INstaCash

Section I: Privacy Policy

This Privacy Policy governs the manner in which Finzoomers Services Private Limited ("we," "our," or "us") collects, uses, discloses, and safeguards the personal information of users ("you" or "your") who are availing / intend to avail services under INsta Cash (“Credit Services”) which is being facilitated through the INDmoney Application (“INDmoney App”). This privacy policy outlines how we collect, use, store, and disclose personal information in accordance with applicable laws, regulations, and guidelines, including but not limited to the Information Technology Act, 2000 and the rules framed thereunder, as may be amended from time to time (“IT Laws”) and the regulations, directions, circulars, guidelines or other mandates issued by the Reserve Bank of India (“RBI”) and as applicable to the Services (collectively, “Applicable Laws”). By accessing and using our services, you consent to the practices described in this Privacy Policy. Please note, this privacy policy shall be read in conjunction to and harmoniously with conditions and Privacy Policy of the platform, lending partner and the obligations included in the loan documents.

Information We Collect

We collect and store the basic personal information such as your name, address, email address, telephone number, date of birth, employment details, annual income etc. that are required for our operations as a lending service provider under the extant regulatory guidelines. Further, the basic personal information is required to enable (a) you to avail the Credit Services, (b) lending partner to perform necessary customer due diligence check(s), and to provide you with Credit Services. You may also need to provide certain other additional information as a part of the application process while availing Credit Services. Any information provided specifically for the purpose of accessing Credit Services or generated upon successfully receiving Credit Services, will be retained to the extent required by the applicable laws or as set out in the contractual agreements with the third parties.

We do not collect , access or store data such as call logs ,telephone functions , media & files ,contact list ,biometric data etc. in the INDmoney App, if need be, for the purpose of on-boarding/ KYC requirements in connection to the Credit Services been facilitated for operational functioning, we may seek one-time access for camera, microphone, location or any other facility necessary.

Use of your Information

We use your basic personal information that we collect in accordance with this Privacy Policy and for the following purposes: a) To offer and provide you with our Credit Services, process applications etc.; b) To respond to your inquiries, provide customer support, and address any issues or concerns you may have; c) To communicate with you, send important notifications, updates, and marketing materials related to our Credit Services. You may opt out of marketing communications at any time by logging into INDmoney App and make changes under “Communication Preferences” in manage settings & accounts; (d) To analyse and improve our Credit Services, develop new features, and enhance the user experience (e) To comply with the requirements of applicable laws / regulations and / or court orders / regulatory directives received by us. The lending partner may use your basic personal information to further undertake customer due diligence checks which may include but not limited to creditworthiness, Know Your Customer (KYC), anti-money laundering (AML), bank account verification etc. Further to ensure compliance with applicable laws, regulations, guidelines and directions issued by regulatory / government authorities from time to time.

Sharing and Storage of Data

We adhere to maintain security and transparency with the information we have received from you while availing the Credit Services and we will never share any such information without your consent and without disclosing the purpose behind the same. All such data shall be stored in servers located within India. During various processes such as application submission or when availing our product or Credit Service offerings, we may request your consent to use or share your personal data. We strictly adhere to a "need-to- know" principle in our business and operational processes, only sharing the data with designated personnel, partners, service providers, or third parties on a limited basis or if mandated by applicable laws or regulators. You can find the details of our partners, service providers, or third parties with whom we may share your personal data on a limited basis in Annexure - 1, enclosed herewith. We will retain your data for the period that you continue to be our customer and for such period as required to comply with any obligation under any law for the time being in force.

Third-Party Policies

We may engage with various third parties in connection with the Credit Services availed through the INDmoney App.

In general, the third-party service providers we work with will only collect, use, and disclose your information to the extent necessary to perform the services or activities they provide to us. When sharing information with these service providers, we take appropriate security measures and make commercially reasonable efforts to ensure that all recipients adhere to confidentiality, fidelity, and secrecy obligations as well as sign covenants to that effect. We require such third parties to provide the same or equivalent level of protection to your information as outlined in this Privacy Policy. It is important to note that once you provide information to or interact with third parties including lending partners through the INDmoney App, our Privacy Policy will no longer apply, and we cannot be held responsible for the privacy practices of these third parties. It will be governed by such Third parties privacy policy.

However, certain third-party service providers, such as banks, financial institutions, payment aggregators, or credit information companies, may have their own privacy policies governing the information we are required to share with them. We recommend reviewing their privacy policies to understand how they handle your information. It's important to be aware that certain third-party service providers may be located in or have facilities located in different jurisdictions. Therefore, if you proceed with a transaction involving the services of such a third-party provider, your information may become subject to the laws of the jurisdiction(s) in which the provider is located or where its facilities are located. Once you leave the INDmoney App and are redirected to a third-party website or application, you will no longer be governed by our Privacy Policy or the INDmoney’s App terms and conditions. Instead, the privacy policy of the respective website or application will apply. We cannot be held liable for the actions or omissions of these third-party service providers.

Disclosure of Information

We may disclose your information as required by law, legal process, or to respond to a governmental or regulatory request. We may also disclose information to protect our rights, safety, and property, or to enforce our Terms and Conditions.

Data Security & Retention

We take appropriate technical and organizational measures to protect your information from unauthorized access, alteration, disclosure, or destruction. We implement industry-standard security practices and regularly review our security measures to ensure the ongoing protection of your information.

Furthermore, we will delete your Personal Information upon your request, provided there is no active loan or service being availed by you or if your Personal Information is required to be retained due to applicable laws or any regulatory requirement.

The user information collected by us will be stored and retained for a period of maximum 10 (ten) years or as long as necessary for compliance of applicable laws. We do not keep your personal data and information longer than necessary for the purpose of the processing except for any record retention required by applicable laws, including but not limited to Prevention of Money Laundering Act 2002. This includes, for example, the purposes of satisfying any legal, regulatory, accounting, or reporting requirements, to carry out legal work, for the establishment or defence of legal claims. We may aggregate and anonymize your personal data and information (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

Withdrawal of Consent & Rectification

After fulfilling any pending contractual obligations, you have the option to access and review the information you have shared with us. Additionally, if you wish to withdraw or revoke your consent for us to process any information you have provided, you can notify us in writing at lendingsupport@indmoney.com. Furthermore, if you would like to delete your account on the INDmoney App, you may make a request for account deletion via App by accessing Delete Account option available under your profile settings.

At any point in time, you may choose to unsubscribe/stop receiving loan offers from us, you can send an email to lendingsupport@indmoney.com. The email should mention your mobile number with request for data deletion. The data deletion will happen within 90 days of your request.

We will not retain your information if it is no longer necessary for our purposes and there are no legal requirements mandating its retention. However, please be aware that there may be multiple legal bases that require us to retain certain information at any given time. If any of the information you have provided to us is inaccurate, incomplete, or outdated, we kindly request that you promptly provide us with accurate, complete, and up-to-date information so that we can rectify it on our end. It is important to ensure that you always provide us with accurate and correct information to ensure uninterrupted use of our services.

Updates to the Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We encourage you to review this Privacy Policy periodically for any updates.

Contact Us

If you have any inquiries, requests, or complaints regarding the processing of your information by us, please feel free to contact or email our grievance officer at the addresses provided below. Our grievance officer is dedicated to addressing and resolving any concerns you may have.

Name: Mr. Rahul Kumar

Designation: Grievance Redressal Officer

Email ID:lendingsupport@indmoney.com

Address : 624-625,6th Floor, Suncity Success Tower, Golf Course Extension Road, Sector-65, Gurugram-122005

For more detailed information , can you refer togrievance-redressal-policy

We assure you that our grievance officer will make every effort to expeditiously address and redress your grievances to the best of their ability.

Annexure -1

Details of our partners’/ service providers/third parties with whom Finzoomers Services Private Limited may share users’ information on a partial and “need-to-know” basis. Name of partners/service providers/third parties

Section II: INsta Cash Referral Terms & Conditions

Please read the terms and conditions as contained herein-below carefully and thoroughly, prior to proceeding further with INsta Cash Referral Services (‘Services’). By Clicking on ‘Proceed’ or ‘Confirm’, You agree and accept to be bound by these Services terms and conditions (‘T&Cs’) set- out herein.

These T&Cs are in addition to the Terms and Conditions and Privacy Policy of the INDmoney Platform that applies to You when You access and register on the INDmoney Platform for availing the INDmoney Platform Services. The Terms and Conditions and these T&Cs shall be read harmoniously. In case of any conflict, these T&Cs shall prevail solely in relation to the Services and limited to the extent of conflict

All capitalised terms used herein however not defined, shall have the meaning ascribed to them under the INDmoney Platform Terms and Conditions and/or the Privacy Policy. All information collected by the INDmoney Platform to provide the Services will also be covered under the Privacy Policy.

Finzoomers Services Private Limited (“Finzoomers”) have entered agreement(s) with banking and non-banking financial institutes, wherein the role of Finzoomers is merely a platform provider with user interface that facilitate borrowing by a borrower from a Banks / NBFCs (‘Lender(s)’). All loan offers are being provided and administered by the respective Lender, in accordance with extant RBI guidelines. Finzoomers and/or any of its group, subsidiary, associate and/or affiliate entities, do not offer, approve, disburse or sell, any loans on their own accord and do not own or claim to own any loan products of their own. All transactions are independent bilateral transactions between You and the Lender who is offering / approving grant of loan to You.

Insta Insure is offered, organized, and administered by Finzoomers and is offered to You against the Loan services availed on the INDmoney Platform during your INsta Cash journey. You may choose to avail the Insurance services against the Loan services availed by You on the INDmoney Platform. The insurance policy constitutes a contractual agreement between the Insurer and You, with Finzoomers solely acting as a group administrator.

You agree that by opting for loan services and by furnishing Your personal/contact details on the INDmoney Platform as required by Finzoomers during the process of completing the transaction, you are interested in availing the loan facilities from the Lender. You specifically understand and agree that by using the INDmoney Platform You authorize Finzoomers, and Lender to contact you for sharing communications w.r.t any kind of promotions/ advertisements/ communication related to ongoing offers; follow ups; etc. in relation to the loan facility opted by You. You expressly waive the Do Not Call registrations on your phone / mobile number for contacting you for this purpose. You hereby authorize Finzoomers to share your details with third parties, including but not limited to the Lender, and You can be contacted by third parties, including but not limited to the Lender, for information and for sales through email, telephone and/or SMS/WhatsApp.

By opting for Insurance Services, You acknowledge and agree to complete the forms/applications furnished by the Insurer. It is imperative that You furnish accurate and truthful information and adhere to the terms and conditions stipulated by the Insurer. Issuance of the insurance service(s)/facility(ies) is solely at the discretion of the Insurer, and You shall have no claims against the Insurer and/or Finzoomers in this regard.

Notwithstanding anything to the contrary stated under Privacy Policy (as provided for and updated from time to time), You hereby on Your own free wilful accord expresses intention to avail loan facility/Insurance Loan services. You unconditionally & unequivocally grant permission to Finzoomers to share following personal information with Lender and/or Insurer who shall be independently accessing Your information and evaluate your creditworthiness and decide on granting loan facility/Insurance Loan services to You:

1. Personal information such as name, date of birth, mailing address, email address, telephone number etc
2. KYC documents including PAN, identity proof, address proof, and/or such other details & documents (as may be prescribed by Finzoomers / Lender from time to time);
3. Transaction information on the INDmoney Platform;
4. Financial & bank account details;
5. Additional documents as may be mandated by Lender or for completing the transaction.

You hereby declare and certify that, (a) You are 18 years of age or older; (b) You are legally entitled to enter into loan agreement with Lender to avail the said loan facility; (c) any and all information furnished by You during the course of Your journey to avail the loan facility is / shall be true, correct, updated and accurate; (d) You shall keep all Your information up to date; (e) that purpose of availing the loan facility by You is for your personal use only and that You understand that You shall not be using / permitted to use the loan facility for any other purpose including udnlawful purposes and/or anti-social purpose or making investment in the capital market or speculative purposes. (f) You unequivocally ensure that there are no ongoing criminal or insolvency proceedings against You, and You have not been classified as a wilful defaulter by any financial institution or the Reserve Bank of India.

You understand that Finzoomers may obtain your personal Information, from any of its affiliates or group companies and You further provide your irrevocable and unconditional consent to Finzoomers for the sharing of your personal information, with the Lender and/or Insurer, and vice versa. You express no objection to this procurement and hereby provide explicit consent for the same. Additionally, You agree to abide by the terms and conditions set forth by the Insurer in relation to the insurance policy issued to You. You further authorize Finzoomers and/or the Insurer to request supplementary information or documentation at any time to verify the accuracy and completeness of the information provided by You, ensuring compliance with KYC requirements as per applicable law.

You hereby expressly acknowledge, understand and warrants that grant or denial of loan facility to You is at complete, absolute and sole discretion of the Lender. You further understand that the Lender may reject or put on hold your loan application (with or without any reason) in their sole discretion and judgement. The decision of Lender shall be final and binding. Finzoomers in no event shall be responsible for any acts or actions of Lender including delay, rejection, cancellation, early recall of loan, act of omission or commission, negligence, breach of confidentiality, breach of applicable laws, failure on part of Lender to discharge its obligations. You understand that Finzoomers is merely a facilitator, who has no bearing or control over the decision-making process of Lender.

You acknowledge that the accuracy and completeness of the information You provide are critical in order to issue the Insurance Services. In the event it is determined at any point that You have furnished incorrect or incomplete information, both Finzoomers and/or the Insurer retain the right to decline your application and subsequently cancel or revoke the insurance products as well as access to the INDmoney Platform. Please be aware that neither Finzoomers nor the Insurer shall bear responsibility for any loss or damage You may incur due to their decision to cancel or revoke any Insurance Services extended to You. If it is found that You are in default of your loan agreement or insurance document, You acknowledge that You will not be eligible to make any claims with the insurer.

By availing the loan facility, You hereby expressly agree, covenant, and consent that, these T&Cs (read with Terms and Conditions and Privacy Policy of the INDmoney Platform) along-with KFS, Sanction Letter, Loan Agreement and all other relevant documents issued by the Lender shall constitute as legally binding agreement upon You. You hereby unconditionally and unequivocally assure that, You shall at all time remain compliant with the said agreements. Failure to remain compliant with the said agreements may result in early termination of Your loan account / suspension of loan facility, termination / suspension of Your access to INDmoney Platform. You understand that Lender, Finzoomers reserves the right to initiate appropriate legal action against You arising due to Your non- compliance of the said agreement and/or these T&Cs, which shall be solely at your risk, cost and expense.

You shall solely and exclusively remain responsible towards payments of any and all taxes, tariffs, fees, commissions or such charges as may arise or become applicable as a result of You availing loan facility. You should make Yourself familiar with all terms and conditions relating to loan facility proposed to be availed by You including the APR, KFS, interest, charges penalty(ies), commission, fees (as may be applicable). Upon Your acceptance of Your loan facility agreement, You shall be legally bound to adhere to the entire loan facility agreement in letter and spirit.

n case of Insta Insure opted by You, You authorize the Lenders to deduct the one-time premium from the Insurance Services utilized by You from the Lenders of Finzoomers through the INDmoney Platform. In the event of any claim/s received from You, such claim/s will be managed and processed by the Insurer as per the terms of the proposal form. You irrevocably agree and consent that insurance coverage will be extended to You in accordance with the executed Insurance document as opted by You. You are solely responsible for settling any outstanding dues at all times as per the loan agreement. Additionally, you agree to incorporate the premium as a component of the loan agreement and associated documents with the Lender. You explicitly agree to buy Insurance Services and facilities and authorize the Lender to disburse the premium to the Insurer towards policy issuance and provide Your express consent to the terms and conditions including assignment of claim payment in favor of the Lender.

All conditions/requisites outlined in the policy wordings of the Insurer shall be binding upon You and You agree that You have diligently reviewed and ensured that the Insurance Policy aligns with your specific requirements. You unconditionally and irrevocably authorize (a) Finzoomers to obtain/receive a copy of the certificate of insurance from the Insurer in relation to the insurance policy purchased by You, and (b) the Insurer to share with Finzoomers a copy of the certificate of insurance in relation to the insurance policy purchased by You from the Insurer.

THE INTEREST RATE MENTIONED IN OUR (GENERIC) COMMUNICATIONS AND/OR INDMONEY PLATFORM (VIA BANNER, NOTIFICATIONS) IS ONLY FOR INFORMATIVE PURPOSE. DEPENDING ON YOUR PERSONAL CIRCUMSTANCES (INCLUDING YOUR CREDIT SCORE, OTHER RISK METRICS DECIDED BY LENDER) THE INTEREST RATE OFFERED TO YOU MAY BE HIGHER OR DIFFERENT. FINZOOMERS (INCLUDING THE GROUP COMPANIES, AND EACH OF THEIR RESPECTIVE EMPLOYEES, REPRESENTATIVES, OFFICERS, DIRECTORS ETC.) DOES NOT MAKE ANY REPRESENTATION OR COMMITMENT OR ASSURANCE ON RATES AND TERMS OF BORROWING. PLEASE CHECK ALL RATES AND TERMS BEFORE BORROWING.

It is always recommended that, You should ensure to make full, complete and timely payment(s) towards your EMI amount on its due date. Delay or default in making payments your EMI payments may have adverse consequences which may include but not limited to loan recall, penalty(ies), legal / recovery proceedings and/or impact on Your creditworthiness.

You understand and agree that in case of EMI default or outstanding amount payment default, or breach of any terms and conditions of the Loan Agreement by You, the Lender, at its sole discretion, may initiate appropriate legal / recovery proceedings or take any other action against You as per applicable law and/or as per the terms of Your Loan Agreement. You understand and agree that Finzoomers shall in no manner whatsoever be held liable or responsible for any such action initiated by the Lender (including reporting of your default of credit bureau) and You hereby discharge Finzoomers of all liabilities or claims or acts or actions in complete and absolute manner.

You hereby understand and agree that, as a prerequisite to avail loan facility You shall be required to consent and authorize the Lender to create and hold the mandate for auto debiting Your designated bank account (such as NACH / eNACH / ECS mandate) towards repayment of loan facility in EMI.

You understand that Finzoomers shall merely be facilitating in creation of such auto-debit mandates and does not hold the mandate in its own name or favor. For abundant clarity, it is stated that, all repayment(s) is executed by You directly in the Lender’s account, without any reference to Finzoomers.

You understand that You shall be required to pay the entire amount of the EMI for a particular month on or before the payment due date, as indicated by the Lender. In the event the payment is not made by the due date as specified, it will be construed as a default and You shall be liable to pay the EMI amount together with the additional interest and/ or late payment charges and/or such other charges indicated in your agreement with Lender. Non-payment of amounts due on the relevant due dates will have adverse consequences including: (i) having Your details reported to the credit bureaus; and (ii) suitable legal action as may be necessary to recover the outstanding amounts; and (iii) any other actions as specified under Loan Agreement.

Finzoomers will endeavour to have your query resolved by the Lender. Such resolution of query performed by Finzoomers is on “No liability basis” and You understand that the final resolution has to be offered by the Lender. The resolution offered by the Lender shall be final & binding. You have the right to directly reach out to Lender for resolution of your issues / concerns. Contact details of Lender(s) grievance redressal officers along with customer grievance redressal mechanism is published on our website on an as-is basis. The same may get updated as and when required and you must ensure yourself to be updated at all times about the same.

You confirm and acknowledge that Finzoomers bears no liability or responsibility for any claims or disputes you may have with the Insurer. Any such claims or disputes shall be directed solely against the Insurer at its website. and not against Finzoomers. Any decision regarding the claims will be made by the Insurer, and You agree to accept their decision without any dispute. You further acknowledge that Finzoomers does not possess the authority to influence the decisions of the Insurer or its Lender/s.

YOU AGREE AND ACKNOWLEDGE THAT THE DISPLAY OF LOAN FACILITY, OFFERED BY LENDER’S, ON THE INDMONEY PLATFORM DOES NOT IN ANY WAY IMPLY, SUGGEST, OR CONSTITUTE ANY PARTNERSHIP, ASSOCIATION, RECOMMENDATION, OPINION, OR ADVICE BY FINZOOMERS (INCLUDING ANY OF ITS GROUP, SUBSIDIARY, ASSOCIATE AND/OR AFFILIATE ENTITIES) AGAINST SUCH LOAN FACILITIES. YOU AGREE THAT FINZOOMERS IS IN NO WAY RESPONSIBLE FOR THE ACCURACY, TIMELINESS OR COMPLETENESS OF INFORMATION IT MAY OBTAIN FROM THIRD PARTIES. YOUR INTERACTION AND ANY SHARING OF YOUR DATA / INFORMATION (INCLUDING YOUR PERSONAL INFORMATION, PAN INFORMATION) WITH ANY THIRD PARTY ACCESSED THROUGH THE PLATFORM IS AT YOUR OWN RISK & DISCRETION. FINZOOMERS SHALL HAVE NO LIABILITY WITH RESPECT TO ANY ACTS, OMISSIONS, ERRORS, REPRESENTATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH THIRD PARTIES, INCLUDING BUT NOT LIMITED TO THE LENDER, OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE, OR OTHER DAMAGES OR EXPENSES RESULTING FROM YOUR INTERACTIONS WITH ANY PARTIES. THE SERVICES ARE MADE AVAILABLE ON ‘AS IS’, ‘AS AVAILABLE’ BASIS, FINZOOMERS MAKE NO REPRESENTATION OR WARRANTY WITH REGARD TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE.

THE INSURANCE PRODUCTS ARE PROVIDED, SOLD, AND PROMOTED BY THE INSURER. FOR COMPREHENSIVE INFORMATION REGARDING RISK FACTORS, TERMS, CONDITIONS, AND EXCLUSIONS, PLEASE CAREFULLY REVIEW THE TERMS & CONDITIONS/POLICY WORDING BEFORE FINALIZING A PURCHASE. THE INSURER IS THE UNDERWRITER OF THE INSURANCE POLICY. FINZOOMERS SERVES SOLELY AS A GROUP ADMINISTRATOR FOR THE INSURER.

YOUR DECISION TO AVAIL IN ANY INSURANCE PRODUCTS OFFERED BY THE INSURER IS ENTIRELY VOLUNTARY AND IS NOT CONTINGENT ON UTILIZING ANY OTHER FACILITIES OR SERVICES FROM FINZOOMERS OR ITS LENDERS. THE CHOICE TO OBTAIN ANY INSURANCE POLICY IS AT YOUR SOLE DISCRETION, AND FINZOOMERS HAS NOT COERCED OR PRESSURED YOU INTO AVAILING INSURANCE SERVICES.

FINZOOMERS HOLDS NO RESPONSIBILITY FOR ANY CONTRACTUAL OR OTHER LIABILITIES THAT MAY ARISE BETWEEN YOU AND THE INSURER AND/OR YOU AND THE LENDER/S. FINZOOMERS DOES NOT GUARANTEE OR PROVIDE ANY ASSURANCE, EXPLICIT OR IMPLIED, REGARDING THE FAIRNESS, ACCURACY, SUFFICIENCY, SUITABILITY, OR APPROPRIATENESS OF ANY PRODUCTS OR SERVICES YOU MAY CHOOSE TO AVAIL OR PURCHASE FROM THE LENDER AND/OR INSURER. ANY POTENTIAL TRANSACTIONS RELATED TO THE PURCHASE OF INSURANCE POLICIES OR PRODUCTS FROM THE INSURER MUST BE CONDUCTED BY YOU BASED ON YOUR INDEPENDENT RESEARCH AND INQUIRY. NEITHER FINZOOMERS NOR ANY OF ITS AFFILIATES OR GROUP COMPANIES SHALL BEAR ANY LIABILITY WHATSOEVER FOR: (A) THE USE OF INFORMATION PROVIDED HEREIN, AND (B) ANY LOSS, CLAIM, OR SHORTFALL RESULTING FROM PRODUCTS AND/OR SERVICES OBTAINED BY YOU.

You hereby represents, warrants and covenants that (a) You are citizen and resident of India; (b) You are competent to enter into contract, having sound mind and that You are entering into this contract on Your own wilful accord; (c) to best of Your knowledge, you have no pending litigation against Yourself or You are not party of any litigation that may adversely affect Your capability to enter into contract or otherwise may prohibit You in future to enter into a contract. You hereby undertake, warrants and covenant that, You shall keep all your information updated, true, correct and accurate. You shall keep Your Lender updated of any change in your personal information (including your phone number, communication address, permanent address etc.)

You agree that if Finzoomers has reasonable grounds to suspect that the information provided by You on the Platform is untrue, inaccurate, not updated or incomplete, Finzoomers has the right to suspend or terminate Your account and refuse any and all current or future use of the Platform (or any portion thereof) or Platform Services in connection thereto.

No failure on the part of Finzoomers / Lender to exercise, and no delay on part of Finzoomers / Lender in exercising any right or remedy under this Agreement will operate as a waiver thereof, nor will any single or partial exercise of any right.

You agree to indemnify, defend and hold harmless Finzoomers, its holding company, and their affiliates, subsidiary, their respective officers, directors, employees, agents, licensors, and any third party providers including (credit bureau, Lender) (‘Indemnified Parties’) from and against from any and all manner of liabilities, claims, demands, losses, compensation, interest, damages, costs and expenses (including court cost and reasonable attorneys' fees), resulting from or arising out of Your decision to use the Services or your violation these T&Cs or any other terms and conditions applicable to Service (including loan agreement, sanction letter, KFS, etc.) or your violation of the intellectual property rights of Indemnified Parties.

These T&Cs shall be governed, interpreted, and construed in accordance with the laws of India, without regard to the conflict of law provisions and for resolution of any dispute arising out of your use of the Services or in relation to these T&Cs. Notwithstanding the foregoing, you agree that (i) Finzoomers has the right to bring any proceedings before any court/forum of competent jurisdiction and you irrevocably submit to the jurisdiction of such courts or forum; and (ii) any proceeding brought by you shall be exclusively before the courts in New Delhi, India.

These T&Cs shall be governed, interpreted, and construed in accordance with the laws of India, without regard to the conflict of law provisions and for resolution of any dispute arising out of your use of the Services or in relation to these T&Cs. Notwithstanding the foregoing, you agree that (i) Finzoomers has the right to bring any proceedings before any court/forum of competent jurisdiction and you irrevocably submit to the jurisdiction of such courts or forum; and (ii) any proceeding brought by you shall be exclusively before the courts in New Delhi, India.

You agree that we may transfer, subcontract or otherwise deal with our rights and/or obligations under these terms at any time without any further notice. You agree that you cannot assign or otherwise transfer, subcontract the terms or any rights granted hereunder to any third party,

You agree that you are legally permitted and have the power and authority to execute the Loan Documents (by way of clicking the confirm and accept via OTP) and take a personal loan

Please review Privacy Policy and Terms & Conditions of the Platform. Finzoomers collects, uses and discloses information about You as provided in Privacy Policy.

You agree that you are legally permitted and have the power and authority to execute the Loan Documents (by way of clicking the confirm and accept via OTP) and take a personal loan.

You understand that the digital trail of the entire process of applying for the digital loan has been duly approved and authenticated by you through One Time Password (OTP) method and the digital trail shall be maintained by Lender / Finzoomers, which shall be the sole and binding evidence on the application, utilization and your obligation to re-pay all outstanding amount/s as per the Loan Agreement.

You hereby waive any and all defenses, you may have to the enforceability of any loan resulting from loan agreement, that are based on the allegation that the loan agreement, any privacy consents, or any disclosures were supplied to You, were delivered in electronic form only, or on the allegation that Your signature / consent to the loan agreement was obtained electronically.

You shall not bring or present or make any demand(s) or claim(s), or action(s) or suit(s) or litigation(s) or proceeding(s) (including any injunctive relief) and You hereby irrevocably, unconditionally, completely and entirely release, waive and forever discharge Finzoomers, its holding company, and their affiliates, subsidiary, their respective officers, directors, employees, agents, licensors (‘Released Parties’), from any and all manner of liabilities, claims, demands, losses, compensation, interest, damages, costs and expenses (including court costs and reasonable attorney fees) whatsoever, in law or equity, whether now known or in future, which You may have against the Released Parties with respect to Your loan application and / or Your Loan Agreement and/or any action(s) initiated against You by Lender towards recovery of Loan and/or due to reporting of Your default to credit bureau and/or Your claim(s) towards deficiency of services towards Your loan facility.

Please note that the information contained herein is subject to change without notice.