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Groww Credit Terms of Service

  1. Introduction to Groww Credit Terms
  1. In these Terms, us, our, we, or Groww means Billionbrains Garage Ventures Limited (“BGV”), a public limited company?which owns and operates the Groww Credit Platform (which term includes the application and the website) as and when required.?
  2. Groww is a company incorporated under Indian laws. Through our Platform, you can access these “Services”: (a) facility to access your own credit information and other related services (“Credit Information Services”), (b) certain financial services including provision of loans offered by regulated entities that partner with us (“Partner REs”), and (c) other services that Groww may offer from time to time.
  3. These Terms are a legally binding document between you and us. Please read these Terms carefully before using our Platform or Services. For your ease, we have provided summaries of some important Terms. However, in case of any conflict between the summaries and these Terms, the Terms will prevail. Any capitalised words used in the summaries will have the same meaning as assigned to the words in these Terms. These Terms are an electronic record in terms of the Information Technology Act, 2000 (“IT Act”), and do not require any physical or digital signatures.?
  4. By accessing our Platform or Services, or clicking ‘I Agree’ or ‘Submit’ (if provided), you are indicating your acceptance of the Terms. It means that you have read, understood, and agreed to be bound by these Terms, and to the collection and use of your information as mentioned in our Privacy Policy, and any other policies, procedures and forms? available on the Platform, as amended from time to time (collectively referred to as “Policies”). The Policies also include the terms as per which we pull your credit information from credit bureaus (“Credit Information Terms”). You can communicate acceptance to the Credit Information Terms by clicking on ‘I Agree’, when the Platform prompts you to do so. The Policies are incorporated by reference into these Terms. If the contents of any of our other Policies conflict with these Terms, these Terms will prevail over the Policies.??
  5. You agree that you will use our Platform and Services only in accordance with all applicable acts of legislature, rules, regulations, bye-laws, ordinances, notifications, directives, orders of government authorities, tribunals and courts, and applicable international treaties and customs, in force in India (collectively referred to as “Applicable Laws”).
  6. If you have any queries or concerns regarding these Terms, please contact our Help Desk at [email protected].
  7. Groww may, in its sole discretion, refuse to offer the Services to any person or entity, and change its eligibility criteria (to avail Services) at any time.

2. Account Activation

Summary: To use our Services, you must be an Indian resident or citizen above the age of 18 years with an active mobile number and bank account. We need to collect personal information from you to create your Account on our Platform. If you fail to provide the necessary information or documents, you may not be able to use our Platform or Services.
  1. To be eligible to use our Services, you must be an Indian resident or citizen above the age of 18 years with an active mobile number and bank account. You must also be capable of accessing or using the Services without violating any Applicable Laws, and have the capacity to read, accept, and be bound by these Terms.
  2. To create your account (“Account”) on our Platform and to provide you access to our Services, we may collect personal information from you. Such personal information may include but is not limited to name, email ID, phone number, address, bank account details and identity documents like Aadhaar or PAN. Unless you provide us the information that we seek through the Platform, we may not be able to create an Account for you.?
  3. To access the services of our Partner REs, you may be required to submit documents for Know-Your-Customer (“KYC”) verification. Our Partner REs may use these documents to verify your identity in accordance with Applicable Laws and their own terms of service. If you fail to submit these documents, you may not be able to use certain facilities available on our Platform.
  4. You agree that Groww shall maintain a record of Your personal information and financial transactions in a secure and confidential manner, the manner in which personal data and other information is collected, received, stored, processed, disclosed, transferred, dealt with or otherwise handled by Groww has been contemplated in Our privacy policy. Your personal information and other information may be shared with other entities and the list such third party entities has been provided in Our privacy policy and You hereby give Your explicit consent for the same.?
  5. You hereby give your consent to our Partner REs to fetch your KYC details and/or documents from the CKYC Portal. However, in the event where certain required details and/or documents are not available on the CKYC Portal for the purpose of availing the Services then in that case, our Partner REs shall fetch such details and/or documents from its group, subsidiary and associate company and You herewith agree and give Your consent for the same.
  6. You hereby authorise our Partner REs to, with your prior explicit consent, place a lien on your mutual fund/security holdings in accordance with your agreement with the Partner REs. You further agree, understand, and acknowledge that a lien once placed can only be revoked by the Partner REs at their sole discretion, upon repayment of any borrowings by you. You agree to keep us, the Partner REs, Registrar and Share Transfer Agents, Asset Management Companies and all other entities engaged in the lien marking process indemnified from any losses that may be caused to them due to your conduct.

3. Disclaimer

Summary: We disclaim our liability with respect to credit information that we access from credit bureaus on your behalf. Also, we do not offer any regulated financial services to you on our own.
  1. We do not guarantee that the information we access as part of our Service, including credit report or any of other credit information, is the same information that a third party may use to assess your creditworthiness or eligibility for any particular financial product or service.
  2. Groww does not independently provide any credit information through its Credit Information Services or other Services. We accept no responsibility for such credit report or credit information. Our responsibility is limited to collecting information on your behalf, from the credit bureaus, as your authorised representative. We are not liable for any losses that may occur as a result of the acts or omissions of the relevant credit bureaus.
  3. Groww is a technology service provider and it does not provide any financial services to you.?

4. Service Availability and Updates to Platform

  1. Downtime: Groww will try to provide you with uninterrupted access to the Service. However, we cannot guarantee that the Service will be available at all times. There may be situations of downtime during which the Service including any third-party services accessible through the Groww browser may be unavailable for reasons or factors beyond our reasonable control. We are not responsible or liable in any manner for any loss that you may suffer due to such outage or Service disruption. We may also regularly conduct scheduled maintenance operations for you to effectively use our Service. Outages caused by routine scheduled maintenance will not be considered as downtime.?
  2. Updates to Groww Service or Platform: We may update our Platform to enhance functionality and provide improved features. Accordingly, you may be required to install the updated versions of the Groww Platform to continue using the Service.??

5. Grievance Redressal

Summary: For grievances relating to payments, refunds or the functioning of our Platform, you can contact our Grievance Officer at [email protected]

Groww will be your point-of-contact for addressing any grievances relating to the functioning of our Platform or Services. You can contact our Grievance Officer at [email protected]. This Grievance Officer will also serve as the designated Grievance Officer under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. In certain cases, we may re-direct your grievance to our Partner REs or credit bureaus, if we cannot resolve it on our own.

6. Your Responsibilities

Summary: You must always (a) provide us with correct information, (b) not engage in any illegal activities, (c) access the Platform or Services only for personal use, (d) keep your hardware, software and log-in credentials secure, and (e) respect the security of our technical systems.
  1. Duty to provide complete, truthful and accurate information: It is critical that all information you provide to us is true, complete, not misleading and is regularly updated by you. If all or any part of the information that you provide is incorrect, incomplete or misleading, it would be a breach of these Terms. If you discover any information provided is incorrect, incomplete or misleading, then please write to our Grievance Officer immediately.
  2. Duty to not engage in any illegal activities: While using this Platform, You agree NOT to, by any means indulge in illegal or unauthorized activities including but not limited to copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, alter, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Platform, except that You may download the Platform for Your own personal, internal use and non-commercial use.

You agree that You will not use the Platform in any manner or engage in any activity that may damage, disable or impair or adversely affect the use of the Platform or interfere with any other users’ use, legal rights, or enjoyment of the Platform. Additionally, You agree not to remove any text, copyright or other proprietary notices contained in the content downloaded from the Platform.

Further, You undertake not to:

c. Duty to not use the Services for commercial purposes: You must use our Platform and Services only for personal purposes.

d. Duty to keep hardware, software and log-in credentials secure: Considering the nature of the Platform and Services provided, please ensure that you keep your mobile device safe. You are solely responsible for all activities that occur from your Account. You must keep your password safe and not disclose your Account details to any third party or share the Account with any third party. If you think someone has gained access to your Account, please contact our Grievance Officer immediately and follow instructions provided to secure your Account. You must also ensure that you keep updating the Platform as and when we release new versions of it. Failure to do so may render you incapable of using certain Services or the Platform altogether.

e. Duty to respect security of the Platform: You must not access non-public areas of the Platform and our technical delivery systems. You must not introduce bots or malicious software into our Platform, or scrape the Platform for user information. You must refrain from probing, or testing vulnerabilities in our systems, authentication and security measures. We may report such actions to law enforcement authorities and pursue legal recourse.

f. Further, you must not (directly or indirectly): (i) take any action that imposes or may impose an unreasonable or disproportionately large load on Groww’s (or its third party providers’) infrastructure; or (ii) impair, damage, or disable Groww’s server or application; (iii) interfere or attempt to interfere with the proper working of the Service or any activities conducted on the Service; (iv) create any restriction on access to or availability of the Service; (v) attempt to gain unauthorized access by way of hacking or any other means to the Groww’s interface; or (vi) bypass any measures Groww may use to prevent or restrict access to the Service.

g. You are prohibited from selling, trading, or otherwise transferring Your Account to another party. Further, You shall ensure and confirm that the Account information and all information provided by You is complete, accurate and up-to-date. If there is any change in the Account information, or if any information is found to be incomplete or incorrect, You shall promptly update Your Account information on the Platform. If You provide any information that is untrue, inaccurate, unauthorised, not current, or incomplete (or becomes untrue, inaccurate, not current, or incomplete), or if We have reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, We have the right to refuse or reject providing Services to You.

h. You agree to (a) immediately notify Us of any unauthorized use of Your Account information or any other breach of security, and (b) ensure that You exit from Your Account at the end of each session. We shall not be liable for any loss that You may incur as a consequence of unauthorized use of Your Account either with or without Your knowledge. You may be held liable for losses incurred by Us or any other User of or visitor of the Platform due to authorized or unauthorized use of Your Account as a result of Your failure in keeping Your Account information secure and confidential. You hereby acknowledge and agree that the deletion of the Platform from Your device does not constitute termination of Your Account and agree to undertake the process detailed herein in order to complete the de-registration of Your Account (“De-registration”). If and when You are desirous of having Your name and other details removed from Our records, immediately upon receiving Your written request to that effect, We shall remove and/delete all such information. However, We may retain certain information regarding Your Account, even after receiving a deletion request from You, where such retention is required under applicable laws. You hereby acknowledge that the removal of Your details from the Platform does not constitute termination of Your outstanding obligations, if any, to Us.

7. User Content?

Summary: You must not post any User Content on our Platform which belongs to a third-party. We may display, adapt or modify the User Content posted by you on our Platform and you grant us permission to do so.
  1. You?may be allowed to?write or upload content (collectively, “User Content”) on the Platform strictly in accordance with the Terms.?
  2. You represent and warrant that you own the User Content posted by you (if any), or that you otherwise have sufficient right, title and interest in and to such User Content to allow you to post such User Content on the Platform in accordance with these Terms.?
  3. By displaying or publishing any User Content on or through the Platform, you hereby grant Groww a non-exclusive, royalty-free, transferable, sublicensable, worldwide license to use, display, reproduce, adapt, modify (e.g., re-format), rearrange, and distribute your User Content through any media now known or developed in the future.??
  4. Subject to Applicable Laws, this?license will terminate at the time you remove your User Content from the Platform. However, for any User Content that we have sublicensed prior to your removal of such User Content from the Platform, the license will continue in perpetuity.?
  5. If any User Content posted by you is found to be in violation of another person’s intellectual property or any other rights in any manner, then you will be absolutely and solely liable for such violation and no liability will be incurred by Groww for the same.
  6. If we find that you misuse features, offers, or promotions offered through the Platform, we may suspend accounts, or restrict your usage of the Platform.?

8. Prohibited Content?

Summary: You must not post any User Content on our Platform which could violate Applicable Laws or rights of third-parties. This includes User Content which is defamatory, obscene, privacy violating, harmful, misleading, violence inciting etc.

We reserve the right, in our sole and absolute discretion, to determine whether User Content is appropriate; and to remove any User Content, without notice to you, which we determine to be inappropriate. Without limiting the generality of the foregoing, the following is an inexhaustive list of the types of User Content that we deem to be inappropriate. Content that:?

  1. belongs to another person and to which the user does not have any right;
  2. is defamatory?or libellous;??
  3. is?obscene, pornographic, paedophilic,?disrespectful,?invasive of another’s privacy, including bodily privacy, insulting or harassing on the basis of gender, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;??
  4. is harmful to a person below the age of 18 years;??
  5. infringes any patent, trademark, copyright or other proprietary rights;??
  6. violates any law for the time being in force;??
  7. 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;??
  8. impersonates another person;??
  9. threatens the unity, integrity, defence, security or sovereignty of India, 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 to other nations;??
  10. contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of our technical systems;??
  11. 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;?
  12. contains any abusive, or explicit language;?
  13. involves the transmission of unsolicited messages like ‘junk mail’, ‘chain letters’, ‘spimming’, or ‘spamming’;
  14. contains restricted or password only access pages or hidden pages or images (those not linked to or from another accessible page);?
  15. furthers or promotes any criminal activity or enterprise or provides instructional information about illegal activities including, but not limited to violating someone’s privacy;??
  16. involves commercial activities and/or sales without our prior written consent such as contests, sweepstakes, barter, advertising, or pyramid schemes;?and
  17. solicits passwords or personal identifying information for commercial or unlawful purposes from other users.?

9. Third-party Liability

Summary: In order to provide you with functional Services, we work with various third parties. These third parties have their own protocols, terms of service and privacy practices. We cannot be responsible for their activities. Third-party products or services displayed on the Platform are also not endorsed by us. Please use these products or services at your own risk and carefully read the terms of service of the third-parties offering them.
  1. To provide the Services to you, we will need to use third-party services. This is done to facilitate payment to and from you, offer different services on our Platform and for other practical and functional purposes. While we have appropriate agreements in place with these third-parties, we do not accept any liabilities that may arise from our use of or reliance on such third-party services.?
  2. We may display various offers, products, incentives, or advertisements from third-parties during the provision of our Services. This does not mean that we endorse such third-parties’ products or services, and will have no liability to you concerning such products or services.

10. Termination of Services

Summary: You may terminate this agreement by deleting your Account on our Platform. We may terminate this agreement by removing your access to our Platform and Services. Unless this agreement is terminated by us or you, it will remain effective indefinitely.

?
  1. Indefinite term until termination:?These Terms will be effective until terminated by us or you. You may terminate the Terms and your use of our Services by choosing the option to delete your Account. We reserve the right, at any time, to: (i) discontinue or modify any aspect of the?Platform; and/or (ii) terminate these Terms and your use of the?Platform with or without cause. We may?remove?your access to the Platform and Services immediately if you use the Platform in contravention of our Policies.?
  2. Instead of terminating your use of the Platform entirely, we may alternatively suspend or restrict your Account, or block your ability to use any particular feature of the Platform.
  3. Our Partner REs and other partners may also terminate or suspend their services provided to you. Such termination or suspension will be guided by the specific terms that you agree to with such third parties.
  4. The termination of Services and these Terms will not affect your or our accrued rights arising under these Terms.?

11. Indemnity

Summary: You will compensate us for any losses caused by your use of our Platform or Services, your breach of these Terms, your irresponsible conduct, or your breach of Applicable Laws or third-party rights.

You agree to indemnify, defend, and hold harmless, us, our affiliates, agents, directors, employees, and officers, from and against any claims, costs, complaints, damages, expenses, losses, liabilities, including attorneys’ fees, arising out of, or in relation to, or due to:

  1. your access or use of the Platform or the Services;
  2. your breach of the Terms;
  3. your improper, irresponsible, or illegal use of the Platform or the Services; and
  4. your breach of Applicable Law or third-party rights.

12. Privacy

Our Privacy Policy explains our data collection and management practices. By using our Services, you confirm that you have read, and accepted our Privacy Policy.?

13. Intellectual Property Rights

Summary: We own the content on the Platform. You cannot duplicate or commercially exploit the Platform or its content.
  1. We grant you a non-exclusive, non-transferable, non-sublicensable right to use our Platform and Services solely for your personal use.
  2. Our Platform and all intellectual property rights contained therein, including but not limited to any content, are owned or licenced by us. Intellectual property rights mean rights such as: copyright, trademarks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). Our intellectual property includes all logos related to the Services. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Groww. You may not copy, imitate or use Groww’s intellectual property rights without our prior written consent.
  3. We reserve all of our rights in any intellectual property in connection with these Terms. This means, for example, that we remain owners of them and are free to use them as we see fit.
  4. Nothing in these Terms grants you any legal rights in the Platform or Services, other than as mentioned in these Terms. You agree not to adjust or try to circumvent or delete any notices contained on the Platform (including any intellectual property notices) or any digital rights or other security features embedded in the Platform.
  5. Any feedback, comments, suggestions, ideas (in any form) or any other information that you may provide for improvements to Services (“Feedback”) is given entirely voluntarily. We will be free to use, disclose, reproduce, license, or otherwise distribute and exploit such Feedback as it sees fit, entirely without obligation or restriction of any kind. Feedback includes, without limitation, feedback you provide to us in response to any surveys we conduct, through any available technology, about your experience. We are free to create derivative works of such Feedback.

14. Confidentiality

Summary: You must not disclose any Confidential Information you receive from us to third-parties. If you do so, we will be entitled to seek an injunction in addition to other remedies.
  1. For these Terms, “Confidential Information” of Groww means (a) any information regarding our business, (b) information relating to our current, future, and proposed projects, (c) all data collected or generated in relation, or pursuant, to Services, and (d) such other information which by its nature or the circumstance of its disclosure is confidential.
  2. You agree that you may receive our Confidential Information in connection with the provision of the Services. You will not disclose to any third-party our Confidential Information that you may have access to during and in connection with the use of the Services.
  3. You agree that monetary damages may not be a sufficient remedy for unauthorized disclosure of any Confidential Information and that we will be entitled, without waiving any other rights or remedies, to such injunctive or equitable relief as may be deemed proper.
  4. You will notify us immediately upon discovery of any unauthorized use or disclosure of Confidential Information or any other breach of this Clause 13 (Confidentiality). You will cooperate with us in every reasonable way to help regain possession of such Confidential Information and prevent its further unauthorized use.
  5. Upon termination of these Terms, we may instruct you to return or delete our Confidential Information. You must comply with our instructions and provide confirmation about return or deletion of our Confidential Information.
  6. The confidentiality obligations herein will not apply to information:

(i) in the public domain without breach of these Terms;?

(ii) that you can establish by competent proof, was in your possession before receipt from us and was not acquired, directly or indirectly from us; or

(iii) obtained from a third-party not under an obligation of confidentiality to us.

g. The disclosure restriction does not apply to the extent that such disclosure is compelled under Applicable Laws or by any order of a court of competent jurisdiction or any regulatory authority. Provided that where practicable, you will provide us with prompt written notice of such disclosure demand.

15. Dispute Resolution

Summary: Any dispute relating to these Terms will be resolved through arbitration. The arbitration proceedings will be held in Bengaluru and they will be conducted in English.

Disputes arising out of, or relating to the Terms, or Services (collectively, “Dispute”) will be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 1996. The seat of arbitration will be Bengaluru. The arbitration proceedings will be held before a sole arbitrator, appointed by mutual consent of the parties. The language of the arbitral proceedings will be English. The arbitral award will be final and binding upon the parties. Arbitration will be confidential.

16. Governing Law and Jurisdiction

Summary: These Terms will be governed by Indian law and courts in Bengaluru will have exclusive jurisdiction to adjudicate disputes relating to these Terms.
  1. Governing Law: These Terms will be governed by Indian law.
  2. Jurisdiction: Subject to the Dispute Resolution provision, Courts in Bengaluru will have exclusive jurisdiction to adjudicate Disputes. For this purpose, you submit to the personal jurisdiction of Courts at Bengaluru, India.?

17. Limitation of Liability

Summary: We provide our Services ‘as is’, and we make no promises or guarantees about these Services. We will not be liable for damages or losses arising from your use or inability to use the Services.
  1. The Services are provided on an “as is” basis without any representation or warranties, express or implied except otherwise specified in writing. We do not warrant the quality of the Services, including its uninterrupted, timely, secure or error-free provision, continued compatibility on any device, or correction of any errors.?
  2. Except as required under Applicable Law, we, or our affiliates, agents, directors, employees, and officers, will have no liability to you for any harm arising out of your access or use of Services. To avoid doubt, we, or our affiliates, agents, directors, employees, and officers, will not be liable for consequential, direct, indirect, punitive, special damages, including lost business, goodwill, profits, or revenues, arising out of your access or use of the Services, in any manner.
  3. We cannot assure compliance with our Terms of Service by partners or other users. You assume the risk of harm resulting from non-compliance by other users or partners.
  4. If the above liability exclusion is held invalid for any reason, and if we, or our affiliates, agents, directors, employees, and officers, become liable for loss or damage, any such liability will be limited to INR 500, if any, to access the Services.

18. No Representation or Warranty

  1. No information sent to any user through this Platform or available on this Platform shall constitute any representation or warranty by Us regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity. It is Your responsibility to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any statements, services or other information provided on this Platform. All information in this Platform is being provided under the condition and understanding that the same is not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. We may at any time (without being obliged to do so) update, edit, alter and or remove any information in whole or in part that may be available on this Platform and shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability. Nothing contained herein is to be construed as any advice or recommendation to use any product or Service. Though We will endeavour to ensure that information contained on this Platform is obtained from sources which are reliable, however We do not warrant such information’s completeness or accuracy Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. We will not be liable for malfunctions in communications facilities not under Our control that may affect the accuracy or timeliness of messages and transactions that You may initiate.
  2. We do not represent or warrant that the Platform will be uninterruptedly available. Please note that the Platform may not meet Your requirements, that access may be interrupted, that there may be delays, failures, errors or omissions, technical issue or loss of transmitted information, that viruses or other contaminating or destructive properties may be transmitted or that damage may occur to Your computer system. You have the sole responsibility for ensuring adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third-party software that may be used relating to the Platform.
  3. You acknowledge that the software and hardware underlying the Platform as well as other internet related software which are required for accessing the Platform are the legal property of the respective vendors. The permission given by Us to access the Platform will not convey any proprietary or ownership rights in the above software/hardware to You. Please note that not all the Services are available in all geographical areas and depending on Your location, You may not be eligible to avail certain Services. We reserve the absolute right to determine the availability and eligibility for any of the Service offered on the Platform. We are not responsible for the availability of content or other Services on third party sites linked from the Platform and We urge You to read the terms of use of the respective third party sites, before accessing or registering with any of such third party sites. Further, We do not make any warranties and expressly disclaim all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or noninfringement with respect to any information or services or products that are available or advertised or sold through these third-party websites.
  4. We shall not be liable for failure or error of any transaction on the Platform or for any failure on Our part to perform any of its obligations under these T&C if performance is prevented, hindered or delayed by a Force Majeure Event (defined below) and in such case its obligations under these T&C shall be suspended for so long as the Force Majeure Event continues. The term “Force Majeure Event” means any event due to any cause beyond the reasonable control of the affected party, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

19. General Provisions

  1. Notification: We may notify you about relevant information pertaining to your use of the Services or promotional offerings by push notification on the Platform, SMS, call, WhatsApp, instant messaging services or email or through any other means that we may deem appropriate. You authorize us to reach out to you. You may opt out of some of these messages unless they are necessary for the delivery of Services, for compliance with Applicable Laws, or for information security. You may opt out of receiving promotional communication on your devices from us by writing to us at [email protected]??
  2. No Waiver: Our failure to exercise any right or provision under these Terms will not be construed as a waiver of the right or provision. Waivers must be signed and written by us, to take effect.
  3. Force Majeure:? We will not be liable for any breach of these Terms due to any force-majeure event such as act of god, power failures, failure in any communication systems, equipment breakdown, strikes, lock-downs, pandemics or any other cause beyond our control.?
  4. Assignment: You will not assign or transfer any right or obligation that has accrued to you under these Terms. Any attempt by you to assign or transfer such rights and obligations, will be void. We may assign or transfer any right or obligations that accrued in our favour, at our sole discretion, without restriction.
  5. Amendment: We reserve the right to change, modify, add to, or remove any portions of these Terms at any time, subject to Applicable Law.
  6. Severability: If any provision of these Terms is held illegal or unenforceable, the remaining Terms will not be affected. A provision held to be illegal or unenforceable will be substituted by a provision of similar import reflecting the original intent of the parties, to the extent permissible under Applicable Law.
  7. Communication: You hereby expressly agree to receive communications by way of calls (including using pre-recorded messages or artificial voice), SMS, emails and/or WhatsApp from Us and other third parties duly authorized by Us for the purpose of providing You Services in the most efficient manner possible including but not limited to providing You promotional and marketing content etc. You certify, warrant and represent that the telephone numbers and/or email addresses and any other information that You have provided to Us are Your own and are true, accurate, current and complete. You agree to notify Us whenever You stop using a particular telephone number(s) and/or email address(es). You can unsubscribe or opt-out from receiving communications through calls, SMS, e-mail, and WhatsApp anytime by writing to Us at the email ID provided in these T&C. In which case, We shall only send You communications solely required for the purposes of the Services.
  8. Survival: The provisions concerning Intellectual Property, Indemnity, Limitation of Liability, Dispute Resolution, Governing Law and Jurisdiction, these General Provisions or any other terms that are deemed by their very nature to survive the termination of the Terms will survive the termination of the Terms.

The Terms of Use were last updated on 18th December, 2025.

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