This document is an electronic record in terms of Information Technology Act, 2000 and rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

These terms and conditions (together with any additional terms and conditions, disclaimers, policies, rules, agreements and procedures which are present or may be posted on the App from time to time, whether described or incorporated by reference below or otherwise, Terms of Use) govern the access to, or use of, Google Play Store mobile application named Florence Capital, available on the Google Play Store platform and via the domain name florencecapital.in (together with all of its subsites, and all software, features, services and tools made available or offered through such Android app, website or subsites, App), by each person, natural or otherwise, directly or indirectly through an agent, representative or intermediary, (each such person accessing, transacting on, or otherwise using, the App, a User).

The App is owned and operated by Hora Education & Services Pvt Ltd (Company), a company incorporated under the Companies Act, 2013, and having its registered office at G-92, Basement, Kalkaji, New Delhi- 110019.

BY CLICKING THE "I AGREE" BUTTON AT THE BOTTOM OF THIS DOCUMENT, YOU UNDERSTAND, ACKNOWLEDGE, AGREE AND ACCEPT ALL THE TERMS AND CONDITIONS UNDER THIS TERMS OF USE (AS AMENDED FROM TIME TO TIME), SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING . IF YOU DO NOT AGREE TO THE TERMS OF USE, PLEASE DO NOT USE THE APP.
The Terms of Use and any documents incorporated in these Terms of Use may be revised, modified, or replaced in their entirety, by the Company, at its sole discretion, from time to time. We will provide you a notification about any updates to these Terms of Use and Your continued use of the App following the posting of any changes to the Terms of Use will mean that you accept and agree to such changes. Subject to your compliance with the Terms of Use, we grant you a personal, non-exclusive, non-transferable, limited privilege to enter and use the App.
The terms "you" and "your" hereunder refer to the User.

The terms "we", "us", and "our" refer to the Company.

Should you have any clarifications regarding the Terms of Use, please contact us at userpolicy@hora.ai

ACCOUNT AND ELIGIBILITY

By accepting these Terms of Use, you represent and warrant that you are at least 18 years of age and have the right, authority, and legal capacity to accept these Terms of Use. If, at any time, the Company is of the opinion that you do not satisfy the eligibility criteria, or that you have made any misrepresentation about your eligibility, it retains the right to disable your access to the App immediately and our partner non-banking financial companies would handle any loans already entered into in accordance with their policies in relation to the same.

Your mobile phone number and/or e-mail address is treated as your primary identifier on the App. It is your responsibility to ensure that your mobile phone number and your email address is up to date on the App at all times. You agree to notify us promptly if your mobile phone number or e-mail address changes by updating the same on the Profile section of the Android app [through a one time password verification].

You agree that the Company shall not be liable or responsible for the activities or consequences of use or misuse of any information that occurs under your display name in cases where you have failed to update your revised mobile phone number and/or e-mail address on the App.

Please note that there could be risks in dealing with underage persons or people acting under false pretence. Please immediately cease the use of this App if you under the age of 18. We take no responsibility for you continuing to use our App if you are under the age of 18.

COMMUNICATIONS

When you use the App or send e-mails or other data, information or communication to us, you agree and understand that you are communicating with us through electronic records and you consent to receive communications via electronic records from us periodically and as and when required. We or our affiliates, consultants and advisors may communicate with you by mobile notification, email, phone or by such other mode of communication, electronic or otherwise. If, at any time, the Company is unable to contact you for a period of 1 month, it retains the right to assume you are an inactive user and disable your access to the App immediately.

If you have registered your phone number on the ‘Do Not Disturb’ registers you should take necessary steps to enable us or our affiliates, consultants and advisors to contact you by phone, SMS or by such other mode of communication. You should take necessary steps to ensure that no such communication is registered as a compliant with the relevant authorities for the same. You can write to us at userpolicy@hora.ai to unsubscribe from receiving certain data or communication.

APP SERVICES

The App allows Users who meet certain eligibility criteria that are set out below to apply for and avail loans from our partner NBFCs, to repay these loans and to monitor their loan accounts for the loans availed through the App from these NBFCs.

The Company will assist its partner NBFC in processing loan applications made through the App with the help of affiliates, which include third party vendors such as credit information companies, and companies carrying out KYC verification and financial statement analysis. If you provide Aadhaar as the identity proof for KYC, we may receive your Offline Know Your Customer (OKYC) XML on your behalf. Further, you permit us to send the OKYC XML to our partner NBFC as your proof of possession of Aadhaar number.

Users will be required to repay the loan in the form of monthly instalments, or as mentioned in the agreement with the partner NBFC. In order to process the loan application on behalf of the partner NBFC, the Company will require User details, including their name, age, occupation, income, photograph and purpose of the loan. For this purpose, the Company may also require additional information from the Users including their bank statements, and identity and address proof of the User to carry out customer verification and to assist its vendors in determining credit rating. More details regarding the collection and processing of this information are provided in the Privacy Policy (see Clause 6 below).

In order for you to be able to use the App and our services you will need to meet certain eligibility criteria. In this regard, please note that you agree and acknowledge that we will act on your behalf to enable you to provide your credit information to our partner NBFC and you may have to sign additional documentation recording the same. The User must answer all questions raised on the App or otherwise by the Company in relation to the loan in an honest manner. Further, the User will need to apply from her own primary device and applying from another device would amount to a violation of these Terms of Use.

The Company may upon its sole discretion choose to not forward the application to our partner NBFC for processing. The Company shall have the right but not the obligation to provide the reason for its decision to the User. Our partner NBFCs may assess the loan application and upon their sole discretion choose to not grant or disburse a loan to the User. The partner NBFC shall have the right but not the obligation to provide the reason for its decision to the User.

You acknowledge and agree that a variety of third party vendors are involved in the carrying out of a number of functions in relation to the processing of your loan application, the verification of your identity, the assessment of your credit rating and the payment and repayment functions and that you may have to sign up to separate contractual terms with these vendors, and that these vendors will remain, to the extent legally permissible, liable to you for their activities and services. You may read the T&Cs of the third parties here, and you may have to sign up to some of these terms and conditions:

Equifax, Perfios, Karza, Apollo Finvest, Crif and Cashfree

The App also allows Users who meet eligibility requirements to play quizzes, avail offers and take surveys or register for our user panel (Panel). Panel members may be eligible to play quizzes and participate in surveys on the App. Panel members may be awarded Flo Coins for participation in services that we may make available from time to time. These Flo Coins may be redeemed as cash in the manner provided in these Terms of Use.

Please refer to our Flo Coins Policy in Clause 14 of this Terms of Use to better understand how they work.

In the event of your noncompliance, fraud or other inappropriate activity, we may cancel or invalidate your eligibility, accounts, registrations and Flo Coins, deny redemption of Flo Coins, or restrict, block, limit, and prevent your access to and use of the App and, further, all Flo Coins shall be subject to forfeiture/withdrawal. Without limiting the generality of the other provisions of the Terms of Use, the following requirements apply to your use of the App:

Access to surveys. You may receive invitations to complete surveys frequently up to the quotas set by the Company or you may receive no invitations at all. After completing a given survey, you may experience a gap of some number of days before another survey invitation is offered. While every attempt is made to send you invitations frequently up to the desired frequency, due to various factors, you may not receive as many invitations to participate in surveys as you would like. Note that the Company is under no obligation to offer any specific or minimum number of survey invitations whatsoever.
Non-Use and Nondisclosure. Information and content made available to you via the App may contain trade secrets or other confidential or proprietary information of our suppliers or licensors. You must hold in strict confidence and not disclose to any other person any information and content that you access or learn in connection with your participation in any survey, project, questionnaire, or other market research activity related to the App. You must not use any such information or content for any purpose other than your use of the App in accordance with the Terms of Use. You hereby agree to notify us immediately if you learn of or suspect any use or disclosure of, or access to, any such information or content other than as specifically authorized in the Terms of Use.

Registration Information. You agree to (a) provide true, accurate, current and complete information about you as may be prompted by any registration forms on the App; (b) maintain the security of your password and login credentials; and (c) maintain and promptly update your registration and KYC information and any other information you provide to us, so as to keep it true, accurate, current and complete. Registration requires information that includes without limitation your full legal name, your date of birth, the address of your primary residence, your phone number and your functioning email address.

You agree that if you provide any information that is untrue, inaccurate, not current or incomplete, including without limitation, quiz and survey responses that are inconsistent with prior responses or statistically improbable or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with these Terms of Use, we shall have the right to indefinitely suspend or terminate or block access of your membership on the App. You can access and update much of the information you provided us with in the Profile tab of the App
The Company reserves the right to refuse access to the App, terminate accounts, remove or edit content at any time without notice to you, and our partner NBFC would handle any loans already entered into in accordance with their policies in relation to the same.

Multiple Accounts. You may have only one active account at any time. Only one account per individual and per mailing address is allowed. Multiple accounts for any person or mailing address are subject to termination.

Appropriate Communications. If you communicate with any of our personnel (Personnel), you agree to do so in a respectful and appropriate manner. You shall not send, upload, share or otherwise distribute to Personnel, Personnel affiliates or other users of the App any rude or offensive communications or any content that is obscene, vulgar, sexually-oriented, shock-oriented, threatening, hateful, illegal or otherwise inappropriate.
Payments. If your loan application is approved, you will be required to repay the loan in the form of [monthly] instalments to our partner NBFC. In order to enable you to pay these [monthly] instalments in a timely manner, we require you to enable the auto-debit feature from your payment instruments on the App.

CHARGES

The Company does not charge any fee for browsing and using the App. The Company reserves the right to change its fee policy from time to time. In particular, the Company may, at its sole discretion, introduce new services and modify some or all of the existing services offered on the App. In such an event the Company reserves the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to our fees policy shall be posted on the App and such changes shall automatically become effective immediately after they are posted on the App. You shall be solely responsible for compliance of applicable law, in India or otherwise.

USER CONTENT

We do not presently permit Users to host, upload, publish, transmit or share content on the App. However, we may permit this in the future subject to the terms set out in these Terms of Use.
You shall be responsible for any notes, messages, reviews, emails, billboard postings, photos, drawings, profiles, opinions, ideas, images, videos, audio files or other materials or information posted or transmitted by you, or on your behalf, to the App (collectively, User Content).
It is possible that other Users (including unauthorized users or "hackers") may post or transmit offensive or obscene materials on the App and that you may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about you due to your use of the App, and that the recipient may use such information to harass or injure you. We do not approve of such unauthorized uses, but by using the App, you acknowledge and agree that we are not responsible for the use of any personal information that you publicly disclose or share with others on the App. Please carefully select the type of information that you publicly disclose or share with others on the App.
Please be advised that any User Content posted does not reflect the Company’s views. In no event shall the Company assume or have any responsibility or liability for any User Content posted or for any claims, damages or losses resulting from use of User Content and/or appearance of User Content on the App.
You hereby represent and warrant that all the intellectual property contained in the User Content solely belongs to you or you have all necessary rights, licenses and permissions (i) in and to all User Content which you provide and all information it contains, and (ii) for the use of the App and that are needed to comply with these Terms of Use, and that such User Content shall not infringe any proprietary, intellectual or other rights of third parties or contain any libellous, tortious, or otherwise unlawful information.
Except as expressly provided in these Terms of Use, no part of the App and no User Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including "mirroring") to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without the Company's express prior written consent.

You may use information on the products and services purposely made available on the App for downloading, provided that you (i) do not remove any proprietary notice language in all copies of such documents, (ii) use such information only for your personal, non-commercial informational purpose and do not copy or post such information on any networked computer or broadcast it in any media, (iii) make no modifications to any such information, and (iv) do not make any additional representations or warranties relating to such documents.
We reserve the right, but have no obligation, to monitor the materials posted on the App, and remove any User Content that in its sole discretion violates, or is alleged to violate, any applicable law or either the spirit or letter of these Terms of Use. Notwithstanding this right, YOU REMAIN SOLELY RESPONSIBLE FOR THE CONTENT OF THE MATERIALS YOU POST ON THE APP AND IN YOUR PRIVATE MESSAGES. THE COMPANY SHALL NOT, UNDER ANY CIRCUMSTANCE, BE RESPONSIBLE FOR THE ACCURACY, COMPLETENESS, APPROPRIATENESS, OR LEGALITY OF THE USER CONTENT OR ANY OTHER INFORMATION YOU MAY BE ABLE TO ACCESS WHILE USING THE APP.

The Company shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of people, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).

PRIVACY

We view protection of your privacy as a very important principle. We understand clearly that your personal information is very important to you. We store and process your information including any sensitive financial information collected, if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with applicable law, including the Information Technology Act 2000 and rules there under and our Privacy Policy . If you object to your information being transferred or used in this way, please do not use App.

We and our affiliates will share / sell / transfer / license / covey some or all of your personal information with another business entity should we (or our assets) plan to merge with or are acquired by that business entity, or re-organization, amalgamation, restructuring of business or for any other reason whatsoever. Should such a transaction or situation occur, the other business entity or the new combined entity will be required to follow a suitable privacy policy with respect to your personal information. complying at the very least with the requirements under the Information Technology Act, 2000 and rules thereunder. Once you provide your information to us, you provide such information to us and our affiliate and we and our affiliate may use such information to provide you various services with respect to your transaction, whether such transaction are conducted on the App or with a third-party merchants or on such third-party merchant's website.

USER OBLIGATIONS AND RESPONSIBILITIES

You agree that while using the App, you shall not host, post, upload, display, publish, transmit, update or share any material or information that: (i) belongs to another person and to which you do not have any right to; (ii) is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; (iii) harms minors in any way; (iv) infringes any patent, trademark, copyright or other proprietary rights; (v) violates any law for the time being in force; (vi) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature; (vii) impersonate another person; (viii) contains software viruses worms, trojans, logic bombs, or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of the App or any part thereof, or any computer resource; (ix) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.

Any violation of this clause may lead to the immediate suspension of your account. In the event, the Company receives any complaint that any information stored or used by you amounts to a breach of this clause, the Company will take such steps necessary as required under law to remove or disable access to such information and may disable your access to the App immediately at its sole discretion. You hereby agree to indemnify and hold harmless the Company, its officers, directors and representatives against any claim or loss suffered by the Company as a result of a breach of this Clause.

UNAUTHORIZED ACCESS

Unauthorized use of any part of the App and/or our systems, including, but not limited to, unauthorized entry into and/or any attempted access of any restricted areas of App, misuse or sharing of passwords or any other confidential information, is strictly prohibited.
Each User agrees to not use the App or any part thereof in any manner that could damage, disable, overburden, or impair the App or any part thereof, or any services offered through the App, or any other person’s access, use or enjoyment of the App or any services offered through the App.

Each User agrees to not gain or attempt to gain, unauthorized access to the App or any part thereof, through hacking, password-mining, crawling, “screen-scrape”, “data-scrape”, “data-mine”, or through any other means circumvent the navigational structure or presentation of the App, and/or use any manual or automated means to acquire data and/or information from the App, or engage in any activities that are contrary to the Terms of Use and/or any applicable law.

We reserve the right to suspend or cancel your login credentials, even without receiving such notice, if we suspect that they are being used in an unauthorized or fraudulent manner.

Each User agrees that the Company may, in its sole discretion and to the extent permitted by applicable law, access, read, preserve and disclose their account information, usage history and any information, document or material submitted, or otherwise made available, by such User to the Company, in order to: (i) comply with applicable law, regulations, legal processes, or requests from governmental or other regulatory authorities; (ii) respond to claims that any such information, document or material violates the rights of third parties, including, but not limited to, intellectual property rights or contractual rights; (iii) enforce the Terms of Use and investigate potential violations thereof; (iv) detect, prevent, or otherwise address fraud, security, or technical issues; (v) respond to your requests for any service; or (vi) protect the rights, property, or personal safety of the Company or the other Users.

ACCOUNT SECURITY

The Company does not guarantee or warrant that any User Content that you store or access through the App will not be subject to any inadvertent damage, corruption, loss or removal in accordance with these Terms of Use. You agree that the Company shall not be responsible for such loss, damage, loss or removal and it is your sole responsibility to maintain alternate backups of the User Content. Provided that the Company will ensure the security of any sensitive personal information contained in the User Content in accordance with the Privacy Policy.

If you use the App, you are responsible for maintaining the confidentiality of your username and password. You agree to accept responsibility for all activities and transmissions that occur under your account. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner. The Company will not be liable for any loss or damage arising from your failure to comply with this provision.

DISRUPTION

The Company makes no guarantee as to availability, quality or service levels of the App on a 24x7 basis, or promise uninterrupted access to the App. Disruption of the App may arise due to technical or operational difficulties, and no prior notice of downtime will be given to you in such circumstance. The Company may also suspend the access to the App for specific users permanently or temporarily for any reason whatsoever, including while investigating complaints or alleged violations of these Terms of Use, or disable access to the App for such user.

You acknowledge, agree and accept that you may be required to update your systems, browser/mobile applications periodically in order to avail all the features and upgrades of the App.

OTHER TERMS AND CONDITIONS

You will use the App for lawful purposes only and comply with all applicable laws and regulations while using the App.

You will provide authentic and true information in all instances where any information is requested of you.

If at any time, the information provided by you is found to be false or inaccurate (wholly or partly), the Company shall have the right in its sole discretion disable your access to the App without any prior intimation whatsoever, and without any liability to you.

You acknowledge and agree that the Company has no relationship with you other than to use of the App in accordance with the Terms of Use.

INTELLECTUAL PROPERTY RIGHTS

The software and other technology we use to provide the App, and all material posted or available on, or otherwise accessible through, the App, including notes, messages, reviews, emails, billboard postings, photos, drawings, profiles, opinions, ideas, images, videos, audio files or other materials or information, images, illustrations, audio clips, and video clips contains copyrighted material, trademarks, and other proprietary information owned by the Company, the Users, other persons, or their respective licensors. Except for that information which is in the public domain or for which you have been given permission, you agree not to copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information. Access to or use of the App does not confer and should not be considered as conferring upon anyone any license to the Company’s or any third party’s intellectual property rights. Any use of the App without the permission of the Company is prohibited.

You agree that by accessing and continuing to access or use the App you explicitly give us the permission to use the User Content other than any personal or sensitive personal information (which will continue to be governed by our Privacy Policy), so that we are not violating any rights you might have in the User Content. You agree to grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, fully sub-licensable (through multiple tiers) right to exercise the copyright, publicity, database rights or any other rights you have in the User Content, in any media now known or not currently known, with respect to the User Content.

We shall be entitled to, subject to and consistent with this Terms of Use, and the Privacy Policy, as adopted in accordance with applicable law, use the User Content or any of its elements for any type of use forever, including but not limited to promotional and advertising purposes and in any media whether now known or hereafter devised, including the creation of derivative works that may include the User Content, and you acknowledge, agree and accept that you are not entitled to any acknowledgement, attribution, payment or other compensation for such use of the User Content.

The Company respects the intellectual property of others. Subject to the provisions of this Clause [12] In case you feel that your trademark, copyright, or any other intellectual property has been infringed, you can write to us at userpolicy@hora.ai.

REFERRALS

You can access your referral code in the app and share it with your friends to refer them to the App. For each friend who joins the App using your referral code and obtains a loan through the App, we will transfer the referral amount shown on the App to you

FLO COINS POLICY

We do not currently award Flo Coins to Users. However, we may award these in the future subject to the terms of this Clause 14.

You may be awarded Flo Coins for your participation on the App, through completion of offers, quizzes and surveys. Flo Coins are accumulated in your user account.

Flo Coins expire 90 days from the date of award and, if sooner, upon 1 months of account inactivity. You can convert your Flo Coins to cash at the exchange rate of 100 Flo Coins for INR 1 provided that you complete the necessary offers. Please note that we may change the exchange rate for Flo Coins at any point at our discretion. The Company may, at its sole discretion, reduce the number of Flo Coins that you have on the App, or choose to not honour your request to convert your Hora Coins, either for violation of the various terms of this Terms of Use, or for any other reason.

The pay out of Flo Coins would happen through a direct transfer to your bank account or PayTM wallet that you have registered with us. You are responsible entirely for providing us with accurate information to enable us to make these payments and to undertake all compliances required to ensure that these accounts are capable of receiving this money, including, without limitation, Know Your Customer obligations in relation to these accounts. Please note that any transfers of money into your bank account is done on a purely bank to bank basis and we do not operate a wallet or a payment system.

THIRD PARTY USE AND DISPUTES

We do not guarantee that other Users of the App will comply with these Terms of Use. You hereby assume all risk of any harm or injury which may result to you on account of such non-compliance by third party users. The Company shall not be held responsible for any such harm or injury resulting from third party use. You hereby agree to use the App at your sole risk and judgment and acknowledge that the Company shall not be responsible for any User Content or other content that may be deemed illegal, infringing, offensive, indecent, or objectionable.

The Company does not guarantee the content of any third-party sites that you may access while using the App and does not make any representations regarding the content or accuracy of material on such sites. If you access a link of any third-party website, you hereby acknowledge that you do so entirely at your own risk and expense.

Any dispute between you and any other third party arising out of the use of the App shall not be the responsibility or liability of the Company. The Company shall not be held liable for any negligent conduct or behaviour, whether actions or omissions, of any third party in relation to the use of the App. The Company encourages you to report any complaints about the App by contacting userpolicy@hora.ai, hello@hora.ai, and the Company shall take appropriate action as soon as reasonably possible.

INDEMNITY

You hereby agree to keep and hold the Company, its parents, subsidiaries, affiliates, and their respective directors, officers, employees, consultants and agents, fully indemnified and harmless from and against all claims, proceedings, penalties, damages, losses, actions, costs and expenses arising out of or in relation to the use of the App by you; the infringement of any third-party intellectual property rights, or the breach of these Terms of Use; or violation of any applicable law, rules or regulations or the rights of a third party or any breach of your representations and warranties set forth above and/or any fraudulent act on your part. The Company’s right to be indemnified shall survive the expiry or termination of these Terms of Use.

DISCLAIMER AND LIMITATION OF LIABILITY

THE COMPANY PROVIDES THE APP ON AN "AS IS" BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE APP. THE COMPANY SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. YOU EXPRESSLY AGREE THAT THE USE OF THE APP IS AT YOUR OWN RISK.

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THE USE OF THE APP, OR THE TERMS OF USE, EVEN IF USER HAS BEEN INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

THE COMPANY GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE THIRD PARTY VENDORS THAT ARE INVOLVED IN THE PROCESSING OF THE LOANS INCLUDING THOSE THAT ARE INVOLVED IN THE VERIFICATION OF THE USERS' IDENTITY, THE ASSESSMENT OF THE USERS' CREDIT HISTORY AND THE PAYMENT AND REPAYMENT OF THE LOAN. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR YOUR USE OR NON-USE OF THEIR SERVICES AND ANY DAMAGES THAT MAY ARISE FROM SUCH USE OR NON-USE. THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THE ACTS OR OMISSIONS OF SUCH THIRD PARTIES. YOU EXPRESSLY AGREE THAT THE USE OR NON-USE OF THEIR SERVICES IS AT YOUR OWN RISK.

TERMINATION

Notwithstanding anything contained in the Terms of Use, we reserve the right to discontinue or to terminate your license to use the App, to delete any Panel registrations or other accounts, , and to restrict, block, limit, and prevent your access to and use of the App. All loans already availed will be governed by the policies of the relevant partner NBFC in this regard Any termination or other action by us described herein shall not limit any other remedies available to us at law, equity or otherwise.

Any violation or breach of the Terms of Use may lead to automatic suspension or termination of your account or access to the App by the Company, and the Company shall not be responsible or liable for damages in this regard.

The termination of the Terms of Use will not affect any liability that may have arisen under the Terms of Use prior to the date of termination.

If you do not participate in any survey during a selected extended time period, the Company may elect, in its sole discretion, to terminate your access/account without notice. Other grounds for termination without notice include providing inadequate or untruthful survey responses or if you are not contactable on the phone number listed and you having undeliverable e-mail address or mailboxes that are full after multiple attempts to contact you. You hereby waive and release any and all claims against the Company and its affiliates arising from or related to such membership termination.

GOVERNING LAW AND DISPUTE RESOLUTION

These Terms of Use shall be governed by the laws of India and any disputes or proceedings arising hereunder shall be subject to the exclusive jurisdiction of the courts in New Delhi.

SEVERABILITY

If any provision of the Terms of Use is held to be invalid or unenforceable, then such provision shall (so far as it is invalid or unenforceable) be given no effect and shall be deemed not to be included in the Terms of Use but without invalidating any of the remaining provisions of the Terms of Use.

MISCELLANEOUS

The Terms of Use do not, and shall not be construed to, create any partnership, joint venture, employer-employee or agency relationship between you and the Company.

You may not assign, transfer or sublicense any or all of your rights or obligations under the Terms of Use without our prior written consent. Any such attempted assignment, transfer or sublicense shall be void. We may assign, transfer or sublicense any or all of our rights or obligations under this Terms of Use without restriction. Notwithstanding the preceding sentence, we shall not assign our rights or obligations under the Terms of Use in a manner that is detrimental to you.

Any heading, caption or section title contained herein is inserted only for convenience, and in no way defines or explains any section or provision hereof.

Notices to you may be made via posting to the App, by e-mail, or by regular mail, in our discretion. Without limitation, you agree that a printed version of the Terms of Use and of any notice given hereunder in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Terms of Use to the same extent and subject to the same conditions as other documents and records originally generated and maintained in printed form.

GRIEVANCE OFFICER

If you have any concerns regarding any content that is posted on the App, please contact:

Grievance Officer

Mr Karan Garg userpolicy@hora.ai

Hora Education & Services Pvt Ltd

G-92, Basement, Kalkaji, New Delhi- 110019