Terms and Conditions of Loans App

1. INTRODUCTION

Welcome to IIFL Loans ("application"). By registering or clicking the "agree" button or installing the application or by using the service in any manner, you agree to all of the terms and conditions contained herein. These terms of use ("terms") constitute a legally binding agreement between you and INDIA INFOLINE FINANCE LIMITED (“IIFL”) and govern your use of the application and the information, offers, services, features, content, offered through the application ("services"). These terms may be updated by IIFL from time to time. Please note that if you are an individual you must be major under the relevant laws of India to enter into this agreement otherwise, you are expressly prohibited from entering into this agreement. You agree to access the application subject to acceptance of the terms and conditions as set out herein. In addition, when using any particular services, you may be subject to any statutory or regulatory guidelines or rules applicable to such services. All such guidelines or rules are hereby incorporated by reference into these terms. Definition of 'user' or 'you' means any person who accesses this application of IIFL for the purpose of viewing loan information and includes other persons jointly participating in using application of the company.

You hereby represent, warrant and covenant that you will provide us with accurate, truthful, and complete registration information including, but not limited to your name ('user name'), e-mail address, or other information and to keep your registration information accurate and up-to-date. Failure to do so shall constitute a breach of these terms, which may result in immediate termination of your account.By accessing application or service you agree to be bound by these terms. You hereby represent and warrant to IIFL that you are at least eighteen (18) years of age or above and are capable of entering, performing and adhering to these terms and that you agree to be bound by these terms and conditions.

You agree that you are solely responsible for any breach of your obligations under the terms and for the consequences (including any loss or damage which IIFL may suffer) of any such breach. If you do not agree with these terms, please do not use this application or services.

2. DISCLAIMER OF WARRANTIES AND LIABILITY

A. You understand and agree that IIFL provides the Services on an "as is" and "as available" basis. All warranties including, without limitation, the implied warranty of merchantability, fitness for a particular purpose, for the title and non-infringement are disclaimed and excluded.

B. IIFL shall not be liable, at any time for any direct, indirect, punitive, incidental, special or consequential damages including, without limitation, damages for loss of business, damage to hardware or loss of profits, loss of data or profits, whether arising in contract, tort or otherwise arising out of or in any way connected with the use of the application, with the delay or inability to use the applications or Services, or due to use of the contents available in the application or for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, or due to the use of the information contained in the application.

C. In the event that any exclusion contained herein be held to be invalid for any reason and IIFL or any of its affiliate entities, officers, directors or employees becomes liable for loss or damage, then any such liability of IIFL or any of its affiliate entities, officers, directors or employees shall be limited to the charges paid by you, if any, for the application usage.

D. No representations, warranties or guarantees whatsoever are made by IIFL as to the (a) accuracy, adequacy, reliability, completeness, suitability or applicability of the information to a particular situation; (b) that the Services will be uninterrupted, timely, secure, or error-free; (c) the quality of any services, content, information, or other material in the application will meet your expectations or requirements; or (d) any errors in the Application will be corrected.

E. This application may have certain links which may lead to resources located on servers maintained by third parties. These third-party websites, applications may contain IIFL’s logo, but they are independent from IIFL, and IIFL does not have any control over these websites or applications. IIFL, therefore, accepts no responsibility or liability due to your use of such third-party websites or applications.

3. PROPRIETARY RIGHTS

Unless otherwise stated, copyright and all intellectual property rights in all material presented on the application (including but not limited to text, audio, video or graphical images), trademarks and logos appearing on this application are the property of IIFL and are protected under applicable Indian laws. You agree not to use any framing techniques to enclose any trademark or logo or other proprietary information of IIFL; or remove, conceal or obliterate any copyright or other proprietary notice or any credit-line or date-line on other mark or source identifier included on the application / Service, including without limitation, the size, colour, location or style of all proprietary marks. Any infringement shall be vigorously defended and pursued to the fullest extent permitted by law.

4. YOUR OBLIGATIONS

As a condition of your use of the application, you shall not use the application or Services for any purpose that is unlawful or prohibited by these terms or you shall not use the application in any manner that could damage, disable, overburden, or impair any IIFL server, or the network(s) connected to any IIFL server, or interfere with any other party’s use and enjoyment of any services. You further concur that you shall not, through the application or Services indulge in the following activities:

a) delete from the application any disclaimers, or proprietary notices such as copyright or trademark symbols, or modify any logos that you do not own or have express permission to modify

b) use the application/Services in any manner that could damage, disable, overburden, or impair or undertake any action which is harmful or potentially harmful to any IIFL server, or the network(s), computer systems/resources connected to any IIFL server, or interfere with any other party’s use and enjoyment of the application/Services;

c) obtain or attempt to obtain any materials or information through any means not intentionally made available through the application/Services;

d) perform any activity which is likely to cause such harm;

e) carry out any "denial of service" (dos, ddos) or any other harmful attacks on the application or internet service or; disrupt, place unreasonable burdens or excessive loads on, interfere with or attempt to make or attempt any unauthorized access to any IIFL website/ application or the website of any IIFL customer;

f) forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the application.

g) impersonate any person or entity, including, but not limited to IIFL’s official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;

h) take any action which encourages or consists of any threat of harm of any kind to any person or property or make any inappropriate, illegal or otherwise prohibited communication to any Newsgroup, Mailing List, Chat Facility, or other Internet Forum

i) collect or attempt to collect personally identifiable information of any person or entity without their express written consent;

j) engage in antisocial, disruptive, or destructive acts, including 'flaming', 'spamming', 'flooding', 'trolling' and 'griefing' as those terms are commonly understood and used on the Internet;

k) upload, post, email, transmit or otherwise make available any unsolicited or unauthorised advertising, promotional materials, 'junk mail', 'spam', 'chain letters', 'pyramid schemes', duplicative messages or any other form of solicitation.

5. PROHIBITED ACTIVITIES

You shall not host, display, upload, modify, publish, transmit, update or share any information on the application, that:

a. Belongs to another person and to which you do not have any right;

b. Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, 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;

c. Infringes any patent, trademark, copyright or other proprietary rights;

d. Violates any law for the time being in force;

e. Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;

f. Impersonate another person

g. Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; Any Content uploaded by you shall be subject to relevant laws and may be disabled, or / and may be subject to investigation under appropriate laws. Furthermore, if you are found to be in non-compliance with the laws and regulations, these terms, or the privacy policy of the application, we may terminate your account/block your access to the application and we reserve the right to remove any non-compliant content uploaded by you in the said application and shall further have the right to take recourse to such remedies as would be available to IIFL under the applicable laws.

h. IIFL strongly cautions against installing any software that hacks any operating software. It is also important to note that unauthorized modification of any operating software is violation of the IIFL end-user software license agreement and because of this, IIFL may deny any support or refuse to take any responsibility for any financial or data damage on any any device that has installed any unauthorized software.

6. TERMINATION OF ACCOUNT

IIFL reserves its right to refuse service, restrict, suspend your access to the application; delete, move, or remove any content that is available in or through the application; establish general practices and limits concerning use of the application at any time with or without any prior notice.

7. INDEMNIFICATION

You agree to defend, indemnify and hold harmless IIFL, its directors, officers, employees and agents from and against all claims and expenses arising out of the breach of any of the terms by you or due to your use/misuse of the application.

8. PRIVACY

Any personal information identifying you (\"Personal Information\") if required is asked for explicitly in the relevant page in the application. Personal Information is used to operate the application, and may occasionally be used to inform you of new features, services, and products from those offered by IIFL. IIFL reserves the right to disclose any information in response to that it is required to be shared, disclosed or made available to any governmental, administrative, regulatory or judicial authority under any law or regulation applicable to IIFL or as IIFL in its sole discretion believes necessary or appropriate in connection with an investigation of fraud, intellectual property infringement, piracy, or other unlawful activity.

9. GRIEVANCE REDRESSAL:

Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed via the feedback section of the application.

10. Applicable Law:

This agreement shall be governed by the laws of India. The courts at Mumbai shall have exclusive jurisdiction over any disputes arising under this agreement.

11. Limited Time To Bring Your Claim:

You and IIFL agree that any cause of action arising out of or related to the application must commence within three months after the cause of action accrues. Otherwise, such cause of action will be permanently barred.

12. I authorize IIFL , its representatives and agents to call me or SMS me. I confirm that laws in relation to unsolicited communication referred in “National Do Not Call Registry” as laid down by “Telecom Regulatory Authority of India” will not be applicable for such information/ communication to me.

13. These Terms shall apply to the application. All the other terms and conditions with respect to specific services, for example terms for Loan Agreements, shall apply additionally.

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