undo some changes

Author: Sanmati Kumar Jain

src/pages/advisory/terms.md

@@ -22,7 +22,7 @@ It has come to our notice that there are fraudsters who use Redux Finance name a
 * There are advertisements in leading news papers where fraudster might post that Redux Finance is offering loans to individuals at a very low interest rate. people normally get trapped for these amazing offers. these are nothing but loan scams. Depending on the situation, the targeted person may be invited to contact the fraudster by email or by phone. The goal of the fraudster is to be paid a fee for the so-called set up of the application. Targeted person should contact the fraudster at the telephone number or email id showed in the ad. It is appropriate to take note of that such telephone numbers or email ids are not of Redux Finance.
 
 
-* The fraudster acting as your well wisher promising you loans on very reasonable terms obtains your personal details like your name, bank account information, identity proof, loan card number etc. They may then use your personal details for opening of fake  accounts in your name or hand over the same to financiers for a good tip. Be warned, fraudsters may reuse this information for future illegal activities. 
+* The fraudster acting as your well wisher promising you loans on very reasonable terms obtains your personal details like your name, bank account information, identity proof, credit card number etc. They may then use your personal details for opening of fake  accounts in your name or hand over the same to financiers for a good tip. Be warned, fraudsters may reuse this information for future illegal activities. 
 
 
 * Targeted person might be asked to pay money towards processing fees, charges, application fees, etc. Depending on the situation, the targeted person may be invited to contact the fraudster by email or by phone. The goal of the fraudster is to be paid a fee for the so-called set up of the application. The fee usually has to be deposited into a money transfer company. Once the payment is made, the funds are never released and the fees which have been advanced are lost. 

src/pages/dmiagreement/standard-agreement.md

@@ -87,11 +87,11 @@ Borrower may seek from DMI Finance and DMI Finance may grant a revolving loan fa
 **4.5** Notwithstanding the issuance of cheques / ECS, the Borrower will be solely responsible to ensure timely payment of dues by such payments methods as may be mutually agreed between the Parties.
 
 **5\. BORROWER’S COVENANTS, REPRESENTATION AND WARRANTIES**   
-**5.1** The Borrower shall: (i) observe and perform all its obligations under the Financing Documents. (ii) immediately deliver to DMI Finance all documents, including bank account statements as may be required by DMI Finance from time to time. The Borrower also authorizes DMI Finance to communicate independently with (i) any bank where the Borrower maintains an account and to seek details and statement in respect of such account from the bank and (ii) with any employer of any Borrower as DMI Finance may deem necessary, including for monitoring Borrower’s loanworthiness. (iii) immediately notify DMI Finance of any litigations or legal proceedings against any Borrower. (iv) notify DMI Finance of any Material Adverse Effect or Event of Default. (v) notify DMI Finance in writing of all changes in the location/ address of office /residence /place of business or any change/resignation/termination / closure of employment/ profession /business. (vi) Not leave India for employment or business or long term stay abroad without fully repaying the Facility then outstanding together with interest and other dues and charges. (vii) provide security, if any, as specified in Financing Documents or as may be required by DMI Finance in case of any change in loan worthiness of any Borrower (as determined by DMI Finance). (viii) Ensure deposit of salary and / or business proceeds in the account from which PDCs/ECS have been issued to DMI Finance. (ix) comply at all times with applicable laws, including, Prevention of Money Laundering Act, 2002.
+**5.1** The Borrower shall: (i) observe and perform all its obligations under the Financing Documents. (ii) immediately deliver to DMI Finance all documents, including bank account statements as may be required by DMI Finance from time to time. The Borrower also authorizes DMI Finance to communicate independently with (i) any bank where the Borrower maintains an account and to seek details and statement in respect of such account from the bank and (ii) with any employer of any Borrower as DMI Finance may deem necessary, including for monitoring Borrower’s creditworthiness. (iii) immediately notify DMI Finance of any litigations or legal proceedings against any Borrower. (iv) notify DMI Finance of any Material Adverse Effect or Event of Default. (v) notify DMI Finance in writing of all changes in the location/ address of office /residence /place of business or any change/resignation/termination / closure of employment/ profession /business. (vi) Not leave India for employment or business or long term stay abroad without fully repaying the Facility then outstanding together with interest and other dues and charges. (vii) provide security, if any, as specified in Financing Documents or as may be required by DMI Finance in case of any change in loan worthiness of any Borrower (as determined by DMI Finance). (viii) Ensure deposit of salary and / or business proceeds in the account from which PDCs/ECS have been issued to DMI Finance. (ix) comply at all times with applicable laws, including, Prevention of Money Laundering Act, 2002.
 
 **5.2** Each Borrower undertakes that he/she shall: (i) Not part possession or ownership of the Product or create any third party rights thereon without consent of DMI Finance, wherever applicable. (ii) Not use or permit the use of Product for any purpose not permitted by the terms of the insurance policy, if any, and not do or permit to be done any act or thing which might render the insurance invalid. (iii) Not use the Product for unlawful or antisocial purposes and will use the same only for its own use and not for resale, barter or exchange or the like
 
-**5.3** Each Borrower represents and warrants to DMI Finance as under: (i) All the information provided by Borrower in the Loan Application and any other document whether or not relevant for the ascertaining the loanworthiness of the Borrower is true and correct and not misleading in any manner. (ii) The Borrower is capable of and entitled under all applicable laws to execute and perform the Financing Documents and the transactions thereunder; (iii) The Borrower declare that they are not prohibited by any law from availing this loan. (iv) No event has occurred which shall prejudicially affect the interest of DMI Finance or affect the financial conditions of Borrower or affect his/her liability to perform all or any of their obligations under the Financing Documents. (v) Borrower is not in default of payment of any taxes or government dues.
+**5.3** Each Borrower represents and warrants to DMI Finance as under: (i) All the information provided by Borrower in the Loan Application and any other document whether or not relevant for the ascertaining the creditworthiness of the Borrower is true and correct and not misleading in any manner. (ii) The Borrower is capable of and entitled under all applicable laws to execute and perform the Financing Documents and the transactions thereunder; (iii) The Borrower declare that they are not prohibited by any law from availing this loan. (iv) No event has occurred which shall prejudicially affect the interest of DMI Finance or affect the financial conditions of Borrower or affect his/her liability to perform all or any of their obligations under the Financing Documents. (v) Borrower is not in default of payment of any taxes or government dues.
 
 **5.4** In the event the loan is for purchase of any Product, the Borrower also undertake and covenant as below: (i) Borrower shall not be entitled to any increase in the Facility amount by reason of any increase in the purchase price of any Product. However, in the event of any decrease in the purchase price, DMI Finance may in its discretion reduce the principal amount of the sanctioned Facility. (ii) The Vendor shall be exclusively responsible for delivery of the Product and DMI Finance shall not be liable for any delay in delivery or non-delivery of the Product and/or with respect to the quality, condition, fitness, suitability or otherwise whatsoever of the said Product. (iii) In the case Product cancellation, DMI Finance will treat the relevant Facility repaid only if the Vendor refunds the amount to DMI Finance upon compliance by the Borrower with the refund policy of the Vendor. In case of such refund, DMI Finance shall refund the EMI, if any, paid by the Borrower, less Interest if any for the period between purchase and refund, and treat the loan as fully discharged. The processing fees will not be reimbursed and will be adjusted against the refund, if any.
 
@@ -121,7 +121,7 @@ Borrower may seek from DMI Finance and DMI Finance may grant a revolving loan fa
 
 **9.6** The Borrower expressly recognize and accepts that DMI Finance shall without prejudice to its rights to perform such activities itself or through its office employees be entitled and has full power and authority so to do to appoint one or more third parties (hereinafter referred to as “Service Providers”) as DMI Finance may select and to delegate to such party all or any of its functions, rights and power under Financing Documents relating to the sourcing, administration, monitoring of the Facility and to perform and execute all lawful acts, deeds, matters and things connected therewith and incidental thereto including sending notices contacting Borrower, receiving Cash/Cheques/Drafts/ Mandates from the Borrower in favour of DMI Finance.
 
-**9.7** The Borrower acknowledge that the financing transaction hereunder gives rise to a relationship of debtor and loan as between him and DMI Finance and not in respect of any service rendered/to be rendered by DMI Finance. Accordingly, the provisions of the Consumer Protection Act, 1986 shall not apply to the transaction hereunder.
+**9.7** The Borrower acknowledge that the financing transaction hereunder gives rise to a relationship of debtor and creditor as between him and DMI Finance and not in respect of any service rendered/to be rendered by DMI Finance. Accordingly, the provisions of the Consumer Protection Act, 1986 shall not apply to the transaction hereunder.
 
 **9.8** The Borrower hereby authorize DMI Finance to verify all information and documents including, income proof documents, residence documents, address proof documents, identity documents and other such documents containing personal and financial information as are submitted by them for obtaining any Facility and that they also consent to subsequent retention of the same by DMI Finance.
 
@@ -191,13 +191,13 @@ Revision of Terms and Application RedCarpet may revise these Terms of Use at any
 
 **4.3** Upon completion of its risk assessment with respect to the User, RedCarpet shall choose a suitable financing partner for the User and shall facilitate the execution of a loan agreement between the financing partner and the User. Provided however, RedCarpet does not in any manner guarantee to find a suitable financing partner for the User.
 
-**4.4** If the User agrees to buy the Products, the User may if applicable be required to pay a token amount as down-payment to RedCarpet or the Financing Partner, as the case may be after which the remaining cost will be paid by the Financing Partner to the Merchant whose Product the User has purchased. Such funding by the Financing Partner shall be in consideration of the User promising to repay the amount along with certain charges determined by the Financing Partner based on the loanworthiness of the User and as set forth in a separate loan agreement entered between the Financing Partner and the User.
+**4.4** If the User agrees to buy the Products, the User may if applicable be required to pay a token amount as down-payment to RedCarpet or the Financing Partner, as the case may be after which the remaining cost will be paid by the Financing Partner to the Merchant whose Product the User has purchased. Such funding by the Financing Partner shall be in consideration of the User promising to repay the amount along with certain charges determined by the Financing Partner based on the creditworthiness of the User and as set forth in a separate loan agreement entered between the Financing Partner and the User.
 
 **4.5** Details of the approved loan limit sanctioned to the User by the Financing Partner shall be available on the User’s registered account on the Application. Subject to such approved loan limit and the terms of the separate loan agreement entered between the Financing Partner and the User, the User may be allowed to obtain disbursements from the Financing Partner.
 
-**4.6** RedCarpet reserves the right to refuse any loan request or cancel an approved loan at any time, for reason including loanworthiness, the User’s history of transactions on the Application, the Merchant’s account history or any other reason. In the event the User violates the Terms of Use, RedCarpet reserves the right cancel transactions at any time before a Merchant delivers the Product or any part thereof.
+**4.6** RedCarpet reserves the right to refuse any loan request or cancel an approved loan at any time, for reason including creditworthiness, the User’s history of transactions on the Application, the Merchant’s account history or any other reason. In the event the User violates the Terms of Use, RedCarpet reserves the right cancel transactions at any time before a Merchant delivers the Product or any part thereof.
 
-**4.7** RedCarpet shall be free to collect information or make inquiries, directly or indirectly in order to validate the identity of the User or to determine the loanworthiness of the User. The User consents to RedCarpet using and sharing the information provided by the User in relation to the Services.
+**4.7** RedCarpet shall be free to collect information or make inquiries, directly or indirectly in order to validate the identity of the User or to determine the creditworthiness of the User. The User consents to RedCarpet using and sharing the information provided by the User in relation to the Services.
 
 **4.8** By availing the Services of RedCarpet, the User gives its express consent to RedCarpet to investigate the loan record and/or obtain loan reports for reviewing the loan application of the User. The User is aware that information about the User’s account on the Application such as late payments, defaults may be shared by RedCarpet with loan reporting agencies.
 

src/pages/faq/faq.yaml

@@ -12,9 +12,9 @@ questions:
   - question: What is the eligibilty criteria?
     answer: To enroll with us you should be 18 years old and any individual who is salaried or has a monthly source of income.
   - question: What is required to receive a Loan?
-    answer: All you need is to login through valid Mobile Number and add bank account. In order to build your loan score, we will also request access to the data on your phone 
+    answer: All you need is to login through valid Mobile Number and add bank account. In order to build your credit score, we will also request access to the data on your phone 
   - question: Why is my loan application rejected?
-    answer: We calculate your loan score based on the information you provide , if the calculated loan score is less than our requirements, that might be the reason why your loan application is rejected.
+    answer: We calculate your credit score based on the information you provide , if the calculated credit score is less than our requirements, that might be the reason why your loan application is rejected.
   - question: How to use loan limit?
     answer: You can use your loan limit in your redcarpet card and in personal loans.
   - question: I lost my phone how can I pay my EMI?

src/pages/index/index.yaml

@@ -24,12 +24,12 @@ features:
     image: ./phone-lateral.png
 
   - header: Ruby Card
-    description: Ruby card is our virtual  card use it anywhere just like a loan card.
-    icon: ti-loan-card
+    description: Ruby card is our virtual card use it anywhere just like a credit card.
+    icon: ti-credit-card
 
   - header: Zeta Card
-    description: Zeta card is like a real loan card you can use it anywhere.
-    icon: ti-loan-card
+    description: Zeta card is like a real credit card you can use it anywhere.
+    icon: ti-credit-card
 
   - header: Personal Loans
     description: Get personal loans for any errand, anytime, anywherebuy anything you want from any ecommerce website
@@ -88,7 +88,7 @@ team_communication:
 
   methods:
     - title: RedCarpet Cards
-      icon: ti-loan-card
+      icon: ti-credit-card
       description: We provide Zeta card and Ruby card for all your loan card needs.
       iconClassname: fa fa-angle-right small-5 pl-1
       link: /smart-card

src/pages/privacy/terms.md

@@ -42,7 +42,7 @@ Payment gateway providers tracks user activity, page content, click/touch, movem
 
 #### 6. Security Precautions
 
-The security of your information is important to us. We maintain the information you provide and safely secure the information in company's databases and these databases are stored on secure servers with appropriate firewalls. When you enter sensitive information such as loan card/Debit Card details or any banking details on our Application, we encrypt that information using secure socket layer technology. We never permanently store complete loan card/debit card details. We follow some industry standards to protect the personal information submitted to us, both during transmission and once we receive it. If you find out any unauthorized use of your account or any suspicious activity, we request you to notify Redux Finance Team immediately either by sending an email to [email protected] or communicate with us via call 011-71156232
+The security of your information is important to us. We maintain the information you provide and safely secure the information in company's databases and these databases are stored on secure servers with appropriate firewalls. When you enter sensitive information such as credit card/Debit Card details or any banking details on our Application, we encrypt that information using secure socket layer technology. We never permanently store complete credit card/debit card details. We follow some industry standards to protect the personal information submitted to us, both during transmission and once we receive it. If you find out any unauthorized use of your account or any suspicious activity, we request you to notify Redux Finance Team immediately either by sending an email to [email protected] or communicate with us via call 011-71156232
 **Note :-**  We urge you to take steps to keep your personal information safe so always choose a strong password and keep it private.
 
 #### 7. Accessing and Updating Your Information