Terms & Conditions

These Terms create a binding contract between the Company and you when you download the App. By downloading and installing the App, you acknowledge that you have read, understood, and accepted these Terms, along with the Privacy Policy (as defined in these Terms). These Terms encompass your entire rights, obligations, and remedies related to your use of the App. If you do not agree to these Terms, you should not proceed to download the App. Your use of the App and acceptance of these Terms represent your representation that you are at least 18 years of age or have legal parental or guardian consent, and that you are fully capable and competent to accept and abide by these Terms.

1. Description of the App

1.1. The App allows you to access loans and other credit facilities ("Credit Facilities") offered by Banks, Non-Banking Financial Companies (NBFCs), and other approved lending institutions ("Lenders"). The App auto-tracks, organizes, and analyzes your Transaction Information (as defined in these Terms) to provide you with various credit products. You hereby consent to the Company and/or the App sharing Transaction Information with Affiliates and Lenders.

1.2. "Transaction Information" refers to information contained in text messages (SMS) sent by service and product providers (including financial institutions, mobile carriers, and utility companies) to your mobile telephone number(s) in connection with various transactions across multiple financial accounts. Transaction Information includes your mobile phone number, email address, partial payment card data disclosed in the messages, and information related to the transaction, such as the service or product details and the price or fee paid.

1.3. The App does not directly access your bank, credit card, or debit card account information, or any Transaction Information beyond what is contained in SMS messages you receive on your phone. The App does not require your bank login ID or password.

1.4. "Affiliates" refers to any entities incorporated and controlled by the Company, whether through ownership of the majority of voting capital, appointment of a majority on the board of directors, or other management rights.

2. Applicability of the Terms

2.1. By downloading and using the App you unconditionally consent to these Terms, including the introductory paragraphs titled "IMPORTANT," the "Privacy Policy" available on the Website, and any other notices, disclaimers, policies, or terms that may apply to the use of the App.

2.2. If you disagree with any of these Terms, the Privacy Policy, or any other policies or terms requiring your consent, please do not download or use the App.

The Company reserves the right to amend these Terms at any time, with any such amendments becoming binding on you 24 hours after they are made available on the Website. You are responsible for regularly reviewing and understanding the most up-to-date version of the Terms on the Website. These Terms do not confer any third-party rights or benefits.

3. Use of the App

3.1. In your use of the App you must comply with all applicable laws.

3.2. The Company does not provide, control, or endorse any third-party information, products, or services unless explicitly stated.

3.3. The Company is not responsible for any delays or failures resulting from infrastructure issues, including server uptime, network availability, and connectivity.

4. Consideration and Payment Terms

4.1.Even if the App is initially provided for free, the Company has the right to charge subscription fees as determined from time to time.

4.2.All payments must be made using methods specified by the Company, such as credit cards or debit cards.

5. Termination and Suspension

5.1.The Company may terminate your use of the App at any time, with or without notice, and with or without any reasons, without liability to you.

5.2.the Company may terminate these Terms without notice and without liability to you if you have violated these Terms or any other guidelines and rules related to the App. The Company may block, restrict, disable, suspend, or terminate your access to the App at any time in its discretion, without prior notice or liability.

6. No Lending

6.1.The Company is not a lender. It operates the App to facilitate your application for Credit Facilities. The terms and conditions of any Credit Facility made available to you by a Lender will be solely between you and the Lender, and the Company will not be a party to such terms.

6.2.The Company and its representativesare not responsible for the rejection of your Credit Facility application or other refusal by Lenders, and the Company is not obliged to provide reasons for such refusal. The Company does not provide loans or other Credit Facilities.

7. Other Disclaimers

7.1.To the fullest extent permitted by applicable law, the Company, its third-party partners, licensors, and suppliers disclaim all warranties, whether statutory, express, or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement of proprietary rights.

7.2.You expressly agree that your use of the App is at your sole risk. The App, any data, information, third-party software, reference sites, services, or software made available through the App are provided on an "as is" and "as available" basis. The Company and any third-party suppliers do not warrant that the data, software, functions, or other information provided through the App will be uninterrupted or free of errors, viruses, or other harmful components.

7.3. The Company and its third-party suppliers do not warrant or make representations regarding the correctness, accuracy, reliability, or other aspects of the App or its content.

7.4. You understand and agree that any information, materials, or data you download or obtain through the App is at your discretion and risk, and you are solely responsible for any damage to your property or loss of data resulting from the download or use of such materials or data.

7.5.You acknowledge that you have entered into these Terms in reliance on the disclaimers, limitations, and other provisions, and that these provisions form an essential basis of the agreement between you and the Company. The Company would not provide the App on reasonable terms without these provisions.

7.6.Any information provided by the App about third-party services or products does not constitute the Company's endorsement or approval of such products and services.

8. Intellectual Property

8.1.The Company and its licensors, if any, are the sole owners of the App, including its concept, content, copyrights, trademarks, designs, logos, and other trade insignia. These elements are protected by intellectual property laws. Copying any part of the App will result in the immediate termination of these Terms and potential legal actions.

9. Consents

9.1.In addition to the consents given under the Privacy Policy, you hereby consent to:

(a) Lenders retrieving your credit score from third-party providers for evaluating your eligibility for a Credit Facility.

(b) Lenders sharing your credit score with the Company.

(c) The Company sharing Transaction Information with its Affiliates and Lenders.

The Company does not retrieve your credit score from any source itself.

10. Limitation of Liability

10.1.In no event shall the Company, its officers, directors, employees, contractors, agents, licensors, partners, or suppliers be liable to you for any direct, special, indirect, incidental, consequential, punitive, reliance, or exemplary damages, even if advised of the possibility of such damages. This includes, but is not limited to, lost business opportunities, revenues, anticipated profits, and other losses, regardless of their nature.

11. Indemnity

11.1.You agree to defend, indemnify, and hold harmless the Company, its Affiliates, officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, and expenses, including attorney's fees. This indemnification obligation survives these Terms and the use of the App.

12. Governing Law and Arbitration

12.1.These Terms are governed by and construed in accordance with the laws of the Republic of India. The App is operated from India, and if you are a user outside India, you accept Indian law and jurisdiction. The Company makes no representations that the App is suitable for use in other locations, and you are solely responsible for complying with local laws.

12.2.Disputes should be initially attempted to be resolved amicably for thirty days. Unresolved disputes will be referred to an independent arbitrator in Bangalore, in accordance with the Arbitration and Conciliation Act, 1996. You consent to the exclusive jurisdiction of the courts in Bangalore Urban District.

13. Miscellaneous

13.1. Notices

Any notices to the Company should be sent by registered mail or recognized courier to the address provided above.

13.2. Force Majeure

Performance delays due to Force Majeure Events beyond a party's control will excuse performance under these Terms, with exceptions for payment obligations.

13.3. Severability

Unenforceable provisions do not affect the validity of the remaining provisions.

13.4. No Waiver or Election

Failure to exercise a right does not waive it, and rights under these Terms are cumulative.

13.5. Assignment

Your right to use the App is personal and not transferable.

13.6. Communications

You consent to receive promotional and marketing communications about products and services through your registered email/phone. This may override any previously registered DND or DNC services on your phone.

[End of Terms & Conditions]