www.rupaiyaexchange.com, herein after referred as ‘Rupaiyaexchange’ or ‘us’ or ’we’ or ‘the Website’, is a product of Rosh Capital Advisory Private Limited.


USER AGREEMENT

The User understands that we are a platform providing access between multiple Users in the form of consumers, financial institutions, strategic partners etc. with a view to facilitate lending and borrowing activities between the Users. It is hereby clarified that the term "Users" shall mean any person using the Website i.e. consumers, financial institutions, data partners and other partners.

Your use of this Website implies that you have read, understood and agreed to abide by following, disclaimer, terms & conditions ("Terms & Conditions"). These Terms & Conditions govern your usage of the Website. If you disagree with any part of these terms and conditions, please do not use the Website.

Rupaiyaexchange reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms and Conditions, at any time without any prior written notice to the User. It is the User’s responsibility to review these Terms and Conditions periodically for any updates/ changes. User’s continued use of the App or Website following the posting of changes will mean that the User has accepted and agreed to the revisions.


General

The Website is a medium bringing together consumers, financial institutions, and other partners. Rupaiyaexchange is merely a facilitator connecting Users assistance regarding lending and borrowing. Rupaiyaexchange acts as a facilitator for transaction between two such persons. Rupaiyaexchange does not facilitate investments by individuals on the Website. Rupaiyaexchange is not a Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India. Rupaiyaexchange is also not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.


Eligibility

The User of the Website unequivocally declares and agrees that the User is a natural / legal person who has attained the age of at least 18 years and/ or is legally allowed to enter into a contract in India. If the User violates any of these Terms & Conditions, or otherwise violate an agreement entered into through the medium of the Website, Rupaiyaexchange may terminate the User’s account, delete his/her profile and any content or information posted online by the User on the Website and / or prohibit the User from using or accessing the Website at any time in its sole discretion, with or without notice, including without limitation.


Submission of Information

Rupaiyaexchange collects personal information that you provide to us while applying for a loan on the website such as your name, mailing address, phone number, email address and sensitive data/information such as credit card number, pan number, tan number, ITR (Income Tax Returns), bank account number and statements, driving license details, personal statements, reasons for seeking finance, income sources and financial information and non-personal information such as your ISP, IP address, operating system which cannot be used easily to identify you.

Please ensure that the details you provide us with are true, correct, accurate and complete and inform us immediately of any changes to the information that you provided when registering. Rupaiyaexchange reserves the right to refuse access to the website, terminate accounts, remove or edit content at any time without notice to you. Rupaiyaexchange shall not be responsible for any data lost while transmitting information on the internet. Further, it is to be noted that all the information provided shall be solely used for provided the services as set out herein.

The User also unequivocally agrees to provide true, accurate, current and complete information about as sought by the registration form of the Website. Upon Rupaiyaexchange gaining knowledge or of having any reasonable suspicion that the information provided by you is wrong, inaccurate or incorrect, Rupaiyaexchange shall immediately terminate your account without any notice to you in this regard. You shall at all times abide by the Terms and Conditions stated herein and any breach of these conditions may also lead to Rupaiyaexchange terminating your account and appropriate civil and criminal remedies will be sought against you as provided under the laws of India.

For the provision of services, Rupaiyaexchange will be using and sharing all the information provided by the User with multiple financial institutions and other parties, as may be required and Rupaiyaexchange may also run multiple credit checks. The User hereby grants Rupaiyaexchange the permission to collect, store, use and share such information (including but not limited to the information mentioned above and all such other information shared by the User with Rupaiyaexchange, including documents uploaded) with financial institutions and such other parties, as may be required. Further, the User also grants us the permission to collect information from credit bureaus, as applicable.

Your personal information as User of this Website shall not be shared by Rupaiyaexchange to any unrelated third parties without your consent. However, in case any such information is required to be shared with a third party as directed and authorized by law or court order or any such authority legally allowed to ask for such information, Rupaiyaexchange will be at liberty to share such information. Further, the Users also acknowledge that the document uploaded by the Users shall be used by Rupaiyaexchange and other Users to verify, perform data analytics and other such activities on the uploaded documents and further, provide such information as may be necessary to the other Users for the facilitating the loans


Service Suspension

Rupaiyaexchange may wish to stop providing the services through the Website, and may terminate use of it at any time without giving notice of termination to you. Rupaiyaexchange reserves the right to suspend or cease providing any service related to the Website and shall have no liability or responsibility to the User in any manner whatsoever if it chooses to do so.


Limitation of Liability and Disclaimer of Warranties

Notwithstanding anything to the contrary contained herein, neither Rupaiyaexchange nor its affiliated companies, subsidiaries, officers, directors, employees or any related party shall have any liability to you or to any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these terms and conditions. You waive, release, discharge and hold harmless Rupaiyaexchange, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Website.

As a User you also acknowledge that Rupaiyaexchange has maintained and carried out all possible checks and balances to assure the credibility of the Users as listed on the Website. The information provided on the Website is based on the information that is provided to Rupaiyaexchange. In case the User does not disclose any information to Rupaiyaexchange, and the same is not found out at the first instance by Rupaiyaexchange despite all measures adopted to certify the ratings or credibility of a User, Rupaiyaexchange shall not be responsible for any claims or liabilities. Rupaiyaexchange in any event is not responsible for any default in return of money that is borrowed from the lender and the lender shall have the exclusive right to initiate proceedings against the defaulter borrower. Rupaiyaexchange shall to the best of its abilities aid the concerned User in terms of provision of information to initiate any legal proceedings. However, Rupaiyaexchange shall not be responsible for any default on behalf of the User. Rupaiyaexchange is an information platform and the User is entitled to conduct its own diligence.

Rupaiyaexchange makes no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted. Consequently, Rupaiyaexchange assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website; and/or any interruption or errors in the operation of the Website. This limitation of liability clause shall prevail over any conflicting or inconsistent provision contained in any of the documents / content comprising this Terms & Conditions. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, malware, Trojan horses and other items of a destructive nature.


Indemnity

You agree to indemnify, save, and hold Rupaiyaexchange, its affiliates, contractors, employees, officers, directors, agents and its third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to your use or misuse of the services or of the Website, any violation by you of these Terms and Conditions, or any breach of the representations, warranties, and covenants made by you herein or your infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libelous, obscene, harassing or offensive material posted/ transmitted by you on the Website. Rupaiyaexchange reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Rupaiyaexchange, including rights to settle, and you agree to cooperate with Rupaiyaexchange’ defense and settlement of these claims. Rupaiyaexchange will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Terms and Conditions.


Applicable Laws

Your use of this Website and any Term & Conditions stated in this policy is subject to laws of India. In case of any disputes arising out of the use of the Website, Courts of Delhi will have exclusive jurisdiction.


Grievances

Users have complete authority to file a complaint/ share feedback if they are disappointed by services rendered by Rupaiyaexchange. They can give their complaint/ feedback by way of an email to the following:

Grievance Officer - admin@rupaiyaexchange.com.


Information security

We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption using SSL, and information access authorization controls.

However, you understand and accept that there is 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, unauthorized third party access to our Website and data bases or other acts of third parties, or acts or omissions beyond our reasonable control and you shall not be entitled to hold Rupaiyaexchange responsible for any breach of security.


Third party websites

With this policy we areonly addressing the disclosure and use of data collected by us. If you visit any websites through the links on the Rupaiyaexchange Website please ensure you go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this policy and Rupaiyaexchange does not have control over any of their policies.

We might post your data on various pages of our Website that will be visible to people other than registered users. If you wish to not have your information shared please let us know at admin@Rupaiyaexchange.com.

If it so happens that Rupaiyaexchange is part of a merger, acquisition or amalgamation, your data might be part of the deal with that third party and will be transferred to them.


Disclosure

During the course of operations and our relationship with you we might disclose your information to third parties associated with Rupaiyaexchange and the government and other judicial bodies mandated by the law and in order to comply with legal obligations.


Disclaimer of Warranties

You Expressly Understand and Agree that

Your use of the service and all information, products and other content on the Website is at your sole risk.

Limitation of liability

Under no circumstances would the Website or its affiliates be liable for any damages including General, special, direct, indirect, incidental, consequential, punitive or any other damages (including, without limitations, lost profits or business interruptions) of any kind whether in action or in contract suffered due to use of this Website or its content including but not limited to listing, loan, commitments, repayments etc. or in connection with any failure of performance, error, omissions, interruption, defect, delay in operation or transmission, computer virus online or system failure even if the Website or its affiliates are advised of the possibilities of such damages, losses or expenses.

The Website or its affiliates are not liable for any defamatory, offensive or illegal conduct of any user. Your sole remedy for Dissatisfaction is to stop using this Site.


Indemnification

You agree to indemnify and hold harmless the Website or its affiliates from and against all claims, losses, expenses, demands or liabilities, including lawyer fees and costs, incurred by the Website or it affiliates parties in connection with any claim by a third party.

Termination

These Terms & Conditions are effective until terminated by the Website or its affiliates. The Website may terminate these Terms & Conditions at any time without any notice, or suspend or terminate access use of the Website at any time with or without a cause or notice.

Note that provisions with respect to indemnification, limitation of liability shall survive even after termination of these Terms & Conditions.