Dated 15th September 2023 | India1 Payments Ltd.

This Terms of Use Agreement sets forth the terms and conditions that apply to the access and use of

the Website "https://india1payments.in" and its Mobile Application (hereinafter collectively be

referred to as "Website"), which is managed and operated by India1 Payments Limited, (hereinafter

collectively be referred to as "Company"/ "India1 Payments"), incorporated under the laws of India

and registered under the Companies Act, 1956.

This document/agreement (hereinafter referred to as “Agreement”) is an electronic record in terms

of Information Technology Act, 2000 and generated by a computer system and does not require any

physical or digital signatures.

These terms of use shall be construed in accordance with the provisions of Indian laws and regulations

including Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules,

2021 under the Information Technology Act, 2000. We further abide by not publishing any content

which is prohibited under laws such as pornographic, encouraging money laundering or online game

that causes user harm, insulting or harassing on the basis of gender, racially or ethnically objectionable,

harmful to child, infringing any patent, trademark, copyright or other proprietary rights etc.

By accessing this Website or registering your information on the Website, the users (hereinafter

referred to as "you" or "your") agree to be bound by this Terms of Use ("TOU"). This Agreement

along with Privacy Policy and Disclaimer describes our relationship with you will be subject to the

rules, guidelines, policies, terms, and conditions applicable to any specific Service that is provided by

this Website and they shall be deemed to be incorporated into this TOU and shall be considered as

part and parcel of this TOU.

Be sure to return to this page periodically to review the most current version of the TOU. We reserve

the right at any time, at our sole discretion, to change or otherwise modify the TOU without prior

notice, and your continued access or use of this Website signifies your acceptance of the updated or

modified by TOU.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOU ACCEPTING, ‘I

AGREE’, ‘I ACCEPT’, ‘PROCEED’ ‘GO NEXT’ WILL DEEMED YOUR ACCEPTANCE TO

THE TERMS CONTAINED HEREIN AND CONSTITUTES THE AGREEMENT BETWEEN

YOU AND THE COMPANY FOR THE PURPOSE AS DEFINED HEREUNDER.

1. DESCRIPTION AND ACCEPTANCE OF SERVICES

Company, hereby offers you with access to information primarily about knowing royalty points, your

transaction details including financial products/services, but not restricted, to loan facility, credit cards

facility, investment services such as insurance, savings account, fixed deposits and mutual funds

(collectively referred as "Service/s"). In addition, Company may provide third party services including

but not limited to credit check services, and any other services to retrieve and use your information

through third party sites (eg. bank sites etc.) in conjunction with your selection of the Services

("ancillary services"). The above said Services and ancillary services are provided on a commercially

reasonably effort basis and you agree that your participation for availing the above-mentioned services

is purely at your will and consent.

Your continued usage of the Services and ancillary services from time to time would also constitute

acceptance of the TOU including any updation or modification thereof and you would be bound by

this Agreement until this Agreement is terminated as per provisions defined herein.

Dated 15th September 2023 | India1 Payments Ltd.

You agree and authorize Company to share your information with third parties, in so far as required

for joint marketing purposes/offering various services/report generations and/or to similar services

to provide you with various value-added services, in association with the Services selected by you or

otherwise. You agree to receive communications through emails, telephone and/or SMS, from the

Company or its third-party vendors/business partners/ marketing affiliates regarding the

Services/ancillary services updates, information/promotional emails and/or product announcements.

In this context, you agree and consent to receive all communications at the mobile number provided

by you, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And

for that purpose, you further authorize Company to share/disclose the information to any third-party

service provider or any affiliate, its group companies, authorized agents.

Company will retain and use your information as necessary to comply with our legal obligations,

resolve disputes and enforce our agreements entered into for providing Services and ancillary services.

2. License and Website Access

You acknowledge and agree that Company owns all legal right, title and interest in and to the Services,

including any intellectual property rights which subsist in the Services (whether those rights are

registered or not). You further acknowledge that the Services may contain information which is

designated confidential by Company and that you shall not disclose such information without

Company`s prior written consent. The contents of the Website, including its "look and feel" (e.g. text,

graphics, images, logos and button icons), photographs, editorial content, notices, software and other

material are the owned/licensed by/to Company and/or its third Party Service Providers/their

licensors and are duly protected by them under applicable copyright, trademark and other laws.

Company grants you a limited license to access and make use of the Website, the Services and ancillary

services. This license does not include any downloading or copying of any kind of information for the

benefit of another individual, vendor or any other third party or to create a derivative work from,

modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell,

assign, sublicense, grant a security interest in or otherwise transfer any right in the Services. Any

unauthorized use by you shall terminate the permission or license granted to you at sole discretion of

the Company.

By using the Website you agree not to: (i) use this Website or its contents for any commercial purpose;

(ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;

(iii) access, monitor or copy any content or information of this Website using any robot, spider,

scraper, or other automated means or any manual process for any purpose without our express written

permission; (iv) violate the restrictions in any robot exclusion headers on this Website or bypass or

restrict or circumvent other measures employed to prevent or limit access to this Website; (v) take any

action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large

load on our infrastructure; (vi) deep-link to any portion of this Website (including, without limitation,

the purchase path for any service) for any purpose without our express written permission; or (vii)

"frame", "mirror" or otherwise incorporate any part of this Website into any other website without

our prior written authorization.

3. Privacy Policy

Dated 15th September 2023 | India1 Payments Ltd.

By using the Website, you hereby bestow your consent to the use of your information as we have

outlined in our Privacy Policy. This Privacy Policy explains how Company treats your personal

information when you access the Website and use other ancillary Services.

4. Your Registration/Account

In consideration of your use of the Website and registering with us, you represent that you are of

legal age to form a binding contract and are not a person barred from receiving services under the

laws of India or other applicable jurisdiction and will use the Website to make legitimate purchase

for you or for another person for whom you are legally authorized to act (and will inform such other

persons about the TOU and/or Privacy Policy) that apply to the purchase you have made on their

behalf (including all rules and restrictions applicable thereto).

You agree and understand that you are solely responsible for maintaining the confidentiality of your

password which, together with your Login ID (as may be applicable in accordance with the Service

selected), allows you to access the Service. That Login ID and password, together with any mobile

number or other contact information you provide, form your ("Registration Information"). You agree

that you are responsible for maintaining the confidentiality of your Login ID and password, and for

restricting access to your computer. You agree to accept responsibility for all activities that occur

through your account or password. Because of this, we strongly recommend that you exit/ logout

from your account at the end of each session. You agree to notify Company immediately of any

unauthorized use of your account or any other breach of security. You further agree that Company

shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or

access occurred solely due to reasons directly attributable to Company.

You shall provide true, accurate, current and complete information about yourself and undertake to

inform/update of any change in your Registration Information promptly and keep it up-to-date and

accurate at all times, as it has a direct bearing on the provision of Services and ancillary services by or

through Company. You agree not to misrepresent your identity nor will you make an attempt to make

an unlawful access to the Website or use of the Services. Additional terms and conditions will apply

to your purchase of services that you select. Please read these additional terms and conditions carefully.

5. Eligibility

You declare and confirm that you are a resident of India, above 18 (Eighteen) years of age, and have

the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services

offered by the Company.

6. Submitted Content

By sharing or submitting any content including any data and information on the Website, you agree

that you shall be solely responsible for all content you post on the Website and Company shall not be

responsible for any content you make available on or through the Website. At Company`s sole

discretion, such content may be included in the Service and ancillary services (in whole or in part or

in a modified form). With respect to such content you submit or make available on the Website, you

grant Company a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive

license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such

materials or any part of such content. You agree that you are fully responsible for the content you

submit. You are prohibited from posting or transmitting to or from this Website: (i) any unlawful,

Dated 15th September 2023 | India1 Payments Ltd.

threatening, libellous, defamatory, obscene, pornographic, or other material or content that would

violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or

content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or

services); and (iii) any material or content that infringes, misappropriates or violates any copyright,

trademark, patent right or other proprietary right of any third party. You shall be solely liable for any

damages resulting from any violation of the foregoing restrictions, or any other harm resulting from

your posting of content to this Website.

7. ELECTRONIC COMMUNICATION

When you use the Site or send emails to india1 Payments, you are communicating with india1

Payments electronically. You consent to receive communications from india1 Payments electronically.

India1 Payments may communicate with you by email or by posting notices on the Site or by phone

or usually available means of communication. You agree that all agreements, notices, disclosures and

other communications that we provide to you electronically satisfy any legal requirement that such

communications be in writing.

8. THIRD PARTY LINKS/OFFERS

This Website may provide links to other websites or resources. Since the Company has no control

over such third party websites and resources, you acknowledge and agree that Company is not

responsible for the availability of such external sites or resources, and does not endorse and is not

responsible or liable for any content, advertising, products or other materials on or available from

such sites or resources. You further acknowledge and agree that Company shall not be responsible or

liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection

with use of or reliance on any such content, goods or services available on or through any such site or

resource. Your interaction with any third party accessed through the Website is at your own risk, and

Company will have no liability with respect to the acts, omissions, errors, representations, warranties,

breaches or negligence of any such third parties or for any personal injuries, death, property damage,

or other damages or expenses resulting from your interactions with the third parties.

9. DISCLAIMER OF WARRANTY

You expressly understand and agree that your use of the Services, ancillary services and all information,

products, other services and other content (including that of the third parties) included in or accessible

from the Website is at your sole risk. The Services and ancillary services are provided on an "as is"

and "as available" basis. Company makes no representations, warranties or guarantees, express or

implied, regarding the accuracy, reliability or completeness of the content on the Website or of the

services (whether or not sponsored by third party service providers), and expressly disclaims any

warranties of non-infringement or fitness for a particular purpose.

The Company expressly disclaim all warranties of any kind as to the Services, ancillary services and all

information, products, services and other content (including that of the third parties) included in or

accessible from the services, whether express or implied, including but not limited to the implied

warranties of merchantability, fitness for a particular purpose and non-infringement.

Company and its service providers, affiliates, business partners make no warranty that (i) the services

will meet your requirements, (ii) the services will be uninterrupted, timely, secure, or error-free, (iii)

the results that may be obtained from the use of the services will be accurate or reliable, (iv) the quality

Dated 15th September 2023 | India1 Payments Ltd.

of any products, services, information, or other material purchased or obtained by you through the

services will meet your expectations, and (v) any errors in the technology will be corrected.

All Commercials /Rates / Prices / Offer Prices (collectively referred as “Prices”) for Products

available on our Website and are incorporated into this TOUs by reference. All Prices, whether

specified or not, are in Indian rupees. Prices, Products and Services are offered by the Company’s

business partners, and may change in accordance with the brand guidelines or other terms and

conditions applicable to each of the business partners of India1 Payments. You further undertake that

by initiating a transaction, you are entering into a legally binding and enforceable contract with these

business partners of the Company, to purchase the products or avail the services using such payment

facilities as may be permitted by applicable laws and as may be accepted by the Company.

The Company does not charge any registration/membership or browsing fee. However, the Company

reserves the absolute right to charge any fee for registration/ membership or browsing fee at any time.

All such fees that the Company may charge will be intimated to the users and such change shall

automatically become effective immediately after they are posted on the Website. All such fees charged

by the Company shall be in Indian Rupees. Your continued use of the Company shall be deemed as

an acceptance of the amended terms of the TOU.

The Company may enter into agreements with third party payment gateway aggregators and financial

institutions authorized by the Reserve Bank of India for collection, refund and remittance and to

facilitate payment between you, India1 Payments and its business partners, as the case may be.

While availing any of the payment method/s available on the Website, the Company will not be

responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or

indirectly to you due to:

1. Lack of authorization for any transaction/s, or

2. Any payment issues arising out of the transaction, or

3. Illegitimacy of the payment methods (credit/debit card frauds etc.) being used by a you;

4. Decline of transaction for any other reason(s)

Notwithstanding anything contained herein, the Website reserves the right to conduct additional

verification for security or other reasons if it is not satisfied with the creditability of you/your

transaction.

Use of the payment facilities provided by the Website shall not render the Website liable or responsible

for the non-delivery, non-receipt, non-payment, damage, breach of representations and warranties,

non-provision of after sales or warranty services or fraud as regards the products or services listed on

the Website. The Website shall not be responsible for any damages, interests or claims arising from

not processing a transaction.

You hereby agree to provide accurate information, such as credit/debit information for purchasing

any Service or product on or through the Website. You further warrant that you shall not use payment

information or an instrument that is not lawfully owned by you. In addition to this TOUs, the terms

and conditions of the bank or other financial institution shall also be applicable to every user. The

Website disclaims any liability arising out of declining of payment by such bank or financial institution.

India1 Payments may in its sole discretion impose limits on the number of transactions which an

individual holding a financial instrument may use for payment for products or services. Additionally,

Dated 15th September 2023 | India1 Payments Ltd.

the Website reserves the right to refuse to process transactions exceeding such limit and transactions

by you that have incurred questionable charges and amounts.

India1 Payments is merely a facilitator for providing you with payment channels through automated

online electronic payments (either itself or through its payment gateway service providers), collection

and remittance facility for the payment of products purchased by the User on the Website using the

existing authorized banking infrastructure and credit card payment gateway networks (of either the

Website or Service Providers). India1 Payments shall not be held responsible and shall bear no liability

in case of failure or delay in delivering the products or services including any damage or loss caused

to you due to such delay. No deliveries of the products/services shall be made outside the territorial

boundaries of India.

10. LIMITATION OF LIABILITY

You expressly understand and agree that the Company (including its affiliates, directors, officers,

employees, representatives and providers) shall not be liable for any direct, indirect, incidental, special,

consequential or exemplary damages, including but not limited to damages for loss of profits,

opportunity, goodwill, use, data or other intangible losses, even if Company has been advised of the

possibility of such damages, resulting from (i) any failure or delay (including without limitation the use

of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii)

the performance or non-performance by us or any provider, even if we have been advised of the

possibility of damages to such parties or any other party, or (b) any damages to or viruses that may

infect your computer equipment or other property as the result of your access to the Website or your

downloading of any content from the Website.

Notwithstanding the above, if the Company is found liable for any proven and actual loss or damage

which arises out of or in any way connected with any of the occurrences described above, then you

agree that the liability of Company shall be restricted to, in the aggregate, any Service/transactional

fees paid by you to the Company in connection with such transaction(s)/ Services on this Website, if

applicable.

The Company has no control over the third-party websites which would be provided to you through

its website. You acknowledge and agree that under no circumstance shall the Company be liable for

your using the services offered or provided by any third-party service provider.

11. INDEMNITY

You agree to indemnify and hold Company (and its affiliates, officers, directors, agents and employees)

harmless from any and against any claims, causes of action, demands, recoveries, losses, damages,

fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees,

or arising out of or related to your breach of this TOU, your violation of any law or the rights of a

third party, or your use of the Website.

You shall not sue or otherwise make or present any demand or claim, and irrevocably, unconditionally

and entirely release, waive and forever discharge the Company, its officers, directors, employees,

agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter "Release"), 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 you ever had, now have, or in the future may have against the Release with respect

Dated 15th September 2023 | India1 Payments Ltd.

to the Services. You agree to defend, indemnify, and hold harmless the Release from and against any

and all Losses resulting from claims made against the Company by third parties arising from and in

connection with this Authorization.

12. ADDITIONAL TERMS AND CONDITIONS

Company reserves the right to make changes to the Website, related policies and agreements, this

TOU and the Privacy Policy at any time as it deems fit and proper, including but not limited to comply

with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect

changes in the process flow, scope and nature of the Services and ancillary services, company re-

organization, market practice or customer requirements. Upon any change, Company will notify the

updated Terms on the Website or other means. Your continued use of the Services and ancillary

services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended.

If you do not agree to the changes, you may please discontinue your use of the Services and ancillary

Services.

Company reserves the right to discontinue or suspend, temporarily or permanently, the Services

including ancillary services, by giving reasonable time period notice, on a best effort basis, unless it is

merely to change certain features/contents of the Services and/or Website or maintain the security

and integrity of the Services. You agree that Company will not be liable to you in any manner

whatsoever for any modification or discontinuance of the Services.

You agree not to use the Services and ancillary services for illegal purposes or for the transmission of

material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's

privacy, abusive, threatening, or obscene, or that infringes the rights of other.

Company may, from time to time, announce certain offers with intent to promote its Website and/or

Services/ ancillary services ("Promotional Offer/s"). The Promotional Offer(s) would always be

governed by this TOU plus certain additional terms and conditions, if any prescribed. The said

additional terms and conditions, if prescribed, would be specific to the corresponding Promotional

Offer only and shall prevail over these TOU, to the extent they may be in conflict with these Terms.

Company reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional

Offer(s) and the terms governing it, at its sole discretion.

13. GENERAL

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree

that the court should endeavor to give effect to the parties intentions as reflected in the provision, and

the unenforceable condition shall be deemed severable and shall not affect the validity and

enforceability of any remaining condition. Headings are for reference purposes only and do not limit

the scope or extent of such section. This TOU and the relationship between you and Company will

be governed by the laws of the India without regard to its conflict of law provisions. Any dispute,

controversy or claim arising out of or in relation to this Agreement, including a breach or termination

thereof, shall be settled by a sole arbitrator to be appointed by Company, in accordance with the

provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event we are

unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators

appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the

two arbitrators. The venue for arbitration shall be Bengaluru. The arbitral procedure shall be

conducted in the English language and any award or awards shall be rendered in English. The Website

Dated 15th September 2023 | India1 Payments Ltd.

specifically prohibits you from usage of any of its Services in countries or jurisdictions that do not

corroborate to all stipulations of these Terms. The Website is specifically for users in the territory of

India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of

India, with the courts in Bengaluru having exclusive jurisdiction. The failure of Company to act with

respect to a breach by you or others does not waive its right to act with respect to subsequent or

similar breaches. This TOU constitutes the entire agreement between you and Company and governs

your use of the Website, superseding any prior agreements between you and Company with respect

to the Website.

14. GRIEVANCE REDRESSAL PROCESS

You may contact us in case of any discrepancies/grievances with respect to your Personal Data, by

writing to our Grievance Officer at legalteam@india1.co.in.

Address:

India1 Payments Ltd.

8th Floor, Tower B, Diamond District,

Units No. 801 to 810, 150, HAL Old Airport Rd,

Bengaluru, Karnataka 560008 Email: digital@india1.co.in

If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached

using the contact information on our Contact Us page.

Last Updated on –

th September 2023