Terms and Conditions
Welcome to UNIK FINANCE. These Terms and Conditions govern your access to and use of our website, https://www.cashagainstcreditcardchennai.in/, and the information and services described on it.
By accessing or using this website, you acknowledge that you have read, understood and agreed to these Terms and Conditions. If you do not agree with any part of these terms, please discontinue using the website.
1. About Us
UNIK FINANCE provides information and customer assistance relating to credit-card-related financial services. Our website helps visitors understand the services available and submit enquiries for further information.
All services are subject to applicable laws, regulatory requirements, financial institution policies and the terms imposed by relevant card issuers and payment service providers.
2. Use of the Website
By using this website, you agree:
- To provide accurate and truthful information when submitting an enquiry.
- Not to use the website for unlawful, fraudulent or unauthorised activities.
- Not to attempt to damage, disrupt or interfere with the website’s functionality.
- Not to submit false information or impersonate another person.
- To use the website only for lawful purposes.
We reserve the right to restrict or discontinue access where we reasonably believe these terms have been violated.
3. Services and Service Information
The website may provide information about the following services:
- Cash Against Credit Card
- Credit Card to Bank Transfer
- Credit Card Swipe for Cash
- Online Credit Card Services
- Offline Credit Card Services
The availability and nature of any service depend on the specific transaction, applicable regulations, and the policies of the relevant bank, card issuer and payment service provider.
Descriptions on this website are for general informational purposes and do not guarantee that a particular transaction or service will be available or approved.
4. Eligibility and Customer Responsibilities
Customers making service enquiries must:
- Be legally eligible to use the relevant financial service.
- Provide correct contact and transaction-related information when requested.
- Use only credit cards and financial accounts they are legally authorised to use.
- Comply with the terms and conditions of their card issuer and financial institution.
- Ensure that all transactions are genuine, lawful and properly authorised.
We may decline or discontinue assistance if the information provided is incomplete, inaccurate or raises compliance concerns.
5. Transaction Approval and Bank Policies
Any credit-card transaction is subject to the applicable card issuer’s terms, transaction limits, authorisation procedures and payment-network rules.
UNIK FINANCE does not control the approval decisions, processing timelines or policies of banks, card issuers or payment service providers.
Customers are responsible for checking with their card issuer about applicable restrictions, fees, interest rates and permitted transaction types before proceeding.
We do not guarantee transaction approval, credit limits, fund availability or processing times.
6. Fees and Charges
Any applicable service fees, bank charges, interest, taxes or other costs will depend on the specific service and transaction.
Customers should request and understand the applicable charges before agreeing to proceed with a service.
Any charges imposed directly by banks, card issuers or third-party payment providers are governed by their respective terms and policies.
No fee or rate should be assumed unless it has been clearly communicated and agreed upon for the relevant service.
7. Payments and Refunds
Where a service involves a payment, the applicable payment terms will be communicated to the customer before the transaction is undertaken.
Refund eligibility, where applicable, will depend on the nature of the service, the transaction status and any applicable third-party payment provider or bank policies.
Customers should contact our support team with the relevant transaction details if they have a payment-related concern.
8. Security and Confidential Information
Customers must never share their card PIN, CVV, OTP, internet banking password or other confidential authentication credentials with anyone claiming to represent UNIK FINANCE.
We will not ask customers to disclose these sensitive credentials through website forms, WhatsApp messages, phone calls or other communication channels.
Customers should immediately contact their bank if they suspect unauthorised card usage, suspicious activity or disclosure of confidential banking information.
9. Third-Party Services and Links
Our website may contain links or references to third-party websites, banks, payment providers or other external services.
We do not own or control these third-party platforms and are not responsible for their content, availability, privacy practices, security or terms of service.
Customers should review the relevant third-party terms and policies before using those services.
10. Website Accuracy and Availability
We make reasonable efforts to keep the information on this website accurate and updated. However, service descriptions, eligibility requirements and other information may change without prior notice.
We do not guarantee that the website will always be available, uninterrupted, error-free or free from technical issues.
We reserve the right to update, modify or discontinue any part of the website at our discretion.
11. Limitation of Liability
To the extent permitted by applicable law, UNIK FINANCE shall not be responsible for losses arising from:
- Bank or card issuer decisions, restrictions or declined transactions.
- Delays or interruptions caused by third-party service providers.
- Incorrect information supplied by customers.
- Unauthorised use of a customer’s card or financial account.
- Temporary website interruptions or technical issues beyond our reasonable control.
Nothing in these terms excludes or limits any liability that cannot legally be excluded or limited under applicable law.
12. Privacy and Personal Information
Any personal information submitted through our website or communication channels will be handled in accordance with our Privacy Policy and applicable data protection laws.
Customers are encouraged to read our Privacy Policy to understand how their information may be collected, used, stored and protected.
13. Intellectual Property
Unless otherwise stated, the text, design, graphics, logos, images and other content displayed on this website belong to or are used with permission by UNIK FINANCE.
No website content may be copied, reproduced, distributed or commercially used without prior written permission, except where permitted by law.
14. Changes to These Terms
We may revise or update these Terms and Conditions from time to time to reflect changes in our services, website operations or applicable legal requirements.
Updated terms will be published on this page with a revised date. Continued use of the website after changes are published indicates acceptance of the updated terms, to the extent permitted by law.
15. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by the laws of India.
Subject to applicable law, disputes relating to the use of this website or the services described on it shall be subject to the jurisdiction of the competent courts in Chennai, Tamil Nadu.
16. Contact Us
If you have questions or concerns regarding these Terms and Conditions, you may contact us:
Business Name: UNIK FINANCE
Website: https://www.cashagainstcreditcardchennai.in/
Mobile / WhatsApp: +91 72999 27000
Office Phone: 044 4204 1414
For service enquiries or clarification regarding these terms, please contact our support team.
By using this website, you acknowledge that you have read and understood these Terms and Conditions.