You (“User”) acknowledge and agree to be legally bound by the terms and conditions as stated herein below. The User is expected that he/ she/ it understands, agrees and undertakes that he/ she/ it is free to not accept the Terms and Conditions herein and in such an event, the said User is advised to not use, submit or access this Website/Web-form/App in any manner. By filling up the data in input fields & clicking “I Agree”, you constitute an irrevocable acceptance to this Terms and Conditions in addition to our Privacy Policy, Disclaimer Policy and Cookie Policy. Persons who have not attained the age of eighteen (18) years shall be prohibited from accessing, using, or transacting on this Website in any manner whatsoever.

1. Consent for Credit Report Retrieval

By providing your personal and financial information on the CPL Platform, you expressly authorize E-Revbay Private Limited ("ERB") to retrieve your credit report from authorized credit bureaus or third-party service providers. The credit report will be used to assess your financial liabilities, generate the CPL Report with tailored insights, and support service recommendations for better financial management.

2. Data Retention for Unconverted Users

ERB may retain your retrieved CPL credit report and the information you have submitted for legitimate business purposes, including data analytics, product enhancement, service personalization, internal audits, and compliance with applicable data protection regulations. All such information will be securely stored and managed in accordance with ERB’s Privacy Policy. For these purposes, ERB may retain your data for a period of up to six (6) months. During this time, soft credit bureau pulls may be conducted, where necessary, to update or validate information in line with our service requirements.

3. Communication Policy

By providing contact information on the Website, the User explicitly authorizes the Company, including its representatives, affiliates, and authorized service providers, to contact the User via phone calls, SMS, WhatsApp messages, and emails, for the purpose of facilitating the financial product(s) requested or recommended. These communications may be sent even if the User’s contact number is registered under any national Do Not Disturb (DND), Do Not Call (DNC), or National Customer Preference (NCPR) lists. By submitting their information, the User consents to receive such messages and acknowledges that they are aware of their right to opt out. By accessing and using the CPL Platform, you agree to receive transactional and promotional communications via WhatsApp from ERB. These communications may include updates about your credit report, payment reminders, CPL Report delivery confirmations, and service support. Users are responsible for providing accurate phone numbers and must not use WhatsApp channels for unlawful purposes including spamming, impersonation, or abuse. ERB shall not be liable for any delays, misdeliveries, or damage caused by third-party misuse or limitations of the WhatsApp platform or its API integrations.

4. Opt-Out, Grievance Redressal & Data Deletion

The User may, at any time, opt out of receiving promotional WhatsApp messages by replying with “STOP” to any message received from the Company or by sending a written request to support@finqy.ai. with the subject line “Consent Revocation” to support@finqy.ai For any concerns related to communication, data processing, or misuse, the User may submit a grievance to the same email address. The Company will make reasonable efforts to acknowledge and respond to such grievances in accordance with applicable laws and internal policies. The User also has the right to request the deletion of their personal data collected and stored by the Company. To initiate a deletion request, the User must send an email with the subject line “Data Deletion Request” to support@finqy.ai. Upon verification of the request, the Company shall process the deletion of such data within seven (7) business days, subject to any legal or regulatory retention obligations under the laws of India.

5. Permission/License and Platform Access

The user hereby acknowledges and agree that the Company possesses all legal right, title and interest in and to the services, including any intellectual property rights which subsist in the services (registered or not). User further acknowledges that the said services by the company may contain some information that are of confidential nature and the User shall not disclose such information without the prior consent from the Company. Further all copyrightable material (including source and object code) and all other materials, including without limitations the design, structure, and arrangement of such content contained on this Platform (hereinafter, the “Content”) its “look, layout and fee” (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material trade names, trademarks, service marks, logos, domain names, other distinctive brand elements, whether registered or not, are owned, controlled or licensed by or to ERB, including but not limited to copyright, trademark, trade dress, domain name, patent, trade secret, international treaties and other proprietary rights and unfair competition law are protected by intellectual property laws (the “Intellectual Property laws”). Company through this Agreement grants limited license to access and make use of this platform and Company’s services. The said license is not inclusive of any downloading or copying of any information for the benefit of another individual, partner/ vendor or any other third party or to create any work in attempt to discover any source code, assign, sell, sublicense, grant security license interest in or otherwise transfer any right in the services. Unauthorized usage in any manner by the User shall lead to termination of the permission of license granted to the User. The Company reserves the right to take appropriate action under Law against any such unauthorized usage. By making use of this platform the User hereby agrees not to do the followings: -

• Using this platform for any commercial purpose
• Undertaking any false, fraudulent or any transaction in anticipation of the demand
• Getting access, copying contents/ information or monitoring the same using any robot, process, system, spider or any other automated means or manual process for any intention
• without our permission
• Breaching of the limitation/conditions/restrictions of this platform or by restricting or circumventing other measures in order to limit the access to this platform
• "frame", "mirror" or otherwise incorporate any part of this Platform into any other platform without our prior written authorization.

The User shall not use this Platform, Content or Online Mediums or any Intellectual Property for any purpose or in any manner that infringes the rights of any third parties. Any Copyright infringement of any content on this Platform that the User believes infringes the copyright or any other Complaints should be reported to the Grievance officer of the Company.

6. Authorization and Indemnity

The User hereby authorizes the Company’s authorized representatives, including but not limited to its employees, agents, partners, associates, or subsidiaries, to act on the User’s behalf for the purpose of processing financial product applications based on the information and documents submitted by the User.

The User agrees that they are solely responsible for the accuracy and completeness of the information and documentation provided through the Website or to any representative of the Company. The User shall indemnify and hold harmless the Company, its affiliates, and their respective officers, directors, employees, agents, or representatives from any third-party claims, liabilities, or proceedings arising from any misrepresentation, incorrect information, or omission on the part of the User.

7. Limitation of Liability

The CPL Report is an informational and analytical tool, generated based on the data provided by the User and retrieved from third-party credit bureaus. ERB makes no warranties regarding the completeness or accuracy of the CPL Report and disclaims all liability for any decisions made by the User based on the CPL Report. ERB disclaims liability for any damages, delays, or losses arising from technical issues, outages, or unauthorized access related to third-party platforms, including but not limited to WhatsApp.

8. Updates to Terms & Conditions

The Company reserves the right to amend, update, or modify these Terms & Conditions at any time, at its sole discretion and in accordance with applicable laws. Any such revised Terms shall be made available on the Website and shall become effective immediately upon publication. By ticking the consent checkbox, the User confirms that they have read, understood, and agreed to the most recent version of the Terms & Conditions, including any future modifications. Continued use of the Website shall be deemed acceptance of the updated Terms. The Company is not obliged to provide individual notice of such changes to Users. Users are encouraged to review the Terms & Conditions periodically to remain informed of any updates.

9. Applicable Law and Dispute Resolution

These Terms and Conditions are governed by the laws of India. Any disputes arising in relation to this service shall be subject to the exclusive jurisdiction of the courts at Mumbai. The Company processes personal information in compliance with the applicable data protection and privacy laws of India, including the Digital Personal Data Protection Act, 2023 and other relevant regulations. Where the Company interacts with Users through third-party platforms such as WhatsApp or other Meta products, it complies with Meta’s Business and Messaging Policies, including requirements relating to user consent, data transparency, and opt-out mechanisms. 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 mutually by Company and User, 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 Mumbai. The arbitral procedure shall be conducted in the English language, and any award or awards shall be rendered in English. This Platform specifically prohibits User from usage of any of its Services in countries or jurisdictions that do not corroborate to all stipulations of these Terms. The failure of Company to act with respect to a breach by User or others does not waive its right to act with respect to subsequent or similar breaches. This Policy constitutes the entire agreement between User and Company and governs use of this Platform, superseding any prior agreements between User and Company with respect to this Platform.