These Terms and Conditions ("Terms", "Agreement") govern Your access to and use of the website
[https://agrimfincap.com ] and the mobile application (collectively, the "Platform") operated by Agrim
Fincap Private Limited (hereinafter referred to as the "Company", "Lender", "We", or "Us"), a company
incorporated under the Companies Act, 1956/2013, having its Registered Office at 276 , First Floor, Gagan
Vihar, Shahdara, Delhi – 110051 India

By accessing, browsing, or utilizing the Services on the Platform, You ("User", "Borrower", "You")
unequivocally agree to be bound by these Terms, the Privacy Policy, and the Fair Practices Code of the Company. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DISCONTINUE USE OF THE PLATFORM
IMMEDIATELY.

You hereby represent and warrant that You are competent to contract under the Indian Contract Act, 1872.
You are eligible to use the Platform only if:

1. You are a citizen of India and a resident within the territory of India.

2. You have attained the age of 18 (Eighteen) years.

3. You are not disqualified from entering into a contract by any law for the time being in force.

4. You are not a person barred from receiving services under the laws of India or other applicable
jurisdiction.

1. We may use your information to communicate with you, respond to inquiries, provide customer support, and share service-related updates.
2. With your consent, we may send marketing communications via SMS, Email, RCS, WhatsApp, and Voice calls.
3. You may opt out of marketing communications at any time using the unsubscribe option provided in our messages.

The Company provides the Platform to:

1. Facilitate the submission of loan applications ("Credit Facilities").

2. Enable credit underwriting and risk assessment via proprietary algorithms.

3. Disburse loans to eligible Borrowers in accordance with the Sanction Letter and Loan Agreement.

4. Manage repayment, collections, and customer grievances.

Important Caveat: The granting of a loan is at the sole discretion of the Company. Mere registration on the
Platform or submission of documents does not guarantee the sanction of a Credit Facility.

1. Account Creation: To avail Services, You must register by providing accurate, current, and complete
information as prompted by the registration form.

2. Confidentiality: You are solely responsible for maintaining the confidentiality of Your Login
Credentials (Username, Password, OTP). You agree that any activity that occurs under Your account
shall be deemed to be an act authorized by You.

3. Notification: You agree to immediately notify the Company of any unauthorized use of Your account
or any other breach of security. The Company shall not be liable for any loss incurred by You due to
unauthorized access to Your account.

You hereby covenant and agree that You shall NOT:

1. Misrepresentation: Provide false, inaccurate, or misleading information regarding Your identity,
income, or employment.

2. Illegal Use: Use the Credit Facility for any illegal purpose, including but not limited to speculation,
gambling, or activities prohibited under the Prevention of Money Laundering Act (PMLA), 2002.

3. IP Infringement: Reverse engineer, decompile, or disassemble any aspect of the Platform or infringe
upon the Intellectual Property Rights of the Company.

4. Malicious Activity: Upload any material that contains software viruses, trojans, or any other
computer code designed to interrupt, destroy, or limit the functionality of the Platform.

1. Loan Agreement: The specific terms of Your loan (Interest Rate, Tenure, EMI, Processing Fee) shall
be governed by the separate Loan Agreement and Key Fact Statement (KFS) executed between
You and the Company. In case of a conflict between these Terms and the Loan Agreement, the Loan
Agreement shall prevail.

2. Credit Reporting: You explicitly authorize the Company to fetch Your Credit Information Report (CIR)
from Credit Information Companies (CICs) and to report Your repayment behavior (including defaults)
to such CICs.

3. Fair Practice: The Company adheres to the RBI Fair Practices Code. A copy of the same is
available on the Platform.

All content on the Platform, including but not limited to text, graphics, user interfaces, visual interfaces,
photographs, trademarks, logos, sounds, music, and computer code (collectively, "Content"), is owned,
controlled, or licensed by or to the Company and is protected by copyright, patent, and trademark laws.

You are granted a limited, non-exclusive, non-transferable license to access the Platform strictly for personal
use. You shall not copy, republish, or distribute any Content without express written consent.

The Platform and all Services are provided on an "AS IS" and "AS AVAILABLE" basis. The Company explicitly
disclaims all warranties, express or implied, including but not limited to:

1. Uninterrupted Service: The Company does not warrant that the Platform will be constantly
available, or available at all, during maintenance or technical failures.

2. Accuracy: While We strive for accuracy, We do not warrant that the information on the Platform is
complete, true, or non-misleading.

3. Third-Party Links: The Platform may contain links to third-party websites (e.g., Payment Gateways).
The Company controls neither the content nor the privacy practices of such sites and accepts no
liability for them.

To the maximum extent permitted by law, Agrim Fincap Private Limited (including its Directors, employees,
and LSPs) shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages, including
without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

1. Your access to or use of or inability to access or use the Platform.

2. Any unauthorized access to or use of our secure servers and/or any personal information stored
therein.

3. Any bugs, viruses, or trojan horses transmitted to or through our Platform by any third party.

You agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, and
employees from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and
expenses (including but not limited to attorney's fees) arising from:

1. Your violation of any term of these Terms.

2. Your violation of any third-party right, including without limitation any copyright, property, or privacy
right.

3. Any claim that Your content caused damage to a third party.

The Company reserves the right, in its sole discretion, to terminate or suspend Your access to the Platform
and/or Your Account at any time, without notice, for any reason, including but not limited to a breach of these
Terms or suspected fraudulent activity.

Upon termination, Your right to use the Platform will immediately cease. However, Your obligation to repay any
outstanding Loan amount shall survive such termination.

This Agreement shall be governed by and construed in accordance with the laws of the Republic of India.
DISPUTE RESOLUTION:

Any dispute, controversy, or claim arising out of or relating to this Agreement, or the breach, termination, or
invalidity thereof, shall be subject to the exclusive jurisdiction of the competent Courts situated at New Delhi,
India.

For any questions regarding these Terms, please contact our Compliance Officer:

Secretary / Compliance Officer

Agrim Fincap Private Limited

Register Address: 276 , First Floor, Gagan Vihar, Shahdara, Delhi – 110051 India

Email: care@agrimfincap.com

Phone: 9355570545