Company (which are incorporated by reference into this Terms of
the Company hereby grants you a limited, personal, worldwide,
2.1.You must ensure that the details provided by you are accurate and treat such information as confidential. Based on the information provided by you to us, you may be provided with a login identification (such as a username and password or any other identifier). You are solely responsible for all activities that occur under your login identification and must notify us immediately of any unauthorised use or other security breach relating to your login identification.
2.5.The operation of our Services includes periodic delivery to you of offers or other information that may be of interest to you based on your stated preferences or your location. To the extent possible, you may discontinue receiving such information at any time by updating your preferences on the Platform.
3.1.Any and all content displayed on, or transmitted via, the Services provided to you is on a ‘as is’ basis and your access to and use of the Services and any content therein is at your own risk. You may access the content solely for your information and personal use. You shall not copy, reproduce, distribute, transmit, broadcast, display, sell, license or otherwise exploit any content on any Platform for any other purposes.
3.2.You shall not
3.3.You understand that when using the Services, you will be exposed to content from a variety of sources, and that the Company is not responsible for the accuracy, usefulness, safety or intellectual property rights of, or relating to, such content on the Platform. The Company may, but is not obligated to, monitor or control the content posted on the Platform and/ or via the Services. Any use or reliance on any content posted on the Platform and/ or via the Services or obtained by you through in any other manner is at your own risk. You further understand and acknowledge that you may be exposed to content which you may deem inaccurate or objectionable; and you agree to waive and hereby do waive, any legal or equitable rights or remedies you have or may have against the Company with respect thereto. To the extent permitted by applicable law, you agree to indemnify and hold harmless the Company, its owners, officers, directors and employees to the fullest extent regarding all matters relating to your use of the Services and any content posted by you by access to, or use of the Platform and/ or the Services.
3.4.Usage of our Services should not replace your good judgment and common sense. In any of any concerns and queries, please immediately contact us at firstname.lastname@example.org, along with the necessary details. Additionally, please read and comply with all terms and notices that accompany the Company’s products or these Services.
4.1.The Services to be rendered by the Company will vary from time to time; as will be the nature of products and/ or services being provided on the Platform. The pricing for the Services, wherever applicable, are subject to change without notice.
4.2.We reserve the right to limit our Services to any person,
region or jurisdiction. We may also exercise this right on a
the nature of any Services that we offer. All descriptions of the Services or their pricing are subject to change at any time without notice, at our sole discretion. We reserve the right to modify, discontinue, suspend or cancel any Service at any time.
4.3.The minimum age for a user to be registered for the Services is the age of contractual consent under applicable law or 18 years, whichever is lower.
4.4.The Company currently merely facilitates various digital
products and services to you, which products and services are
4.5.We do not warrant that the quality of any products, services, information, or other material accessed, availed or used by you in relation to the Platform or Services will meet your expectations, or that any issues or errors in the Services will be corrected, or corrected to your satisfaction.
5.2.Any feedback, comments, or suggestions you may provide regarding our Services is entirely voluntary and we will be free to use such feedback comments or suggestions as we see fit and without any obligation to you.
5.3.You acknowledge and accept that your use of our Services is
solely to your personal and
(a)any unlawful purpose;
(b)soliciting others to perform or participate in any unlawful acts;
(c)violating any international, federal, provincial or state regulations, rules, laws, or local ordinances;
(d)infringing upon or violate our intellectual property rights or the intellectual property rights of others;
(e)harassing, abusing, insulting, harming, defaming, slandering, disparaging, intimidating, or discriminating any person (irrespective of whether or not such a person is a user of the Services or otherwise) based on gender, sexual orientation, religion, caste, ethnicity, race, age, national origin, disability, or on any other account;
(f)submitting any false or misleading information;
(g)uploading or transmitting viruses or any other type of malicious data or any code that will or may be used in any way that will affect the functionality or operation of the Service or of any Platform or any other related websites or applications;
(h)collecting or tracking the personal information of others;
(i)any spamming, phishing, web crawling or spidering or scraping;
(j)any obscene or immoral purpose; or
(k)interfering with or circumventing the security features of the Service or any related applications.
6.2.We reserve the right to discontinue, suspend or terminate your use of the Services for violating any of the prohibited uses or restricted uses.
7.1.We do not guarantee, represent or warrant in any manner that
use of our Services will be uninterrupted, timely, secure or
7.2.We do not warrant in any manner that the results that may be obtained from the use of the Services will be accurate or reliable or effective in nature. You understand and accept that the reliance on the content obtained from the Services or the output from the Services is solely at your own judgement and risk, and you shall not hold the Company liable for the same in any manner whatsoever.
7.3.You agree that, from time to time, we may suspend, modify, restrict or remove our Services for uncertain or indefinite periods of time or cancel the Services at any time, without notice to you.
7.4.You expressly agree that your use of, or inability to use,
Services is at your sole risk. The Services delivered to you are
as expressly stated by us) provided on an 'as is' and 'as
your use, without any representation, warranties or conditions
kind, either express or implied, including all implied
conditions of merchantability, merchantable quality, fitness for
particular purpose, durability, title, and
7.5.No advice or information, whether oral or written, obtained by you from the Company or through its Services or the Platform will create any warranty or guarantee other than those expressly stated herein.
7.6.You acknowledge that
7.7.We may provide you with access to
7.8.In no case shall the Company, its affiliate entities, directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the Services or any products or services procured using the Services, or for any other claim related in any manner to your use of the Services, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Services or any content (or product) posted, transmitted, or otherwise made available via the Services or on the Platform, even if advised of their possibility.
7.9.No agent, or employee of the Company is authorized to make any modification, extension, or addition to the warranty extended by the Company to you with respect to any of its products or Services.
8.1.You agree to indemnify, defend and hold harmless the Company
subsidiaries, affiliates, partners, officers, directors, agents,
contractors, licensors, service providers, subcontractors,
interns and employees, from any losses, injuries, claims,
proceedings, penalties, interests, costs and expenses, including
attorneys’ fees, made by any
8.2.The indemnification rights of the Company shall be in addition to any rights that may be available to the Company under applicable law (including injunctions and specific performance reliefs), none of which shall be affected in any manner whatsoever.
9.1. You do hereby give your informed consent to the Company and/or its Lending Partners for Penny drop or bank account verification (“Penny Drop”) to verify the authenticity of your bank account from time to time.
9.2. By granting your informed and unconditional consent for Penny Drop verification, by the Company and/or its lending Partners, you authorize the Company and/or its Lending Partner to credit 1 (one) Rupees, debit 1 (one) Rupees, or both, in order to verify the bank details as part of KYC due diligence.
9.3. By providing your PAN number to the Company, you hereby give your informed consent to the Company, its Lending Partners, and/or any third party service providers, to share, store, check your PAN card credentials through NSDL e-Governance Limited or any third party, either by itself or through any third party service providers, as part of the assessment of your loan application.
By providing Addhaar number and the corresponding data to the Company on the website or the mobile application, you agree to the following:
10.1.You have been informed by the Company that submission of Aadhaar is not mandatory, and there are alternative options for KYC and establishing identity including by way of physical KYC with officially valid documents other than Aadhaar. You agree that all other options were provided to you.
10.3.You authorise and give your consent to the Company (and its service providers), for following informed purposes:
10.3.1.KYC and periodic
KYC process as per the PML Act, 2002 and
thereunder and RBI guidelines, or for establishing your
carrying out your identification, offline verification or
10.3.2.collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/verification/identification records: (a) for the informed purposes above, (b) as well as for regulatory and legal reporting and filings and/or (c) where required under applicable law;
10.3.3.producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration.
10.4.You understand that
the Aadhaar number and core biometrics
be stored/ shared except as per law and for CIDR submission.
11.2.You do hereby give
your free consent and authorize the
its lending partners by providing your personal information to
your Credit Information Report and Credit Score from any of
for the purpose of evaluating your loan application and not
other purposes. You hereby unconditionally consent to and
the CICs to provide your credit information to you, the
its lending partners on a
11.3.In connection with submission of the application for your credit information (“Consumer Credit Information”) offered by any of the CICs through the Company” and delivery of the
Consumer Credit Information to the Company, you hereby acknowledge and agree to the following:
11.3.1.The Company is your lawfully appointed agent and it has agreed to be your agent for the purposes, including, without limitation, to receive the Consumer Credit Information from CICs on your behalf and use it in the manner consistent with the Agreement entered into between the Company and CICs, and the Company has granted its consent for being appointed for the aforesaid purpose.
11.3.2.You grant your unconditional consent to the Company to receive the Consumer Credit Information from CIC on your behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and CIC, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. You hereby represent and acknowledge that: (a) You have carefully read the terms and conditions of the Agreement entered into between the Company and CIC understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between you and the Company.
11.3.3.You hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer your Consumer Credit Information to the Company on your behalf.
11.3.4.You shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of your Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of your Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of your Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and CIC
11.3.5.You acknowledge and accept that: (a) CIC has not made any promises or representations
to you in order to induce you to provide your Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.
11.3.7.You understand that in order to deliver the product, you hereby authorize Company, to obtain your Consumer Credit Information from CIC.
11.3.8.By submitting this registration form, you understand that you are providing express written instructions for Company to request and receive information about you from third parties, including but not limited to a copy of your consumer credit report and score from consumer reporting agencies, at any time for so long as you have an active Company account. You further authorize Company to retain a copy of your information for use in accordance with Company’s
THAT THE PRODUCT IS PROVIDED ON AN
INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
11.3.10.You shall not sue or otherwise make or present any demand or claim, and You irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually
(hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which You ever had, now have, or in the future may have against the Releasee with respect to the submission of your Consumer Credit Information and / or your decision to provide CIC with the authority to deliver your Consumer
Credit Information to the Company. You agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against CIC L by third parties arising from and in connection with this letter.
11.3.11.You agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. CIC is entitled to assign its rights hereunder to any third person without taking your prior written consent.
12.In the course of your visit to the website, wherein you are
expressing interest or availing products or services offered by
party, the Company or the third party may collect information or
from you pursuant to your use of the website. You agree that the
or the third party may share all information and details as
you to any other party including but not limited to the lending
associated with the Company, the lending partner’s group
service providers, banks, financial institutions, credit
telecommunication companies, statutory bodies, etc for customer
verification, personalization of products and services, credit
data enrichment, marketing or promotion of the products or
offered by such third party or by the third party’s
affiliates or of any other service provider. You agree and
receiving any other information from the Company or a third
13.You confirm that any information provided by you or any details entered into the website are correct and you undertake to pass on any modifications to the Company and the lending partner. You shall indemnify and hold the lending partner and or its subsidiaries/affiliates harmless
against any loss, damage or costs suffered/incurred by the lending partner and or its subsidiaries/ affiliates as a result of erroneous information supplied by you or your authorized users. You expressly authorize the lending partner or any of the lending partner’s subsidiaries/affiliates to carry out the Know Your Customer (KYC) and other requisite checks by such processes as may be permissible under the law including authentication/verification of documents or details submitted for KYC purpose, accessing and procuring data from databases maintained by statutory or other authorities constituted by law. Specifically, you are responsible for the confidentiality of any codes and passwords allowing you to use this website, and access to your information as well as this use and this access by any third party, whether or not they are authorized by you.
14.Products and services offered by the lending partner or the lending partner’s subsidiaries are available only at their sole discretion and subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice.
date of termination; and/or we, accordingly, may deny you access to our Services (or any part thereof).
19.1.If, at our request, you send certain specific submissions, or without a request from us, you send creative ideas, suggestions, proposals, plans, feedback or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you provide to us. We are and shall be under no obligation: (a) to maintain any comments in confidence; (b) to pay compensation for any comments; or (c) to respond to any comments.
19.2.We may, but have no obligation to, monitor, edit or remove content or comments that we determine in our sole discretion to be unlawful, offensive, threatening, libellous, defamatory,
19.3.You agree and will
ensure that your comments will not violate
our rights or the rights of any