Privacy Policy

This privacy policy ("Policy") is made in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, and applicable RBI guidelines and regulations, and describes policies and practices of Voxarlabs Private Limited, a company incorporated under the Companies Act, 2013, having registered office at # 213, 2nd Floor, Ramanashree Arcade 18, Mahatma Gandhi Road, Bangalore, Karnataka, 560001 and its affiliates, successors and assigns (hereinafter referred to as "nāvik", "We", "Us" or "Our") regarding the collection, processing, use, storage, and disclosure of information when you (hereinafter referred to as "You", "Your" or "User") visit, access or use the Platform (defined below) for any purpose, including but not limited to availing of the Services (defined below). nāvik owns and operates a website, accessible on asknavik.com (hereinafter referred to as "Platform").

This Policy constitutes a legal agreement between You as the User of the Platform, and nāvik, as the owner of the Platform. For clarity, User shall mean any person, who visits, uses and/or transacts through the Platform. You are permitted to use the Services available on the Platform only if you are a natural person, a citizen of India, and at least eighteen (18) years of age.

This Policy supersedes any prior communication on this subject matter and excludes third-party websites/applications that are connected via links to the Platform. We urge You to read the terms and conditions of the third-party websites and applications and use/access them at your own risk. Except to the extent expressly prescribed in this Policy, nāvik shall not be liable or responsible to You for any acts or omissions of third-party websites or applications, as nāvik does not have any control over such websites and applications.

By visiting or accessing the Platform and voluntarily providing Us with information, including, but not limited to, personal information and sensitive personal information, You are consenting to Our use of the information in accordance with this Policy.

IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, PLEASE DO NOT USE OR ACCESS THIS PLATFORM.

This Policy is a part of the 'Terms & Conditions' located here. Your use of the Platform will be governed by this Policy together with all policies, notices, guidelines, disclaimers that are published on the Platform and/or shared with You from time to time and such other terms as may be applicable to You as a User of the Platform.

This Policy shall be enforceable against You in the same manner as any other written agreement.

We reserve the right to modify this Policy at any time and update this Policy from time to time, so please review this Policy frequently to understand the latest privacy practices adopted by Us. Changes and modifications to this Policy will take effect immediately upon posting on the Platform. Any continued use of the Services shall signify Your acceptance of such updated Policy.

We place the highest importance on respecting and protecting your privacy. The objective of this Policy is for you to better understand:

• The type of information We may collect from You;
• The purpose for which the information may be collected by Us;
• The sharing of such information by Us;
• The data retention and information security measures implemented by Us;
• Changes and updates to this Policy; and
• Your rights under this Policy.

We aim for full transparency on how We gather, use, and share Your information.

A. Services

nāvik is in the business of inter alia, providing services of the nature of ("Services"):

1. Facilitating the Provision of Loans

nāvik is in the business of inter alia, providing services in the nature of facilitating the provision of loans. nāvik has partnered with various banks and NBFCs (collectively, "Lending Partner(s)") that offer loan products. nāvik acts as an intermediary for the purposes of connecting You with the Lending Partners and enabling You to avail loan products offered by Lending Partners, as the case may be. For the list of Lending Partners engaged by Us, You may refer to the link on Our Platform.

2. Provision of Credit Report

We fetch Your credit report ("Report") from credit bureaus as Your agent after obtaining Your explicit consent and authorisation. We share the report along with an analysis to educate You regarding Your financial health. The Report helps Us understand Your credit health in relation to which We also provide advice on ways to improve your credit health. We collect Your name, address, email ID, mobile number, age, date of birth, gender and PAN to establish Your identity for this purpose. This Report is provided to you and is not shared with any third party. On provision of information as mentioned in this Clause, You provide your express consent to Us to use the information for the purposes stated in this Clause in accordance with this Policy.

B. Information that We Collect

We collect the following information from You with Your explicit consent to provide You with, or in connection with, the Services:

• Identity and profile-related data: This includes Your first and last name, parents' names, date of birth, gender, educational qualifications, purpose of loan, marital status, Aadhar number, education details, residential address, office address, details of parents, and house ownership details.
• Financial data: This includes Your past credit history, the name of the bank where You have a primary account, bank statements, pay slips, details of income, name of the current and previous employers, details regarding the years/months completed with the current employer.
• KYC data: We shall seek a 'one-time access' of the camera for selfies/photos for the purpose of facilitating KYC and collecting KYC documents, which include identification documents issued by the government or other authorities, and include details of or pertaining to your Aadhaar, PAN card, voter ID, etc. We may take a one-time access of Your microphone, location (fine and coarse GPS data), or any other facility for the purpose of onboarding or KYC checks (for such instance of access).
• Transaction data: This includes details of transactions that may occur through the Platform or in connection with the Services. For example, transaction data may include the services You have sought or availed through the Platform or confirmations of such services.
• Device data: This includes Your IP addresses, browser types and versions, time zone settings, operating systems, and device information. This data is collected for the purpose of data analytics.
• Customer support data: This includes information that You provide when You write to Us (including by e-mail) or share with Us over the telephone, and recordings of telephonic conversations between You and Our call-centre executives (who may be Third Parties) for any query, assistance, or support.
• Any other information as required by Lending Partners.

Other than as mentioned herein, We desist from accessing mobile phone resources like files and media, contact list, call logs, telephony functions and others or collecting any biometric data.

We may receive information related to your loan-related transactions in cases where we are providing ancillary services to the Lending Partners as outsourced by the Lending Partners, which we may further outsource to a Third Party (defined below).

C. Purpose for Which Information Is Collected

We will only use Your information in accordance with the applicable laws. We endeavor to collect only such data/information that is reasonably necessary to perform Services for You or to respond to Your inquiries. You are responsible for ensuring that the information you provide is accurate and complete.

By accessing or using the Platform, and by voluntarily providing Your information, You expressly acknowledge and agree that You authorise nāvik, its Lending Partners, and Third Parties to contact You via email, SMS, phone call, WhatsApp, AI-based calling systems, or any other mode of communication in relation to the Services, including but not limited to informing You of available credit products, customer support, addressing grievances or disputes, and activities relating to the collection services offered to Lending Partners for credit facilities availed by You.

In general, We use Your information for the following purposes:

1. To register You as a User on the Platform.
2. To provide You with the Services.
3. To communicate with You regarding the Services requested by You or to respond to queries raised by You on the Platform.
4. To facilitate Your KYC in accordance with applicable laws and requirements of Lending Partners.
5. To process and submit Your application for availing loans or other credit facilities from regulated Lending Partners.
6. To enable the provision of services by Third Parties.
7. To manage Our relationship with You, including notifying You of changes to the Services.
8. To administer and protect Our business and the Platform, including undertaking troubleshooting, data analysis, system testing and internal operations.
9. To send You communications, including WhatsApp messages and AI-initiated calls, in relation to Your use of the Platform or Services.
10. To conduct data analytics and monitor usage trends to improve the Platform and the Services.
11. To improve Our business processes, delivery models and overall user experience.
12. To perform obligations arising from arrangements or contracts entered or to be entered with You.
13. To enforce Our Terms and any other applicable policies.
14. To undertake marketing and promotional activities, including sending promotional messages or making promotional calls (including AI-enabled calls) relating to Services offered by Us presently or in the future.
15. To respond to court orders, establish or exercise legal rights or defend Ourselves against legal claims.
16. To ensure compliance with all other applicable legal and regulatory requirements.

D. Sharing of Information

1. Third Party and Lending Partners

We may share Your data with Third Parties and Lending Partners for providing and/or improving Our Services, enforcing Our Terms, and to protect the rights, property, or safety of Our Users, or others in accordance with applicable laws. Except for the requirement to share any information with regulatory or statutory authorities, We shall ensure that the Third Parties with whom We may share Your information are under a confidentiality agreement with Us for the provision of Services, which inter alia restricts such Third Parties from further disclosing the information, unless such disclosure is for the purpose as detailed under that confidentiality agreement.

We shall also strive that the Third Party to whom information is transferred maintains the same level of protection that is adhered to by Us, which in no case shall be less than the standards mentioned under applicable laws. For Third Parties engaged by Us, We remain responsible for ensuring that they process Your information strictly in accordance with Our instructions and the contractual obligations imposed by Us on such Third Parties.

For the purpose of this Policy, the term "Third Party" means any individual, company, or legal entity (other than Lending Partners) to whom nāvik may disclose or transfer Your information for the purposes of providing, supporting, or improving the Services. For the list of Third Parties engaged by Us, You may click on the following link.

Your information may also be shared with the Lending Partner(s) mentioned in Clause A(1) of this Policy.

Information stored or further shared by a Lending Partner is governed exclusively by the privacy policies, security practices, and regulatory obligations of the relevant Lending Partner. We do not control and are not responsible for any acts, omissions, breach, or misuse of information by any Lending Partner, and any liability shall be governed by the contractual arrangement between You and such Lending Partner.

2. Law Enforcement Agencies, Public Authorities or Other Judicial Bodies and Organisations

We disclose Your information if we are legally required to do so, or if we have a good faith belief that such use is reasonably necessary to comply with a legal obligation, process or request; enforce Our Terms and other agreements, policies, and standards, including investigation of any potential violation thereof; detect, prevent or otherwise address security, fraud or technical issues; or protect Our rights, property or safety, our Users, a Third Party, or the public as required.

3. Corporate Restructuring

We may disclose Your information or records containing Your information to our subsidiaries and affiliates, or a subsequent owner, co-owner or operator of our Platform and/or Services, and their advisors in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our stock and/or assets, or in connection with bankruptcy proceedings, or other corporate reorganization, in accordance with this Policy and subject to the requirement under applicable laws.

E. Cookies

Cookies are small data files that the Platform stores on Your device. We will use cookies on Our Platform similar to other lending marketplace websites. Use of this information helps Us identify You, user behaviour, and the products that the User browses on Our Platform, in order to make Our Platform more user friendly and to be able to provide You with information relating to credit products that may be of interest to You. We might also use this information to display advertising from Third Party companies. You will be provided with an option to decline cookies at all times but if You choose to do this it might affect Services provided to You.

F. Your Rights

With respect to the information collected by Us to provide Services, You have the following rights available to You:

1. Right to Deny

You may deny providing any information required by Us, restrain Us from sharing information with Lending Partners or Third Parties (as the case may be), deny storage of information or not provide Us the right to contact You.

2. Right to Withdraw Consent and Right to Be Forgotten

You have the right to withdraw consent previously provided to Us with respect to Our usage of Your information and You have the right to require the Platform to delete/forget the data relating to You. Right to withdraw consent includes consent provided to Us previously for specific use of information, storing of information, sharing Your information with Third Parties and network of Lending Partners and consent to contact You.

Basis Your request, We shall purge the information provided by You if there is no legal requirement to retain such information. Such a right as withdrawal of consent under this Clause F(2) can be exercised by the User by writing to support@voxar.ai. However, we reserve the right to retain information to the extent required for the below mentioned purposes:

• Comply with applicable laws;
• Enforce Our legal rights; or
• To provide any information required by regulatory authorities investigating any fraud or illegal activities.

In addition to the above, if Your application for provision of loan facilities was sent to Lending Partner for processing or if You have availed any loan facilities from Our Lending Partner, the Lending Partner shall have the right to continue processing Your information to contact You regarding the application or till such credit facility has been repaid in full, along with any interest and dues payable and/or for such period as may be allowed under applicable law. The Lending Partner may require Us to retain information in circumstances when the Lending Partner has outsourced any services in relation to its credit products such as collection of dues to Us and in such cases, we will be required to retain Your information.

3. Right to Rectify/Amend

We urge You to review information provided by You. In the event that any information provided by You is inaccurate, incomplete or outdated, You have the right to provide Us with accurate, complete and up to date information and have Us rectify or amend such information at Our end immediately (not later than one (1) month from date of receipt of notification). We request You to ensure to always provide Us with accurate and correct information to help us provide effective Services to You. We disclaim all liability and responsibility for the authenticity of the information provided by You to Us. Such a right as to the right to rectify as provided under this Clause F(3) can be exercised by User by writing to support@voxar.ai.

Please be mindful that the Services provided to You may be affected or We may no longer be able to provide You Services, if You exercise Your right to deny consent or Your right to withdraw consent or Your right to be forgotten, or if You provide incorrect/inaccurate information.

G. Storage and Security of Information

We store and process Your personal information on Microsoft Azure. Some of the safeguards We use are firewalls and data encryption using SSL, and information access authorization controls. We use reasonable safeguards to preserve the integrity and security of Your information against loss, theft, unauthorised access, disclosure, reproduction, use or amendment. To achieve the same, We use reasonable security practices and procedures as mandated under applicable laws for the protection of Your information. We also have a comprehensive, documented information security programme and information security policy that contains managerial, technical, operational and physical security control measures. Information You provide to Us shall be stored on Our secure servers located in India. The standards that We comply with to ensure the security of the information provided by You and processed by Us is the international standard of IS/ISO/IEC 27001 as mandated by the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011. However, You understand and accept that there's no guarantee that data transmission over the Internet will be completely secure and that any information that You transmit to Us is at Your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorised third-party access to our Platform and databases or other acts of third parties, or acts or omissions beyond our reasonable control, and You shall not be entitled to hold nāvik responsible for any breach of security.

However, nāvik shall duly inform You if there has been any breach or unauthorised disclosure of the information as provided by You.

The use of information collected by nāvik is restricted to its authorised personnel strictly on a need-to-know basis and is subject to periodic access review in accordance with internal policies and applicable law.

H. Retention

We retain Your information for as long as it is necessary for providing You the Services available on the Platform or is otherwise required under any other law for the time being in force unless We receive Your request for deletion of information. On receipt of Your request for deletion of information, We will delete Your information in accordance with Clause F(2).

Notwithstanding anything contained herein, We shall not retain Your personal data beyond the duration of the relationship between Us and the User plus a period of three (3) years.

This however excludes any information required to be retained due to relevance of information to any pending litigation, information that is otherwise required to be retained under any other law for the time being in force, information required to be retained due to instructions from Lending Partner in cases of an ongoing loan for collection of dues if outsourced to Us, or where the retention or preservation of any information is required under any contractual obligation binding on nāvik.

I. Grievance Redressal

If You have any grievance or question with respect to Your personal information, please write to the Grievance Redressal Officer ("GRO"), whose details are mentioned below:

Name: Nikhil Singh
Email ID: Grievance@voxar.ai
Contact No: +91 73489 50626
Address: Voxarlabs Private Limited, # 213, 2nd Floor, Ramanashree Arcade 18, Mahatma Gandhi Road, Bangalore, Karnataka, 560001

If You require any further information or clarification, You may also contact us at support@voxar.ai.

Response Timelines: The Grievance Officer can be contacted between 10:30 a.m. to 6:00 p.m. from Monday to Friday, except on public holidays. We will acknowledge your complaint within 48 (forty-eight) hours and aim to resolve it within 14 days of receipt of the same, in accordance with the applicable law.

Any questions or concerns with respect to the storage/processing/collection or sharing of your information by Our Lending Partner shall be addressed by the relevant Lending Partner in accordance with their privacy policies and applicable laws.

J. Phishing

"Phishing" usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal information or personal information by using fraudulent websites and/or e-mail addresses. In the event You provide information to a website or respond to an e-mail which does not belong to Us or is not connected with Us in any manner, You will be a victim of Phishing. We do not send e-mails requesting a User for payment information, user name or passwords.

K. Severability and Exclusion

We have taken every effort to ensure that this Policy adheres to applicable laws, rules and regulations. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the information collected by nāvik through the Platform. This Policy shall be inapplicable to any unsolicited information You provide Us through this Platform or through any other means. This includes, but is not limited to, information posted in any public areas of the Platform. All unsolicited information shall be deemed to be non-confidential, and nāvik shall be free to use and/or disclose such unsolicited information without any limitations.

L. No Waiver

The rights and remedies available under this Policy may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.

M. Governing Law and Dispute Resolution

This Policy shall be governed by and construed in accordance with the laws and courts mentioned in the Terms.

N. Applicability of Local Laws

The Company is incorporated and registered under the Companies Act, 2013, with its registered office at Bangalore, India. By browsing/using the Platform, You hereby acknowledge that nāvik is not responsible or liable in any manner to comply with any local laws of Your territory except India.

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Voxarlabs Private Limited, a private limited company having its registered office at # 213, 2nd Floor, Ramanashree Arcade 18, Mahatma Gandhi Road, Bangalore, Karnataka, 560001 ("CLIENT", "Us" or "We", which term shall include its successors and permitted assigns). The User and CLIENT shall be collectively referred to as the "Parties" and individually as a "Party".

You hereby consent to CLIENT being appointed as your authorised representative to receive your Credit Information on an ongoing basis until (i) the purpose of determining credit worthiness of consumer through using Provider's Credit Information Report and sharing relevant credit products with the consumer; and (ii) in relation to credit monitoring that enables the Individual Consumers to monitor various active loan products, new enquiries, movement of credit score, delayed payments flags etc. ("End Use Purpose") is satisfied or expiry of 6 months from date the consent is collected; whichever is earlier.

BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE EXPERIAN CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND CLIENT BY USING EXPERIAN TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN.

Terms and Conditions

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

CLIENT shall access your Credit Information as your authorized representative and CLIENT shall use the Credit Information for limited End Use Purpose consisting of and in relation to the services proposed to be availed by you from CLIENT. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein and in furtherance to applicable law including the CICRA.

The Parties agree to protect and keep confidential the Credit Information both online and offline.

The Credit Information shared by you, or received by us on your behalf shall be destroyed, purged, erased immediately upon the completion of the transaction/End Use Purpose for which the Credit Information report was procured, this period not being longer than 6 months.

Governing Law and Jurisdiction

The relationship between you and CLIENT shall be governed by laws of India and all claims or disputes arising therefrom shall be subject to the exclusive jurisdiction of the courts of Mumbai.

Definitions

Capitalised terms used herein but not defined above shall have the following meanings:

• "Business Day" means a day (other than a public holiday) on which banks are open for general business in Mumbai.
• "Credit Information Report" means the credit information/scores/aggregates/variables/inferences or reports which shall be generated by Experian.
• "Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
• "CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.

PLEASE READ THE ABOVEMENTIONED TERMS AND CONDITIONS AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS / FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH CLIENT IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE. BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN.

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
19th Floor, One World Centre Tower-2A-2B,
841 Senapati Bapat Marg,
Lower Parel,
Mumbai – 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information ("Consumer Credit Information") and other related credit products (Credit Products) offered by CIBIL through Voxarlabs Private Limited (referred to as the "Company") and delivery of the Consumer Credit Information and Credit Products to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information and Credit Products from TUCL on my behalf and use it, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information and Credit Products from TUCL on my behalf and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that the Terms of Understanding in relation to the use of the Consumer Credit Information and Credit Products has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver my Consumer Credit Information and Credit Products to the Company on my behalf.

D. I agree that my consent shall be stored by the Company on a permanent basis and shall be verifiable from time to time. I understand that the Company cannot access the Consumer Credit Information for more than 6 months on a single Consumer Consent and the same shall be required to be refreshed every six (6) months. Company can store the Consumer Credit Information only for (i) a limited time period of six months or (ii) till such time the credit information is required to be retained to satisfy the purpose for which it was provided or (iii) until I withdraw my consent to store such Consumer Credit Information, whichever is earlier and thereafter, the stored Consumer Credit Information shall be deleted, purged, expunged by the Company.

E. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information and Credit Products to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information or Credit Products, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company.

F. I acknowledge and accept that TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard.

G. I agree that I may be required to record my consent/provide consent electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written consent" to nāvik authorizing nāvik to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED. I further authorize nāvik to obtain such information solely to provide me with services in relation to (i) determination of my credit worthiness with respect to various financial products offered by the Company's lending partners; and (ii) credit monitoring that would enable me to monitor various active loan products, new enquiries, movement of credit score, delayed payments flags etc. Further in all such cases "By checking this box and clicking on the 'Authorize' button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Voxarlabs Private Limited ("nāvik") to obtain my Consumer Credit Information and Credit Products.

H. I understand that in order to deliver the product to me, I hereby authorize nāvik to obtain my Consumer Credit Information and Credit Products from TUCL.

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

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

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

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

M. For any issues related to your credit score/report (like wrong account information or loans/cards that you have not taken), kindly raise a dispute with CIBIL at https://www.cibil.com/dispute/.