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.

1. Description of services with acceptance

The Company, with this, offers you access to information primarily about certain financial products/services, including Housing loans, car loans, Loan against property, Education Loan, Gold Loan, Business/MSME Loan, Personal loans, ITR filing, UDYAM registration, etc., but not restricted to this (collectively referred as "Service/s"). Furthermore, the Company may provide third-party services in conjunction with your selection of Services, such as credit check services and any other services to access and utilize your information through third-party sites (such as bank sites, etc.). ("additional services"). You accept that your use of the services above solely depends on your will and consent. The services above and auxiliary services are offered with a commercially reasonable effort.

Your continued use of the Services and auxiliary services from time to time would also indicate acceptance of the ROU, including any updates or modifications to it. This Agreement would bind you until this Agreement is terminated as per provisions defined herein.

You agree that the Company may share your information with its affiliated companies and other third parties for joint marketing initiatives, the provision of different services, the generation of reports, and/or the provision of comparable services to you to offer you various value-added services in connection with the Services you have chosen or otherwise. You consent to hear from the Company or its third-party vendors, business partners, or marketing affiliates through email, phone, and/or SMS regarding updates to the Services and auxiliary services, information/promotional emails, and/or product announcements. In this case, even if your mobile number is listed on the TRAI's DND/NCPR list, you agree and provide your Agreement to receive all communications at that number. You further permit Company to share or disclose the information with any affiliate, group company, third-party service provider, or authorized agent.

The Company is a team of enthusiasts dedicated to help customers with all relevant details about credit facilities, from application to disbursal. The Company stands with customers during the complete process of availing of their credit facilities. The Company is working on a mission to build a bridge between customers and financial organizations (Banks/NBFCs/etc.) and create an environment with ease, convenience, and transparency for getting any credit facilities. The Company does not guarantee finance/loan, as we are an intermediary between you and financial organizations (Banks/NBFCs/etc.), so the final decision is in the hand of the financial organizations (Banks/NBFCs/etc.). We are helping you to find out best financial organizations (Banks/NBFCs/etc.) for your requirement so that you can get your required products/service

The Company will keep and utilize your information as needed to meet our legal requirements, resolve disputes, and enforce our agreements for delivering Services and auxiliary services.

2. License and website access

You agree and accept that the Company is the exclusive owner of all legal rights, including any intellectual property rights, in and to the Services and that this ownership extends to any related parties (whether those rights are registered or not). You further acknowledge that the Company may include confidential information in the Services and that You are not entitled to share that information without the Company's written permission. The Company and/or its third-party Service Providers/their licensors are the rightful owners and/or licensees of the Website's contents, including its "look and feel" (such as text, images, graphics, button icons, and logos), photographs, editorial content, notices, software, and other material. They are each fully entitled to the protection of the law under applicable copyright, trademark, and other laws.

The Company grants you a limited license to access and use the Website, the Services, and ancillary services. This license forbids you from altering the Services in any way, including by selling, assigning, sublicensing, granting a security interest in, or otherwise transfer any right to the Services. It also prohibits downloading or copying any information for the benefit of another person, business, vendor, or third party. Your permission or license will be terminated if you make any unlawful usage.

By using the Website, you promise to refrain from:

• You may not use this Website or its contents for commercial purposes.

• Any speculative, deceptive, or fraudulent transaction, in addition to any transaction in anticipation of demand.

• You may not access, monitor, or copy any material or information without our explicit permission on this Website/Webpage using any robot, scraper, spider, or other automated techniques or any manual method.

• Violate limitations in any robot exclusion header on this Webpage/Website, or bypass, restrict, or circumvent any measures used to prohibit or limit access to this Webpage/Website.

• Take any activity that causes or may impose, at our discretion, an unreasonable or disproportionately large load on our infrastructure.

• Without our express written authorization, you may not deep-link to any section of our Webpage/Website (including, without limitation, the purchase route for any service).

• Without our prior written permission, you may not "frame," "mirror," or otherwise integrate any element of our Webpage/Website onto a website.

3. Registration

By using the Website and signing up (applying) with us, you warrant that you are of legal age to form a binding contract, are not a person barred from receiving services under the laws of India or other applicable jurisdictions, and will only use the Website to make lawful purchases for yourself or another person on whose behalf you are legally permitted to act (and that person will be made aware of the ROU and/or Privacy Policy that apply to the purchase) (including all rules and restrictions applicable to it).

The Company uses OTP (One time Password) to verify your mobile number and E-mail ID, as it is the only source for us to contact you. You agree and understand that you are solely responsible for maintaining the confidentiality of your one-time password (as may be applicable by the service selected), which allows you to access the service. With OTP (One-time Password) verification, the Company believes you agree to all terms and conditions and the privacy policy mentioned herewith. You additionally acknowledge that Company is not responsible for any unauthorized use or access unless it can be demonstrated that those uses or accesses were made purely for Company-related reasons.

You must give accurate, current, and comprehensive information about yourself. You also agree to promptly notify the Company of any changes to your registration information and to keep it real at all times because these factors directly affect how the Company provides its services and ancillary services. You now promise not to use a false identity or attempt to gain unauthorized access to or use the Website or Services.

4. You agree and acknowledge that to conduct any financial transaction through the Website

Our Company may conduct client/customer due diligence measures and seek mandatory information required for KYC purposes, which, as a customer, you are required to provide while facilitating your request for loan/credit card and other financial product requirements with banks/financial institutions, by the applicable Prevention of Money Laundering Act ("PMLA") and rules. To the satisfaction of the banks/financial institutions or to establish the identity of each new customer/user and to determine the purpose of the intended nature of the relationship between you and the bank/financial institution, the Company may receive appropriate information. You agree and accept that by the demands and obligations under the relevant PMLA Act and rules, Our Company may conduct additional due diligence steps (including any paperwork) to satisfy itself relative to customer due diligence requirements.

The Company has the right to ask you for your KYCs, Photograph, and Bank account detail which you have to provide.

5. Age criteria

You declare and confirm that you are a resident of India, above 18 (Eighteen) years of age, and can contract as specified under the Indian Contract Act, 1872 while availing of the Services offered by the Company.

In the case of an education loan, if the natural guardian accepts all terms and conditions with privacy policy, then the student is also liable to compile the same.

6. Submitted content

You acknowledge that you are solely responsible for all material you place on the Website by sharing or uploading it, including any data and information. Any content you make available on or via the Website is not the responsibility of the Company. Such content may be made available through the service and associated services at the sole discretion of the Company (in whole, part, or modified form). 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 from, and sublicence such materials or any portion of such content concerning any content you submit or make available on the Website. You acknowledge that the stuff you upload is solely your responsibility. It is against the law to upload or send something from or to this Website:

• Any illegal, threatening, defamatory, libellous, pornographic, obscene, or content or material would violate publicity and/or privacy rights or any law.

• Any commercial content or material (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services).

• Any content or material that misappropriates infringes or violates a third party's copyright, trademark, patent right, or another proprietary right.

If you violate the rules above or cause any other harm by posting/uploading anything to this Website, you are fully responsible for any ensuing losses.

7. This Webpage may include connections to other websites or information.

As the Company does not have control over such third-party websites and resources, you also acknowledge and accept that the Company is not responsible for the availability of such external sites or resources and that the Company disclaims all liability and responsibility for any content, advertising, goods, or other items on or accessible through such sites or resources. Additionally, you understand and agree that Company shall not be responsible or liable, directly or indirectly, for any harm or loss caused by or alleged to be caused by, or in connection with, the use of or reliance on any such content, goods, or services made available on or through any such site or resource. You communicate with any third parties you meet through the Website at your own risk. The Company will not be liable for the acts, omissions, mistakes, assurances, breaches, carelessness, or other wrongdoing of any such third parties or any person's physical harm, death, property loss, or additional costs or damages brought on by your dealings with the third parties.

8. Disclaimer of warranty

Your use of the Services, ancillary services, and any other information, goods, and services (including those provided by third parties) included on or accessible via the Website is at your own risk, which you fully acknowledge and accept. The auxiliary services and the Services are offered "as is" and "as available." The Company disclaims any warranties of non-infringement or fitness for a particular purpose. It makes no representations, warranties, or guarantees, either 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).

The Company expressly disclaims all express and implied warranties, including but not restricted to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement, concerning the Services, ancillary services, and all information, products, services, and other content (including third-party content) contained in or accessible through the Services.

The Company and its service providers, affiliates, and business partners make no warranty that:

• The services will fulfill your requirements.

• The services shall be available without interruption, on schedule, securely, and without errors.

• The outcomes of utilizing the services will be accurate or dependable.

• You will be satisfied with the quality of any items, services, information, or other material acquired or obtained through the services.

• Any technological issues will be addressed.

Prices for Products are available on our website and are incorporated into this TOS (Terms of Service) by reference. All prices, whether specified or not, are in Indian rupees. The Company's business partners offer prices, Products, and Services. They may change per the brand guidelines or other terms and conditions applicable to each of the business partners of Loanoholic. The Company occasionally offers its Services at its rates and maintains the right to change how much these Services will cost and how they are used. You further agree that by starting a transaction, you are creating a legally binding and enforceable contract with these Company business partners to purchase the products or use the services using any payment methods that the Company may accept and that are authorized by relevant law.

The Company does not charge a registration, membership, or browsing cost when requesting credit facilities. The Company does, however, maintain the exclusive right to impose any registration, membership, or browsing fees whenever it sees fit. Users will be informed of any costs the Company may impose, and any modifications made will take effect as soon as they are posted on the Website. The Company shall only charge such fees in Indian Rupees. You will be regarded to have accepted the modified ROU conditions if you continue to use the Company services.

The Company charges services like ITR filing, Balance sheet, Profit/Loss account preparation, CMA data preparation, UDYAM registration, Vidyalaxmi registration, etc. You must provide service fees to the Company at the time of registration. Also, you have to pay the income tax amount if tax is applicable on your income as per income tax guidelines at the time of filing of your Income tax return filing by own other than the Company charges,

To enable payments between you, Loanoholic, and its business partners, as the case may be, the Company may engage in agreements with third-party payment gateway aggregators and financial institutions approved by the Reserve Bank of India (RBI) for collection, reimbursement, and remittance. The Company shall begin the remittance of the payments made by you, and the date of completion of the transaction shall be after the products are delivered to you or after the services are provided to you, as applicable, and such other additional time as may be agreed upon between Website and its business partners.

Use one or more of the payment options listed on the Website. The Company will not be liable for any loss or damage you may sustain due to any of the following, whether it arises directly or indirectly to you:

• Lack of authorization for any transaction/s, or

• Any payment difficulties arising from the transaction, or

• The illegality of the payment methods (credit/debit card frauds, etc.) used by you;

• Any other explanation for a reduction in transactions (s)

Despite any other provisions in this document, the Website has the right to carry out extra verification if it is unsatisfied with your or your transaction's creditability for security or other reasons.

The Website is not liable or responsible for non-receipt, non-payment, non-delivery, damage, breach of representations, warranties, non-provision of after-sales or warranty services, or fraud concerning the goods or services listed on the Website if payment is made using the Website's payment options. Any losses, interests, or claims resulting from the failure to complete a transaction are not the responsibility of the Website.

To purchase any Service or Good on or via the Website, you now agree to submit accurate information, such as credit/debit details. Additionally, you guarantee that you won't use any payment information or tools that you don't legitimately possess. In addition to these ROUs, the terms and conditions of the bank or other financial institution shall also apply to every user. The Website disclaims any liability arising from declining payment by such a bank or financial institution.

An individual owning a financial instrument may only make a certain number of transactions to pay for products or services at Loanoholic's sole discretion. Additionally, the Website retains the right to refuse to perform transactions by you that include suspicious charges or quantities and transactions that exceed this limit.

Loanoholic is merely a facilitator for offering you payment channels through automated online electronic payments (either directly or through its payment gateway service providers), cash on delivery, collection, and remittance facilities for the payment of products/services purchased by the user on the Website using the established authorized banking infrastructure and credit card payment gateway networks (of either the Website or Service Providers).

If the products or services are delivered improperly or late, Loanoholic disclaims all responsibility and liability for any resulting harm or loss to the customer. No delivery of the products or services shall be made outside India's geographical limits.

9. Limitation of liability

You with this expressly understand and agree that, even if the Company has been informed of the possibility of such damages, The Company (along with its subsidiaries, affiliates, directors/partners, officers, employees, agents, and providers) are exempt from responsibility for any incidental, special, consequential, or exemplary damages, including but not limited to lost profits., business opportunities, goodwill, use, data, or other intangible losses, brought on by:

• Any failure/delay (including, without limitation, the use of or inability to use any component of the Webpage).

• Any use of the Website or content.

• The performance/non-performance by us or any provider, even if we have been made aware of the potential for harm to such parties or any other party, or any harm or virus infections that may come about to your computer system or other property as a result of your access to the Webpage or your downloading of any content from the Website.

Despite the preceding, you agree that the Company's liability shall be limited, in the aggregate, to any Service/transactional payments made by you to the Company in connection with such transaction(s)/Services on this Website, if applicable. This applies even if the Company is found liable for any proven and actual damage or loss resulting out of or in any way connected with any of the occurrences described above.

The third-party websites you may access through the Company's Website are outside its control. You understand and agree that the Company will never be held responsible for your use of any third-party service provider's services.

10. Indemnity

You consent to hold Company (and its affiliates, officers, directors/partners, agents, and employees) harmless from and against all claims, causes of action, recoveries, demands, damages, losses, penalties, fines, or any other costs or expenses of any other costs or expenses of any sort or nature, including reasonable legal bills, resulting from or connected to your breach of this ROU, your breach of any law or the rights of a third party, or your usage of the Webpage.

You agree not to sue (in the present and the future) the Company, its officers, directors/partners, employees, agents, licensees, affiliates, successors, and assigns (collectively, the "Company," after this "Release"), and to release, waive, and forever discharge them from any liabilities, demands, claims, losses, suits, costs, and expenses (including court costs and reasonable attorney fees ("Losses"), whatsoever. You promise to hold the Release blameless from and against any Losses resulting from claims brought by third parties against the Company arising out of or related to this permission.

11. Guideline for credit score

By accepting "Terms and Conditions," you authorize Loanoholic and banks/NBFCs/Credit card providers with which Loanoholic is associated to run a Consumer Cibil, Commercial Cibil, Experian, Equifax, Crif High Mark, CRILC, etc., for your profile.

You must provide a loan account statement and a loan closure letter. If any overdue in existing credit facilities, no overdue letter, and if any past overdue in credit facilities, the justification for the same to Loanoholic and banks/NBFCs/Credit card providers with which Loanoholic is associated.

12. Terms of use

You with this grant Loanoholic permission to obtain and receive your financial data regularly from different Financial Information Providers (FIPs) via Account Aggregators and to use the above-mentioned financial information for the following uses:

• To generate/refine offers for your Loan or credit card application(s) on the Loanoholic website/app;

• To make customized suggestions, recommendations, and offers of the products and services of Loanoholic and/or its business partners/affiliates;

• To provide information/personalized offers through email, text, call or online display, or other means of delivery at Loanoholic's reasonable sole discretion;

• To provide personal finance management solutions detailing individual bank account balances, transaction analysis, and other features built on top of it;

• Any other Lending related services.

You further confirm that your financial information may be transferred, shared, or otherwise disclosed by Loanoholic to any third party in an aggregated and anonymized manner to obtain enhanced data parameters and/or to assist you in availing various loans options or credit facilities available with Loanoholic.

You also agree that you have examined the specifics of the data transfer request and understand that your permission is legally obligatory. You expressly release Loanoholic from any liability for the accuracy of financial information/data and agree to indemnify and hold harmless Loanoholic and any of its subsidiaries, successors, representatives, assigns, and/or associates/partners from any claims, damages, demands, actions, or suits of any sort or nature, including any discrepancy in the financial data/information.

You also authorize the Account Aggregators to share your financial information with Loanoholic for the abovementioned purposes. You further confirm that you have read and understood the consent provided hereinabove and agree to the same voluntarily and out of your free will.

13. Additional terms and condition

The Company reserves the right to make changes to the Website, related policies, and agreements, this ROU, and the Privacy Policy as it sees fit, including but not restricted to abide by modifications to the law or regulation, correct inaccuracies, omissions, mistakes, or ambiguities, respond to changes in the work process, nature and scope of the Services and ancillary services, company re-organization, market practice, or customer demand. Upon any change, the Company shall post the amended Terms on the Website or through other methods. Your continuing use of the Services and auxiliary services represents acceptance of the modifications and Agreement governed by the Terms, as modified. If you disagree with the modifications, please stop using the Services and auxiliary Services.

The Company retains the right to terminate or suspend the Services, including auxiliary services, with reasonable notice and on a best-effort basis, unless it is simply to alter specific features/contents of the Services and/or Website or to protect the security and integrity of the Services. You acknowledge that the Company will have no liability to you for any change or discontinuation of the Services.

You undertake not to use the Services or auxiliary services for illegal intent or to transmit unlawful content, harassing, defamatory (untrue and harmful to others), invading another's privacy, abusive, threatening, obscene, or infringes on the rights of others.

The Company may occasionally announce special deals to promote its website, services, and/or auxiliary services ("Promotional Offer/s"). Any additional terms and conditions that may be specified in addition to this ROU would always apply to the Promotional Offer(s). If required, the aforementioned extra terms and conditions would only apply to the associated promotional offer and, to the extent, they contradict these Terms, would take precedence over this ROU. The Promotional Offer(s) and the terms governing them are subject to withdrawal, discontinuation, modification, extension, and suspension at the Company's sole discretion.

14. Rewards program for selected customer

Loanoholic rewards selected customers with gifts to show a small token of respect and love. This promotional program applies to services like New Loan against Property, Loan against Property Balance Transfer, Purchase of Commercial Property, New Home Loan, Home Loan Balance Transfer, Home Loan Balance Transfer with Top Up, Education Loan, Education Loan with Vidyalaxmi Portal, Car Loan, and Credit Card offered by Loanoholic. This promotional program may not apply to services like Personal Loan, Gold Loan, Business Loan, Vidyalaxmi Portal Registrations, UDYAM Registration, and ITR Filing offered by Loanoholic (May be applied based on the Company's decision). Selection for a gift in a lucky draw manner by our system algorithm.

You can be rewarded as –

As a customer, Suppose you have applied for Rs.XX loan amount without any reference through which, for example, if we will receive commission/income around Rs.10000 from associate banks/NBFCs, then you with get a maximum of 10% means Rs.1000/- as gift rewards (if you are selected) in the form of the amount directly paid into your bank account by deducting TDS, an equal amount of gift voucher or other gifts (Final decision stands with Loanoholic).

As a customer, Suppose you have applied for Rs.XX loan amount with reference code through which, for example, if we will receive commission/income around Rs.10000 from associate banks/NBFCs, then you with get a maximum of 5% means Rs.500/- as gift rewards (if you are selected) in the form of the amount directly paid into your bank account by deducting TDS, an equal amount of gift vouchers, or other gifts (Final decision stands with Loanoholic).

As a customer, suppose you have applied for a credit card without any reference through which, for example, if we will receive commission/income around Rs.1000 from associate banks/NBFCs, then you with get a maximum of 25% means Rs.250/- as gift rewards (if you are selected) in the form of the amount directly paid into your bank account by deducting TDS, an equal amount of gift vouchers, or other gifts (Final decision stands with Loanoholic).

As a customer, suppose you have applied for a credit card with a reference code,

• If you have used the reference code of the person/reference who has provided us 1 or 2 credit card leads/references OR a Cumulative loan amount up to Rs.1.00 Cr. per month, in such a scenario, for example, if we will receive commission/income around Rs.1000 from associate banks/NBFCs, then you with get a maximum of 20% means Rs.200/- as gift rewards (if you are selected) in the form of the amount directly paid into your bank account by deducting TDS, an equal amount of gift voucher, or other gifts (Final decision stands with Loanoholic).

• If you have used the reference code of the person/reference who has provided us with 3 or 4 credit card leads/references OR a Cumulative loan amount between above Rs.1.00 Cr. to Rs.3.00 Cr. per month, In such a scenario, for example, if we will receive commission/income around Rs.1000 from associate banks/NBFCs. You with get a maximum of 15% means Rs.150/- as gift rewards (if you are selected) in the form of the amount directly paid into your bank account by deducting TDS, an equal amount of gift voucher, or other gifts (Final decision stands with Loanoholic).

• If you have used the reference code of the person/reference who has provided us with 5 to 9 credit card leads/references OR a Cumulative loan amount between Rs.3.00 Cr. to Rs.5.00 Cr. per month, In such a scenario, for example, if we will receive commission/income around Rs.1000 from associate banks/NBFCs. You with get a maximum of 10% means Rs.100/- as gift rewards (if you are selected) in the form of the amount directly paid into your bank account by deducting TDS, an equal amount of gift voucher or other gifts (Final decision stands with Loanoholic).

• If you have used the reference code of the person/reference who has provided us with more than 10 credit card leads/references OR a Cumulative loan amount of more than Rs.5.00 Cr. per month, In such a scenario, for example, if we will receive commission/income around Rs.1000 from associate banks/NBFCs. You with get a maximum of 5% means Rs.50/- as gift rewards (if you are selected) in the form of the amount directly paid into your bank account by deducting TDS, an equal amount of gift voucher, or other gifts (Final decision stands with Loanoholic).

Very Few lucky customers will be rewarded with the latest iPhone, Alexa, TV, etc. based on their selection.

Please note that,

1) Selected customers opting for our services through the digital channel (which means no physical sales are involved) can only get a chance to win an attractive gift from our end.

2) Application/participation/availing of service is not a guarantee to win/secure rewards.

3) You have to provide us with your bank account detail with the IFSC code and Branch name, which we can credit payout by deducting TDS.

4) Each customer who avails services like a Loan against property, Home loan, Car Loan, Business Loan, Personal Loan, business loan, gold loan, and credit card are eligible for selection.

5) In the case of a Loan, the customer has to provide us with their loan sanction/disbursement details for rewards benefits.

6) In the case of Loan, Eligible for rewards only after disbursement of more than 20% of the loan amount (may be decided by Loanoholic).

7) In the case of a credit card case, you are eligible for rewards only after activating the credit card you received.

8) The customer has to submit their valuable feedback for our services for rewards benefit.

9) Rewards are to be given within 3 months from the date of disbursement (in case of Loan) and activation of Credit card (in case of Credit Card). The customer has to provide us details so we can update it in our system, and 3 months start after that.

10) In all scenarios, the Final decision stands with Loanoholic, which you must accept.

15. Referral program

Loanohilc Offers a referral program for each customer, which is a win-win situation for both of us.

Each customer will get a referral code after completing the service process, through which if any of your friends/relatives avail of our services in the future through a digital channel, you will be incentivized.

Your friends/relatives whom reference you provide to us will enjoy our customer-centric services benefit, and you will receive a healthy amount of payout/rewards after completion.

To provide a reference, you need to enter the details of your referee with your reference code. Loanoholic team will do the rest, and you will receive a healthy amount of payout/rewards after completion.

Loanoholic referral programs benefits are,

• Earn unlimited from your comfort

• Healthy Passive income source

• More payout with a more significant loan amount

• Earn as much as you can without any ceiling

You can be rewarded as –

• If you have provided 1 or 2 loan references/leads of loan OR Cumulative loan amount up to Rs.1.00 Cr. which is convertible and disbursed within a month, through which, for example, if we will receive commission/income around Rs.10000 per lead from associate banks/NBFCs, then you with get a maximum of 10% as payout means Rs.1000/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

• If you have provided 3 or 4 loan references/leads of loan OR Cumulative loan amount between above Rs.1.00 Cr. to Rs.3.00 Cr. which is convertible and disbursed within a month, through which, for example, if we will receive commission/income around Rs.10000 per lead from associate banks/NBFCs, then you with get a maximum of 17.5% as payout means Rs.1750/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

• If you have provided 5 to 9 loan reference/leads of loans OR Cumulative loan amount between above Rs.3.00 Cr. to Rs.5.00 Cr. which is convertible and disbursed within a month, through which, for example, if we will receive commission/income around Rs.10000 per lead from associate banks/NBFCs, then you with get a maximum of 25% as payout means Rs.2500/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

• If you have provided more than 10 loan reference/leads of loans OR Cumulative loan amount more than Rs.5.00 Cr. which is convertible and disbursed within a month, through which, for example, if we will receive commission/income around Rs.10000 per lead from associate banks/NBFCs, then you with get a maximum of 30% as payout means Rs.3000/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

• If you have provided 1 or 2 references/leads of our services other than Loan like Credit Card, ITR filing, Balance sheet, Profit & Loss, etc., which is convertible (purchased credit card activation and in other services collection of charges) within a month, through which, for example, if we will receive commission/income around Rs.1000 per lead from associate banks/NBFCs/customer then you with get a maximum of 10% as payout means Rs.100/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

• If you have provided 3 or 4 references/leads of our services other than Loan like Credit Card, ITR filing, Balance sheet, Profit & Loss, etc., which is convertible (purchased credit card activation and in other services collection of charges) within a month, through which, for example, if we will receive commission/income around Rs.1000 per lead from associate banks/NBFCs/customer then you with get a maximum of 17.5% as payout means Rs.175/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

• If you have provided 5 to 9 references/leads of our services other than Loan like Credit Card, ITR filing, Balance sheet, Profit & Loss, etc., which is convertible (purchased credit card activation and in other services collection of charges) within a month, through which, for example, if we will receive commission/income around Rs.1000 per lead from associate banks/NBFCs/customer then you with get a maximum of 25% as payout means Rs.250/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

• If you have provided more than 10 references/leads of our services other than Loan like Credit Card, ITR filing, Balance sheet, Profit & Loss, etc., which is convertible (purchased credit card activation and in other services collection of charges) within a month, through which for an example if we will receive commission/income around Rs.1000 per lead from associate banks/NBFCs/customer then you with get a maximum of 30% as payout means Rs.300/- per lead in the form of the amount directly paid into your bank account by deducting TDS.

Please note that

1) A referral code scheme is not a job or payout guarantee scheme from our end. You will receive a payout/income based on your work.

2) Loanoholic and associate banks/NBFCs are not bound to provide loans, credit cards, or other services to your referee. Service is to be provided based on merit.

3) You will only get a referral code benefit if your referrer avails of our service through the digital mode without physical contact.

4) Application/participation of services is not a guarantee for payout. You can get a payout in case of a Loan after disbursement of at least 20% of the loan amount, after activation in case of a credit card, and after receiving payment in case of other services from your referee.

5) In the case of a Loan, to get a payout, you have to ensure that your referee has provided us with their loan sanction/disbursement details.

6) To get a payout, you have to ensure that your referee has submitted their valuable feedback for our services.

7) Payout is to be given within 3 months from the date of disbursement (in case of Loan), activation of Credit card (in case of Credit Card), and after receiving payment in case of other services.

8) The reference payout cycle is a monthly basis. Your payout is decided on your monthly performance. If you provide 9 leads/references last month and 2 leads/references this month, then you will receive a payout for last month based on 9 leads/references and a current month based on 2 leads/references. We never club two months' performance without saying the same in advance.

9) For payout, leads/references for loans and leads/references for credit card/other services are treated separately.

10) Loanoholic does payout directly paid into your bank account by deducting TDS, but in particular, it can give you a gift card instead of the amount which you have to accept. Loanoholic assures you that you will always get a payout for your work (amount as explained with example)

11) In all scenarios, the Final decision stands with Loanoholic, which you must accept.

12) If your referee avails of any credit facilities (loans/credit card), then you are liable to make sure that your referee will repay the same regularly. The Company is not responsible for the repayment of your availed credit facilities.

16. 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 favour 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).

17. Loanoholic Selling Partner

Loanoholic offers Loanoholic Selling Partner Program to help customers/users physically.

Loanoholic Selling Partners are not employees of the Company; they are separate entities; they are helping hand to increase the reach of the Company on the ground. Any professionals such as Tax consultants, Ex-Banker, Chartered accountants, Loan agents, and Builders can become Loanoholic Selling Partners through online digital mode without physical contact.

The Company is paying a payout to Loanoholic Selling Partners on a regular basis. So, They can not demand any payout from you for the credit facilities approval/disbursement process, but if you ask for specific services like mortgage creation, purchase of stamps, legal documentation or approval, etc., then they can ask as their time will involve.

The Company expects professional behaviour from Loanoholic Selling Partners with maintaining the core value of the Company. The Company is not promoting unauthorized practice or misconduct of Loanoholic Selling Partner. The Company is not responsible for any unauthorized practice or misconduct from Loanoholic Selling Partner to you. If you feel any unauthorized practice or misconduct from Loanoholic Selling Partner with you, you can write back to us or also mention the same in your service feedback, so we can take suitable action against that particular Loanoholic Selling Partner, including cancellation of selling partner agreement.

18. Loanoholic intends to provide transparent information about banking products and services. The information and data on the Website are generic. We attempt to provide accurate and trustworthy information. Any inconsistencies of any kind are not our responsibility.

There is no purpose for violating any copyright or intellectual copyright issues. All information supplied on the Website Loanoholic is up to the portal's discretion and may change at any time without prior notice. However, any modifications to public utilities will be announced right away on our website.

We have tried to uphold high standards for the information supplied on the site in terms of quality, clarity, and accuracy. Loanoholic is not held liable for the same under the law. Employees, partners, and other affiliated personnel of Loanoholic are not liable for any loss, hurt, or damage resulting from using the portal's information. Customers are urged to use caution in these situations. Financial, insurance, and legal information is offered on the platform. All parties agree that consumers' affiliation with the site will be done at their own discretion and cost.

19. Holic Fintech LLP, the owners of the brand "Loanoholic" and this Website, are the mediators for the banks and financial institutions, as is made clear to all visitors and third parties. The products of the latter are dealt with on this Website/portal. It is made abundantly clear that Holic Fintech LLP, its parent company, its directors (partners), shareholders, officers and employees, and Loanoholic are in no way responsible or liable for anyone for his/her credit buy decision(s) (availing any kind of loans or taking credit card through us). Every prospect/loan seeker shall be solely responsible for the consequences of his/her decision(s).

We are just a credit facilities suggestion; the Final decision is on your end. If you select/avail of any credit facilities (loans/credit card), then you are liable to make regular repayment of the same. The Company is not responsible for the repayment of your availed credit facilities.

After providing service to you, our team will ask for feedback to you for our betterment. We can publish your feedback on our various platforms mentioning your detail including your name and photograph.

20. Don't'

• Using the company name, logo, slogan, and published material by you, our associates, employees, and third-party partners without our permission is strictly prohibited.

You, our associates, employees, and third-party partners have to directly represent our issues, concerns, problems, or complaints through the mail, feedback, or letter. You, our associates, employees, and third-party partners are also prohibited from taking part in any negative campaign against us through any medium.

If we find any such misconduct, you are liable for the damage; in such case, you have to pay a monetary amount to be decided by the Company based on the market situation or loss that occurred (decide based on economic and marketing tools).

• In any sort of misbehaving/misconduct/illegal activity of our staff through telephonic or personal visit, you can complain to us by sharing feedback or write us at [email protected]. We assure you that we will make a proper inquiry for the same and take a suitable step against that employee by favoring customers as "customer happiness" is our core value.

But, The Company as a whole is never responsible for such misbehaving/misconduct/illegal activity of one staff. You can never take any legal action against the Company for any of the staff to misbehave/misconduct/illegal activity.

You are free to directly take legal action against that staff after obtaining permission from us without mentioning the Company name in any complaint or on any forum.

If, due to your complaint, there is any impact on our brand name, then you are liable for the damage; in such case, you have to pay a monetary amount to be decided by the Company based on the market situation or loss that occurred (decide based on economic and marketing tools).

21. 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.