DEFINITIONS

• "Users" shall mean any user onboarded on the Platform.
• "Service(s)" means services provided through the Platform, as described in further detail under clause with the heading “Service(s) provided to Users” below. The Services provided through the Platform may change from time to time, at the sole discretion of the Company.
• "User" or "You" shall mean any individual or an entity who visits the Platform or avails or who wishes to avail the Services as a user who are registered on the Platform for this purpose or any visitor of the Platform as the case may be.

Updation of Terms and Conditions

Your use of the Platform is subject to the Terms and Conditions, which may be updated, amended, modified, or revised by us from time to time. To ensure that you are aware of any additions, revisions, amendments, or modifications that we may have made to these Terms and Conditions, it is important for you to refer to the Terms and Conditions from time to time. The updated Terms and Conditions shall be effective immediately and shall supersede these. We shall not be under an obligation to notify you of any changes to the Terms and Conditions. You shall be solely responsible for reviewing the Terms and Conditions from time to time for any modifications. If you continue to use the Platform and/or Services after the Updated Terms and Conditions have been published, it shall be deemed that you have read and understood and accept the Updated Terms and Conditions. Any reference to Terms of Service, TOS, Agreement made herein shall refer to the latest version of the Terms of Service.

Service(s) provided to Users

We provide a Platform that provides the following services to Users (however, such Services may change from time to time):

• Our web and mobile technology platform provides a range of loan options through its partner banks and NBFCs. Users can complete the entire loan application process directly on the platform, access approved credit, and manage EMI payments seamlessly within the platform.
• While we make our best effort to find a lending partner to meet your needs we do not guarantee that they will be able to meet your requirements and be able to provide you with the services.
• The final credit limit will be determined by the lending partner subject to their risk assessment parameters at their sole discretion. Their terms and conditions shall be as set out in Loan Service Agreement which you shall have to explicitly sign.
• We are a lending service provider (LSP) and as an LSP at no point do we represent the lending partner.
• We reserve the right to modify, add, and remove services or portions thereof.

ELIGIBILITY

By using Platform, you affirm that you are at least 18 years of age and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, warranties set forth in the Terms and Conditions, and to abide by and comply with the terms stated therein. Registration of User in the Platform is available only to persons who can form legally binding contracts under the applicable laws of India. By accessing the Platform or by accessing any of the Services on any other Authorised Device, it is deemed that the User has read and understood and accepted these Terms. If you will be using the Services on behalf of an organisation, you agree to these Terms on behalf of that organisation and you represent that you have the authority to do so.

User Account Registration

Any Individual who is at least 18 years of age may create an account by providing the necessary details and avail the Services. In order to use the Platform, you have to create an account (“Account”). You shall provide true and accurate information while creating Your Account. The information collected while creating your Account will be governed by our Privacy Policy. You are responsible for maintaining the confidentiality of your login credentials and are fully responsible for all activities that occur under your Account. You can create an Account by using your email ID/phone number. Post entering your details email ID/phone number in the Platform, one-time verification shall be conducted by the Company. Post such verification the Account shall be created.

User Data Collection

During the process of loan application we and/or our partners collect and store some/any/all of the following information. We also share this information with our technology partners and lending partners. This information is necessary to be able to process and grant your loan. By proceeding with the loan application you agree to share this information with us and with our aforementioned partners.

Platform Licence

• Subject to your compliance with the TOS, Company grants you a limited, non-exclusive, non-transferable license: (i) to view, download and print any content of Platform solely for your personal and non-commercial purposes; and (ii) to access, modify, edit and download any content, to which you are permitted access solely for your use. You have no right to sublicense the license rights granted herein.
• You will not use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Platform and Services, except as expressly permitted in the TOS. No licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by Company or its licensors, except for the licenses and rights expressly granted in the TOS. The Platform and the intellectual property rights vested therein is owned by Company.

Use of Your Information and Content and other content displayed on the Platform

• If You create, transmit, submit, display or otherwise make available any information while using the Services, you may provide only information that you own or have the right to use. We may only use the information you provide as permitted by our Privacy Policy and applicable law. For example, we will never share your personally identifiable information without your prior permission. Please closely review our Privacy Policy for more information regarding how we use and disclose your personal information. Our Privacy Policy is hereby incorporated into these Terms of Service by this reference.
• We reserve the right to maintain, delete or destroy all information and materials posted or uploaded through the Services, pursuant to our internal record retention and/or destruction policies. We (may/may not) make use of third-party cloud services providers or use our own service infrastructure for hosting the servers and databases. While we make commercially reasonable efforts to ensure that the data stored on our servers is persistent and always available to the User, we will not be responsible in the event of failure of the third-party servers or any other factors outside our reasonable control that may cause the User’s data to be permanently deleted, irretrievable, or temporarily inaccessible.
• You acknowledge and agree that we may preserve your information and may also disclose your related information if required to do so by law; or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these TOS; (c) respond to claims that any of your usage of the Platform violates the rights of third parties; (d) detect, prevent, or otherwise address fraud, security or technical issues; or (e) protect the rights, property, or personal safety of the Platform, its users, or the public.
• You agree to only provide content or information that does not violate the law nor anyone’s rights (including intellectual property rights). You also agree that your Account information will be truthful.

THIRD PARTY SERVICES

While availing Services, Users may connect with third-party service providers. The Company is not responsible for, and does not endorse, any third-party services mentioned on the Platform. It is hereby stated that Company shall in no way be responsible for any acts or omissions of third parties. Any transaction, dealings or communication otherwise that the User may have with such third parties are at the User’s own risk and we make no warranties, express or implied regarding the quality or suitability of the services or products of such third-party vendors. You may be redirected to a third-party website upon clicking on such links, these websites will be governed by its privacy policy and terms of use. We shall not be responsible for any transaction or dissemination of information that may take place while accessing these third-party websites.

Below is the list of third party service providers with which The Company shares customer data in order to provide the Service(s).

Rules and Conduct

• As a condition of use, you promise not to use the Platform for any purpose that is prohibited by the Terms of Service; or other rules or policies implemented by us from time to time; or in violation of any applicable laws.
• By way of example, and not as a limitation, you shall not (and shall not permit any third party to) take any action (including without limitation host, display, upload, modify, publish, transmit, store, update or sharing of information) that: (i) would constitute a violation of any applicable law, rule or regulation or belongs to another person; (ii) infringes on any intellectual property or other right of any other person or entity; (iii) is threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent; or (iv) impersonates any person or entity (v) deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact, (vi) contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource or (vii) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person. The Company reserves the right to disable any Account from the Platform at any time for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities; or if Company is concerned that You may have violated the Terms of Use), or for no reason at all with or without notice to the User/Users.
• Additionally, you shall not share any information that: (i) may be harmful to minors or children below the age of 18 (eighteen) years; (ii) threatens the unity, integrity, defence, security or sovereignty of the country, friendly relations with foreign states or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation; and (iii) is invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; (iv) harms minors in any manner; (v) infringes any patent, trademark, copyright or other proprietary rights; (vi) violates any laws for time being.
• Furthermore, you shall not (directly or indirectly): (i) take any action that imposes or may impose an unreasonable or disproportionately large load on Company’s (or its third party providers’) infrastructure; (ii) interfere or attempt to interfere with the proper working of the Platform or any activities conducted on the Platform; (iii) bypass any measures we may use to prevent or restrict access to the Platform (or parts thereof); (iv) decipher, decompile, disassemble, reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Platform, except to the limited extent applicable laws specifically prohibit such restriction; (v) modify, translate, or otherwise create derivative works of any part of the Platform; or (vi) copy, rent, lease, distribute, or otherwise transfer any or all of the rights that you receive hereunder.
• You will not access the Platform, and/or its services, or the personal information of other Users, available on the Platform in order to build a similar or competitive website, product, or service.
• If are an Individual, you will not access the Platform and/or its services for the purpose of hiring, recruiting or inviting any other User to attend any program, event, function, seminar, conference, talk, etc.
• You agree to immediately notify us of any unauthorised use, or suspected unauthorized use of Your Account, or any other breach of security, in relation to Your personal information on the Platform.
• One Account shall not be used by more than one User. Any use of an Account by a third-party would deem to be unauthorised usage. The Company reserves the right to disable any such Account from the Platform.

CONTACT YOU

You agree that we may contact you through telephone, email, SMS, or any other means of communication for the purpose of:

• Obtaining feedback in relation to Platform or our Services;
• Obtaining feedback in relation to any other Users listed on the Platform;
• Any events or initiatives that you may be interested in as part of the community of users
• Resolving any complaints, information, or queries by other Users regarding your critical content; and
• You agree to provide your fullest co-operation further to such communication by Company.

By submitting suggestions or other feedback regarding our Services/Platform, you agree that we can use and share such feedback for any purpose without any compensation to you and we are under no obligation to keep such feedback confidential.

ACCOUNT OWNERSHIP AND EDITING RIGHTS

We ensure easy access to the Users by providing an option to update your Account information. We reserve the right to moderate the changes or updates requested by you and we shall take an independent decision whether to publish or reject the requests submitted for the respective changes or updates in your Account. You hereby represent and warrant that you are fully entitled, under applicable law, to provide information as part of your Account or otherwise while using our Services, and that no such information breaches any third-party rights, including intellectual property rights and applicable data protection laws.

Upon becoming aware of a breach of the foregoing representation, we may modify or delete parts of your Account information at our sole discretion with or without notice to you.

Excluding your Account information and the User Materials you acknowledge that the Platform, the Services, and all the intellectual property rights, including copyrights, patents, trademarks, designs, and trade secrets in relation to the above are solely owned by us.

SUPPORT AND CONTACT

The Company offers an email and in-app-based support system. In case you require any assistance or support, you may access support resources or contact our support by emailing at support@quicklend.in or use the "Support" function on the Platform. The User agrees and acknowledges that the Company shall address and attempt to resolve the complaint received in accordance with the standard policies and procedures adopted by the Company, the User's disapproval/discontent with the outcome/mode of redressal shall not be deemed to mean non-redressal of the complaint by the Company. Any suggestions by Company regarding use of the Service shall not be construed as a warranty.

The Company shall revert to every complaint within 48 hours of receipt of the complaint. Further, the Company shall take best possible efforts to redress the complaint within 30 days of receipt of the complaint. Any suggestions by Company regarding use of the Services shall not be construed as a warranty.

The User agrees and acknowledges that the Company shall address and attempt to resolve the complaint received in accordance with the standard policies and procedures adopted by the Company, the User's disapproval/discontent with the outcome/mode of redressal shall not be deemed to mean non-redressal of the complaint by the Company. Any suggestions by Company regarding use of the Service shall not be construed as a warranty.

Grievance Redressal

We shall endeavour to address all your queries in a timely manner. However in the event you are not satisfied with our response you can take up your concern with our grievance redressal mechanism whose escalation matrix is as follows.

The grievance redressal policy of our lending partner is available online at : Bajaj Finserv - Grievance Redressal

Rights and Obligation relating to the usage of the Platform

Users shall be prohibited from carrying out the any illegal acts in the Platform including but not limited to acts mentioned below:

• violating or attempting to violate the integrity or security of the Platform;
• transmitting any information on or through the Platform that is disruptive or competitive to the provision of our Services;
• intentionally submitting on the Platform any incomplete, false or inaccurate information;
• making any unsolicited communications to other Users;
• using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Platform;
• circumventing or disabling any digital rights management, usage rules, or other security features of the Platform.
• Any unlawful activities in the Platform which are prohibited by laws of India.

The Company shall, upon obtaining knowledge by itself or been brought to actual knowledge by an affected person in writing or through email signed with electronic signature about any such information as mentioned above, be entitled to disable such information that is in contravention of this Clause. We shall also be entitled to preserve such information and associated records for at least 90 (ninety) days for production to governmental authorities for investigation purposes. In case of non-compliance with any applicable laws, rules or regulations, or the Agreement (including the Privacy Policy) by a User, we shall have the right to immediately terminate your access or usage rights to the Platform and Services and to remove non-compliant information from the Platform.

We may disclose or transfer User-generated information to our affiliates or governmental authorities in such manner as permitted or required by applicable law, and you hereby consent to such transfer. In accordance with the applicable laws, we shall transfer sensitive personal data or information including any information, to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by us, only if such transfer is necessary for the performance of the lawful contract between Company or any person on its behalf and the User or where the User has consented to data transfer.

COMPANY AND USER MATERIALS

While rendering Services, Company directly or through its representatives, may provide Users with certain materials relevant to the Services, which may be in the form of reports, forms, summaries, audio, video, written and oral content (“Company Materials”). Company Materials shall be the exclusive property of the Company. User hereby agrees and acknowledges that he/she shall ensure that the Company Materials are not shared with any third party, without Company’s written consent and any breach of such nature shall cause financial and irreparable injury to Company. Company hereby provides User with a revocable, non-exclusive, non-transferable, non-sublicensable, limited license to use the Company Materials solely for its personal purpose and not for any commercial use. While availing Services, User may submit various materials to Company in the form of audio/video/written content (“User Materials”). User hereby provides Company with an exclusive, transferrable, perpetual and irrevocable license to use the User Materials for its use. User hereby agrees and acknowledges that User Materials shall not infringe any intellectual property rights of third party and shall be responsible for any claims arising out of infringement. Additionally, all User Materials provided will be used by the Company for analytics to understand the User and the market, and hereby the Company reserves its right to revise and enhance the Platform and the Services provided the User.

MODIFICATION

We reserve the right, at any time and in with sole discretion, to change, modify, or amend the Platform (in whole, or in part) or any of its Services (in whole, or in part), in compliance with the applicable legal and regulatory framework. You agree that we will not be liable to you for any change, modification or amendment of the Platform or its Services, or any part thereof.

TERMINATION

• Termination/ Suspension of Services: We have the right to temporarily suspend access to the whole or any part of the Services for any reason whatsoever (including but not limited to technical/operational reasons) and shall be under no liability to you in such an event. Further, we may, but shall not be obliged to, give You notice of any interruption of access to the Service. We may temporarily suspend access to the whole or any part of the Services for pre-scheduled maintenance. The intent to temporarily suspend access for pre-scheduled maintenance shall be communicated to you 48 hours in advance via email to the email id provided by you upon creation of your Account. If you choose to access the Platform or avail Services during such pre-scheduled maintenance, we cannot guarantee the availability of the Services and/or functionality of the Platform.
• Termination/ Suspension of Accounts: We may terminate your usage of the Platform at any time for any reason, including breach of the Terms and Conditions. We have the right (but not the obligation) to refuse to grant access to Platform. Except for the rights and license granted in these terms, we reserve all other rights and grant no other rights or licenses, implied or otherwise. Once temporarily suspended, indefinitely suspended or terminated, the User may not continue to use the Platform under the same account, a different account or re-register under a new account. On termination of an account due to the reasons mentioned herein, such User shall no longer have access to data, messages and other material kept on the Platform by such User. All provisions of the TOS, which by their nature should survive termination, shall survive termination, including, without limitation, warranty disclaimers, indemnity and limitations of liability.

DISCLAIMER

THE SERVICE (INCLUDING, WITHOUT LIMITATION, ANY CONTENT) IS PROVIDED “AS IS” AND “AS AVAILABLE” AND IS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. THE COMPANY and SERVICE PROVIDER (INCLUDING) ITS DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, SPONSORS AND PARTNERS DO NOT WARRANT THAT: (A) THE SERVICE WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (C) ANY CONTENT OR SOFTWARE AVAILABLE AT OR THROUGH THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICE WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE SERVICE IS SOLELY AT YOUR OWN RISK. WE DON’T PROMISE TO STORE OR KEEP SHOWING ANY INFORMATION AND CONTENT THAT YOU’VE POSTED. WE ARE NOT A STORAGE SERVICE. YOU AGREE THAT WE HAVE NO OBLIGATION TO STORE, MAINTAIN OR PROVIDE YOU A COPY OF ANY CONTENT OR INFORMATION THAT YOU OR OTHERS PROVIDE, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW AND AS NOTED IN OUR PRIVACY POLICY.

YOU (USER) HEREBY ACKNOWLEDGE AND AGREE THAT YOU WILL SHALL ONLY PROVIDE TRUE AND CORRECT INFORMATION AND IN THE CASE OF CREATING AN ACCOUNT YOU UNDERTAKE TO AT ALL TIMES KEEP THE INFORMATION UP TO DATE. UNDER NO CIRCUMSTANCES THE COMPANY WILL BE LIABLE ON ACCOUNT OF ANY INACCURACY OF INFORMATION PROVIDED BY YOU ON THIS PORTAL. IT IS THE RESPONSIBILITY OF THE USER TO FURTHER RESEARCH THE INFORMATION ON THE SITE. QUICKLEND IS NOT IN THE BUSINESS OF PROVIDING LEGAL, TAX, AUDIT, ACCOUNTING, OR BROKERAGE, NOR OTHER PROFESSIONAL SERVICES OR ADVICE. THROUGH YOUR USE OF QUICKLEND, YOU ACKNOWLEDGE AND AGREE THAT INFORMATION PROVIDED BY QUICKLEND IS SIMPLY INFORMATIONAL ONLY, AND SHOULD NOT BE CONSIDERED A SUBSTITUTE FOR THE SERVICES OR ADVICE OF A COMPETENT PROFESSIONAL. FURTHER, THE INFORMATION PROVIDED HEREIN SHOULD NOT BE TAKEN AS FINANCIAL PLANNING OR INVESTMENT SOLICITATION. NO FIDUCIARY RELATIONSHIP HAS BEEN CREATED BETWEEN YOU AND QUICKLEND. YOU HEREBY UNDERSTAND AND ACKNOWLEDGE THAT THROUGH YOUR USE OF QUICKLEND, YOU ARE NOT BEING REPRESENTED BY AN ATTORNEY, CERTIFIED FINANCIAL PLANNER, BROKER, NOR OTHER REGULATED ADVISOR. CERTAIN ASPECTS OF THE QUICKLEND SERVICES MAY PROVIDE ACCESS TO SUCH A PROFESSIONAL (FOR EXAMPLE THROUGH A REFERRAL SERVICE BY WHICH QUICKLEND RECEIVES AFFILIATION FEES) OR PROVIDE TAX-RELATED INFORMATION, BUT IF YOU ARE IN NEED OF LEGAL OR FINANCIAL ADVICE, INCLUDING A REVIEW OF ANY FINANCIAL OR TAX DECISIONS, WE ADVISE YOU TO CONSULT THE APPROPRIATE ADVISOR, SUCH AS YOUR OWN ATTORNEY, ACCOUNTANT, OR OTHER PROFESSIONAL.

INDEMNIFICATION

You shall defend, indemnify, and hold harmless the Company, its affiliates/subsidiaries/joint venture partners and each of its, and its affiliates’/subsidiaries/joint venture partners’ employees, contractors, directors, suppliers and representatives from all liabilities, losses, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to (i) your use or misuse of, or access to, the Services and Platform; or (ii) your violation of the Terms and Conditions; or any applicable law, contract, policy, regulation or other obligation. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in connection therewith.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY (INCLUDING ITS DIRECTORS, EMPLOYEES, AGENTS, SPONSORS, PARTNERS, SUPPLIERS, CONTENT PROVIDERS, LICENSORS OR RESELLERS,) BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, LOSS OF GOODWILL OR OPPORTUNITY, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, (II) FOR YOUR RELIANCE ON THE SERVICES (III) FOR ANY DAMAGES (IV) FOR ANY MATTER BEYOND ITS OR THEIR REASONABLE CONTROL, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF ANY OF THE AFOREMENTIONED DAMAGES.

EXEMPTIONS TO LIABILITY OF COMPANY

• your failure to cooperate;
• your unavailability and/or unresponsiveness;
• your failure to provide accurate and complete information;
• your failure to provide or facilitate the submission of User Materials in timely manner;
• any event beyond Company's reasonable control.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of India without regard to the conflict of law provisions thereof. All claims, differences and disputes arising under or in connection with or in relation thereto the Platform or Services, the Terms or any transactions entered into on or through the Platform or Services shall be subject to the exclusive jurisdiction of the courts at India and you hereby accede to and accept the jurisdiction of such courts.

MISCELLANEOUS

• The Terms and Conditions are the entire agreement and understanding between you and Company with respect to the Services and usage of Platform.
• If any provision of the Terms and Conditions are found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms and Conditions will otherwise remain in full force and effect and enforceable.
• The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.
• The Terms and Conditions are personal to you, and are not assignable or transferable by you except with Company's prior written consent. Company may assign, transfer or delegate any of its rights and obligations hereunder without any consent.
• No agency, partnership, joint venture, or employment relationship is created as a result of the Terms and Conditions and neither party has any authority of any kind to bind the other in any respect.
• All notices under the Terms and Conditions will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested at the registered address mentioned in this Terms of Service; when receipt is electronically confirmed, if transmitted by facsimile or email at support@quicklend.in or two days after it is sent, if sent for next day delivery by recognized overnight delivery service.