Thank you for making it to Rupeeq. Know the terms of the service agreement. The information in this agreement is for the protection of both you and us.

By clicking RupeeQ T&C, I hereby declare that I am Indian National. I agree to RupeeQ Privacy Policy and T&Cs and authorize RupeeQ to carry out credit enquiries on the Credit Bureaus. I give my consent to one or more lending partners of RupeeQ to make one or multiple credit enquiries with the credit bureaus or any other agencies authorized by RBI. I also authorize RupeeQ to retrieve credit report on my behalf from CRIF Highmark Private Limited.

By clicking on verify, you consent to receiving communications including but not limited to SMS, e-mails, phone calls, WhatsApp, RCS from us and/or our partners, including Banks and NBFCs, with respect to your transaction on the website or for any other purpose. This consent will override any registration for DNC/NDNC. You hereby consent to RupeeQ being appointed as your authorised representative to receive your Credit Information from Experian and sharing it with its affiliate financial partners (Specified Users under CICRA, 2005) for the purpose of providing curated products and sharing the Credit Information with such affiliate financial partners. (“End Use Purpose”)

This Terms of Service Agreement (the 'Agreement') governs your use of the website Rupeeq.com (the 'Website'), Rupeeq ('Business Name') & the offering of products and services on this Website. This Agreement includes and incorporates by this reference, the policies and guidelines referenced below. Rupeeq reserves the right to change or revise the terms and conditions of this Agreement at any point of time by posting any changes or a revised Agreement on this Website. Your use of the Website following the posting of any such changes or of a revised Agreement will imply your acceptance of any such changes or revisions. Rupeeq encourages you to review this Agreement whenever you visit the Website to make sure that you understand the terms and conditions governing the use of the Website. This Agreement does not alter, in any way, the terms or conditions of any other written agreement you may have with Rupeeq for other products or services. If you do not agree to this Agreement (including any referenced policies or guidelines), please terminate your use of the Website immediately.

Products

Terms of Offer

This Website offers certain Products and Services (the 'Products'). By availing or using Products through this Website, you agree to the terms set forth in this Agreement.

Customer Solicitation

Unless you notify our third-party call center representatives or direct Rupeeq representatives, of your desire to opt out from further direct company communications and solicitations, you are agreeing to continue to receive further emails /call solicitations from Rupeeq and its designated in-house/ third-party call team(s).

Proprietary Rights

Rupeeq has proprietary rights and trade secrets in the Products and Services offered. You can not copy, reproduce, resell or redistribute any Product or Services distributed and/or offered. Rupeeq also has the sole rights to all trademarks/trade dress and specific layouts of this webpage, including calls to action, text placement, images and other information.

Website

Content, Intellectual Property, Third Party Links

In addition to making the Products and Services available, this Website also offers information and marketing materials. This Website also offers information, both directly and through indirect links, to third-party websites. Rupeeq does not always create the information offered on this Website; instead, the information is often gathered from other sources. If at all Rupeeq creates some of the contents on this Website, such content is protected by intellectual property laws of India, foreign nations, and international bodies. Unauthorized use of the material may violate copyright, trademark, and/or other laws. You acknowledge that your use of the content on this Website is for personal and non-commercial use. Any links to third-party websites are provided solely as a matter of convenience to you. Rupeeq does not endorse the contents on any such third-party websites. Rupeeq is not responsible for any damage that may result from your access to or reliance on these third-party websites. If you link to any of these third-party websites, you do so at your own risk.

Use of Website

Rupeeq is not responsible for any damages resulting from the use of this website by anyone. You will not use the Website for illegal purposes. You will

(1) abide by all applicable local, state, national, and international laws and regulations in your use of the Website (including laws regarding intellectual property), (2) not interfere with or disrupt the use and enjoyment of the Website by other users, (3) not resell materials on the Website, (4) not engage, directly or indirectly, in transmission of 'spam', chain letters, junk mail or any other types of unsolicited communication, and (5) not defame, harass, abuse, or disrupt other users of the Website.

License

By using this Website, you are granted a limited, non-exclusive and non-transferable right to use the content and materials on the Website in connection with your normal/non-commercial use of the Website. You may not copy, reproduce, transmit, distribute, or create derivative works of such content or information without prior written authorization from Rupeeq or the applicable third party (if the third-party content is at issue).

By posting, storing or transmitting any content on the Website, you hereby grant Rupeeq a perpetual, worldwide, non-exclusive, royalty-free and assignable right and license to use, copy, display, perform, create derivative works from, distribute, have distributed, transmit and assign such content in any form, in all media now known or hereinafter created, anywhere in the world.

CRIF/Credit Report

I/We agree to undergo KYC requirements as required and specified by CRIF and allow Rupeeq to pull our CRIF/Credit report.

Disclaimer of Offers/ Benefits

Your use of this website and/or products and services are at your sole risk. The website and products are offered on 'as is' and 'as available' basis. Rupeeq expressly disclaims that offers/ benefits of any kind, whether express or implied, including, but not limited to, and non-infringement with respect to the products or website content, or any reliance upon or use of the website content or products are at sole discretion of Rupeeq. It can remove these offers at any time without any prior notice.

We also hereby declare that our current offers related to free tax advisory and ITR filing is available only for salaried persons.

Limitation of Liability

Rupeeq shall not be liable entirely or partly, for any of your remedy, in law, in equity, or otherwise, with respect to the website content and products/services.

Rupeeq will not be liable for any direct, indirect, incidental, special or consequential damages in connection with this agreement or the products/services in any manner, including liabilities resulting from (1) the use or the inability to use the website content or products/services; (2) the cost of procuring substitute products/services or content; (3) any products/services availed, obtained or transactions entered into through the website; or (4) any lost profits you allege.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages. Hence, some of the above limitations may not be applicable to you.

Indemnification

You will release, indemnify, defend and hold harmless Rupeeq, and any of its shareholders, directors, employees, officers, contractors, agents, affiliates and assignees from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of

(1) this Agreement or the breach of your representations and obligations under this Agreement; (2) the Website content or your use of the Website content; (3) the Products/Services or your use of the Products/Services (including Trial Products/Services); (4) any intellectual property or other proprietary right of any person or entity; (5) your violation of any provision of this Agreement; or (6) any information or data you supplied to Rupeeq. When Rupeeq is threatened with suit or sued by a third party, Rupeeq may seek written assurances from you concerning your promise to indemnify Rupeeq; your failure to provide such assurances may be considered by Rupeeq to be a material breach of this Agreement. Rupeeq will have the right to participate in any defense by you of a third-party claim related to your use of any of the Website content or Products/Services, with a counsel of Rupeeq’s choice at its expense. Rupeeq will reasonably cooperate in any defense by you of a third-party claim at your request and expense. You will have sole responsibility to defend Rupeeq against any claim, but you must receive Rupeeq’s prior written consent regarding any related settlement. The terms of this provision will survive any termination or cancellation of this Agreement or your use of the Website or Products.

Privacy

Rupeeq believes strongly in protecting user privacy. You can read here, the complete Privacy Policy of Rupeeq

Agreement to be Bound

By using this Website or availing Products/Services, you acknowledge that you have read and agreed to be bound by this Agreement and all terms and conditions on this Website.

Credit Score

In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by CRIF High Mark (“CIC”) through RupeeQ (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Agreement entered into between the Company and CIC, and the Company has granted its consent for being appointed for the aforesaid purpose.

I grant my unconditional consent to the Company to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and CIC, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and CIC understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and CIC

I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.

I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from CRIF High Mark. I further authorize Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.

I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit Information from CIC.

By submitting this registration form, I understand that I am providing express written instructions for Company to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Company account. I further authorize Company to retain a copy of my information for use in accordance with Company’s Terms of Use and Privacy Policy.

I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND CIC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against CIC L by third parties arising from and in connection with this letter.

I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. CIC is entitled to assign its rights hereunder to any third person without taking my prior written consent.

General

Force Majeure

Rupeeq will not be deemed in default hereunder or held responsible for any cessation, interruption or delay in the performance of its obligations hereunder due to earthquake, flood, fire, storm, natural disaster, the act of God, war, terrorism, armed conflict, labor strike, lockout, or boycott.

Cessation of Operation

Rupeeq may at any time, in its sole discretion and without advance notice to you, cease operation of the Website and distribution of the Products.

Entire Agreement

This Agreement comprises the entire agreement between you and Rupeeq and supersedes any prior agreements pertaining to the subject matter contained herein.

Effect of Waiver

The failure of Rupeeq to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect.

Statute of Limitation

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Website or Products/Services or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Waiver of Class Action Rights

By entering into this agreement, you hereby irrevocably waive any right you may have to join claims with those of others in the form of a class action or similar procedural device. Any claims arising out of, relating to, or connection with this Agreement must be asserted individually.

Termination

Rupeeq reserves the right to terminate your access to the website if it reasonably believes, in its sole discretion, that you have breached any of the terms and conditions of this Agreement. Following termination, you will not be permitted to use the Website and Rupeeq may, in its sole discretion and without advance notice to you, cancel any outstanding orders for Products. If your access to the Website is terminated, Rupeeq reserves the right to exercise whatever means it deems necessary to prevent unauthorized access to the Website. This Agreement will survive indefinitely unless and until Rupeeq chooses, in its sole discretion and without advance to you, to terminate it.

Domestic Use

Rupeeq makes no representation that the Website or Products/Services are appropriate or available for use in locations outside India. Users who access the Website from outside India do so at their own risk and initiative and must bear all responsibility for compliance with any applicable local laws..

Assignment

You may not assign your rights and obligations under this Agreement to anyone. Rupeeq may assign its rights and obligations under this Agreement in its sole discretion and without advance notice. By using this website or availing products/services from this website, you agree to be bound by all of the terms and conditions of this agreement.