This Agreement outlines forth the terms and conditions that apply to the access and use of the Website "www.loanoholic.com" and its Mobile Application (collectively referred to as "Website" or "Webpage"), which is managed and operated by Holic Fintech LLP (after this collectively be referred to as "Company"/"Loanoholic"), incorporated under the laws of India and registered under The Limited Liability Partnership Act, 2008.

This Agreement (referred to as the "Agreement") is a digital record created by a computer system following the Information Technology Act of 2000. It does not require a physical or digital signature. This document is created following Rule 3 of the 2011 Information Technology (Intermediaries Guidelines), which mandates the use of due diligence when accessing or using this Website.

Users (after this, referred to as "you" or "your") agree to be governed by the Rules of Usage ("ROU") by visiting this Website or registering your information on the Website. This Agreement sets forth our relationship with you. It is subject to the terms and conditions, regulations, policies, and disclaimers that apply to each service made available by this Website and the Privacy Policy and Disclaimer. They will be regarded as part of this ROU and included in it.

Make sure to check back frequently to this page to study the most recent ROU. The ROU is subject to revision or other modification at any moment, at our sole discretion, without prior notice. You have agreed to the revised or modified ROU if you access or use this Website in the future.

By registering yourself at Loanoholic, you are authorizing us & our partnering Banks/NBFCs and advertisers to give you a call/SMS/e-mail to offer you their services for the product you have opted for, imparting product knowledge, offering promotional offers running on the Website and offers offered by the associated third parties.

Refund and cancelation policy

Loanoholic offers you loans/credit card services with our associate banks/NBFCs free of cost. Our team will help you in your entire credit facility availment process from start to end without any cost. If any of our team members will demand any favor OR charges from you against our service, then you can contact us.

Applicable Charges:

If we have started any work on your loans/credit card application, and if you have taken your loans/credit cards from someone else or directly, then, in this case, you have to pay us a minimum of Rs.5,000/- plus GST charges to us as our charges. This amount may be increased/decreased from case to case. If you have yet to avail of loans/credit cards after applying with us or we cannot provide you service, you do not need to pay any amount to us. After applying for loans/credit cards through us, if we have started any work on your application, and if you have to recall your application by lying that you don't want to avail at present not to pay our charge, but if you have availed loans/credit cards through someone else, then this is a legal matter, and you are bound to pay us a minimum charge of Rs.5,000/- plus GST to us where the amount may be increased/decreased.

If you demand loan/Credit card services from us other than our associate's bank/NBFCs, in such case, we will provide you such service with charges. In such a scenario, Charges may be informed by us before starting your services and vary based on the market situation.

Loanoholic also offers services like ITR filing, Preparation of Balance sheet, Profit & Loss account, CMA data preparation, UDYAM registration, and Vidyalaxmi portal application registration with the charge mentioned with a product which you have to pay us at the time of application of these services.

OTP verification is required to provide you with loans/credit card services with some of our associate banks/NBFCs. At that time, our team will contact you for OTP, which you have received on your mobile number OR e-mail ID, which you have to provide our team within a specific time to complete our service. As we have started any work on your application, you must pay us a minimum charge of Rs.5,000/- plus GST in case of loan/credit card application where the amount may be increased/decreased.

Refund guidelines in case of cancelation of service:

If we cannot serve you in unavoidable circumstances, we will fully refund you the money we have received from you. Still, if you want to refund your money, that is impossible from our end after serving your requirement.

In your demand for loan/Credit card services from us other than our associate's bank/NBFCs, if you want to cancel your request and if we have already started working on your request, in this scenario also, we will be unable to refund your money.

After applying for our services like ITR filing, Preparation of Balance sheet, Profit & Loss account, CMA data preparation, UDYAM registration, and Vidyalaxmi portal application registration, if you want to cancel your request and if we have already started working on your request, in this scenario also, we will be unable to refund your money.

In some of our services like ITR filing, Preparation of Balance sheet, Profit & Loss account, CMA data preparation, UDYAM registration, and Vidyalaxmi portal application registration OR applying for your loan/credit card in some Banks/NBFCs, OTP verification is required. At that time, our team will contact you for OTP, which you have received on your mobile number OR e-mail ID, which you have to provide our team within a specific time to complete our service. If you want to avoid sharing OTP in such a case, we may be unable to complete the service. In such cases, failure of service is because of you. Therefore, we cannot refund your money received for ITR filing, Preparation of Balance sheet, Profit & Loss account, CMA data preparation, UDYAM registration, and Vidyalaxmi portal application registration.

Note:

• Loanoholic provides you loans/credit card services only with associates banks/NBFCs free of cost. Suppose, for example, we have tied up with bank X for a home loan; then, we will only provide you with the home loan service of that bank for free. Still, if you want to avail personal loan service of Bank X tough us, then you have to pay us an amount that will be decided based on the market situation.

• Apart from our service, you want our team to help you with services like mortgage creation, legal documentation or approval, or any other service. You also have to pay us the amount which will be decided based on the market situation.

• In the case of loans/credit card applications, you must pay banks/NBFCs processing charges, government mortgage creation charges, etc. You are bound to repay the loans EMI, interest, etc., and credit card due amount without fail. We are not liable to pay banks/NBFCs processing charges, government mortgage creation charges, etc., on your behalf and are not liable to pay your loans EMI, interest, etc, and your credit card due amount on your behalf.

• In the case of ITR filing work, you must pay (or provide us, we will pay on your behalf) the tax amount applicable based on income separately (other than our fees).

General

The parties agree that the court should make an effort to effect the parties intentions as expressed in the provision if any of these conditions are invalid, void, or otherwise unenforceable. The unenforceability of one condition will be judged severable, and it won't impact the other conditions' enforcement or validity. The scope and extent of a section are not limited by the headings, which are merely there for reference. Without respect to its rules on conflicts of law, the laws of India shall govern this ROU and your relationship with the Company. The Company and You will agree on a single arbitrator, who will be appointed following the provisions of the Arbitration and Conciliation Act, 1996, or any subsequent amendments to it, to resolve any dispute, controversy, or claim arising out of or relating to this Agreement, including a breach or termination thereof. If we cannot agree on a single arbitrator, we consent to the appointment of a panel of three arbitrators, two of whom will be chosen by the two arbitrators and one of whom will be chosen by each of us. The arbitration will take place in Nadiad, Dist. Kheda. The arbitration process must be performed in English, and any awards must be written in English. The Website prohibits you from using any of its Services in nations or jurisdictions that do not agree to all of these terms. The Website is intended just for visitors from India. The laws of India shall apply to any issue, whether it be judicial or quasi-judicial, and the District Court of Kheda would have sole authority. The Company's omission to take action in response to a breach by you or others does not constitute a waiver of its right to take action in response to subsequent or similar breaches. Any past agreements between you and Company about the Website are superseded by this ROU, which governs your use of the Website in its entirety.