claim whatsoever against Company in respect of services provided on the site.
4. Ownership: All rights, title and interest (including but not limited to all copy rights, trademarks and other intellectual property right, if any) in this website belonging to Company.
5. Intellectual property rights: The members/ Visitors shall ensure that there is no violation of intellectual property rights like Trademarks, copyright in artistic works, photographs, creative, graphics, layout, design, text, video, audio etc. The intellectual property rights like Trademarks, copyright in artistic works, photographs, creative, graphics, layout, design, text, video, audio etc shall exclusively vest in Company. Copying, storage, transmission, circulation of any information including photographs, chit information, schemes, addresses, etc displayed on the site, is strictly prohibited. Any violation of such Copyright of Company by copying, publishing, distributing, modifying, transferring, altering, imposing, defacing shall be punishable under the Copyright laws. Company reserves the right to make such additions, alterations, modifications, insertions, improvements, decorations for the betterment and quality enhancement of the material displayed on the site.

6. Duties, Liabilities and Responsibilities of Visitors and Members: The members shall furnish truthful, authentic, relevant, valid, current, fair information. The members / visitors shall not re-transmit or otherwise disseminate the information on the site to any third parties, even if such third parties are subscribers or intending subscribers of Company. The visitors or members should not send abusive, threatening, coercive, harassing, indecent, obscene mails to the other members or the staff of Company, in respect of the information posted on the site. The members/visitors shall be solely responsible and liable for all the consequences arising out of any infringement of copyrights, proprietary rights including but not limited to damages, attorney fees and expenses. All articles, stories, information, news, views, incidents, occurrences etc and any information relating to special services that may be posted or displayed on the site are purely that of the respective authors. Members/ visitors/users are requested to crosscheck the information from sources that are most reliable and trusted in their personal opinion. Company shall not be liable for any action, damages, indemnity, cost, expenses that the members/visitors/ users may have sustained or incurred from the use of such information.

7. Errors and Discrepancies: While Company takes every care and cautions to maintain the site free of errors and discrepancies; it is possible for some mistakes to creep into the site by inadvertence, oversight, human error, innocence and honest belief in the information in good faith. Company is not liable in respect of innocent dissemination of such information and the liability of Company is limited to removal of such errors and discrepancies from the site.

8. Confirmation: All the information relating to the chit schemes is provisional and subject to confirmation with the Manager of the concerned branch.
9. Risk: While every endeavor is made to make the site free of any bugs, errors, viruses, failures, delay in transmission etc. Company does not guarantee that the site or any of the services offered would be free of bugs, errors, viruses, failures and company does not accept any responsibility or liability for any such bugs, errors, viruses, failures delay in transmission etc in the site. The membership/access to the site is available subject to the condition that the site is accessed / used at the sole risk of the member/visitor. Company cannot and does not guarantee about the availability of connection to the site, the services and facilities nor does it assure any accuracy, quality, quantity, genuineness and promptness of any of the services offered on the site.
10. Disclaimer of Warranties and Limitation of Liability: Company also does not give any warranty whatsoever either expresses or implied, of any disruption, interruption, breakdown of the site or services offered by Company or its agents, business affiliates, associates, agencies, franchisees etc. Company is not liable for any damages to any members or visitors or user or third parties for any injury or damage or hardship that they might have been sustained by them on account of any error, failure, discrepancy, defect, shortfall, misdescription; any bugs, errors, viruses, failures delay in transmission etc in the site; any excessive, exaggerated, inaccurate, erroneous material on the site. The members/visitors/users of the site specifically agree to this and discharge company from any liability whatsoever for the said acts. None of the staff or directors or officers or employees or agents of Company shall be liable for any of the claims, losses, damages, costs, expenses that any one may have sustained in any manner whatsoever or likely to sustain in any manner whatsoever by the use and access of the site.
11. Secrecy: The members are required to maintain secrecy of the information passed on to them by Company in good faith. They are also required to maintain strict secrecy of passwords, Chit reference numbers etc that may be allotted to the members on an exclusive basis. Company shall not be responsible for any misuse of the passwords, chit reference numbers of the members due to dissemination of such information even if it is accidental or innocent.