Solfin Sustainable Finance Private Limited

PRIVACY POLICY

Solfin Sustainable Finance Private Limited (Formerly Known as Dhanvikas Fiscal Services Private Limited), a non-deposit-taking non-banking financial company registered with the Reserve Bank of India and having its registered office at Unit No. 602, CTS no. 163/165, 6th Floor, 'Western Edge – I', Borivali (East), Mumbai – 400066, (hereinafter referred as "Company", "We", "Us" or "Our").

We respect Your privacy and are committed to protecting it through Our compliance with this privacy policy ("Policy") in compliance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, Reserve Bank of India's Guidelines on Digital Lending and other applicable laws.

This Policy describes:

1. a)the types of information that We may collect from You when You access, use or avail any products or services We offer through Our website(s) namely "Solfin", application(s) and other online platform(s) (collectively, Our "Platform"); and
2. b)Our practices for collecting, using, storing, transferring, processing, maintaining, protecting, and disclosing that information.

For the purposes of this privacy policy the term "User(s)" and wherever the context so requires "You", "Your", "Yourself" shall mean any natural or legal person who accesses or uses the Platform and in the event that a natural person is representing a business entity or a body corporate, reference to such terms shall include a reference to such business entity and/or body corporate as well.

1. Your Acknowledgment and Consent

By visiting Our Platform You agree to be bound by the terms and conditions of this Policy. If You do not agree please do not use or access Our Platform.

By mere use of the Platform, You expressly and unconditionally agree to the terms and conditions of this Policy and consent to the usage, storage and handling of the information submitted by You in accordance with the terms contained herein.

This Policy applies only to the User Information (defined below) that We collect through Our Platform. When You submit User Information on the Platform, it shall be deemed that You have granted Us the right to collect, store, process, handle and use such User Information, in accordance with this Policy (as amended from time to time).

2. Information We Collect

We collect various types of information from and about Users of Our Platform, including:

1. a)"Personal Information" which includes any information concerning personal or material circumstances of an identified or identifiable individual, e.g., name, address, bank details etc., and can be used to uniquely identify or contact a person and/or the business entity that a person represents; and/or
2. b)"Sensitive Personal Information" which means any Personal Information of an individual, which consists of information relating to passwords; financial information such as bank account, or other payment instrument details; sexual orientation. Information freely available or accessible in public domain is not treated as Sensitive Personal Information. Depending on who You are (e.g., a merchant, customer, consumer, supplier or business partner) and how You interact with Us (e.g., through Platform, telephone, IVR, API, online or offline), We may collect, use, receive, store, analyze, combine, transfer or otherwise process different categories of Your Personal Information (including Sensitive Personal Information).

Any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as Sensitive Personal Information for the purposes of this Policy.

We collect this information:

1. a)directly or indirectly from You when You provide it to us; and/or
2. b)as You navigate through Our Platform (information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies); and/or
3. c)through independent third-party sources like merchants, lending service providers, financial organisations (including, inter-alia, TransUnion CIBIL Limited and other credit bureaus), etc.
4. d)Video to perform Your KYC verification;
5. e)Information about Your solar or renewable energy financing need.

3. Information You Provide to Us

You provide Your explicit consent for collection of information, on Our Platform (which may be collected from the parties as per this Policy), which includes but is not limited to ("User Information"):

1. a)Your full name, address, email address, telephone number, date of birth and bank details and any proof of Your identity and/or address, postal code, profile picture, password and other information You may provide with Your account (including but not limited to, account holder, account name, account number, transaction authentication number "TAN" and password, available balance and transaction history of Your bank account), ITR, Tax Certificates or any other income documents as necessary by Us, such as Your gender, mobile phone number and website and all other information, You may provide Us through third-party sign-in services such as Facebook and Google. In such events/ cases, We fetch and store whatever information is made available to Us by You through these sign-in services or otherwise;
2. b)Your device's camera, microphone, location or any other facility as may be required for KYC purposes, and which will be accessed only one time and only for KYC purposes;
3. c)Your preferences including settings such as time zone and language;
4. d)IP addresses, application, device or browser type, versions and configurations, operating systems, device brand and model, time zone setting, content, unique identifiers associated with Your device(s) and pages that You access on the Platform, and the dates and times that You visit the Platform, and paths taken;
5. e)Credit related information or assessment, credit information (and income information (e.g., employment contract, salary details, employer name, tax returns, bank account statements, income statements, balance sheet, cashflow statement), credit or score or reliability scores provided by third parties such as Our Financiers, financial institutions (including TransUnion CIBIL Limited and other credit bureaus) or Account Aggregators or similar third parties as permitted under applicable laws of India including Our business partners, independent service providers and Our group entities;
6. f)Information obtained through mobile devices to determine creditworthiness, etc.;
7. g)Financial information such as personal bank account numbers and bank account data including ACH, NEFT, IMPS and UPI ID details, salary and income details;
8. h)Know Your Customer (KYC) information including all proofs of identity and address, photograph, Permanent Account Number (PAN), etc.;
9. i)Details of Your visits to Platform, including but not limited to, location data, web logs and other communication data;
10. j)Information provided, uploaded, shared by You through Our Platforms, including inter alia your PAN details, TAN details, details of incorporation, government and business related approvals/ consents/ licenses, tax certificates, invoices, photographs, the users You follow, current and prior purchase or browsing details, contact or notification information, and other information in Your account profile;
11. k)Your search details such as search terms you have looked up and results You selected;
12. l)Your browsing details including time, frequency, features used, etc. by You;
13. m)Communications between You and other Financiers, merchants, and other third parties through Our Platforms;
14. n)If You avail any services through Our Platform, We may collect and store information about You to process Your requests and automatically complete forms for future transactions, including (but not limited to) Your phone number, address, email, billing information and bank account information. This information may be shared with third parties which assist in processing and fulfilling Your requests, including PCI compliant payment gateway processors, payment aggregators, other lenders, etc. When You submit bank account information, We encrypt the information using industry standard technologies. If You write reviews about businesses/ services with which You conduct transactions through Our Platforms, We may publicly display information that You transacted with those businesses/ services;
15. o)The information provided by You such as ratings, reviews, tips, photos, comments, likes, bookmarks, friends, lists, etc. to be published or displayed (hereinafter, "posted") on publicly accessible areas of Our Platforms, or transmitted to other Users of Our Platforms or third parties (collectively, "User Inputs");
16. p)Information collected from third party business partners, lending service providers, technical sub-contractors, analytics providers, search information providers, etc. such as delivery address or contact information or other details which may be combined with the User Information collected on the Platform and as provided in this Policy; and
17. q)Information collected through cookies.

The User Information includes any Personal Information and Sensitive Personal Information.

You acknowledge and expressly consent to the fact that certain third-party service providers such as partners, merchants, marketers, third-party Websites, researchers, financial organisation, lending service providers, bureau and verification agencies and other collection service providers may also collect and Use Your User Information through the Platform as per the terms of this Policy and the privacy policies of such third-party service providers.

Where possible, We indicate which fields are mandatory and which fields are optional to be filled on the Platform. You always have the option to not provide information by choosing not to submit particular information or feature on the Platform.

Your User Inputs are posted on and transmitted to others at Your own risk. Although We limit access to certain pages, You may set certain privacy settings for such information through Your account profile. Please be aware that no security/ data protection measures are perfect or impenetrable. Additionally, We cannot control the actions of other Users of Our Platform with whom You may choose to share Your User contributions. Therefore, We cannot and do not guarantee that Your User inputs will not be viewed by unauthorized persons. We may display this information on the Platform, share it with businesses, and further distribute it to a wider audience through third party sites and services. You should be careful about revealing any sensitive details about Yourself in such posting.

By using this Platform, You consent to the collection, storage, and use of the User Information that You provide for any of the services that We offer, and You consent to Our collection of any changes or updates that You may provide to the User Information. The Company collects only such User Information that the Company believes to be relevant for the purpose of identification and verification and is required to understand You or Your interests or provide services that You may require or request. We shall not be liable, for any reason whatsoever, for the authenticity of any User information provided by You to Us. You hereby represent, warrant and confirm that the User Information provided by You is and shall continue to be valid, true and accurate.

4. Sources of Information Collection

We may collect User Information in the following ways:

1. a)directly or indirectly from You when You provide it to Us; and/or
2. b)as You navigate through Our Platform; and/or
3. c)the public domain; and/or
4. d)through independent third-party sources like Our Financiers, merchants, financial organisations, credit bureaus, our lending service providers, etc; and/or

We collect User Information from You when You share Your Personal and/or Sensitive Personal Information with Us, when You apply for Our products or services directly with Us or through Our third-party partners as per their applicable privacy policies, when You register with Us, when You provide Your credit information to Us, when You enter a competition or marketing survey, when You give Us information to collect information through cookies, from publicly available sources in accordance with applicable laws, or when You access, Use and/or browse Our Platform. We may also obtain User Information from independent third parties, as governed by their respective privacy policies, including Our business partners, merchants, marketplaces, re-sellers, banks, payment partners, technology providers, and financial institutions, fraud prevention agencies, independent service providers and Our group entities, affiliates, associated Financiers etc. We may further obtain User Information from social platforms and networks.

When You give Us permission to do so either directly or through a cookie, and We may Use, collect, process or disclose this information in accordance with this Policy.

You provide Your consent for collection of Your information from credit bureaus including but not limited to Experian/CIBIL/ CRIF/other agencies, and for checking, collecting retrieving and downloading Your information from the Central KYC registry for Your cKYC ID linked with Your PAN.

User Information may be collected automatically from the computer or devices (including mobile devices and information contained therein) You use to access the Platform, even if You use the Platforms without registering or logging in and the same shall include inter alia:

1. a)Your server's IP address from where the Platform is being accessed, the type of browser (Internet Explorer, Firefox, Opera, Google Chrome etc.), the operating system of Your system and the website You last visited before visiting to Platform, and Your computer, Internet connection and mobile device, other browsing information (connection, speed, connection type etc.), device type, device's unique device identifier, mobile network information and the device's telephone number;
2. b)Details of Your use of Our Platform, including location data, traffic data, logs and other communication data and the resources that You use and access on or through Our Platforms;
3. c)We may also collect real-time information about the location of Your device, as permitted by You;
4. d)Other information relating to Your activity on the Platforms, such as Your search queries, comments, domain names, search results selected, number of clicks, pages viewed and the order of those pages, how long You visited Our Platforms, the date and time You used the Platforms, error logs, and other similar information; and
5. e)In case of mobile application users, the online or offline status of Your application.

We access Your phone resources or metadata only in compliance with applicable law. We only collect the User Information from the sources above in accordance with applicable law.

We, and third parties with whom We partner, shall use pixel tags, cookies, web beacons, mobile device IDs, "flash cookies" and similar files or technologies to collect and store information in respect to Your use of and third party websites and the Platforms.

When You visit the Platform, one or more cookies will be sent to the computer/smartphone or other devices being Used by You and We and third parties that We partner with may collect the cookies. The cookies are either Used to improve the quality of the Platform or for storing Your preferences as a User, improving search results and tracking User trends. You have the option of disabling cookies via Your browser preferences. However, if You disable cookies on Your browser, some parts of the Platform may not function effectively.

Information collected by cookies is anonymous information and is maintained distinctly and is not linked to the User Information You submit to Us.

You may encounter cookies or other similar devices on certain pages of the Platform that are placed by third parties. We do not control the Use of cookies by third parties and shall not be liable for any reason whatsoever for these third party cookies. We advise You to check their privacy policies for information about third parties' cookies and other practices. We do not control the practices of such third parties/ partners and their privacy policies/ cookies policies which govern their interactions with You.

5. Use and Disclosure of Information Collected

Usages

You explicitly provide Your consent for Use of Your User Information collected for the following purposes:

1. a)To verify and authenticate Your identity;
2. b)To verify, authenticate, authorize Your Use of Our products or services, including for any risk management or portfolio management purposes;
3. c)To facilitate Your usage of Platform;
4. d)To do internal risk assessments and analysis;
5. e)To protect Our business and ensure compliance with law;
6. f)To facilitate Your access to and use of Our products and services;
7. g)To connect You with our Financiers / merchants/ other third parties/lending service providers;
8. h)To send You surveys and marketing communications that We believe may be of interest to You including offers of any third parties;
9. i)To carry out creditworthiness checks;
10. j)To analyse, conduct internal reviews, research, surveys and understand Our Users, improve the content and features of Our Platform and make special offers;
11. k)To process and complete Your transactions;
12. l)To process and respond to Your queries/ requests;
13. m)To inform You regarding changes in Platform;
14. n)To diagnose technical problems, provide support and help You in addressing troubleshoot problems;
15. o)To send and received communications, show advertisements, notifications;
16. p)To prepare reports, review, etc.;
17. q)To contact You regarding third party services, offers, to understand Your preferences, requirements;
18. r)To permit You to participate in interactive features offered through Our Platform;
19. s)To improve the content and protecting the integrity of the Platform;
20. t)To respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law;
21. u)To detect and protect any error, hacking, fraud, commercial and identity checks;
22. v)To otherwise manage Our relationship with You; and
23. w)Any other purpose as required in connection with the Platform.

You agree and acknowledge that collection of Your User Information is necessary for the purposes above and the collection of Your User Information is in furtherance of a lawful purpose.

Disclosures

You explicitly confirm and provide Your consent for disclosure of Your User Information for various purposes including inter alia:

1. a)For legal purposes, requirements, to comply with applicable laws or when required by law enforcement, government officials, fraud detection agencies, financial institutions or other third parties and when We are compelled to do so under applicable laws (such as via a subpoena, court order, regulatory query or similar procedure);
2. b)To Our affiliates, subsidiaries, group companies, related parties and other assigns to allow them to provide support services and technical services to Us and to receive some of these services from them and to provide support services and technical services to them; and to offer their products and services to You including offering combined products and services;
3. c)To Our partners, Financiers, merchants, contractors, service providers and other third parties and persons who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which We disclose it to them which are generally for jointly creating and offer products and services or to assist Us with Our business operations;
4. d)To Our associated entities, service providers, associated Financiers and assigns for the purposes of using or otherwise handling the KYC information received from the Central KYC Registry;
5. e)To companies that We plan to merge with or entities that We may acquire or be acquired by subject to the provisions of applicable laws, in which situation We will require that the new combined entity or the acquired/ acquiring entity follows this Policy with respect to Your User Information;
6. f)Any person for maintaining security, operating Platforms, to enquire or protect from any fraud, hacking;
7. g)To third parties to enable them to market and offer their products or services to You. We may also share Your User Information with such third parties to assist them in understanding Your interests, habits, and Usage patterns for certain programs, content, services, advertisements, promotions and such third parties may market and offer their products and services to You based on this;
8. h)For any other purpose in connection with the aforesaid;
9. i)For enforcing or applying Our terms of use and other agreements, including for billing and collection purposes;
10. j)If the disclosure, in Our opinion, is necessary or appropriate to protect Our rights, property, or safety, customers or others. This will include exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction;
11. k)To grow Our business/ Platform and/ or help Us serve You and other customers better; and
12. l)Other than as prescribed under this Policy, we will not disclose any User Information to any external organization unless
    1. i.we have obtained the consent of the User; or
    2. ii.we are required by law to provide such information.

Your User Information which is collected by Us for a particular purpose shall be Used for that purpose only and shall not be Used for any other purpose without Your consent. We may store Your User Information to the extent required for Us to carry out Our operations, as provided herein, and for as long as the same is required for the fulfilment of purposes for which We collected it. The retention of User Information by the Company is determined by considering compliance with legal (contractual, statutory, or regulatory requirements), accounting and compliance reporting requirements. We only store Your User Information in servers located in India. We do not store any biometric data.

However, when We disclose Your User Information to certain third-party service providers, such third parties have their own privacy policies in respect to the information We are required to provide to them. For these third-party service providers, We recommend that you read their privacy policies to understand the manner in which Your User Information will be handled by them. In particular, remember that certain third-party service providers may be located in or have facilities that are located in a different jurisdiction. So, if You elect to proceed with a transaction that involves the services of a third-party service provider, then Your information may become subject to the laws of the jurisdiction(s) in which such service provider is or its facilities are located. Once You leave the Platform or are redirected to a third-party website or application, You are no longer governed by this Policy or the Platform's Terms and Conditions and in such circumstances the privacy policy of such other website will apply. We will not be liable for any acts or omissions of the third-party service provider.

Once disclosed as per the above, Your User Information will be governed by the applicable third party's privacy policy and not by this Policy.

6. Marketing

In relation to the products and services provided by Us or by third parties with whom We share Your User Information as per this Policy, You may receive marketing communications from Us or such other third parties, by messages, or email or through other digital modes, on the Platform or such other platforms including social media platforms, or on such third party platforms websites and apps including social media platforms, if You have provided Us Your User Information. We may market Our own products or services including the products and services offered by Our group companies, affiliates, subsidiaries and the product and services being offered by third parties Using such communication. The provision of such marketing activities shall be in accordance with applicable laws. For the marketing activities done by Us, We execute contracts with Our merchants, service providers, banks or other third parties. You are entitled to opt out from receiving marketing communication from Us by writing to Us at info@solfin.co.in. When You opt-out from receiving marketing communication from Us, this does not, in any manner whatsoever, impact the marketing communication You receive from other third parties with whom We share Your User Information and we do not guarantee or warrant that such third-parties will desist from contacting You. You will be required to comply with the procedures set out by such-third parties to opt out for any marketing communication from them.

We may also Use marketing and communications in order to improve and customize the content of Our ads, promotions and advertising that may be of interest to You.

7. Third Party Links

The Platform may contain links to other site, which may not necessarily be under Our control. These third parties may collect, store or otherwise process Your User Information. We do not endorse or make any representations about third-party Websites or services, and We are not responsible for any form of transmission, whatsoever, received by You from any third-party platform. Our Privacy Policy does not cover the information You choose to provide to these third parties or that is collected by these third parties. Under no circumstances shall We be deemed to control or guarantee the accuracy, integrity, or quality of the information, data, text, software, sound, photographs, graphics, videos, cookies, messages or other materials available on such platforms. We strongly encourage You to read such third parties' privacy policies.

If You decide to access any of the third-party sites linked to the Website, You do so entirely at Your own risk. Any links to any of Our third-party partners is the responsibility of the linking party, and We will not be responsible for notification of any change in name or location of any information on the Website.

8. Representations and Warranties

You hereby represent to Us that:

1. a)The User Information You provide to Us from time to time is and shall be authentic, correct, current and updated and You have all the rights, permissions and consents as may be required to provide such information to Us; and
2. b)Your provision of the User Information to Us, and Our consequent storage, collection, Usage, transfer, access or processing of the same shall not be in violation of any third-party agreement, laws, charter documents, judgments, orders and decrees.

9. Data Protection

To prevent any form of unlawful interception or misuse of User Information, We use reasonable physical, electronic, and managerial procedures to safeguard and secure the User Information collected. We use reasonable secure and technologically appropriate measures, in compliance with the Information Technology Act, 2000 and the rules related thereto to protect You against loss or misuse of Your User Information including internal reviews of data collection, storage and processing practices and other reasonable security measures which are equivalent to security measures that Company uses to protect its own confidential information.

However, no method of transmission over the internet or via mobile device, or method of electronic storage, is 100% (one hundred percent) secure. Therefore, while We strive to use commercially acceptable means to protect Your personal information, We cannot guarantee its absolute security. You, hereby acknowledge and accept that providing personal and commercial information is at Your own risk and that the Company will not be held liable for any losses or damages incurred.

Notwithstanding anything contained herein, We shall not be liable or responsible for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond Our control or forced measure or hacking.

10. Intellectual Property Rights

All content on Our Platform, including graphics, text, icons, interfaces, audio clips, logos, images, reviews, comments and software is the property of the Company and/or its content suppliers and is protected by Indian and international copyright laws and other applicable intellectual property laws. Any use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content on this Platform can only be made with the express written permission of the Company. All other trademarks, brands and copyrights other than those belonging to the Company, belong to their respective owners and are their property. You shall not modify the paper or digital copies of any materials You have printed off or downloaded in any way on or from the Platform, and You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You must not use any part of the content on Our Platform for commercial purposes without obtaining a written licence to do so from Us or Our licensors. If You print off, copy or download any part of Our Platform in breach of the terms hereof, Your right to use Our Platform will cease immediately and You shall, at our option, return or destroy any copies of the materials you have made.

11. Your Rights

We seek to provide reasonable assistance to cater to requests from individuals regarding the processing of their User Information and the right to amend their User Information and withdraw permission to the processing of their User Information. In accordance with applicable laws and as per Our policies, more specifically provided below, You can exercise the following rights:

1. a)Review, Correct or Rectify Your User Information: You can ask Us to have inaccurate User Information We process about You, reviewed, fixed or changed in the time frame as specified in the applicable law.
2. b)Right to withdraw Your consent: You may withdraw a consent to processing that You have given Us and prevent further processing of Your User Information or restricting disclosure of Your User Information to third parties. You may also withhold Your consent prior to the collection and processing of Your User Information. In such a scenario, the Company may delete Your information (personal or otherwise) or de-identify it so that it is anonymous and not attributable to You.
3. c)Delete or forget Your User Information: You may request that the User Information collected by Us, is deleted or forgotten by Us.
4. d)In addition to the rights listed above, You are entitled to the following rights under the DPDP Act, 2023:
5. e)Right to Nominate: You may nominate another individual to exercise Your rights under this Policy in the event of Your incapacity or death.
6. f)Right to Grievance Redressal: You may raise a grievance with Our designated Data Protection Officer/Grievance Officer, and We shall respond within the timelines prescribed under the DPDP Act, 2023.
7. g)Right to Register Complaints: If You are not satisfied with Our response, You may file a complaint with the Data Protection Board of India as per the DPDP Act, 2023.

If You would like to exercise any of the rights above in Clause (a), (b) or (c) You may request by submitting a request with the subject "Data Deletion" at info@solfin.co.in. These rights are limited in some situations, such as where We are legally or otherwise bound to process or retain Your User Information. Please note that this may also affect Our ability to process or enable Your User Information and may therefore lead to the discontinuation of those services or products for which this User Information was being Used for, at Our sole discretion.

Following an account deletion request/deletion of User Information request, We delete Your User Information (as specified in the Request Form), unless such User Information must be retained due to legal or regulatory requirements. If You request that We delete Your User Information or Your account, we will work hard to honor all requests in a timely manner.

Upon Your request, Your User Information will be deleted only from Our Platform. We do not undertake any responsibility to ensure deletion of the same by any third party to whom the User Information has been disclosed in accordance with this Policy, including but not limited to Our affiliates, associates, lenders/financing partners, other third parties etc. Your User Information, to the extent disclosed to such third parties, will continue to be processed and governed by the provisions of their respective privacy policies. To clarify, exercising the rights above will only result in deletion, withdrawal of consent etc., from our Platform and not from any third parties. You will continue to be governed by the privacy policies of third parties to the extent applicable to You.

Please note that the withdrawal of Your consent does not in any manner affect the lawfulness of processing of User Information which was carried out based on such a consent before its withdrawal.

If You have availed any credit facilities from Us, We shall have the right to continue processing Your User Information as per Our privacy policy, terms of use, and other contractual arrangements between You and Us and withdrawing or revoking consent on the Platform, does not affect processing or Use of Your User Information by Us.

12. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance Your browsing experience and collect information about how You use Our site. You can manage Your cookie preferences through Your browser settings.

13. Your Consent

By submitting Your personal information, You consent to the use of that information by us as detailed in this policy. You hereby expressly and irrevocably authorize the Company / its partners / affiliates to collect, store, share, obtain and authenticate any aspect of Your personal information / KYC either directly or through any of the authorized agencies and disclose such information to our agents /contractors / service providers and to also use such information in the manner that may be required by the Company/ its partners / affiliates including for the purposes of its business and for such time period as we may deem fit, within the scope of this privacy policy.

In this regard, You expressly and irrevocably authorize the Company/ its partners / affiliates to collect, use, verify and authenticate your personal identity information / KYC in any manner as may be deemed fit.

14. Governing Law or Dispute Resolution

This Policy shall be governed by and construed in accordance with the Indian laws. The courts at Gurgaon shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy.

If any dispute arises between the Company and the User in connection with or arising out of the validity, interpretation, implementation or alleged breach of any provision of the Policy, such dispute shall be referred to and finally resolved by arbitration in accordance with the Indian Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this clause. There shall be one (1) arbitrator and the seat of the arbitration shall be Gurgaon, India.

15. Disclaimer, Force Majeure and Indemnity

WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THIS SITE, THE CONTENT, SERVICES AND MATERIALS IN THE SITE ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND EITHER EXPRESS, IMPLIED OR STATUTORY. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR ENDORSEMENTS REGARDING THE ACCURACY, RELIABILITY, USEFULNESS OR COMPLETENESS OF THE SERVICES, CONTENT OR MATERIALS IN THE SITE OR ANY SITE LINKED TO IT. TO THE MAXIMUM EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, DESIGN, ACCURACY, CAPABILITY, SUFFICIENCY, SUITABILITY, CAPACITY, COMPLETENESS, AVAILABILITY, COMPATIBILITY OR ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. WE DO NOT WARRANT THAT THE SITE OR THE SERVICES, CONTENT, MATERIALS OR FUNCTIONS CONTAINED IN THE SITE WILL BE CONTINUOUSLY AVAILABLE, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE, SERVICES, CONTENT, MATERIALS OR THE SERVERS THAT MAKE THE SITE OR SUCH SERVICES, CONTENT AND MATERIALS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR ARE ACCURATE OR COMPLETE. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES, CONTENT, MATERIALS, FUNCTIONS OR PRODUCTS AVAILABLE THROUGH THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Neither the Company and its affiliates, nor their or their affiliates' officers, employees or agents shall be liable to You or anyone else for any loss, damage or expense arising out of any access to or use of Our Platform or any site linked to it, including, without limitation, any loss of revenues or profits, loss of business or loss of data, indirect, incidental or consequential loss.

You agree to indemnify, save, and hold the Company, its affiliates, contractors, employees, officers, directors, agents, third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to Your use or misuse of the services or of the Website, any violation by You of the Terms of this Privacy Policy, or any breach of the representations, warranties, and covenants made by You herein or Your infringement of any intellectual property or other right of any person or entity, or as a result of any material posted/ transmitted by You on the Website including ones that are threatening, libelous, obscene, harassing or offensive.

The Company reserves the right, at Your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify the Company, including rights to settle, and You agree to cooperate with the Company's defense and settlement of these claims. The Company will use reasonable efforts to notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it.

Notwithstanding anything contained in the policy, The Company won't be responsible for any loss or damage to You in case of any Force Majeure Event, which is unforeseeable or not within the control of the Company. A Force Majeure Event shall mean any event that is beyond the reasonable control of the Company and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer, computer system or computer network, computer crashes, breach of security and encryption (provided beyond reasonable control of the Company), power or electricity failure or unavailability of adequate power or electricity.

You agree that no transmission on the internet can be said to be fully secured, hence, the Company cannot ensure the security of all the information provided by You and You do it on Your own accord. The Company may entrust a third person with the management affairs of personal information for successful service operation and contract performance to following entities, and entities and will manage trustee to protect Personal Information from theft, leak, loss, falsification, harm in accordance with applicable laws and regulations.

16. Contact Us

If You have any questions, concerns, or requests regarding this Privacy Policy or the processing of Your personal information, please contact us at:

For any grievances or concerns relating to Your Personal Data, You may contact Our designated Data Protection Officer (DPO) / Grievance Officer appointed under the DPDP Act, 2023 at the following details:

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be effective upon posting the revised Privacy Policy on Our Platform. We encourage you to review this Privacy Policy periodically to stay informed about how We collect, use, and protect your personal information.

By using Our website or services after any changes to this Privacy Policy, You acknowledge and agree to the revised terms.

18. Disclaimer

We make no warranties or representations about the accuracy or completeness of Our Platform. You understand and expressly agree that to the extent permitted under applicable laws, in no event will the Company or any of its affiliates or group companies or any of their respective officers, employees, directors, shareholders, agents, or licensors be liable to You or anyone else under any theory of liability (whether in contract, tort, statutory, or otherwise) for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of revenues, profits, goodwill, Use, data or other intangible losses (even if such parties Were advised of, knew of or should have known of the possibility of such damages), resulting from: Your Use of the Platform or any parts thereof; (ii) unauthorized access to or alteration of Your transmissions or data; (iii) any other matter relating to the services; including, without limitation, damages for loss of Use, data or profits, arising out of or in any way connected with availing of the services.

We have endeavoured to ensure that all the information provided by Us and/or by third party service providers on the Platform is correct, We neither warrant nor makes any representations regarding the quality, accuracy or completeness of any data or information displayed on the Platform. We make no warranty, express or implied, concerning the Platform and/or its contents and disclaim all warranties of fitness for a particular purpose and warranties of merchantability in respect of information displayed and communicated through or on the Platform, including any liability, responsibility or any other claim, whatsoever, in respect of any loss, whether direct or consequential, to You or any other person, arising out of or from the Use of any such information as is displayed or communicated through or on the Platform.

Notwithstanding anything to the contrary herein, You hereby irrevocably waive any right or remedy to seek and/or obtain injunctive or other equitable relief or any order with respect to, and/or to enjoin or restrain or otherwise impair in any manner, the production, distribution, exhibition or other exploitation of the Company or any of its affiliate or group company related project, or the Use, publication or dissemination of any advertising in connection with such project.

Your sole and exclusive remedy for any dispute with Us shall be to discontinue the Use of the Platform and the services.

19. Compliance with the Digital Personal Data Protection Act, 2023

We acknowledge and confirm that We act as a 'Data Fiduciary' under the DPDP Act, 2023. Accordingly, We shall:

1. a)Process Your Personal Data only for lawful purposes communicated to You;
2. b)Implement reasonable security safeguards to prevent personal data breaches;
3. c)Notify the Data Protection Board of India and affected Users in the event of a personal data breach;
4. d)Ensure accuracy and completeness of Personal Data processed;
5. e)Delete Personal Data when the purpose of processing is no longer served or when retention is no longer necessary;
6. f)Undertake data processing through Data Processors only under valid contracts ensuring compliance with the DPDP Act, 2023;
7. g)Publish details of the Grievance Officer and establish an effective grievance redressal mechanism; and
8. h)Adhere to all other obligations prescribed under the DPDP Act, 2023, as may be applicable to a Data Fiduciary.