Terms & Conditions

Chapter 1 — INTRODUCTION, PURPOSE, PLATFORM IDENTITY & ACCEPTANCE OF TERMS

1.1 Introduction

Welcome to FinDeals, an online Financial Classifieds Platform owned, operated, and managed by SMARTAXIS PRIVATE LIMITED ("Company", "SMARTAXIS", "we", "our", or "us").

These Terms and Conditions ("Terms") constitute a legally binding agreement between SMARTAXIS PRIVATE LIMITED and every individual, business, organization, partnership, company, institution, or other legal entity ("User", "you", or "your") that accesses, browses, registers with, or otherwise uses the FinDeals Platform.

These Terms govern the use of the FinDeals website, mobile applications, Business Dashboard, software, APIs, communication services, premium services, memberships, credits system, customer support services, notifications, chat services, and every present or future feature, functionality, product, or service offered by FinDeals.

By accessing or using any part of the Platform, you acknowledge that you have read, understood, and voluntarily agreed to comply with these Terms and all applicable policies incorporated herein by reference.

If you do not agree with any provision of these Terms, you must immediately discontinue accessing or using the Platform.

1.2 Purpose of these Terms

These Terms are intended to establish a clear legal framework governing the relationship between SMARTAXIS PRIVATE LIMITED and every User of the FinDeals Platform.

The objectives of these Terms include, but are not limited to:

• Defining the legal relationship between the Company and its Users.
• Explaining the nature and scope of the Platform.
• Establishing the rights, responsibilities, and obligations of Users.
• Defining the rights, responsibilities, and powers of the Company.
• Setting standards for acceptable and prohibited use of the Platform.
• Governing memberships, subscriptions, premium services, and credits.
• Promoting transparency, security, and trust among Platform Users.
• Protecting the interests of the Company and its Users.
• Ensuring compliance with applicable laws and regulations.

These Terms are designed to create a safe, transparent, and efficient digital environment for individuals and businesses using the FinDeals Platform.

1.3 About SMARTAXIS PRIVATE LIMITED

SMARTAXIS PRIVATE LIMITED is the owner, developer, operator, administrator, and lawful controller of the FinDeals Platform.

The Company is responsible for designing, developing, maintaining, operating, improving, securing, and administering all services made available through FinDeals.

Unless otherwise expressly stated, all intellectual property rights relating to the Platform, including but not limited to software, source code, databases, algorithms, user interfaces, logos, trademarks, designs, graphics, content, documentation, and technology, are owned by or licensed to SMARTAXIS PRIVATE LIMITED.

The Company reserves the right to introduce, modify, suspend, replace, enhance, discontinue, or remove any feature, functionality, product, or service offered through the Platform at its sole discretion, subject to applicable law.

1.4 About FinDeals

FinDeals is an online Financial Classifieds Platform that enables Users to publish, discover, and respond to financial requirements through a secure digital platform.

The Platform provides technological infrastructure that facilitates communication between Users seeking financial solutions and Users offering lawful financial services or opportunities.

The Platform may support various categories of financial requirements, including but not limited to:

• Personal Finance
• Business Finance
• Property-backed Finance
• Gold-backed Finance
• Vehicle-backed Finance
• Education Finance
• Medical Finance
• Agricultural Finance
• Working Capital
• Machinery Finance
• Equipment Finance
• Insurance-related Requirements
• Investment-related Requirements
• Other lawful financial categories introduced by the Company from time to time.

FinDeals operates solely as a digital technology platform and does not participate in the financial transactions conducted between Users.

1.5 Nature of the Platform

FinDeals is exclusively a Financial Classifieds Platform.

The primary purpose of the Platform is to enable Users to publish financial requirements, search available opportunities, communicate with one another, and independently pursue lawful financial transactions.

The Company does not participate in negotiations, decision-making, financial assessments, documentation, approvals, or execution of financial transactions between Users.

The Platform merely provides technological tools that facilitate communication and information exchange.

1.6 What FinDeals Provides

Subject to these Terms, the Platform may provide one or more of the following services:

• User Registration
• User Authentication
• Financial Requirement Listings
• Search and Discovery Services
• Business Dashboard
• Membership Plans
• Credits System
• Premium Highlight Services
• Contact Unlock Services
• Secure Messaging
• Notifications
• User Profile Management
• Customer Support
• Fraud Reporting Tools
• Safety Alerts
• Business Promotion Features
• Analytics and Insights
• Future digital services introduced by the Company.

The availability of any feature shall remain subject to the Company's sole discretion.

1.7 What FinDeals Does Not Do

For the avoidance of doubt, FinDeals does not perform or undertake any of the following activities:

• Lending money.
• Borrowing money.
• Accepting deposits.
• Approving or rejecting loans.
• Recommending any borrower.
• Recommending any lender.
• Negotiating financial transactions.
• Determining interest rates.
• Collecting repayments.
• Recovering debts.
• Acting as a guarantor.
• Providing escrow services.
• Providing financial advice.
• Providing legal advice.
• Providing tax advice.
• Providing investment advice.
• Verifying every User.
• Verifying every listing.
• Verifying every document uploaded by Users.
• Guaranteeing repayment.
• Guaranteeing loan approval.
• Guaranteeing funding.
• Guaranteeing business opportunities.
• Guaranteeing transaction completion.
• Guaranteeing the authenticity of information published by Users.
• All financial decisions are made solely by the respective Users at their own discretion and risk.

1.8 Platform Identity

FinDeals is a technology platform designed to facilitate the publication and discovery of financial requirements.

The Platform is neither a financial institution nor a regulated lending entity unless expressly authorized under applicable law for a specific service.

Users acknowledge that the Platform functions solely as an intermediary technology platform for publishing information and enabling communication between Users.

1.9 Acceptance of Terms

By accessing, browsing, registering with, or otherwise using the Platform, each User expressly confirms that:

The User has read these Terms in their entirety.

The User understands these Terms.

The User voluntarily accepts these Terms.

The User agrees to comply with these Terms.

The User agrees to comply with all applicable laws.

The User possesses the legal capacity required to enter into a binding agreement.

The User acknowledges that continued use of the Platform constitutes ongoing acceptance of these Terms.

If a User does not agree with these Terms, the User must immediately discontinue use of the Platform.

1.10 Electronic Acceptance

The User acknowledges and agrees that acceptance of these Terms may be provided electronically through any legally recognized electronic method, including but not limited to:

• Clicking an "I Agree," "Accept," "Continue," "Register," "Submit," "Proceed," or similar button.
• Creating a User account.
• Completing the registration process.
• Verifying a mobile number through One-Time Password (OTP).
• Logging into the Platform.
• Posting a Financial Requirement.
• Purchasing a Membership.
• Purchasing Credits.
• Using the Business Dashboard.
• Unlocking contact information.
• Sending or receiving messages through the Platform.
• Accessing any feature or service offered by FinDeals.

Such electronic acceptance shall constitute a valid and legally binding agreement between the User and SMARTAXIS PRIVATE LIMITED and shall have the same legal effect as a handwritten signature, to the extent permitted under applicable law.

1.11 Continuing Acceptance

The User acknowledges that acceptance of these Terms is not limited to the initial registration.

Each time the User accesses or uses the Platform, the User reaffirms acceptance of the latest version of these Terms and all related policies published by the Company.

Continued use of the Platform after any modification to these Terms shall constitute acceptance of the revised Terms.

If the User disagrees with any revised Terms, the User must immediately discontinue use of the Platform.

1.12 Modifications to these Terms

The Company reserves the right to modify, amend, update, replace, or discontinue any part of these Terms at any time.

Modifications may become effective immediately upon publication on the Platform unless a different effective date is expressly stated.

Where required by applicable law or where considered appropriate by the Company, Users may be notified of significant changes through one or more of the following methods:

• Website notifications
• Mobile application notifications
• Email
• SMS
• WhatsApp
• Push notifications
• User Dashboard notifications
• Other electronic communication channels

The User is responsible for reviewing these Terms periodically.

Failure to review updated Terms shall not relieve the User of any obligations arising from such modifications.

1.13 Reservation of Rights

SMARTAXIS PRIVATE LIMITED expressly reserves all rights not expressly granted under these Terms.

Without limitation, the Company reserves the right to:

• Develop new services.
• Introduce new memberships.
• Modify Platform functionality.
• Restrict access to specific services.
• Suspend or discontinue features.
• Introduce eligibility criteria.
• Introduce verification requirements.
• Modify pricing.
• Modify Credits.
• Modify Membership Plans.
• Modify Premium Services.
• Improve security mechanisms.
• Introduce artificial intelligence features.
• Introduce automation tools.
• Introduce compliance requirements.
• Take actions necessary to protect the Platform, Users, and legitimate business interests.

Nothing contained in these Terms shall be interpreted as limiting the Company's lawful authority to manage, improve, or protect the Platform.

1.14 User Acknowledgements

By using FinDeals, every User acknowledges and agrees that:

The User has independently decided to use the Platform.

The User understands the purpose and nature of the Platform.

The User is solely responsible for all activities performed through the User's account.

The User understands that FinDeals is a technology platform and not a financial institution.

The User will independently verify all information before entering into any financial transaction.

The User assumes full responsibility for financial decisions made through interactions initiated on the Platform.

The User understands that financial transactions involve inherent risks.

The User agrees to exercise reasonable caution and due diligence before sharing confidential information or entering into any agreement with another User.

1.15 No Waiver

Failure or delay by SMARTAXIS PRIVATE LIMITED to exercise any right, remedy, or legal option available under these Terms shall not constitute a waiver of that right.

Any waiver shall be effective only if made in writing by an authorized representative of the Company.

• A waiver relating to one matter shall not constitute a waiver of any future or unrelated matter.

1.16 Severability

If any provision of these Terms is determined by a court or other competent authority to be unlawful, invalid, unenforceable, or void, such provision shall be interpreted or modified to the minimum extent necessary to make it enforceable.

If modification is not possible, the affected provision shall be deemed severed from these Terms without affecting the validity, legality, or enforceability of the remaining provisions.

The remaining provisions shall continue in full force and effect.

1.17 Entire Agreement

These Terms, together with the Privacy Policy, Refund Policy, Community Guidelines, Membership Terms, Credits Policy, and all other policies published by the Company, constitute the complete legal agreement between the User and SMARTAXIS PRIVATE LIMITED regarding the use of the Platform.

These Terms supersede all previous communications, understandings, proposals, representations, and agreements relating to the Platform unless expressly stated otherwise.

1.18 Language

These Terms are prepared in the English language.

Translations may be provided solely for convenience.

In the event of any inconsistency, ambiguity, conflict, or difference between the English version and any translated version, the English version shall prevail to the fullest extent permitted by applicable law.

1.19 Contact Information

Users may contact the Company regarding these Terms through the official communication channels published on the FinDeals Platform.

The Company may update its contact details from time to time without affecting the validity of these Terms.

1.20 Chapter Summary

This Chapter establishes the legal foundation governing the relationship between SMARTAXIS PRIVATE LIMITED and every User of the FinDeals Platform. It defines the identity and purpose of the Platform, explains the nature of the services offered, clarifies what the Platform does and does not do, outlines how Users accept these Terms, and sets forth the general principles that govern all subsequent chapters.

All subsequent provisions of these Terms shall be read and interpreted in conjunction with this Chapter.

Chapter 2 — DEFINITIONS & INTERPRETATION

2.1 Purpose

The purpose of this Chapter is to establish the official meanings of defined terms used throughout these Terms and Conditions.

Unless the context expressly requires otherwise, every defined term appearing in these Terms shall carry the meaning assigned in this Chapter.

These definitions are intended to promote consistency, eliminate ambiguity, and ensure uniform interpretation of all legal documents published by SMARTAXIS PRIVATE LIMITED in relation to the FinDeals Platform.

2.2 Interpretation Principles

Unless the context otherwise requires:

a. Words importing the singular shall include the plural, and vice versa.

b. Words importing one gender shall include every gender.

c. References to a person include an individual, partnership, company, corporation, trust, association, government authority, legal entity, or any other recognized organization.

d. References to "including" or "includes" shall mean "including without limitation."

e. Headings are provided for convenience only and shall not affect interpretation.

f. References to laws include amendments, replacements, re-enactments, and subordinate legislation.

g. References to writing include electronic communications unless prohibited by applicable law.

2.3 Definitions

For the purposes of these Terms, the following words and expressions shall have the meanings assigned below.

2.3.1 Account

"Account" means a registered User account created on the FinDeals Platform that enables a User to access one or more Platform Services.

2.3.2 Agreement

"Agreement" means these Terms and Conditions together with all policies, guidelines, notices, and legal documents published by SMARTAXIS PRIVATE LIMITED that govern the use of the Platform.

2.3.3 Applicable Law

"Applicable Law" means every law, statute, ordinance, rule, regulation, notification, circular, guideline, judicial decision, governmental order, or regulatory requirement applicable within the relevant jurisdiction.

2.3.4 Business Dashboard

"Business Dashboard" means the dedicated digital interface provided by FinDeals through which Business Members may manage listings, memberships, credits, notifications, inquiries, analytics, and other business-related services made available by the Company.

2.3.5 Business Member

"Business Member" means any individual, firm, partnership, company, financial service provider, institution, organization, or other entity registered with FinDeals for business purposes and authorized to access Business Services offered by the Platform.

2.3.6 Company

"Company" means SMARTAXIS PRIVATE LIMITED, its successors, assigns, subsidiaries, affiliates, authorized representatives, employees, officers, directors, contractors, and agents, where the context so requires.

2.3.7 Contact Unlock

"Contact Unlock" means a Platform feature that allows eligible Users to access contact information of another User in accordance with applicable Platform policies, memberships, credits, permissions, and eligibility criteria.

• Availability of this feature shall remain entirely at the discretion of the Company.

2.3.8 Content

"Content" includes all information, text, images, photographs, videos, audio, documents, graphics, logos, trademarks, advertisements, comments, messages, reviews, ratings, listings, data, software, code, designs, and every other form of digital material made available through the Platform.

2.3.9 Credits

"Credits" means digital units issued by the Company that may be used to access specified Platform features, premium services, contact unlock functionality, promotional services, or other eligible services identified by the Company.

Credits do not constitute currency, legal tender, electronic money, prepaid payment instruments, securities, investments, or property rights.

2.3.10 Financial Requirement

"Financial Requirement" means any lawful requirement, request, need, or opportunity relating to finance, funding, lending, borrowing, investment, insurance, secured finance, unsecured finance, business finance, personal finance, agricultural finance, education finance, medical finance, or any other financial category permitted by the Company.

2.3.11 Listing

"Listing" means any Financial Requirement, advertisement, profile, announcement, promotional content, business information, or other information published by a User through the Platform.

2.3.12 Membership

"Membership" means any paid or free subscription plan offered by the Company that grants access to specific Platform features, services, or benefits subject to eligibility requirements and applicable policies.

2.3.13 Platform

"Platform" means the FinDeals website, mobile applications, Business Dashboard, APIs, software, databases, communication systems, digital infrastructure, and every present or future digital service owned or operated by SMARTAXIS PRIVATE LIMITED under the FinDeals brand.

2.3.14 Premium Highlight

"Premium Highlight" means a paid promotional feature that increases the visibility of eligible Listings within the Platform for a specified duration, subject to the Company's policies.

The purchase of Premium Highlight does not guarantee leads, inquiries, business opportunities, funding, or financial transactions.

2.3.15 Services

"Services" means every digital service, feature, functionality, tool, membership, subscription, communication facility, premium service, or future offering provided by the Company through the Platform.

2.3.16 User

"User" means any individual or legal entity that accesses, browses, registers with, or otherwise uses the Platform, whether as a guest, registered member, Business Member, subscriber, advertiser, or any other category recognized by the Company.

2.3.17 User Content

"User Content" means any information, documents, listings, photographs, videos, messages, reviews, comments, advertisements, financial requirements, or other material uploaded, published, transmitted, or shared by a User through the Platform.

The User remains solely responsible for all User Content submitted to the Platform.

2.3.18 Verification

"Verification" means any identity verification, document verification, business verification, mobile verification, email verification, or other verification process that may be conducted by the Company.

Verification, where provided, shall not constitute a guarantee of authenticity, financial capability, creditworthiness, legality, reliability, or future conduct of any User.

2.3.19 Website

"Website" means the official FinDeals website and any associated domains, subdomains, landing pages, or web portals operated by SMARTAXIS PRIVATE LIMITED.

2.3.20 Working Day

"Working Day" means any day on which commercial banks are generally open for business in India, excluding Sundays and officially declared public holidays unless otherwise specified.

2.4 Undefined Terms

Any capitalized word or expression not expressly defined in these Terms shall be interpreted according to its ordinary legal meaning, the context in which it appears, applicable law, industry practice, and the objectives of these Terms.

The Company may define additional terms through future policies, feature-specific agreements, or legal notices.

2.5 Interpretation in Case of Conflict

Where any conflict exists between a definition contained in this Chapter and a definition contained in a specific policy governing a particular Platform feature, the definition contained in the feature-specific policy shall prevail only for that feature.

In all other circumstances, the definitions contained in this Chapter shall govern.

2.6 Chapter Summary

This Chapter establishes the official legal definitions and interpretation principles applicable throughout these Terms and Conditions. These definitions provide a consistent legal framework for understanding the rights, obligations, services, and features described in all subsequent chapters.

Chapter 3 — ELIGIBILITY, LEGAL CAPACITY & USER RESPONSIBILITIES

3.1 Purpose

The purpose of this Chapter is to establish the eligibility criteria for accessing and using the FinDeals Platform, define the legal capacity required to enter into this Agreement, and specify the fundamental responsibilities applicable to every User.

Access to the Platform is a privilege granted by SMARTAXIS PRIVATE LIMITED and is subject to continuous compliance with these Terms, applicable laws, and all policies published by the Company.

3.2 Eligibility to Use the Platform

Only persons who satisfy all eligibility requirements prescribed under these Terms and applicable law may access or use the Platform.

A User must:

• Be legally competent to enter into a binding agreement.
• Provide accurate and complete registration information.
• Comply with all applicable laws and regulations.
• Use the Platform solely for lawful purposes.
• Accept these Terms without limitation or modification.

The Company reserves the right to determine eligibility at its sole discretion.

3.3 Age Requirement

The Platform is intended solely for individuals who have attained the age of majority as prescribed under applicable law.

Persons who have not attained the legal age to enter into a binding contract shall not register or independently use the Platform.

Where permitted by law, a minor may access the Platform only through a parent, legal guardian, or other legally authorized representative who accepts full responsibility for such access.

The Company reserves the right to request age verification at any time.

3.4 Legal Capacity

Every User represents and warrants that:

• They possess the legal capacity to enter into legally binding agreements.
• They are not prohibited by law from using the Platform.

They have not been declared insolvent, disqualified, or otherwise legally restricted from entering into contracts, unless expressly permitted under applicable law.

They have the authority to perform all obligations arising from these Terms.

Any registration or transaction made by a person lacking legal capacity may be suspended, cancelled, or terminated without notice.

3.5 Business Users

Where a User accesses the Platform on behalf of a company, partnership, firm, financial institution, trust, society, government body, or other legal entity, such User represents and warrants that:

• They possess valid authority to act on behalf of that entity.
• They are authorized to bind the entity to these Terms.
• All actions performed through the account are legally authorized.

The entity shall remain responsible for all activities carried out through the account.

The Company may request documentary evidence of such authority at any time.

3.6 Compliance with Applicable Laws

Every User shall comply with all applicable laws, regulations, governmental directions, judicial orders, and regulatory requirements while accessing or using the Platform.

Users shall not use the Platform in any manner that:

• Violates any applicable law.
• Encourages unlawful conduct.
• Facilitates financial fraud.
• Promotes money laundering.
• Supports terrorist financing.
• Facilitates tax evasion.
• Infringes intellectual property rights.
• Violates privacy rights.
• Circumvents legal or regulatory requirements.
• Compliance with applicable law remains the sole responsibility of each User.

3.7 Accurate Information

Users shall provide information that is:

• Accurate.
• Complete.
• Current.
• Truthful.
• Lawfully obtained.

Users shall promptly update any information that becomes inaccurate or outdated.

Submission of false, misleading, incomplete, or fraudulent information may result in suspension, restriction, termination, legal action, or reporting to competent authorities.

3.8 User Representations and Warranties

By using the Platform, each User represents and warrants that:

• All information submitted is true and correct.
• They own or have lawful authority to use all submitted information.
• They will not impersonate another person or entity.
• They will not create misleading accounts.
• They will not engage in fraudulent conduct.
• They will not misuse Platform Services.
• They will comply with these Terms at all times.
• These representations shall remain valid throughout the period of Platform usage.

3.9 Responsibility for Account Activities

The User shall remain solely responsible for every activity performed through the User's Account, whether authorized or unauthorized, unless otherwise required by applicable law.

This responsibility includes, without limitation:

• Listings published.
• Messages sent.
• Contact information unlocked.
• Credits used.
• Membership purchases.
• Payments made.
• Profile updates.
• Uploaded documents.
• Business information.
• Any other activity performed through the Account.

3.10 Responsibility for Financial Decisions

The User acknowledges that every financial decision made through interactions initiated on the Platform is solely the User's independent decision.

The Company does not influence, recommend, endorse, or participate in any financial decision made between Users.

Users shall independently evaluate:

• Financial proposals.
• Risks.
• Documentation.
• Creditworthiness.
• Security offered.
• Legal compliance.
• Commercial viability.

The Company accepts no responsibility for decisions made by Users.

3.11 Independent Verification

Users shall independently verify all relevant information before entering into any financial transaction.

Such verification may include, where appropriate:

• Identity verification.
• Business verification.
• Property verification.
• Asset ownership.
• Legal documentation.
• Regulatory registrations.
• Licenses.
• Creditworthiness.
• Financial capability.
• Other relevant due diligence.

The Company does not undertake this responsibility on behalf of Users unless expressly stated for a specific service.

3.12 Cooperation with the Company

Users shall cooperate with SMARTAXIS PRIVATE LIMITED whenever reasonably required for:

• Identity verification.
• Fraud investigations.
• Regulatory compliance.
• Customer support.
• Account recovery.
• Platform security.
• Dispute resolution.
• Legal proceedings.
• Policy enforcement.
• Failure to cooperate may result in suspension or termination of Platform access.

3.13 Reporting Violations

Users are encouraged to promptly report any suspected:

• Fraud.
• Identity theft.
• Fake listings.
• Fake documents.
• Scam attempts.
• Unauthorized access.
• Illegal activity.
• Abuse of Platform Services.
• Cybersecurity incidents.
• Policy violations.
• Reports should be made through the official reporting channels provided by the Company.

The Company may investigate such reports at its sole discretion.

3.14 Continuous Eligibility

Eligibility to use the Platform is not permanent.

The Company may periodically review a User's eligibility based on:

• Compliance history.
• Verification status.
• Policy violations.
• Regulatory requirements.
• Security concerns.
• Fraud indicators.
• Complaints received.
• Other legitimate business considerations.

Users who no longer satisfy eligibility requirements may have their access restricted, suspended, or terminated.

3.15 Company's Right to Refuse Service

SMARTAXIS PRIVATE LIMITED reserves the absolute right, subject to applicable law, to refuse registration, deny access, suspend services, or terminate any Account where the Company reasonably believes that:

The User does not satisfy eligibility requirements.

The User has provided false information.

Continued access may expose the Platform or its Users to legal, financial, operational, or reputational risk.

The User has violated these Terms or applicable law.

The Company shall not be obligated to provide detailed reasons where disclosure could compromise security, legal compliance, investigations, or the rights of other Users.

3.16 Chapter Summary

This Chapter establishes who is eligible to use the FinDeals Platform, the legal capacity required to enter into this Agreement, and the ongoing responsibilities that every User assumes. It emphasizes that Users are responsible for complying with applicable laws, providing accurate information, independently verifying financial matters, and using the Platform honestly and lawfully. Eligibility is a continuing requirement, and the Company reserves the right to restrict or terminate access where these standards are not met.

Chapter 4 — REGISTRATION, ACCOUNT CREATION & AUTHENTICATION

4.1 Purpose

The purpose of this Chapter is to establish the rules governing User registration, Account creation, authentication, ownership, maintenance, and security.

Registration with FinDeals creates a contractual relationship between the User and SMARTAXIS PRIVATE LIMITED and enables access to eligible Platform Services, subject to these Terms.

Registration does not create any employment, partnership, agency, joint venture, franchise, lender-borrower, broker-client, or fiduciary relationship between the User and the Company.

4.2 Registration Requirement

• Certain features of the Platform may be accessible without registration.

However, registration may be mandatory to access one or more of the following services:

• Publish Financial Requirements
• Contact Unlock
• Business Dashboard
• Membership Plans
• Credits
• Premium Highlight
• Chat Services
• Saved Listings
• Notifications
• Customer Support
• Other restricted Platform features

The Company may modify registration requirements at any time.

4.3 Registration Information

During registration, the Company may require the User to provide information including, but not limited to:

• Full Name
• Mobile Number
• Email Address
• State
• District
• City or Town
• Business Name (where applicable)
• Organization Name (where applicable)
• Category of Services
• Business Type
• GST Number (where applicable)
• Profile Photograph (optional or mandatory as notified)
• Other information reasonably required by the Company.

The Company reserves the right to revise registration requirements from time to time.

4.4 Accuracy of Registration Information

The User represents and warrants that all registration information submitted to the Company is:

• True
• Accurate
• Complete
• Current
• Not misleading
• Lawfully provided

The User shall promptly update any information that becomes inaccurate or outdated.

Providing false or misleading information constitutes a material breach of these Terms.

4.5 Mobile Number Verification

Registration may require verification of the User's mobile number through a One-Time Password (OTP) or any other authentication method approved by the Company.

A successfully verified mobile number may serve as the primary identifier for the User's Account.

Verification of a mobile number confirms only that the User has access to the submitted mobile number at the time of verification. It does not constitute verification of the User's identity, legal status, business credentials, financial standing, or ownership of any assets.

4.6 Email Verification

The Company may require verification of the User's email address.

An unverified email address may limit access to certain Platform features.

Users are responsible for maintaining a valid and accessible email address associated with their Account.

4.7 Creation of Account

Upon successful completion of the registration process and any required verification, the Company may create a User Account.

The Company reserves the right to reject, suspend, or defer Account creation where:

• Registration information is incomplete.
• Information appears inaccurate or misleading.
• Fraud indicators are detected.
• Technical issues occur.
• Regulatory requirements are not satisfied.
• Security concerns exist.
• Duplicate registrations are identified.
• Any other legitimate reason exists.
• Registration does not guarantee acceptance by the Company.

4.8 Account Ownership

Each Account is personal to the registered User or the authorized legal entity in whose name the Account is created.

Accounts shall not be:

• Sold
• Assigned
• Leased
• Shared
• Licensed
• Transferred
• Gifted
• Rented
• Used by unauthorized persons
• without prior written approval from the Company.

The Company reserves the right to suspend or terminate Accounts found to be transferred or shared in violation of these Terms.

4.9 One Account Policy

Unless expressly permitted by the Company, a User shall maintain only one personal Account.

Where multiple Accounts are created for fraudulent purposes, abuse of promotional offers, circumvention of Platform restrictions, manipulation of search rankings, or other prohibited activities, the Company may:

• Merge Accounts.
• Restrict Platform access.
• Suspend Accounts.
• Terminate Accounts.
• Cancel Memberships.
• Forfeit Credits.
• Remove Listings.
• Take any other action permitted by these Terms.
• Business entities may maintain additional Accounts only where expressly authorized by the Company.

4.10 Authentication

The Company may authenticate Users using one or more authentication methods, including:

• Mobile OTP
• Email Verification
• Password
• Device Authentication
• Biometric Authentication (where supported)
• Multi-Factor Authentication (MFA)
• Government-issued identity verification (where applicable)
• Business verification
• Any future authentication technology introduced by the Company

The Company may require additional authentication whenever considered necessary for security or regulatory purposes.

4.11 User Credentials

The User shall maintain the confidentiality of all login credentials, including:

• Passwords
• OTPs
• Authentication Codes
• Recovery Codes
• Security Questions
• Authentication Devices

The User shall not disclose such credentials to any third party.

The Company shall never request a User's password through unsolicited communications.

4.12 Unauthorized Access

If a User becomes aware of:

• Unauthorized login
• Suspicious activity
• Credential compromise
• Device theft
• Account misuse
• OTP misuse
• Identity theft
• Security breach

the User shall immediately notify the Company through the official support channels.

Failure to promptly report unauthorized access may increase the User's risk of loss and may affect the Company's ability to investigate or mitigate the incident.

4.13 Account Recovery

Where access to an Account is lost, the Company may provide an Account recovery process subject to verification of ownership.

The Company reserves the right to request additional information or documentation before restoring access to an Account.

Recovery requests may be refused where ownership cannot be reasonably established or where restoration may compromise security, legal compliance, or the rights of another User.

4.14 Company Verification Rights

The Company may, at any time and without prior notice where permitted by law, request additional information or documents for the purpose of:

• Identity verification
• Business verification
• Fraud prevention
• Regulatory compliance
• Security enhancement
• Risk assessment
• Complaint investigation
• Dispute resolution

Failure to provide requested information within a reasonable period may result in temporary restriction or suspension of the Account.

4.15 No Ownership of Platform

Registration or creation of an Account does not confer upon the User any ownership, intellectual property rights, partnership interest, or proprietary claim in relation to the Platform, its software, databases, trademarks, business processes, or other assets owned by SMARTAXIS PRIVATE LIMITED.

The User receives only a limited, revocable, non-exclusive, non-transferable permission to use the Platform in accordance with these Terms.

4.16 Right to Refuse or Cancel Registration

SMARTAXIS PRIVATE LIMITED reserves the right, subject to applicable law, to refuse registration, suspend pending registrations, cancel Accounts, or revoke access where the Company reasonably believes that:

• Registration information is false or misleading.
• Fraudulent activity is suspected.
• Duplicate Accounts have been created in violation of these Terms.
• Security risks are identified.
• Legal or regulatory requirements necessitate such action.
• Continued registration may adversely affect the Platform or its Users.

The Company shall not be required to disclose confidential security procedures or investigation details while exercising these rights.

4.17 Chapter Summary

This Chapter establishes the rules governing registration, Account creation, authentication, ownership, and security on the FinDeals Platform. It clarifies the responsibilities of Users during registration, the Company's authority to verify information and manage Accounts, and the security obligations that continue throughout the life of the Account. Registration grants access to Platform Services but does not create any ownership or special legal relationship with SMARTAXIS PRIVATE LIMITED beyond the rights and obligations set out in these Terms.

Chapter 5 — PLATFORM SERVICES & NATURE OF FINDEALS

5.1 Purpose

The purpose of this Chapter is to define the nature, scope, and limitations of the services provided by FinDeals.

This Chapter explains the role of SMARTAXIS PRIVATE LIMITED as the owner and operator of the Platform and clarifies the extent of the Company's responsibilities in relation to Platform Services.

5.2 Nature of FinDeals

FinDeals is an online Financial Classifieds Platform developed and operated by SMARTAXIS PRIVATE LIMITED.

The Platform is designed to enable Users to publish Financial Requirements, discover financial opportunities, communicate with one another, and access technology-driven services that facilitate lawful interactions between Users.

FinDeals operates solely as a digital technology platform and does not participate as a contracting party in financial transactions conducted between Users.

5.3 Technology Platform

The User acknowledges that FinDeals is a technology platform that provides digital infrastructure for publishing information and facilitating communication.

The Platform enables Users to:

• Publish Financial Requirements.
• Search Listings.
• Discover business opportunities.
• Connect with eligible Users.
• Purchase Memberships.
• Purchase Credits.
• Use Business Dashboard features.
• Access Premium Services.
• Communicate through authorized Platform tools.
• Manage Profiles and Listings.
• Access future Platform Services introduced by the Company.

The Company provides the technology infrastructure only and does not control the commercial decisions of Users.

5.4 Services Offered

Subject to these Terms and applicable law, the Platform may offer one or more of the following services:

• User Registration
• Account Management
• Financial Requirement Publishing
• Search & Discovery
• Category Browsing
• Business Dashboard
• Business Profiles
• Membership Plans
• Credits System
• Contact Unlock
• Premium Highlight
• Chat & Messaging
• Notifications
• Saved Listings
• Analytics & Insights
• Customer Support
• Complaint Submission
• Fraud Reporting
• Verification Services (where applicable)
• Promotional Campaigns
• Advertising Services
• Educational Resources
• AI-assisted Platform Features
• API Services
• Integration Services
• Mobile Applications
• Web Portal
• Future digital services introduced by the Company.

The Company may modify, expand, reduce, replace, or discontinue any Service at its sole discretion.

5.5 No Financial Services

The User expressly acknowledges that FinDeals does not provide regulated financial services.

Without limitation, the Platform does not:

• Lend money.
• Borrow money.
• Accept deposits.
• Issue loans.
• Approve loans.
• Reject loans.
• Guarantee loans.
• Recommend lenders.
• Recommend borrowers.
• Arrange financing.
• Negotiate financial terms.
• Determine interest rates.
• Collect repayments.
• Recover debts.
• Provide escrow services.
• Manage investments.
• Provide insurance.
• Offer credit ratings.
• Evaluate creditworthiness.
• Provide legal advice.
• Provide accounting advice.
• Provide tax advice.
• Provide investment advice.
• Provide financial planning services.

Users shall not represent or imply that the Company provides any of the above services.

5.6 User-to-User Interactions

All communications, negotiations, discussions, agreements, and financial transactions occurring between Users are conducted solely between those Users.

The Company is not a party to such interactions and shall not be deemed to have:

• Negotiated any transaction.
• Approved any transaction.
• Guaranteed any transaction.
• Recommended any transaction.
• Verified every representation made by Users.
• Assumed responsibility for any User's conduct.

Users remain solely responsible for their communications and decisions.

5.7 Independent Decision-Making

Every User shall independently determine whether to:

• Contact another User.
• Respond to a Listing.
• Share personal information.
• Share business information.
• Exchange documents.
• Enter into negotiations.
• Execute agreements.
• Make payments.
• Accept collateral.
• Reject proposals.
• Proceed with financial transactions.

The Company shall not direct, influence, or participate in such decisions.

5.8 Availability of Services

The Company shall use commercially reasonable efforts to make the Platform available.

However, uninterrupted availability is not guaranteed.

Services may become temporarily unavailable due to:

• Scheduled maintenance.
• Emergency maintenance.
• Software upgrades.
• Hardware failures.
• Cybersecurity incidents.
• Network interruptions.
• Third-party service failures.
• Regulatory requirements.
• Natural disasters.
• Force Majeure events.
• Technical issues beyond the Company's reasonable control.
• Temporary interruptions shall not constitute a breach of these Terms.

5.9 Modification of Services

SMARTAXIS PRIVATE LIMITED reserves the unrestricted right to:

• Introduce new services.
• Remove existing services.
• Modify Platform features.
• Redesign the user interface.
• Introduce subscription plans.
• Introduce premium features.
• Modify pricing.
• Modify eligibility requirements.
• Modify verification procedures.
• Introduce artificial intelligence features.
• Introduce automation.
• Introduce APIs.
• Introduce new business categories.
• Introduce new financial categories.
• Improve Platform security.

The Company shall determine such modifications in accordance with its legitimate business requirements and applicable law.

5.10 Third-Party Services

The Platform may integrate with or provide access to third-party services including, without limitation:

• Payment gateways.
• SMS providers.
• Email providers.
• Cloud infrastructure.
• Authentication services.
• Analytics providers.
• Customer support tools.
• Artificial Intelligence services.
• Government verification services.
• Mapping services.
• Notification providers.
• Such services are provided by independent third parties.

The Company shall not be responsible for the availability, functionality, security, or performance of third-party services beyond its reasonable control.

5.11 Beta Features

From time to time, the Company may release experimental, beta, preview, pilot, or limited-access features.

Such features may:

• Contain defects.
• Undergo frequent changes.
• Be discontinued without notice.
• Be available only to selected Users.
• Operate with reduced functionality.

The Company makes no warranty regarding beta features.

Users access such features entirely at their own discretion.

5.12 Artificial Intelligence Features

The Platform may incorporate Artificial Intelligence ("AI") technologies to improve user experience, automation, search functionality, fraud detection, recommendations, customer support, content moderation, analytics, or other Platform Services.

AI-generated outputs:

• May contain inaccuracies.
• May require human verification.
• Shall not be treated as legal advice.
• Shall not be treated as financial advice.
• Shall not replace independent professional judgment.

Users remain responsible for evaluating all AI-generated information before relying upon it.

5.13 Geographic Availability

Platform Services may not be available in every jurisdiction.

The Company may restrict or discontinue access in specific countries, states, districts, or territories based on:

• Applicable laws.
• Regulatory requirements.
• Operational limitations.
• Security concerns.
• Business considerations.

Users are responsible for ensuring that access to the Platform is lawful in their jurisdiction.

5.14 Service Suspension

The Company may temporarily suspend any Platform Service where reasonably necessary for:

• Security.
• Maintenance.
• Regulatory compliance.
• Fraud prevention.
• System upgrades.
• Investigation of violations.
• Protection of Users.
• Protection of Platform integrity.

Where reasonably practicable, advance notice may be provided.

However, emergency suspensions may occur without prior notice.

5.15 No Guarantee of Results

The Company does not guarantee that use of the Platform will result in:

• Financial assistance.
• Loan approval.
• Business opportunities.
• Successful negotiations.
• Increased revenue.
• Customer acquisition.
• Investment.
• Profit.
• Funding.
• Qualified leads.
• Responses to Listings.
• Contact requests.
• Platform Services are provided to facilitate opportunities and communication only.
• Results depend upon numerous factors beyond the Company's control.

5.16 Chapter Summary

This Chapter defines the nature of FinDeals as a technology-based Financial Classifieds Platform and clarifies the scope and limitations of the services provided by SMARTAXIS PRIVATE LIMITED. It confirms that the Company supplies digital infrastructure and related Platform Services while Users independently manage their financial decisions and interactions. The Chapter also addresses service availability, future enhancements, third-party integrations, AI features, and the Company's right to modify or suspend Services as necessary.

Chapter 6 — USER ACCOUNTS & PROFILE MANAGEMENT

6.1 Purpose

The purpose of this Chapter is to establish the rules governing the creation, ownership, maintenance, management, and use of User Accounts and Profiles on the FinDeals Platform.

Every Account and Profile created on the Platform shall remain subject to these Terms, applicable laws, and all policies published by SMARTAXIS PRIVATE LIMITED.

6.2 User Account

A User Account is a digital identity created for accessing eligible Platform Services.

Each Account is associated with the information provided by the User during registration and may include one or more of the following:

• Personal Information
• Contact Information
• Business Information
• Membership Details
• Credits Balance
• Listings
• Chat History
• Notifications
• Transaction History
• Verification Status
• Preferences
• Activity Logs

The Company may modify the contents of User Accounts as Platform features evolve.

6.3 User Profile

Each registered User may maintain a Profile containing information voluntarily provided by the User or generated through Platform usage.

A Profile may include:

• Name
• Profile Photograph
• Business Name
• Organization Name
• Business Category
• Address
• State
• District
• City
• Business Description
• Experience
• Verification Status
• Ratings (where applicable)
• Membership Status
• Other information approved by the Company.

The User is solely responsible for maintaining accurate Profile information.

6.4 Profile Accuracy

Users shall ensure that Profile information remains:

• Accurate
• Complete
• Current
• Truthful
• Lawful

Users shall promptly update any information that changes.

The Company may request supporting documents where necessary to verify Profile information.

6.5 Profile Photograph

Where the Platform permits Profile photographs:

The User represents and warrants that:

The photograph belongs to the User or is lawfully used.

• Publication does not infringe any third-party rights.

The photograph is not misleading.

The photograph complies with applicable laws.

The photograph complies with Platform policies.

The Company reserves the right to remove Profile photographs that violate these Terms.

6.6 Business Profile

Business Members may create Business Profiles that describe their lawful business activities.

Business Profiles may include:

• Business Name
• Business Logo
• Business Description
• Business Categories
• Office Address
• Operating Areas
• Contact Information
• Working Hours
• Licenses (where applicable)
• Certifications
• Website
• Social Media Links
• Other business information approved by the Company.
• Publication of a Business Profile does not constitute endorsement by the Company.

6.7 Profile Visibility

The Company may determine which Profile information is:

• Publicly Visible
• Visible only to Registered Users
• Visible only to Business Members
• Visible after Contact Unlock
• Visible only to the Account Owner
• Hidden for security or compliance purposes
• Visibility settings may change as Platform features evolve.

6.8 User Responsibilities

Each User shall:

• Maintain accurate Profile information.
• Protect login credentials.
• Maintain confidentiality of Account information.
• Prevent unauthorized access.
• Notify the Company of suspected misuse.
• Use the Account only for lawful purposes.
• Comply with these Terms at all times.

Users remain responsible for all activities conducted through their Accounts.

6.9 Account Updates

Users may update permitted Profile information through the Platform.

Certain information may require additional verification before modification, including:

• Mobile Number
• Email Address
• Business Name
• Business Registration Details
• Verification Status
• Government-issued Identification
• Other sensitive information identified by the Company.

The Company may refuse requested modifications where fraud, security risks, or legal concerns are identified.

6.10 Username Policy

Where usernames are supported, Users shall not select usernames that:

• Impersonate another person.
• Mislead other Users.
• Infringe trademarks.
• Infringe copyrights.
• Contain offensive language.
• Promote illegal activities.
• Encourage hatred or violence.
• Violate applicable laws.
• Create confusion regarding affiliation with the Company.

The Company reserves the right to modify or remove inappropriate usernames without prior notice.

6.11 Profile Content

Users shall ensure that all Profile content:

• Is accurate.
• Is lawful.
• Does not mislead.
• Does not impersonate others.
• Does not infringe intellectual property rights.
• Does not contain malware.
• Does not contain harmful code.
• Does not promote illegal activities.
• Does not violate these Terms.

Users remain solely responsible for Profile Content.

6.12 Inactive Accounts

The Company may classify an Account as inactive where it has not been used for a prolonged period determined by the Company.

For inactive Accounts, the Company may:

• Request re-authentication.
• Archive certain information.
• Restrict access to selected services.
• Remove inactive Listings.
• Suspend unused Membership benefits.
• Require updated Profile information.
• Permanently deactivate the Account where permitted by applicable law.
• Reasonable notice may be provided where practicable.

6.13 Multiple User Roles

A User may participate on the Platform in different capacities, including:

• Individual User
• Business Member
• Service Provider
• Advertiser
• Premium Member
• Verified User
• Other categories introduced by the Company.

Additional responsibilities applicable to specific User categories shall be governed by the relevant chapters of these Terms.

6.14 Account Monitoring

To maintain Platform security, quality, and compliance, the Company may monitor Account activities including:

• Login Activity
• Device Information
• Listing Activity
• Chat Activity
• Membership Usage
• Credits Usage
• Fraud Indicators
• Security Events
• Policy Compliance

Such monitoring shall be conducted in accordance with applicable law and the Company's Privacy Policy.

6.15 Account Closure by User

A User may request closure of their Account through the procedures made available by the Company.

Closure of an Account does not automatically:

• Cancel financial obligations.
• Refund Membership fees.
• Refund Credits.
• Remove legal liabilities.
• Delete records that the Company is required to retain under applicable law.
• Terminate ongoing investigations.
• Eliminate obligations arising before Account closure.

The Company may retain certain information for legal, regulatory, security, fraud prevention, audit, or record-keeping purposes.

6.16 Account Closure by Company

The Company may suspend, restrict, or permanently close an Account where:

• These Terms are violated.
• Fraud is suspected.
• Regulatory requirements require such action.
• Security risks exist.
• False information has been submitted.
• Illegal activities are detected.
• Court orders or government directions require action.
• Continued operation of the Account may adversely affect the Platform or its Users.
• Account closure shall not affect any rights or obligations that arose prior to such closure.

6.17 Survival of Obligations

Termination or closure of an Account shall not release either the User or the Company from obligations that are intended to survive termination, including obligations relating to:

• Payments
• Liability
• Indemnification
• Intellectual Property
• Confidentiality
• Fraud Investigations
• Dispute Resolution
• Governing Law
• Record Retention
• Compliance with Applicable Law

6.18 Chapter Summary

This Chapter establishes the legal framework governing User Accounts and Profiles on the FinDeals Platform. It outlines the responsibilities of Users in maintaining accurate account information, explains the Company's authority to manage profile visibility and account lifecycle, and clarifies the rights of both the User and SMARTAXIS PRIVATE LIMITED regarding account creation, modification, monitoring, suspension, and closure. These provisions are intended to support a secure, reliable, and transparent environment for all Platform participants.

Chapter 7 — IDENTITY VERIFICATION & USER INFORMATION

7.1 Purpose

The purpose of this Chapter is to establish the Company's framework for identity verification, business verification, document verification, and User information management.

Verification is intended to improve Platform security, reduce fraud, promote trust among Users, and assist the Company in complying with applicable legal and regulatory requirements.

Nothing contained in this Chapter shall be interpreted as creating an obligation upon the Company to verify every User, document, Listing, or transaction conducted through the Platform.

7.2 Company's Right to Verify

SMARTAXIS PRIVATE LIMITED reserves the right, but not the obligation, to verify the identity, information, documents, business credentials, or other details submitted by any User at any time.

Verification may be conducted:

• During registration.
• Before approving certain Platform features.
• Before granting Membership benefits.
• Before enabling Contact Unlock.
• Before publishing certain Listings.
• During fraud investigations.
• During complaint investigations.
• During regulatory reviews.
• Whenever reasonably required to protect the Platform or its Users.

The Company may conduct verification directly or through authorized third-party service providers.

7.3 Information That May Be Requested

For verification purposes, the Company may request one or more of the following, where permitted by applicable law:

• Full Legal Name
• Mobile Number
• Email Address
• Residential Address
• Business Address
• Date of Birth
• Government-issued Identity Document
• Business Registration Certificate
• GST Registration (where applicable)
• Professional Licenses
• Business Authorization Documents
• Bank Account Details (where necessary for approved Platform services)
• Selfie or Live Photo Verification
• Video Verification
• Utility Bills
• Other documents reasonably required for verification or legal compliance.

The Company may modify verification requirements as necessary.

7.4 Voluntary and Mandatory Verification

Certain verification processes may be optional, while others may be mandatory depending on:

The User category.

• Platform features requested.
• Membership type.
• Business services accessed.
• Applicable law.
• Risk assessment.
• Security considerations.

Failure to complete mandatory verification may result in restricted access to specific Platform Services.

7.5 Verification Methods

The Company may use one or more verification methods including:

• Mobile OTP Verification
• Email Verification
• Identity Document Verification
• Business Verification
• Selfie Verification
• Live Video Verification
• Address Verification
• Third-Party Verification Services
• AI-assisted Verification
• Government Database Verification (where legally permitted)
• Manual Review
• Other verification technologies introduced in the future.
• Verification methods may vary depending on the nature of the service requested.

7.6 Verification Status

Where applicable, the Company may display a verification status or badge indicating that certain verification procedures have been completed.

Verification status is provided solely for informational purposes.

A verification badge does not constitute:

• A recommendation.
• An endorsement.
• A guarantee of identity.
• A guarantee of honesty.
• A guarantee of financial capability.
• A guarantee of business legitimacy.
• A guarantee of future conduct.
• A guarantee that information will remain accurate over time.

Users shall continue to perform their own due diligence before entering into any transaction.

7.7 User Declarations

Every User submitting information for verification declares and warrants that:

• All submitted information is true and accurate.
• All submitted documents are genuine.

The User is legally authorized to submit such documents.

No document has been forged, altered, manipulated, or fraudulently obtained.

The information does not infringe the rights of any third party.

Submission of false or fraudulent information constitutes a material breach of these Terms and may result in suspension, termination, legal action, or reporting to competent authorities.

7.8 Company Verification Limitations

Verification conducted by the Company is limited to the scope of the information and processes selected by the Company.

Unless expressly stated otherwise, verification does not include:

• Criminal background verification.
• Credit score verification.
• Financial solvency assessment.
• Asset ownership confirmation.
• Property title verification.
• Litigation history checks.
• Tax compliance verification.
• Ongoing monitoring of User conduct.
• Verification of every Listing published.
• Verification of every statement made by a User.

Users shall not assume that verification extends beyond the specific verification process completed.

7.9 Continuing Accuracy of Information

Users shall promptly notify the Company if any previously verified information changes, including but not limited to:

• Name
• Mobile Number
• Email Address
• Residential Address
• Business Address
• Business Registration
• Licenses
• Contact Information
• Legal Status
• Business Ownership

Failure to update material information may affect verification status and access to Platform Services.

7.10 Refusal or Failure of Verification

The Company may decline, suspend, or revoke verification where:

• Required documents are not provided.
• Documents are incomplete or illegible.
• Information is inconsistent.
• Fraud indicators are detected.
• Verification cannot reasonably be completed.
• Applicable law prohibits continuation.
• Security concerns exist.

The Company may request additional documents or clarification before making a final determination.

7.11 Revocation of Verification Status

Verification status may be suspended or revoked where:

• Verified information becomes inaccurate.
• Documents expire.
• Fraud is suspected.
• Misrepresentation is identified.
• A regulatory requirement changes.

The User violates these Terms.

Continued verification may create legal or security risks.

Revocation of verification status does not automatically terminate the User's Account unless otherwise determined by the Company.

7.12 Storage and Protection of Verification Information

Verification information collected by the Company shall be handled in accordance with:

• Applicable laws.

The Company's Privacy Policy.

Internal security procedures.

Data retention requirements.

Legitimate business needs.

The Company shall implement reasonable administrative, technical, and organizational measures to safeguard verification information from unauthorized access, disclosure, alteration, or destruction.

7.13 Third-Party Verification Providers

The Company may engage independent third-party service providers to assist with verification processes.

Where such providers are used:

The User authorizes the Company to share necessary verification information with the provider, subject to applicable law and the Privacy Policy.

The provider shall process such information solely for authorized verification purposes.

The Company remains responsible for selecting service providers with reasonable care but does not guarantee uninterrupted availability or error-free operation of third-party systems.

7.14 User Responsibility Despite Verification

Regardless of whether another User has been verified, every User remains solely responsible for conducting appropriate due diligence before:

• Sharing confidential information.
• Unlocking contact details.
• Making payments.
• Executing agreements.
• Accepting collateral.
• Entering into financial transactions.
• Relying upon statements made by another User.

Verification is one factor that Users may consider but should never be treated as a substitute for independent judgment.

7.15 No Liability for Verification Outcomes

To the maximum extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for any loss, damage, fraud, misrepresentation, or dispute arising solely because a User relied upon another User's verification status or the completion of a verification process.

Users acknowledge that verification reduces certain risks but cannot eliminate the possibility of fraud, identity theft, document forgery, or other unlawful conduct.

7.16 Chapter Summary

This Chapter establishes the Company's verification framework, including identity, business, and document verification. It clarifies that verification is intended to improve security and trust but does not constitute an endorsement, guarantee, or assurance regarding any User's identity, financial capability, honesty, or future conduct. Users remain responsible for independently evaluating and verifying all relevant information before engaging in any financial or commercial activity through the Platform.

Chapter 8 — ACCOUNT SECURITY, AUTHENTICATION & ACCESS CONTROL

8.1 Purpose

The purpose of this Chapter is to establish the security requirements applicable to every User Account and to define the responsibilities of both the User and SMARTAXIS PRIVATE LIMITED regarding authentication, account protection, access control, and security management.

The security of the Platform depends upon the combined efforts of the Company and every User. Users are therefore required to exercise reasonable care in protecting their Accounts and authentication credentials.

8.2 User Responsibility for Account Security

Each User is solely responsible for maintaining the security of their Account.

The User shall take all reasonable precautions to prevent unauthorized access, misuse, fraud, or compromise of the Account.

The User's responsibilities include, without limitation:

• Maintaining confidential login credentials.
• Protecting registered mobile numbers.
• Protecting registered email addresses.
• Preventing unauthorized access to devices.
• Logging out from shared or public devices.
• Updating compromised credentials promptly.
• Monitoring Account activity.
• Immediately reporting suspected security incidents.

8.3 Authentication Methods

The Company may authenticate Users using one or more authentication mechanisms, including but not limited to:

• One-Time Password (OTP)
• Password Authentication
• Email Verification
• Multi-Factor Authentication (MFA)
• Device Authentication
• Biometric Authentication (where supported)
• Security Questions
• Authentication Tokens
• Passkeys
• Government-approved digital authentication systems
• Future authentication technologies introduced by the Company.

The Company may modify authentication requirements from time to time in the interest of security, regulatory compliance, or operational efficiency.

8.4 One-Time Password (OTP)

Where OTP authentication is used, the User acknowledges and agrees that:

• Each OTP is confidential.
• OTPs are valid only for the specified duration.
• OTPs may only be used for the intended authentication process.
• OTPs shall not be shared with any person.
• Company employees will never request OTPs through unsolicited communication.

The User remains solely responsible for protecting OTPs from unauthorized disclosure.

8.5 Password Security

Where password-based authentication is available, the User shall:

• Create a strong password.
• Avoid easily guessable passwords.
• Avoid reusing passwords used on other websites.
• Keep passwords confidential.
• Change passwords immediately upon suspicion of compromise.
• Avoid storing passwords in insecure locations.

The Company may establish password strength requirements and require periodic password updates.

8.6 Registered Mobile Number

The registered mobile number serves as an important security identifier for the User Account.

The User shall ensure that:

The mobile number remains active.

The mobile number remains under the User's lawful control.

• SIM replacement or transfer is promptly reflected where required.
• Loss of access is immediately reported.

Failure to maintain control over the registered mobile number may affect access to Platform Services.

8.7 Registered Email Address

The registered email address shall be maintained by the User as a valid communication channel.

The User shall promptly update the email address whenever:

The address becomes inaccessible.

• Ownership changes.
• Unauthorized access is suspected.
• Security incidents occur.

The Company may use the registered email address for authentication, notifications, and legal communications.

8.8 Device Security

Users are responsible for securing every device used to access the Platform.

Users should adopt reasonable security measures, including:

• Device passwords.
• Screen locks.
• Operating system updates.
• Antivirus software.
• Trusted internet connections.
• Protection against malware.
• Protection against unauthorized physical access.

The Company shall not be responsible for security failures arising from compromised User devices.

8.9 Unauthorized Access

If a User becomes aware of or reasonably suspects:

• Unauthorized login.
• Account compromise.
• Credential theft.
• Device theft.
• SIM swap.
• Email compromise.
• Password disclosure.
• OTP misuse.
• Suspicious Account activity.

the User shall immediately notify the Company using the official support channels.

Prompt reporting assists the Company in reducing the potential impact of security incidents.

8.10 Access Restrictions

The Company may temporarily or permanently restrict access to an Account where it reasonably believes that:

• Unauthorized access has occurred.
• Fraud is suspected.
• Authentication has failed repeatedly.
• Security risks exist.
• Regulatory action is required.
• System abuse is detected.
• Malicious activity is identified.
• Access restrictions may remain in effect until appropriate verification has been completed.

8.11 Session Management

For security purposes, the Company may:

• Automatically terminate inactive sessions.
• Require periodic re-authentication.
• Restrict concurrent sessions.
• Log Users out after security events.
• Limit access from unknown devices.
• Require additional authentication for sensitive actions.
• These measures are implemented to enhance Platform security.

8.12 Suspicious Activity Monitoring

The Company may monitor Platform usage to identify activities that may indicate:

• Fraud.
• Unauthorized access.
• Automated abuse.
• Credential compromise.
• Bot activity.
• Identity theft.
• Account takeover attempts.
• Security threats.
• Such monitoring shall be conducted in accordance with applicable law and the Privacy Policy.

8.13 Security Notifications

The Company may notify Users regarding security-related events including:

• New device logins.
• Password changes.
• Authentication failures.
• Suspicious login attempts.
• Security alerts.
• Policy updates.
• Account restrictions.

Such notifications may be delivered through:

• SMS
• Email
• Push Notifications
• WhatsApp
• In-App Notifications
• Other approved communication channels.

8.14 Security Investigations

Where a security incident is suspected, the Company may:

• Review Account activity.
• Request additional verification.
• Temporarily suspend services.
• Restrict Platform features.
• Preserve evidence.
• Cooperate with law enforcement agencies.
• Cooperate with regulatory authorities.

Users shall reasonably cooperate with such investigations.

8.15 Limitation of Company Responsibility

While SMARTAXIS PRIVATE LIMITED implements reasonable technical and organizational security measures, the Company cannot guarantee that the Platform will always remain free from:

• Cyber attacks.
• Unauthorized access.
• Malware.
• Phishing attempts.
• Data interception.
• Technical vulnerabilities.
• Third-party security failures.

Users acknowledge that no online platform can provide absolute security.

8.16 User Security Best Practices

Users are encouraged to:

• Never share OTPs or passwords.
• Verify the authenticity of communications claiming to be from FinDeals.
• Regularly review Account activity.
• Report suspicious Listings or Users.
• Avoid accessing the Platform through unsecured public networks.
• Keep devices and applications updated.
• Use strong and unique passwords.
• Enable additional security features where available.

These recommendations are provided to improve overall Platform security but do not replace the User's responsibility to protect their Account.

8.17 Chapter Summary

This Chapter establishes the security framework governing User Accounts on the FinDeals Platform. It defines the authentication methods used by the Company, the responsibilities of Users in safeguarding their Accounts, and the Company's authority to implement security controls, monitor suspicious activity, and respond to potential security incidents. Both the Company and Users share responsibility for maintaining a secure Platform environment, and Users are expected to exercise reasonable care when accessing and using Platform Services.

Chapter 9 — ACCOUNT SUSPENSION, RESTRICTION & TERMINATION

9.1 Purpose

The purpose of this Chapter is to establish the circumstances under which SMARTAXIS PRIVATE LIMITED may suspend, restrict, terminate, or otherwise limit access to the FinDeals Platform.

This Chapter also sets forth the rights and obligations of Users following suspension or termination of an Account.

The Company reserves the right to take appropriate enforcement actions to protect the integrity, security, reliability, and lawful operation of the Platform.

9.2 Company's Right to Suspend or Restrict Accounts

SMARTAXIS PRIVATE LIMITED may, at its sole discretion and subject to applicable law, temporarily suspend, permanently terminate, or restrict access to any Account where it reasonably believes that such action is necessary to:

• Protect the Platform.
• Protect other Users.
• Prevent fraud.
• Investigate policy violations.
• Comply with legal obligations.
• Maintain Platform security.
• Protect business interests.
• Prevent misuse of Platform Services.
• Such action may be taken with or without prior notice where permitted by applicable law.

9.3 Grounds for Suspension

Without limiting any other rights available to the Company, an Account may be suspended where:

• False information has been submitted.
• Fraudulent activity is suspected.
• Identity theft is suspected.
• Fake documents are submitted.
• Multiple Accounts are created in violation of these Terms.
• Unauthorized access is detected.
• Platform Services are abused.
• Spam activity is identified.
• Fake Listings are published.
• Complaints indicate serious misconduct.
• Verification requirements remain incomplete.
• Court orders require action.
• Government authorities direct action.
• Security risks are identified.
• Technical investigations are required.

The User violates these Terms.

The above list is illustrative and not exhaustive.

9.4 Temporary Restriction of Services

Instead of suspending an entire Account, the Company may temporarily restrict one or more Platform features, including:

• Publishing Listings.
• Editing Listings.
• Contact Unlock.
• Chat Services.
• Business Dashboard.
• Membership Benefits.
• Credits Usage.
• Premium Highlight.
• Profile Visibility.
• Payment Features.
• Notification Services.
• Restrictions may remain in effect until the issue giving rise to the restriction has been resolved.

9.5 Immediate Suspension

The Company may immediately suspend an Account without prior notice where it reasonably believes that immediate action is necessary to:

• Prevent fraud.
• Prevent financial loss.
• Prevent cyber attacks.
• Protect User safety.
• Prevent unauthorized access.
• Preserve evidence.
• Comply with legal obligations.
• Protect Platform integrity.
• Respond to emergency security incidents.

Where appropriate, the Company may subsequently notify the affected User of the suspension.

9.6 Investigation During Suspension

During the suspension period, the Company may:

• Review Account activity.
• Examine Listings.
• Verify documents.
• Request additional information.
• Review communications where permitted by law.
• Consult third-party verification providers.
• Investigate complaints.
• Cooperate with government authorities.
• Preserve digital evidence.

Users shall reasonably cooperate with such investigations.

Failure to cooperate may result in continued suspension or permanent termination.

9.7 User's Right to Respond

Where appropriate and consistent with applicable law, the Company may provide the User with an opportunity to:

• Explain the circumstances.
• Submit supporting documents.
• Correct inaccurate information.
• Complete verification.
• Respond to complaints.
• Clarify disputed matters.

The Company shall evaluate such information in good faith but shall retain sole discretion regarding enforcement decisions.

9.8 Permanent Termination

The Company may permanently terminate an Account where:

• Serious fraud has been established.
• Repeated violations occur.
• Illegal activities are detected.
• Identity impersonation is confirmed.
• Fake businesses are operated.
• Stolen identities are used.
• Financial scams are conducted.
• Platform abuse continues despite warnings.
• Court orders require termination.
• Applicable law requires termination.
• Continued access presents unacceptable legal, financial, operational, or security risks.
• Termination shall become effective immediately unless otherwise communicated by the Company.

9.9 User-Initiated Account Closure

A User may request permanent closure of an Account through the procedures specified by the Company.

Before processing such requests, the Company may require:

• Identity verification.
• Authentication.
• Settlement of outstanding obligations.
• Resolution of pending disputes.
• Confirmation of ownership.

The Company may retain information required by law or legitimate business purposes after Account closure.

9.10 Effect of Suspension

During suspension, the User may lose access to:

• Account Login.
• Listings.
• Chat Services.
• Business Dashboard.
• Membership Features.
• Credits.
• Premium Services.
• Notifications.
• Contact Unlock.
• Other Platform Services.
• Suspension shall not relieve the User of obligations arising before the suspension.

9.11 Effect of Termination

Upon termination:

• Access to the Account may cease immediately.
• Active Listings may be removed.
• Membership privileges may end.
• Premium Services may cease.
• Credits may expire or be forfeited in accordance with the applicable Credits Policy.
• Business Dashboard access may be revoked.
• Contact Unlock privileges may terminate.
• Platform permissions may be withdrawn.

Termination shall not automatically entitle the User to refunds unless expressly provided under the applicable Refund Policy.

9.12 Preservation of Records

Following suspension or termination, the Company may retain Account records where necessary for:

• Legal compliance.
• Regulatory obligations.
• Fraud prevention.
• Audit purposes.
• Tax compliance.
• Dispute resolution.
• Enforcement of legal rights.
• Internal security.
• Record retention obligations.

Retention periods shall be determined in accordance with applicable law and the Company's Privacy Policy.

9.13 Appeals and Review

Where permitted by the Company, a User whose Account has been suspended or terminated may submit a written request for review.

Submission of a review request does not guarantee:

• Reinstatement.
• Expedited review.
• Restoration of Listings.
• Restoration of Memberships.
• Restoration of Credits.

The Company's decision following review shall be final, subject to any rights available under applicable law.

9.14 Reinstatement

Where appropriate, the Company may restore an Account after:

• Completion of verification.
• Resolution of security concerns.
• Correction of inaccurate information.
• Compliance with Company requirements.
• Removal of prohibited content.
• Successful investigation.
• Reinstatement shall remain entirely at the Company's discretion.

Restoration of an Account does not guarantee restoration of deleted Listings, expired Memberships, Premium Services, or Credits.

9.15 Survival of Rights and Obligations

Termination or suspension shall not affect rights or obligations that by their nature survive termination, including but not limited to:

• Payment obligations.
• Confidentiality obligations.
• Intellectual Property rights.
• Indemnification obligations.
• Limitation of Liability.
• Dispute Resolution.
• Governing Law.
• Arbitration.
• Record Retention.
• Compliance with legal obligations.

Such provisions shall remain in full force and effect notwithstanding suspension or termination of the Account.

9.16 No Liability for Enforcement Actions

To the maximum extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for any direct, indirect, incidental, special, consequential, or punitive loss arising solely from the lawful suspension, restriction, or termination of an Account undertaken in accordance with these Terms, applicable law, or the Company's legitimate business interests.

Nothing in this clause excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

9.17 Chapter Summary

This Chapter establishes the Company's authority to suspend, restrict, investigate, and terminate User Accounts in order to protect the Platform, its Users, and its legitimate business interests. It also explains the consequences of enforcement actions, the User's opportunity to respond where appropriate, the possibility of reinstatement, and the continuing legal obligations that survive Account suspension or termination.

Chapter 10 — FINANCIAL REQUIREMENT LISTINGS

10.1 Purpose

The purpose of this Chapter is to establish the legal framework governing the creation, publication, management, modification, visibility, and removal of Financial Requirement Listings on the FinDeals Platform.

Financial Requirement Listings constitute User-generated content and are published solely at the request of the respective User.

Publication of a Listing by the Platform shall not constitute approval, endorsement, recommendation, certification, verification, or guarantee by SMARTAXIS PRIVATE LIMITED.

10.2 Nature of Listings

A Financial Requirement Listing ("Listing") is an electronic publication created by a User describing a lawful financial requirement, financial opportunity, or related business information.

Listings are intended to facilitate lawful communication between Users and to enable eligible Users to discover relevant financial opportunities through the Platform.

Every Listing remains the responsibility of the User who created it.

10.3 Categories of Financial Requirements

The Company may permit Listings in categories including, but not limited to:

• Personal Finance
• Business Finance
• Property-backed Finance
• Gold-backed Finance
• Vehicle-backed Finance
• Education Finance
• Medical Finance
• Agricultural Finance
• Machinery Finance
• Equipment Finance
• Invoice Financing
• Working Capital
• Project Finance
• Insurance-related Requirements
• Investment Requirements
• Mortgage-related Requirements
• MSME Finance
• Startup Funding
• Trade Finance
• Other lawful financial categories approved by the Company.

The Company may introduce, modify, merge, rename, or discontinue categories at any time.

10.4 User Responsibility for Listings

The User creating a Listing is solely responsible for:

• Accuracy of information.
• Completeness of information.
• Lawfulness of the Listing.
• Ownership of uploaded documents.
• Ownership of uploaded photographs.
• Authenticity of statements.
• Compliance with applicable laws.
• Compliance with these Terms.

The User shall bear full responsibility for every statement contained within a Listing.

10.5 Mandatory Listing Information

Where required by the Company, a Listing may include one or more of the following:

• Listing Title.
• Financial Category.
• Amount Required.
• Purpose of Finance.
• Type of Security Offered (if any).
• Location.
• State.
• District.
• City or Town.
• Business Information.
• Supporting Description.
• Photographs.
• Documents.
• Contact Preferences.
• Other information specified by the Company.

The Company may revise mandatory Listing fields from time to time.

10.6 Accuracy of Listings

Users shall ensure that every Listing is:

• Accurate.
• Truthful.
• Complete.
• Current.
• Not misleading.
• Not deceptive.
• Lawfully published.

Users shall promptly update or remove Listings that become inaccurate or outdated.

The Company shall not be responsible for monitoring the ongoing accuracy of Listings.

10.7 Ownership of Listing Content

Users retain ownership of the intellectual property rights in the original content submitted by them, subject to any rights granted to the Company under these Terms.

By publishing a Listing, the User grants SMARTAXIS PRIVATE LIMITED a worldwide, non-exclusive, royalty-free, transferable, sublicensable licence, for the duration necessary to operate the Platform, to:

• Host the Listing.
• Store the Listing.
• Display the Listing.
• Index the Listing.
• Format the Listing.
• Translate the Listing.
• Compress images.
• Generate previews.
• Promote the Listing within Platform features.
• Use the Listing as necessary to operate, secure, improve, and market the Platform.

This licence automatically terminates upon lawful deletion of the Listing, except where retention is required by law or these Terms.

10.8 Listing Visibility

The Company may determine the visibility of Listings based on factors including:

• Membership status.
• Premium Highlight.
• Platform algorithms.
• User preferences.
• Search filters.
• Geographic relevance.
• Category.
• Platform policies.
• Technical limitations.

The Company does not guarantee that every Listing will receive equal visibility.

10.9 Listing Duration

Listings may remain active for a period determined by the Company.

Upon expiry, the Company may:

• Remove the Listing.
• Archive the Listing.
• Require renewal.
• Request updated information.
• Automatically deactivate the Listing.

The applicable Listing duration may vary based on category, Membership, promotional services, or future Platform policies.

10.10 Editing Listings

Users may modify their Listings through Platform tools where editing is permitted.

The Company may restrict editing of specific fields after publication for reasons including:

• Fraud prevention.
• Regulatory compliance.
• Data integrity.
• Ongoing investigations.
• Platform security.
• Material modifications may require additional review before becoming publicly visible.

10.11 Duplicate Listings

Users shall not intentionally publish duplicate Listings for the purpose of:

• Manipulating search results.
• Increasing visibility unfairly.
• Circumventing Platform limits.
• Misleading other Users.
• Abusing promotional features.

The Company may merge, remove, restrict, or suspend duplicate Listings and take further action under these Terms.

10.12 Expired Listings

The Company may automatically expire Listings that:

• Reach the maximum publication period.
• Become inactive.
• Contain outdated information.
• Remain unresolved for extended periods.
• Fail to comply with updated Platform requirements.

Users may be required to review and republish expired Listings.

10.13 Removal by User

Subject to any applicable legal, regulatory, or contractual obligations, Users may remove their own Listings through the Platform where such functionality is provided.

Removal of a Listing does not:

• Remove historical Platform records.
• Eliminate legal responsibilities.
• Affect investigations.
• Prevent the Company from retaining records where required by law.

10.14 Removal by Company

SMARTAXIS PRIVATE LIMITED may remove, restrict, edit, hide, suspend, or permanently delete any Listing where the Company reasonably believes that the Listing:

• Violates these Terms.
• Violates Platform policies.
• Violates applicable law.
• Contains misleading information.
• Promotes fraud.
• Contains offensive material.
• Contains malicious software.
• Infringes intellectual property rights.
• Creates security risks.
• Exposes the Platform to legal liability.
• Is otherwise inconsistent with the legitimate operation of the Platform.

The Company may take such action with or without prior notice where permitted by applicable law.

10.15 No Guarantee of Responses

Publication of a Listing does not guarantee:

• User inquiries.
• Contact requests.
• Financial assistance.
• Loan approval.
• Business opportunities.
• Investments.
• Successful negotiations.
• Completion of transactions.

The Platform merely facilitates visibility and communication between Users.

10.16 Record Retention

The Company may retain copies of Listings, including deleted Listings, where necessary for:

• Legal compliance.
• Fraud prevention.
• Audit requirements.
• Regulatory obligations.
• Platform security.
• Dispute resolution.
• Internal investigations.
• Retention shall be governed by applicable law and the Company's Privacy Policy.

10.17 User Indemnity for Listings

The User agrees to indemnify and hold harmless SMARTAXIS PRIVATE LIMITED, its directors, officers, employees, affiliates, agents, and representatives against any claim, action, loss, liability, penalty, damage, cost, or expense arising out of or relating to:

• Information published by the User.
• Misrepresentation in a Listing.
• Infringement of third-party rights.
• Unlawful content.
• Fraudulent statements.
• Violation of applicable law.

This indemnity shall survive deletion of the Listing and termination of the User's Account.

10.18 Chapter Summary

This Chapter establishes the legal framework governing Financial Requirement Listings on the FinDeals Platform. It confirms that Listings are created and controlled by Users, outlines the responsibilities associated with publishing Listings, explains the Company's rights regarding visibility and moderation, and clarifies that publication of a Listing does not constitute endorsement, verification, or a guarantee of any financial outcome.

Chapter 11 — LISTING CONTENT STANDARDS & PUBLICATION RULES

11.1 Purpose

The purpose of this Chapter is to establish uniform standards governing the creation, publication, editing, maintenance, and presentation of Financial Requirement Listings on the FinDeals Platform.

These standards are intended to improve the quality, accuracy, transparency, reliability, and usefulness of Listings while helping protect Users from misleading, deceptive, or unlawful content.

Every User publishing a Listing agrees to comply with the requirements set forth in this Chapter.

11.2 User Responsibility for Published Content

The User publishing a Listing remains solely responsible for all content submitted through the Platform.

This responsibility includes, but is not limited to:

• Listing Title
• Description
• Financial Information
• Uploaded Images
• Uploaded Documents
• Contact Details
• Supporting Statements
• Business Information
• Updates
• Comments (where applicable)
• Any other content associated with the Listing.
• Publication through the Platform does not transfer responsibility to SMARTAXIS PRIVATE LIMITED.

11.3 Content Quality Standards

Every Listing shall be:

• Accurate.
• Truthful.
• Complete.
• Relevant.
• Lawful.
• Understandable.
• Current.
• Respectful.
• Professionally presented.
• Free from misleading statements.

Users shall exercise reasonable care before publishing any Listing.

11.4 Listing Title Requirements

The Listing title shall:

• Clearly describe the financial requirement.
• Be concise.
• Be relevant.
• Avoid unnecessary symbols.
• Avoid excessive capitalization.
• Avoid promotional language.
• Avoid misleading claims.
• Avoid unrelated keywords.
• Accurately represent the Listing content.

The Company may modify or reject titles that do not comply with these standards.

11.5 Listing Description Requirements

Every Listing description shall:

• Clearly explain the financial requirement.
• Contain sufficient information for interested Users.
• Be factually accurate.
• Avoid exaggeration.
• Avoid unsupported claims.
• Avoid deceptive wording.
• Avoid discriminatory language.
• Avoid offensive content.
• Avoid confidential information unless necessary and lawful.
• Descriptions should assist Users in making informed decisions.

11.6 Financial Information

Where financial information is included, Users shall provide accurate details regarding:

• Amount Required.
• Purpose of Finance.
• Repayment Expectations (if disclosed).
• Security Offered (if applicable).
• Business Purpose.
• Property Details (where applicable).
• Asset Information.
• Location.
• Other material financial information.

Users shall not intentionally conceal material information that could reasonably influence another User's decision.

11.7 Images and Documents

Users may upload photographs, documents, or other media where permitted.

Every uploaded file shall:

• Be owned by the User or lawfully used.
• Be relevant to the Listing.
• Be clear and legible.
• Accurately represent the subject matter.
• Not infringe third-party rights.
• Not contain malware.
• Not contain unlawful content.

The Company may automatically optimize uploaded files for storage or display purposes without altering their substantive content.

11.8 Language Requirements

Listings shall be written in a language supported by the Platform.

Users shall avoid:

• Obscene language.
• Hate speech.
• Abusive language.
• Threatening statements.
• Defamatory remarks.
• Vulgar expressions.
• Harassment.
• Content intended to provoke violence.

The Company may reject or remove content that fails to meet acceptable language standards.

11.9 Contact Information Within Listings

Unless expressly permitted by the Company, Users shall not publish within Listing content:

• Mobile Numbers.
• WhatsApp Numbers.
• Email Addresses.
• Website URLs.
• QR Codes.
• UPI IDs.
• Social Media Links.
• Other direct contact information.

The Company may remove such information to protect the integrity of its communication systems and premium services.

11.10 Misleading Statements

Users shall not include statements that:

• Create false expectations.
• Misrepresent financial capability.
• Misrepresent ownership of assets.
• Misrepresent business registration.
• Misrepresent approvals.
• Misrepresent partnerships.
• Misrepresent licenses.
• Misrepresent legal status.
• Misrepresent guarantees.
• Any misleading statement constitutes a violation of these Terms.

11.11 Updating Listings

Users shall promptly update Listings whenever:

The financial requirement changes.

The amount changes.

The purpose changes.

• Security information changes.
• Business information changes.

The requirement has been fulfilled.

The Listing becomes inaccurate.

Failure to update Listings may result in removal or other enforcement action.

11.12 Publication Review

The Company may review Listings before or after publication for purposes including:

• Compliance verification.
• Fraud detection.
• Spam prevention.
• Quality assurance.
• Platform safety.
• Regulatory compliance.
• Technical validation.
• Review does not constitute verification or endorsement of the Listing.

11.13 Editorial Rights

The Company may, without changing the substantive meaning of a Listing:

• Correct formatting.
• Correct spelling.
• Standardize capitalization.
• Optimize image presentation.
• Categorize Listings.
• Improve search indexing.
• Apply moderation labels.
• Add system-generated identifiers.

Where material changes are required, the Company may request the User to revise the Listing.

11.14 Search and Ranking

Listings may appear in search results based on various factors including:

• Search relevance.
• Category.
• Geographic location.
• User preferences.
• Platform algorithms.
• Membership status.
• Premium Highlight.
• Listing quality.
• Listing freshness.
• Other ranking factors determined by the Company.

The Company does not guarantee any particular ranking or visibility.

11.15 Listing Expiry and Renewal

The Company may require Users to renew Listings periodically to ensure that published information remains accurate.

Failure to renew may result in:

• Listing expiry.
• Reduced visibility.
• Removal from search.
• Automatic archival.
• Permanent deletion after applicable retention periods.

11.16 Platform Discretion

The Company reserves the right to:

• Approve Listings.
• Reject Listings.
• Delay publication.
• Request additional information.
• Require corrections.
• Hide Listings.
• Archive Listings.
• Remove Listings.
• Reclassify Listings.
• Merge Listings.
• Restrict visibility.

Such actions may be taken where reasonably necessary to maintain Platform quality, security, legal compliance, or operational integrity.

11.17 No Editorial Responsibility

Except where expressly stated otherwise, SMARTAXIS PRIVATE LIMITED acts solely as the operator of the Platform.

The Company does not:

• Draft Listings for Users.
• Guarantee Listing accuracy.
• Verify every statement.
• Confirm financial claims.
• Confirm ownership of assets.
• Guarantee successful transactions.
• Accept responsibility for User-generated content.

Users remain solely responsible for all published information.

11.18 Chapter Summary

This Chapter establishes the standards governing the preparation, publication, and maintenance of Financial Requirement Listings. It requires Users to provide accurate, lawful, and high-quality content while granting SMARTAXIS PRIVATE LIMITED the authority to review, organize, moderate, and manage Listings in order to maintain a reliable and trustworthy Platform. Publication of a Listing remains the responsibility of the User and does not constitute verification or endorsement by the Company.

Chapter 12 — PROHIBITED LISTINGS, FRAUDULENT ACTIVITIES & PLATFORM ENFORCEMENT

12.1 Purpose

The purpose of this Chapter is to establish the categories of prohibited Listings, prohibited conduct, fraudulent activities, and enforcement measures applicable to all Users of the FinDeals Platform.

SMARTAXIS PRIVATE LIMITED is committed to maintaining a lawful, secure, trustworthy, and transparent Financial Classifieds Platform. Accordingly, the Company reserves the right to investigate, restrict, suspend, remove, or terminate any User, Listing, or activity that violates these Terms, applicable law, or the legitimate interests of the Platform.

12.2 General Prohibition

Users shall not create, publish, promote, transmit, or participate in any Listing or activity that:

• Violates applicable law.
• Violates these Terms.
• Violates Platform Policies.
• Endangers Users.
• Facilitates fraud.
• Misleads Users.
• Harms the reputation of the Platform.
• Interferes with Platform operations.
• Infringes third-party rights.

12.3 False or Misleading Listings

Users shall not publish Listings containing:

• False financial requirements.
• Fake business information.
• Fake borrower identities.
• Fake lender identities.
• Fabricated financial needs.
• False ownership claims.
• False asset descriptions.
• False repayment information.
• Misleading collateral details.
• Any intentionally deceptive information.

12.4 Identity Fraud

Users shall not:

• Impersonate another person.
• Use another person's identity.
• Use another company's name without authorization.
• Use stolen identities.
• Create fake businesses.
• Create fictitious organizations.
• Misrepresent affiliations.
• Misrepresent employment.
• Misrepresent authority.

12.5 Forged or Altered Documents

Users shall not upload or submit:

• Forged identity documents.
• Altered government documents.
• Fake business registrations.
• Fake GST certificates.
• Fake licences.
• Fake ownership documents.
• Edited legal documents.
• Counterfeit certificates.
• Manipulated photographs.

12.6 Fraudulent Financial Activities

The Platform shall not be used for activities involving:

• Loan fraud.
• Investment fraud.
• Ponzi schemes.
• Pyramid schemes.
• Advance-fee scams.
• Fake funding promises.
• Fake grant schemes.
• Fake subsidy schemes.
• Illegal fundraising.
• Unlawful financial solicitation.

12.7 Money Laundering and Financial Crime

Users shall not use the Platform to facilitate or promote:

• Money laundering.
• Terrorism financing.
• Tax evasion.
• Proceeds of crime.
• Illegal financial transfers.
• Sanctions evasion.
• Fraudulent banking activities.
• Illegal foreign exchange activities.
• Hawala or other unlawful money transfer systems.
• Any financial crime prohibited under applicable law.

The Company may cooperate with competent authorities where such activities are suspected.

12.8 Illegal or Restricted Financial Services

Users shall not advertise or promote services that require licences or regulatory approvals unless they possess all required legal authorizations.

Examples include:

• Unauthorized lending businesses.
• Unauthorized deposit-taking schemes.
• Illegal investment services.
• Unlicensed NBFC activities.
• Unlicensed banking services.
• Unauthorized insurance activities.
• Illegal payment services.
• Other regulated financial services operated without required approvals.

The Company may request documentary evidence of regulatory authorization at any time.

12.9 Spam and Platform Abuse

Users shall not:

• Publish excessive Listings.
• Repeatedly post duplicate Listings.
• Manipulate search rankings.
• Use automated posting software.
• Use bots.
• Generate fake enquiries.
• Create fake accounts.
• Abuse promotional features.
• Circumvent Platform limits.

12.10 Misuse of Contact Information

Users shall not obtain or use contact information available through the Platform for:

• Unsolicited marketing.
• Bulk messaging.
• Spam.
• Harassment.
• Threats.
• Identity theft.
• Data collection.
• Sale of personal information.
• Any purpose unrelated to the genuine financial requirement associated with the Listing.

12.11 Harassment and Abuse

Users shall not engage in:

• Threatening behaviour.
• Intimidation.
• Abuse.
• Harassment.
• Stalking.
• Defamation.
• Hate speech.
• Discrimination.
• Offensive communications.
• Sexual harassment.

The Company may immediately remove such content and take enforcement action.

12.12 Intellectual Property Violations

Users shall not upload or publish content that infringes:

• Copyright.
• Trademark.
• Patent.
• Design rights.
• Trade secrets.
• Confidential business information.
• Other intellectual property rights.

The Company may remove infringing content upon receiving a valid complaint or where infringement is otherwise identified.

12.13 Malicious Software

Users shall not upload or distribute:

• Viruses.
• Malware.
• Ransomware.
• Spyware.
• Trojan horses.
• Malicious scripts.
• Harmful executable files.
• Code intended to compromise Platform security.

12.14 Unauthorized Access

Users shall not:

• Attempt unauthorized access.
• Circumvent authentication systems.
• Exploit security vulnerabilities.
• Reverse engineer Platform security.
• Attempt account takeover.
• Use stolen credentials.
• Interfere with Platform infrastructure.

12.15 Automated Access

Except where expressly authorized by the Company, Users shall not:

• Use scraping tools.
• Use automated bots.
• Use crawlers.
• Mine Platform data.
• Extract Listings in bulk.
• Perform automated account creation.
• Conduct automated messaging.

12.16 Regulatory Violations

Users shall comply with all applicable laws, including those relating to:

• Financial services.
• Consumer protection.
• Data protection.
• Electronic communications.
• Taxation.
• Anti-money laundering.
• Competition law.
• Intellectual property.
• Cybersecurity.
• Failure to comply may result in immediate enforcement action.

12.17 Reporting Violations

Users are encouraged to report suspected:

• Fraud.
• Fake Listings.
• Fake businesses.
• Identity theft.
• Misleading content.
• Illegal activity.
• Harassment.
• Intellectual property violations.
• Security incidents.
• Reports should be submitted through official Company reporting channels.

12.18 Investigation Authority

The Company may investigate suspected violations by:

• Reviewing Listings.
• Reviewing Account activity.
• Reviewing uploaded documents.
• Reviewing verification information.
• Examining technical logs.
• Requesting additional information.
• Consulting third-party service providers.
• Cooperating with regulators.
• Cooperating with law enforcement agencies.

12.19 Enforcement Measures

Where a violation is identified or reasonably suspected, the Company may take one or more of the following actions:

• Issue warnings.
• Remove Listings.
• Restrict visibility.
• Suspend Listings.
• Suspend Accounts.
• Terminate Accounts.
• Restrict Platform features.
• Revoke Memberships.
• Cancel Premium Services.
• Freeze Credits, where permitted by applicable policy.
• Report unlawful conduct to competent authorities.
• Initiate civil or criminal legal proceedings where appropriate.

12.20 Emergency Enforcement

The Company may take immediate enforcement action without prior notice where it reasonably believes that:

Users may suffer immediate harm.

• Fraud is ongoing.
• Financial crime is suspected.
• Platform security is compromised.
• Legal obligations require immediate action.
• Delay may expose the Company or Users to material risk.

12.21 Preservation of Evidence

Where enforcement action is taken, the Company may preserve:

• Listings.
• Documents.
• Chat records (subject to applicable law).
• Login records.
• Device information.
• Transaction records.
• Audit logs.
• Technical evidence.

Such information may be retained for investigation, dispute resolution, legal compliance, or law enforcement purposes.

12.22 Cooperation with Authorities

Where required by applicable law or lawful requests from competent authorities, SMARTAXIS PRIVATE LIMITED may disclose relevant information and cooperate with:

• Courts.
• Law enforcement agencies.
• Regulatory authorities.
• Government departments.
• Statutory bodies.
• Such cooperation shall be subject to applicable legal requirements and the Company's Privacy Policy.

12.23 No Obligation to Monitor All Content

Although the Company may use automated tools, artificial intelligence, manual moderation, and user reports to identify prohibited activities, the Company is not obligated to proactively monitor every Listing, document, communication, or User activity on the Platform.

Failure to detect a violation shall not constitute approval, endorsement, or acceptance of the prohibited activity.

12.24 User Indemnity

The User agrees to indemnify and hold harmless SMARTAXIS PRIVATE LIMITED, its directors, officers, employees, affiliates, and agents against any claims, losses, liabilities, penalties, damages, costs, or expenses arising from:

• Publication of prohibited content.
• Fraudulent conduct.
• Illegal activities.
• Regulatory violations.
• Intellectual property infringement.
• Misuse of the Platform.
• Violation of these Terms.

This obligation survives suspension, termination, or closure of the User's Account.

12.25 Chapter Summary

This Chapter establishes the Platform's enforcement framework by identifying prohibited Listings, fraudulent activities, unlawful conduct, and misuse of the FinDeals Platform. It grants SMARTAXIS PRIVATE LIMITED broad authority to investigate violations, remove content, suspend or terminate Accounts, preserve evidence, and cooperate with competent authorities where necessary. Users remain solely responsible for ensuring that all activities conducted through the Platform are lawful, accurate, and compliant with these Terms and applicable laws.

Chapter 13 — LISTING MODERATION, REVIEW & CONTENT GOVERNANCE

13.1 Purpose

The purpose of this Chapter is to establish the policies and procedures governing the moderation, review, classification, approval, restriction, and removal of Financial Requirement Listings and other User-generated content published on the FinDeals Platform.

SMARTAXIS PRIVATE LIMITED is committed to maintaining a lawful, secure, transparent, and trustworthy Platform. Accordingly, the Company may implement moderation measures to protect Users, comply with applicable laws, and preserve the integrity of the Platform.

13.2 Company's Role

The Company operates FinDeals as a technology platform that facilitates the publication and discovery of Financial Requirement Listings.

The Company does not act as:

• A financial advisor.
• A lender.
• A borrower.
• A broker.
• An investment manager.
• An escrow agent.
• A guarantor.
• A legal representative of Users.

Moderation activities performed by the Company shall not be interpreted as assuming responsibility for User-generated content.

13.3 Moderation Methods

The Company may moderate Listings using one or more of the following methods:

• Automated systems.
• Artificial Intelligence (AI).
• Machine learning technologies.
• Rule-based moderation.
• Manual review.
• Community reports.
• Complaint investigations.
• Random quality audits.
• Regulatory review.
• Third-party moderation services.

The Company may modify its moderation processes at any time to improve Platform safety and efficiency.

13.4 Pre-Publication Review

Certain Listings may be reviewed before publication.

Such review may include verification of:

• Listing category.
• Completeness of information.
• Compliance with Platform policies.
• Technical quality.
• Duplicate content.
• Fraud indicators.
• Security concerns.
• Regulatory requirements.

Pre-publication review does not constitute verification, certification, or endorsement of the Listing.

13.5 Post-Publication Review

Listings may also be reviewed after publication based on:

• User complaints.
• Automated detection systems.
• Periodic audits.
• Fraud investigations.
• Changes in applicable law.
• Platform policy updates.
• Regulatory requests.

The Company may take appropriate action following such reviews.

13.6 No Obligation to Approve Every Listing

The Company reserves the right to:

• Approve a Listing.
• Reject a Listing.
• Delay publication.
• Request additional information.
• Require corrections.
• Remove a Listing.
• Restrict visibility.
• Archive a Listing.

The Company is under no obligation to publish every submitted Listing.

13.7 Classification and Categorization

The Company may classify, reclassify, or recategorize Listings where necessary to:

• Improve search accuracy.
• Enhance User experience.
• Improve discoverability.
• Maintain Platform consistency.
• Comply with regulatory requirements.
• Such classification does not affect the User's ownership of the Listing.

13.8 Quality Review

The Company may evaluate Listings for quality factors including:

• Clarity.
• Completeness.
• Readability.
• Relevance.
• Accuracy.
• Image quality.
• Duplicate content.
• Compliance with Platform standards.
• Poor-quality Listings may receive reduced visibility or be returned for correction.

13.9 Duplicate Detection

The Company may identify Listings that are substantially similar or identical.

Where duplicate Listings are detected, the Company may:

• Merge Listings.
• Remove duplicate Listings.
• Reduce visibility.
• Restrict publication.
• Suspend repeat offenders.

13.10 Artificial Intelligence Assistance

The Company may use Artificial Intelligence technologies to assist with:

• Spam detection.
• Fraud detection.
• Content categorization.
• Image analysis.
• Duplicate detection.
• Language moderation.
• Risk scoring.
• Search optimization.
• AI-assisted moderation supports, but does not replace, human judgment.

Users acknowledge that automated systems may occasionally produce inaccurate results.

13.11 Human Review

Where appropriate, Company personnel may manually review Listings to:

• Investigate complaints.
• Verify policy compliance.
• Resolve moderation disputes.
• Assess fraud risks.
• Review appeals.
• Improve moderation quality.
• Human reviewers may override automated moderation decisions where appropriate.

13.12 User Reports

Users may report Listings believed to:

• Be fraudulent.
• Be misleading.
• Violate applicable law.
• Infringe intellectual property rights.
• Contain offensive material.
• Promote scams.
• Violate these Terms.
• Submission of a report does not guarantee removal of the reported Listing.

13.13 Complaints and Investigations

Upon receiving a complaint, the Company may:

• Review the Listing.
• Contact the Listing owner.
• Request clarification.
• Request supporting documents.
• Temporarily restrict visibility.
• Suspend publication.
• Remove the Listing.
• Initiate further investigation.

The Company may determine the appropriate response based on the facts available.

13.14 Temporary Removal

The Company may temporarily remove or hide a Listing while:

• Conducting investigations.
• Reviewing complaints.
• Completing verification.
• Addressing legal requirements.
• Responding to regulatory requests.
• Resolving technical issues.
• Temporary removal does not imply that a violation has occurred.

13.15 Permanent Removal

The Company may permanently remove Listings that:

• Violate these Terms.
• Violate applicable law.
• Promote fraudulent activities.
• Mislead Users.
• Repeatedly violate Platform standards.
• Infringe third-party rights.
• Create unacceptable legal or operational risks.
• Removal may occur without prior notice where permitted by applicable law.

13.16 Appeals

Where the Company provides an appeals process, Users may request reconsideration of certain moderation decisions.

The Company may require:

• Additional information.
• Supporting documentation.
• Identity verification.
• Clarification of disputed facts.

The Company's final decision shall be binding, subject to applicable law.

13.17 Transparency Measures

The Company may, but is not obligated to:

• Notify Users of moderation actions.
• Explain moderation decisions.
• Provide reasons for rejection.
• Identify applicable policy provisions.
• Publish moderation guidelines.

Nothing in this Section obligates the Company to disclose confidential moderation methodologies, fraud detection techniques, security measures, or proprietary algorithms.

13.18 Preservation of Moderation Records

The Company may retain records relating to moderation activities, including:

• Complaints.
• Review notes.
• Investigation records.
• Evidence submitted.
• Communication logs.
• Moderation decisions.
• Audit records.
• Such records may be retained for legal, regulatory, audit, fraud prevention, or security purposes.

13.19 Regulatory Compliance

Where required by applicable law, the Company may:

• Remove unlawful content.
• Restrict prohibited Listings.
• Preserve evidence.
• Report unlawful activities.
• Cooperate with competent authorities.

Nothing in this Chapter limits the Company's obligations under applicable laws or lawful government directions.

13.20 No Liability for Moderation Decisions

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for any direct or indirect loss arising solely from good-faith moderation decisions, including:

• Rejection of Listings.
• Delay in publication.
• Removal of Listings.
• Restriction of visibility.
• Temporary suspension.
• Content reclassification.
• Nothing in this clause excludes liability where such exclusion is prohibited by applicable law.

13.21 Continuous Improvement

The Company may periodically revise its moderation standards, technologies, workflows, and policies to:

• Improve Platform safety.
• Enhance User trust.
• Strengthen fraud prevention.
• Meet regulatory expectations.
• Improve operational efficiency.

Users are responsible for complying with the latest version of applicable Platform policies.

13.22 Chapter Summary

This Chapter establishes the moderation and governance framework for User-generated content on the FinDeals Platform. It grants SMARTAXIS PRIVATE LIMITED the authority to review, classify, moderate, restrict, remove, and investigate Listings while balancing Platform integrity, User safety, and legal compliance. Moderation activities are performed to improve the quality and security of the Platform and do not constitute endorsement, verification, or acceptance of User-generated content.

Chapter 14 — BUSINESS MEMBERS & SERVICE PROVIDERS

14.1 Purpose

The purpose of this Chapter is to establish the legal framework governing the registration, eligibility, verification, rights, responsibilities, and obligations of Business Members and Service Providers using the FinDeals Platform.

Business Members play an important role in responding to Financial Requirement Listings and offering lawful financial or related professional services through the Platform.

Registration as a Business Member does not create any partnership, agency, employment, franchise, joint venture, or fiduciary relationship between the Business Member and SMARTAXIS PRIVATE LIMITED.

14.2 Business Member Definition

A Business Member is a registered User who has been approved by the Company to participate on the Platform in a commercial or professional capacity.

Business Members may use designated Platform features available under their Membership Plan.

Approval as a Business Member grants access only to the Platform features specifically assigned by the Company and does not confer any exclusive rights unless expressly stated.

14.3 Eligible Business Members

Subject to applicable laws and Company approval, Business Members may include:

• Banks
• Non-Banking Financial Companies (NBFCs)
• Housing Finance Companies (HFCs)
• Registered Cooperative Credit Societies
• Microfinance Institutions
• Loan Consultants
• Direct Selling Agents (DSAs)
• Financial Advisors
• Investment Advisors (where licensed)
• Insurance Companies
• Insurance Agents
• Insurance Brokers
• Chartered Accountants
• Company Secretaries
• Cost Accountants
• Advocates and Law Firms
• FinTech Companies
• Mortgage Consultants
• Property Finance Consultants
• Gold Loan Providers
• Vehicle Finance Providers
• Equipment Finance Providers
• Agricultural Finance Consultants
• MSME Consultants
• Startup Funding Consultants
• Business Consultants
• Recovery Agencies (where legally permitted)
• Valuation Professionals
• Other lawful financial or professional service providers approved by the Company.

The Company may expand or modify eligible Business categories at its discretion.

14.4 Eligibility Requirements

To register as a Business Member, an applicant shall:

• Be legally competent to enter into binding contracts.
• Operate a lawful business.
• Possess all licences, registrations, approvals, or certifications required by applicable law.
• Provide complete and accurate registration information.
• Agree to these Terms and all applicable Platform Policies.
• Complete any verification process required by the Company.

The Company may establish additional eligibility requirements for specific categories of Business Members.

14.5 Business Registration Information

The Company may require Business Members to provide information including:

• Business Name.
• Legal Entity Name.
• Trade Name.
• Constitution of Business.
• Registration Number.
• GST Number (where applicable).
• PAN (where legally required).
• Registered Office Address.
• Branch Address.
• Contact Person.
• Mobile Number.
• Email Address.
• Website.
• Business Categories.
• Operating Areas.
• Years of Experience.
• Licences.
• Regulatory Registrations.
• Other information reasonably required by the Company.

The Company may revise information requirements from time to time.

14.6 Verification of Business Members

The Company may verify Business Members using one or more verification procedures, including:

• Business Registration Verification.
• Licence Verification.
• Identity Verification.
• GST Verification.
• Address Verification.
• Website Verification.
• Regulatory Registration Verification.
• Manual Review.
• AI-assisted Review.
• Third-party Verification Services.
• Verification shall be governed by Chapter 7 of these Terms.

14.7 Continuing Compliance

Business Members shall continuously maintain:

• Valid licences.
• Required registrations.
• Regulatory approvals.
• Professional qualifications.
• Business authorization.
• Compliance with applicable laws.

Business Members shall promptly notify the Company if any licence, registration, approval, or authorization expires, is suspended, cancelled, or materially changes.

14.8 Business Profile

Business Members may create and maintain a Business Profile containing:

• Business Name.
• Logo.
• Description.
• Office Address.
• Service Areas.
• Business Categories.
• Contact Information.
• Working Hours.
• Verification Status.
• Membership Status.
• Other information permitted by the Company.

Business Members remain solely responsible for ensuring that all Business Profile information is accurate and current.

14.9 Professional Conduct

Business Members shall conduct themselves in a professional, ethical, and lawful manner.

Business Members shall:

• Treat Users fairly.
• Communicate respectfully.
• Provide accurate information.
• Honour lawful commitments.
• Avoid misleading statements.
• Respond responsibly to enquiries.
• Maintain confidentiality where appropriate.
• Comply with applicable consumer protection laws.

14.10 Regulatory Responsibility

Each Business Member is solely responsible for complying with all applicable:

• Financial regulations.
• RBI regulations (where applicable).
• Tax laws.
• Consumer protection laws.
• Anti-money laundering laws.
• Data protection laws.
• Professional regulations.
• Industry-specific regulations.

The Company does not monitor or guarantee ongoing regulatory compliance by Business Members.

14.11 No Endorsement

Registration or verification of a Business Member does not constitute:

• A recommendation.
• An endorsement.
• A certification.
• A guarantee of service quality.
• A guarantee of financial capability.
• A guarantee of regulatory compliance.
• A guarantee of future performance.

Users shall independently evaluate every Business Member before entering into any commercial relationship.

14.12 Communication with Users

Business Members shall communicate with Users only through lawful, respectful, and professional means.

Business Members shall not:

• Harass Users.
• Threaten Users.
• Use abusive language.
• Send spam.
• Contact Users for unrelated marketing.
• Misuse Contact Unlock information.
• Misrepresent Platform affiliation.
• All communications shall comply with applicable law and these Terms.

14.13 Business Member Responsibilities

Every Business Member shall:

• Maintain accurate business information.
• Protect Account credentials.
• Use Platform features lawfully.
• Respect User privacy.
• Protect confidential information.
• Respond truthfully to enquiries.
• Maintain valid regulatory authorizations.
• Pay applicable Membership fees.
• Comply with all Platform Policies.

14.14 Prohibited Conduct

Business Members shall not:

• Impersonate another business.
• Operate without required licences.
• Offer unlawful financial services.
• Publish false advertisements.
• Misrepresent approvals.
• Make guaranteed approval claims.
• Demand unlawful advance payments.
• Engage in fraudulent activities.
• Circumvent Platform systems.
• Misuse User information.

Violations may result in suspension, termination, legal action, or reporting to competent authorities.

14.15 Business Member Ratings and Reviews

Where the Platform permits ratings or reviews:

• Reviews shall reflect genuine experiences.
• Fake reviews are prohibited.
• Manipulation of ratings is prohibited.
• Purchasing or selling reviews is prohibited.

The Company may remove reviews that violate Platform Policies.

Publication of ratings or reviews does not constitute endorsement by the Company.

14.16 Membership Plans

Access to Business Member features may depend upon the Membership Plan selected by the Business Member.

Available features may include:

• Business Dashboard.
• Contact Unlock.
• Premium Highlight.
• Credits.
• Lead Management.
• Analytics.
• District Access.
• State Access.
• National Access.
• Additional premium services introduced by the Company.
• Membership benefits shall be governed by the applicable Membership Terms.

14.17 Suspension or Termination

The Company may suspend, restrict, or terminate a Business Member Account where:

• Regulatory violations are identified.
• Fraud is suspected.
• Licences expire.
• False information is submitted.
• These Terms are violated.
• Platform abuse occurs.
• Court orders require action.
• Applicable law requires action.
• Enforcement shall be governed by Chapter 9.

14.18 Limitation of Company's Role

SMARTAXIS PRIVATE LIMITED provides only the technology platform through which Business Members and Users may connect.

The Company:

• Does not employ Business Members.
• Does not supervise their professional services.
• Does not negotiate transactions.
• Does not collect repayments.
• Does not approve loans.
• Does not guarantee funding.
• Does not verify every representation made by Business Members.

Business Members remain solely responsible for all professional advice, financial services, products, negotiations, contracts, and transactions they undertake.

14.19 Indemnity

Each Business Member agrees to indemnify, defend, and hold harmless SMARTAXIS PRIVATE LIMITED, its directors, officers, employees, affiliates, and agents against any claims, losses, damages, liabilities, penalties, costs, or expenses arising from:

• Business activities.
• Regulatory violations.
• Professional negligence.
• Misrepresentation.
• Fraudulent conduct.
• Breach of applicable law.
• Breach of these Terms.

This indemnity shall survive termination of the Business Member's Account.

14.20 Chapter Summary

This Chapter establishes the legal framework governing Business Members and Service Providers on the FinDeals Platform. It defines eligibility requirements, registration obligations, verification procedures, professional responsibilities, regulatory compliance, and the Company's limited role as a technology platform. Business Members remain solely responsible for the legality, quality, and compliance of the financial and professional services they offer through or in connection with the Platform.

Chapter 15 — BUSINESS DASHBOARD

15.1 Purpose

The purpose of this Chapter is to establish the legal framework governing the Business Dashboard made available to eligible Business Members on the FinDeals Platform.

The Business Dashboard is a proprietary software interface developed and operated by SMARTAXIS PRIVATE LIMITED to enable Business Members to manage their activities, Memberships, Listings, Credits, Contact Unlocks, and other Platform services.

Access to the Business Dashboard is a privilege granted by the Company and not a legal right.

15.2 Business Dashboard

The Business Dashboard is a secure online management portal that enables eligible Business Members to access and manage various Platform features.

Depending upon the applicable Membership Plan, the Dashboard may include:

• Profile Management
• Membership Management
• Credits Balance
• Contact Unlock History
• Financial Requirement Responses
• Premium Highlight Management
• Listing Management
• Geographic Access Settings
• Notifications
• Payment History
• Invoices
• Reports
• Analytics
• Customer Support
• Other features introduced by the Company.

The Company may modify Dashboard features without prior notice.

15.3 Eligibility

Access to the Business Dashboard is available only to:

• Approved Business Members.
• Authorized representatives of Business Members.
• Other Users specifically approved by the Company.

The Company may establish additional eligibility requirements at its discretion.

15.4 Access Rights

The Company grants Business Members a limited, non-exclusive, non-transferable, revocable licence to access and use the Business Dashboard solely for lawful business activities conducted through the FinDeals Platform.

This licence:

• Does not transfer ownership.
• Cannot be sublicensed.
• Cannot be assigned without written approval.
• May be revoked at any time in accordance with these Terms.

15.5 Authorized Users

A Business Member shall ensure that only authorized persons access its Dashboard.

Business Members are responsible for:

• Internal access control.
• Employee access.
• Consultant access.
• Password management.
• Device security.
• Monitoring Dashboard usage.

All Dashboard activities shall be deemed to have been performed by the Business Member unless proven otherwise.

15.6 Dashboard Functions

The Dashboard may allow Business Members to:

• View available Financial Requirement Listings.
• Unlock User contact details (subject to applicable plans and Credits).
• Purchase Memberships.
• Purchase Credits.
• Manage Business Profile.
• Monitor enquiry history.
• Download invoices.
• Update business information.
• Submit verification documents.
• Access reports and analytics.
• Receive Platform notifications.
• Manage Premium services.
• Availability of functions depends on the selected Membership Plan.

15.7 Business Analytics

The Company may provide analytical information including:

• Number of Listings viewed.
• Contact Unlock history.
• Response statistics.
• Geographic activity.
• Membership usage.
• Credits usage.
• Dashboard activity.
• Other business insights.
• Such analytics are provided solely for informational purposes.

The Company does not guarantee their completeness, accuracy, or suitability for any business decision.

15.8 Notifications

The Dashboard may display notifications relating to:

• New Financial Requirement Listings.
• Membership expiry.
• Credits balance.
• Contact Unlock confirmations.
• Verification requests.
• Policy updates.
• Security alerts.
• Payment confirmations.
• Promotional offers.
• System maintenance.
• Business Members remain responsible for reviewing Dashboard notifications regularly.

15.9 Dashboard Availability

The Company shall use commercially reasonable efforts to maintain Dashboard availability.

However, uninterrupted access cannot be guaranteed.

The Dashboard may become unavailable due to:

• Scheduled maintenance.
• Emergency maintenance.
• Security incidents.
• Internet failures.
• Technical upgrades.
• Third-party service interruptions.
• Force majeure events.
• Temporary unavailability shall not constitute a breach of these Terms.

15.10 Dashboard Security

Business Members shall protect Dashboard access by:

• Keeping login credentials confidential.
• Using secure devices.
• Logging out after use.
• Preventing unauthorized access.
• Immediately reporting suspected compromise.
• Following Company security instructions.

The Company may implement additional authentication requirements whenever necessary.

15.11 Dashboard Data

The Dashboard may contain:

• Business information.
• Membership records.
• Credits information.
• Contact Unlock history.
• Financial Requirement interactions.
• Payment records.
• Invoices.
• Reports.
• Notifications.
• Other Platform information.
• Business Members shall use Dashboard information solely for lawful business purposes.

15.12 Confidential Dashboard Information

Information available through the Dashboard may contain confidential or proprietary information belonging to:

The Company.

• Users.
• Business Members.
• Third-party service providers.

Business Members shall not disclose, reproduce, distribute, sell, or exploit confidential Dashboard information except as permitted by these Terms or applicable law.

15.13 Dashboard Restrictions

Business Members shall not:

• Reverse engineer the Dashboard.
• Copy Dashboard software.
• Modify Platform code.
• Attempt unauthorized access.
• Circumvent technical restrictions.
• Use automated software.
• Scrape Dashboard data.
• Interfere with Platform operations.
• Exploit software vulnerabilities.
• Violation of this Section may result in immediate suspension or termination.

15.14 Dashboard Updates

The Company may periodically:

• Add new features.
• Remove existing features.
• Modify functionality.
• Improve performance.
• Introduce security enhancements.
• Change Dashboard layout.
• Update technical architecture.
• Business Members acknowledge that Dashboard functionality may evolve over time.

15.15 Service Integrations

The Dashboard may integrate with:

• Payment gateways.
• SMS providers.
• Email services.
• WhatsApp Business services.
• Verification providers.
• Analytics providers.
• AI-powered tools.
• Other third-party services approved by the Company.

The Company is not responsible for interruptions caused solely by third-party services.

15.16 Suspension of Dashboard Access

The Company may temporarily suspend Dashboard access where:

• Membership expires.
• Fraud is suspected.
• Security risks exist.
• Regulatory action is required.
• Payments remain outstanding.
• These Terms are violated.
• Technical maintenance is necessary.
• Suspension of Dashboard access does not necessarily terminate the underlying Account.

15.17 Intellectual Property

The Business Dashboard, including its:

• Software.
• User interface.
• Design.
• Layout.
• Graphics.
• Source code.
• Databases.
• Functional architecture.
• Reports.
• Analytics systems.
• is the exclusive intellectual property of SMARTAXIS PRIVATE LIMITED or its licensors.
• Nothing in these Terms transfers ownership of the Dashboard to any Business Member.

15.18 Audit and Logs

The Company may maintain system logs relating to Dashboard activities, including:

• Login history.
• Device information.
• Membership actions.
• Credits transactions.
• Contact Unlock usage.
• Security events.
• Administrative actions.

Such logs may be used for:

• Security.
• Compliance.
• Fraud prevention.
• Customer support.
• Regulatory obligations.
• Dispute resolution.

15.19 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Temporary Dashboard unavailability.
• Internet interruptions.
• Device failures.
• Browser incompatibility.
• Third-party service failures.
• User errors.
• Unauthorized access caused by User negligence.
• Nothing in this clause excludes liability that cannot legally be excluded.

15.20 Chapter Summary

This Chapter establishes the legal framework governing the Business Dashboard provided to eligible Business Members on the FinDeals Platform. It defines access rights, permitted uses, security obligations, dashboard functionality, intellectual property rights, and the Company's authority to update, suspend, or restrict Dashboard access. The Business Dashboard remains a proprietary technology service owned and operated by SMARTAXIS PRIVATE LIMITED, and Business Members receive only a limited right to use it in accordance with these Terms.

Chapter 16 — MEMBERSHIP PLANS & SUBSCRIPTION SERVICES

16.1 Purpose

The purpose of this Chapter is to establish the legal framework governing Membership Plans, subscription services, eligibility, benefits, renewals, upgrades, downgrades, pricing, and related rights and obligations applicable to Business Members on the FinDeals Platform.

Membership Plans are designed to provide Business Members with enhanced access to Platform features and do not constitute financial products or guarantees of business outcomes.

16.2 Membership Plans

SMARTAXIS PRIVATE LIMITED may offer one or more Membership Plans for Business Members.

Membership Plans may include, but are not limited to:

• Free Membership
• Trial Membership
• Monthly Membership
• Quarterly Membership
• Half-Yearly Membership
• Annual Membership
• Promotional Membership
• Enterprise Membership
• Custom Business Plans
• Other Membership Plans introduced by the Company.

The Company reserves the right to introduce, modify, merge, rename, suspend, or discontinue any Membership Plan at its discretion.

16.3 Eligibility

Membership Plans are available only to eligible Users approved as Business Members.

The Company may impose additional eligibility criteria based on:

• Business category.
• Verification status.
• Geographic location.
• Regulatory requirements.
• Platform policies.
• Risk assessment.
• Approval for one Membership Plan does not guarantee eligibility for another.

16.4 Membership Benefits

Depending upon the selected Membership Plan, Business Members may receive access to one or more of the following:

• Business Dashboard.
• Contact Unlock.
• Geographic Access.
• Credits Purchase.
• Premium Highlight.
• Priority Listing Visibility.
• Business Profile Features.
• Analytics.
• Notifications.
• Customer Support.
• Promotional Features.
• Additional premium services introduced by the Company.
• Membership benefits may vary between plans.

16.5 Subscription Period

Membership Plans may be offered for different subscription periods determined by the Company.

Unless otherwise specified, Membership benefits shall commence after:

• Successful payment.
• Payment confirmation.
• Completion of required verification.
• Activation by the Company.

Membership validity shall expire automatically at the end of the applicable subscription period unless renewed.

16.6 Membership Activation

Activation of Membership is subject to:

• Successful payment.
• Compliance with these Terms.
• Completion of required verification.
• Technical activation by the Platform.

The Company may delay activation where verification or technical review is required.

16.7 Membership Renewal

Business Members may renew Membership before or after expiry, subject to the plans available at the time of renewal.

Renewal shall be governed by:

• Current pricing.
• Current Membership features.
• Current Platform policies.
• Applicable taxes.
• Verification requirements.
• Unless expressly stated by the Company, Membership does not automatically renew.

If the Company introduces auto-renewal in the future, it shall obtain any consents required under applicable law.

16.8 Membership Expiry

Upon expiry of a Membership Plan:

• Premium features may cease.
• Dashboard privileges may be limited.
• Geographic access may be restricted.
• Contact Unlock privileges may end.
• Premium Highlight may expire.
• Analytics access may be reduced.
• Other Membership benefits may be suspended.

The underlying User Account may continue to exist unless separately suspended or terminated.

16.9 Upgrades

Business Members may upgrade their Membership Plans where such upgrades are offered by the Company.

Upgrades may:

• Increase available features.
• Expand geographic access.
• Improve service limits.
• Enable additional premium tools.
• Provide enhanced business functionality.
• Upgrades shall become effective only after successful payment and activation.

16.10 Downgrades

Business Members may downgrade Membership Plans where permitted by the Company.

Downgrading may result in:

• Loss of premium features.
• Reduced Dashboard functionality.
• Lower service limits.
• Reduced geographic access.
• Reduced visibility.
• Other restrictions applicable to the selected plan.

Downgrades shall not entitle the Business Member to refunds except as expressly provided in the applicable Refund Policy.

16.11 Promotional Memberships

The Company may periodically offer:

• Discounted Memberships.
• Trial plans.
• Promotional campaigns.
• Referral benefits.
• Introductory pricing.
• Seasonal offers.
• Business partnerships.
• Coupon-based promotions.

Such offers:

• May be subject to eligibility criteria.
• May be withdrawn without notice.
• May not be combined unless expressly permitted.
• Shall remain subject to these Terms.

16.12 Membership Fees

Membership fees shall be determined solely by the Company.

The Company may revise:

• Subscription fees.
• Renewal fees.
• Upgrade charges.
• Taxes.
• Promotional pricing.
• Payment methods.
• Price revisions shall not affect completed purchases unless required by applicable law.

16.13 Taxes

All Membership fees are exclusive of applicable taxes unless expressly stated otherwise.

Business Members remain responsible for payment of:

• Goods and Services Tax (GST).
• Other applicable indirect taxes.
• Statutory levies imposed under applicable law.

The Company shall issue tax invoices where required by applicable law.

16.14 Non-Transferability

Membership Plans:

• Are personal to the registered Business Member.
• Cannot be sold.
• Cannot be transferred.
• Cannot be sublicensed.
• Cannot be assigned.
• Cannot be shared between unrelated businesses.

The Company may suspend Memberships found to have been transferred without authorization.

16.15 Modification of Membership Features

The Company may modify Membership features from time to time in order to:

• Improve services.
• Enhance security.
• Introduce new technology.
• Meet regulatory requirements.
• Improve User experience.
• Respond to market conditions.

Such modifications may include:

• Adding features.
• Removing features.
• Changing usage limits.
• Changing eligibility criteria.
• Replacing existing services.

Where reasonably practicable, material changes affecting active Memberships may be communicated through the Platform or other official communication channels.

16.16 Suspension of Membership Benefits

The Company may suspend Membership benefits where:

• Payments fail.
• Fraud is suspected.
• Verification expires.
• Platform abuse occurs.
• These Terms are violated.
• Regulatory action requires suspension.
• Security concerns exist.
• Suspension of Membership benefits does not necessarily terminate the underlying User Account.

16.17 Cancellation by Business Member

Business Members may cancel future renewals of Membership at any time through the procedures made available by the Company.

Unless expressly provided in the applicable Refund Policy:

Cancellation does not entitle the Business Member to a refund for the unused portion of the subscription.

• Membership benefits may continue until the end of the paid subscription period.

16.18 No Guarantee of Business Results

Purchase of a Membership Plan does not guarantee:

• Loan approvals.
• Funding.
• Business opportunities.
• Number of enquiries.
• Number of Listings viewed.
• Number of Contact Unlocks by other Users.
• Revenue.
• Profits.
• Customer acquisition.
• Business success.
• Membership provides access only to the features and benefits described by the applicable plan.

16.19 Limitation of Company's Obligations

The Company does not guarantee:

• Continuous Membership availability.
• Availability of every advertised feature at all times.
• Compatibility with every device.
• Uninterrupted Platform access.
• Business growth.
• Commercial success.

The Company shall use commercially reasonable efforts to provide Membership services in accordance with these Terms.

16.20 Chapter Summary

This Chapter establishes the legal framework governing Membership Plans and Subscription Services available to Business Members on the FinDeals Platform. It defines eligibility, activation, renewals, upgrades, downgrades, fees, taxes, and the Company's authority to modify Membership features. Membership Plans provide access to specified Platform services only and do not constitute a guarantee of leads, transactions, funding, or commercial success.

Chapter 17 — GEOGRAPHIC ACCESS PLANS

17.1 Purpose

The purpose of this Chapter is to establish the legal framework governing Geographic Access Plans offered by SMARTAXIS PRIVATE LIMITED to eligible Business Members.

Geographic Access Plans determine the geographical scope within which a Business Member may discover, view, respond to, or otherwise interact with Financial Requirement Listings available on the FinDeals Platform.

Access rights granted under this Chapter are limited licences and do not constitute ownership of any geographic territory or exclusive commercial rights.

17.2 Geographic Access Plans

The Company may offer one or more Geographic Access Plans, including but not limited to:

• District Access Plan
• State Access Plan
• National Access Plan
• Regional Access Plan
• Multi-State Access Plan
• Custom Enterprise Access Plan
• Other Geographic Access Plans introduced by the Company.

The Company may introduce, modify, merge, rename, suspend, or discontinue Geographic Access Plans at its discretion.

17.3 Purpose of Geographic Access

Geographic Access Plans are intended to:

• Improve relevance of Financial Requirement Listings.
• Enable Business Members to focus on their operational areas.
• Reduce unnecessary competition.
• Improve response quality.
• Enhance User experience.
• Support efficient business operations.

The Company may use geographic information provided by Users to determine Listing visibility.

17.4 Access Rights

Subject to the applicable Membership Plan and Geographic Access Plan, Business Members may be permitted to:

• View eligible Financial Requirement Listings.
• Unlock contact details.
• Respond to Listings.
• Receive notifications.
• Access regional analytics.
• Participate in promotional opportunities.
• Access rights are limited to the geographic areas assigned under the applicable plan.

17.5 Geographic Areas

For operational purposes, the Company may define geographic areas including:

• Village
• Mandal / Taluk / Tehsil
• Town
• City
• District
• Division
• State
• Union Territory
• Region
• National Territory
• Other geographic classifications adopted by the Company.

The Company may revise geographic boundaries or classifications from time to time.

17.6 District Access Plan

A Business Member enrolled in a District Access Plan may be permitted to access eligible Listings originating from the selected District, subject to:

• Membership validity.
• Applicable Credits.
• Platform availability.
• Listing visibility rules.
• Other eligibility requirements.
• District Access does not guarantee exclusivity within the District.

17.7 State Access Plan

A Business Member enrolled in a State Access Plan may access eligible Listings within the selected State, subject to applicable Platform rules.

State Access includes only those areas designated by the Company within the selected State.

The Company may impose reasonable usage limits based on the selected Membership Plan.

17.8 National Access Plan

Business Members enrolled in a National Access Plan may access eligible Listings across multiple States or throughout India, as determined by the Company.

National Access remains subject to:

• Membership validity.
• Credits availability.
• Platform policies.
• Regulatory restrictions.
• Technical limitations.

17.9 Geographic Selection

Business Members may select available geographic areas during:

• Registration.
• Membership purchase.
• Membership renewal.
• Upgrade.
• Dashboard management.

The Company may require additional verification before approving certain geographic selections.

17.10 Change of Geographic Access

Business Members may request modification of their Geographic Access Plan where permitted by the Company.

Changes may include:

• District upgrades.
• State upgrades.
• National upgrades.
• Area reductions.
• Geographic transfers.
• Additional geographic coverage.

Approval remains subject to:

• Availability.
• Membership eligibility.
• Applicable fees.
• Verification requirements.

17.11 Non-Exclusive Rights

Geographic Access Plans are non-exclusive.

Multiple Business Members may receive access to the same:

• District.
• State.
• Region.
• National territory.

Nothing contained in these Terms grants any Business Member an exclusive right to operate within any geographic area.

17.12 Geographic Availability

The Company does not guarantee that Financial Requirement Listings will always be available within every geographic area.

Listing availability depends upon:

• User activity.
• Listing volume.
• Platform growth.
• Market demand.
• Geographic participation.
• Business Members acknowledge that some areas may experience fewer Listings than others.

17.13 Geographic Restrictions

The Company may restrict access to certain geographic areas where:

• Regulatory requirements apply.
• Technical limitations exist.
• Fraud risks are identified.
• Platform abuse occurs.
• Security concerns arise.
• Legal restrictions require such action.
• Such restrictions may be temporary or permanent.

17.14 Geographic Filters

The Platform may allow Business Members to filter Listings based on:

• State.
• District.
• City.
• Category.
• Financial requirement type.
• Amount.
• Date of publication.
• Verification status.
• Other search criteria.
• Availability of filters may vary depending on Membership Plan.

17.15 Expansion of Geographic Services

The Company may expand Platform availability to:

• Additional districts.
• Additional States.
• New territories.
• International jurisdictions.
• Expansion shall occur at the Company's sole discretion and subject to applicable laws.

17.16 Suspension of Geographic Access

The Company may suspend Geographic Access where:

• Membership expires.
• Required payments are not completed.
• Fraud is suspected.
• Verification lapses.
• These Terms are violated.
• Regulatory action requires suspension.
• Platform security requires restriction.
• Suspension of Geographic Access does not necessarily terminate the underlying User Account.

17.17 Geographic Data Accuracy

Business Members acknowledge that geographic information displayed on the Platform is primarily based on information submitted by Users.

The Company does not guarantee the accuracy, precision, or completeness of:

• User locations.
• Property locations.
• Business addresses.
• Geographic classifications.

Business Members are responsible for independently verifying location information before entering into any transaction.

17.18 No Guarantee of Leads

Enrollment in any Geographic Access Plan does not guarantee:

• A minimum number of Listings.
• A minimum number of Contact Unlock opportunities.
• Business enquiries.
• Customer acquisition.
• Loan conversions.
• Revenue.
• Profit.
• Commercial success.

Geographic Access only provides eligibility to access Listings within the applicable geographic scope.

17.19 Company's Right to Modify Geographic Access

The Company may modify Geographic Access Plans where reasonably necessary to:

• Improve Platform operations.
• Enhance User experience.
• Comply with applicable laws.
• Improve security.
• Optimize Platform performance.
• Respond to market conditions.

Where reasonably practicable, material changes affecting active subscriptions may be communicated through official Platform channels.

17.20 Chapter Summary

This Chapter establishes the legal framework governing Geographic Access Plans on the FinDeals Platform. It defines the rights and limitations associated with District, State, National, and other geographic access levels, while clarifying that such access is non-exclusive, subject to Membership eligibility, and does not guarantee business opportunities, Listing volume, or commercial success. SMARTAXIS PRIVATE LIMITED retains the authority to modify geographic classifications, access rules, and coverage areas in accordance with these Terms and applicable law.

Chapter 18 — CREDITS SYSTEM

18.1 Purpose

The purpose of this Chapter is to establish the legal framework governing the purchase, allocation, use, validity, expiration, suspension, forfeiture, and management of Credits available on the FinDeals Platform.

Credits are a proprietary digital usage entitlement provided by SMARTAXIS PRIVATE LIMITED that enables eligible Business Members to access certain Platform features.

Credits are not a financial product, payment instrument, stored value, electronic money, cryptocurrency, security, deposit, prepaid payment instrument, or bank account.

18.2 Definition of Credits

"Credits" are non-transferable digital units issued by SMARTAXIS PRIVATE LIMITED solely for use within the FinDeals Platform.

Credits may be used only for Platform features designated by the Company.

Credits have no independent value outside the Platform.

18.3 Purpose of Credits

Credits may be used for one or more Platform services including:

• Contact Unlock
• Premium Highlight
• Featured Promotions
• Priority Responses
• Premium Business Tools
• Additional Dashboard Features
• Listing Boost Services
• AI-powered Services
• Future premium services introduced by the Company.

The Company may modify the permitted uses of Credits at any time.

18.4 Purchase of Credits

Eligible Business Members may purchase Credits using payment methods approved by the Company.

Credit purchases become effective only after:

• Successful payment.
• Payment confirmation.
• Fraud screening.
• Technical processing.

The Company reserves the right to reject or cancel any Credit purchase where fraud, technical errors, or legal concerns are reasonably suspected.

18.5 Allocation of Credits

Credits may be allocated through:

• Purchase by the Business Member.
• Promotional campaigns.
• Referral programs.
• Loyalty rewards.
• Customer support resolutions.
• Marketing initiatives.
• Other programs introduced by the Company.

The Company may determine different validity periods and usage conditions for different categories of Credits.

18.6 No Monetary Value

Credits:

• Are not legal tender.
• Have no cash value.
• Cannot be redeemed for cash.
• Cannot be exchanged for currency.
• Cannot be treated as a bank deposit.
• Do not earn interest.
• Are not investment products.
• Do not represent ownership rights in the Company.

Purchase of Credits grants only a limited licence to use designated Platform features in accordance with these Terms.

18.7 Ownership of Credits

All Credits remain part of the Company's proprietary digital ecosystem.

Business Members receive only a limited, revocable, non-transferable right to use Credits for eligible Platform services.

Nothing in these Terms transfers ownership of Credits to any User.

18.8 Credit Balance

The Company may display the available Credit balance within the Business Dashboard.

Business Members are responsible for reviewing their Credit balance before initiating any Credit-based transaction.

The Company shall use commercially reasonable efforts to maintain accurate balances but reserves the right to correct errors.

18.9 Credit Usage

Credits shall be deducted automatically when a Business Member uses an eligible Credit-based Platform feature.

The applicable Credit requirement for each service shall be determined by the Company and may change from time to time.

The Company may publish current Credit requirements through the Platform.

18.10 Expiration of Credits

Credits may expire after the validity period determined by the Company.

The applicable validity period may vary depending upon:

• Purchased Credits.
• Promotional Credits.
• Complimentary Credits.
• Referral Credits.
• Loyalty Rewards.
• Campaign-specific Credits.

Expired Credits shall automatically become invalid without compensation unless otherwise required by applicable law.

18.11 Promotional Credits

Promotional or complimentary Credits:

• May carry separate validity periods.
• May be subject to additional restrictions.
• May expire earlier than purchased Credits.
• May not be combined with certain offers.
• May not be eligible for refund.

The Company may withdraw promotional campaigns at any time.

18.12 Non-Transferability

Credits:

• Cannot be sold.
• Cannot be transferred.
• Cannot be assigned.
• Cannot be gifted unless expressly permitted.
• Cannot be pledged.
• Cannot be inherited.
• Cannot be exchanged between Accounts.

The Company may cancel Credits transferred in violation of these Terms.

18.13 Refunds

Except where required by applicable law or expressly provided in the Company's Refund Policy:

• Credit purchases are final.
• Credits already used cannot be refunded.
• Expired Credits are not refundable.
• Promotional Credits are not refundable.
• Complimentary Credits are not refundable.

Approved refunds, where applicable, shall be processed in accordance with the Company's Refund Policy.

18.14 Adjustment and Correction

The Company reserves the right to adjust, reverse, suspend, or correct Credit balances where:

• Technical errors occur.
• Duplicate Credits are issued.
• Fraud is detected.
• Payment failures occur.
• Unauthorized transactions are identified.
• Credits are issued in error.
• Regulatory requirements require correction.

Where reasonably practicable, the Company may notify affected Business Members.

18.15 Suspension of Credits

The Company may temporarily suspend the use of Credits where:

• Fraud is suspected.
• Security incidents occur.
• Account verification is pending.
• Payment disputes arise.
• Regulatory investigations are underway.
• These Terms are violated.
• During suspension, Credits may remain unavailable until the relevant issue is resolved.

18.16 Forfeiture of Credits

The Company may permanently cancel or forfeit Credits where:

• An Account is terminated for fraud.
• Credits were obtained unlawfully.
• Payment has been reversed or charged back.
• Promotional conditions are violated.
• Platform abuse is established.
• Applicable law requires forfeiture.
• Forfeiture shall not create any obligation on the Company to provide compensation.

18.17 Credit History

The Company may maintain a history of Credit-related activities including:

• Purchases.
• Usage.
• Expiry.
• Promotional allocations.
• Adjustments.
• Refunds.
• Reversals.
• Forfeitures.

Such records may be used for customer support, fraud prevention, accounting, legal compliance, audits, and dispute resolution.

18.18 No Guarantee of Results

Use of Credits does not guarantee:

• Loan approvals.
• Business enquiries.
• Customer responses.
• Contact availability.
• Successful negotiations.
• Funding.
• Revenue.
• Commercial success.
• Credits merely provide access to eligible Platform features.

18.19 Modification of Credit Policy

The Company may modify the Credits System from time to time, including:

• Credit values.
• Usage requirements.
• Validity periods.
• Eligible services.
• Purchase limits.
• Promotional programs.
• Technical implementation.

Material changes affecting active Business Members may be communicated through official Platform channels where reasonably practicable.

18.20 Taxes

Where applicable, the purchase of Credits may be subject to:

• Goods and Services Tax (GST).
• Other applicable indirect taxes.
• Government levies imposed under applicable law.
• Business Members are responsible for payment of applicable taxes unless otherwise stated.

18.21 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Expiry of Credits in accordance with published validity periods.
• Failure by the Business Member to use Credits before expiration.
• Temporary suspension due to security, fraud prevention, or legal compliance.
• Credit deductions resulting from valid use of Platform services.
• Nothing in this Section excludes liability where such exclusion is prohibited by applicable law.

18.22 Chapter Summary

This Chapter establishes the legal framework governing the Credits System used on the FinDeals Platform. It clarifies that Credits are limited digital usage entitlements issued by SMARTAXIS PRIVATE LIMITED solely for accessing designated Platform features. Credits have no monetary value, are non-transferable, and are subject to validity periods, usage conditions, adjustment rights, and forfeiture provisions as described in these Terms.

Chapter 19 — CONTACT UNLOCK

19.1 Purpose

The purpose of this Chapter is to establish the legal framework governing the Contact Unlock feature available on the FinDeals Platform.

Contact Unlock enables eligible Business Members to access certain contact information associated with Financial Requirement Listings, subject to applicable Membership Plans, Credits, Platform Policies, Privacy requirements, and these Terms.

Contact Unlock is a premium Platform feature and does not constitute a sale, transfer, or assignment of personal information.

19.2 Definition of Contact Unlock

"Contact Unlock" means the controlled release of designated contact information associated with a Financial Requirement Listing to an eligible Business Member after satisfying the applicable eligibility requirements determined by SMARTAXIS PRIVATE LIMITED.

The Company retains full control over the Contact Unlock process and may modify its operation at any time.

19.3 Contact Information

Depending upon the Platform design and User privacy settings, Contact Unlock may provide access to one or more of the following:

• Name
• Business Name
• Mobile Number
• Email Address
• City
• District
• State
• Preferred Contact Method
• Business Details
• Other information expressly approved for sharing by the User.

The Company may determine which information becomes available through Contact Unlock.

19.4 Eligibility for Contact Unlock

Contact Unlock is available only to eligible Business Members who:

• Maintain an active Membership.
• Complete required verification.
• Possess sufficient Credits (where applicable).
• Comply with these Terms.
• Comply with applicable laws.
• Satisfy other eligibility requirements established by the Company.

The Company may refuse Contact Unlock where eligibility requirements are not met.

19.5 Contact Unlock Process

The Contact Unlock process may include:

• Selection of a Financial Requirement Listing.
• Verification of Membership eligibility.
• Verification of available Credits.
• Confirmation by the Business Member.
• Automatic deduction of applicable Credits.
• Release of permitted contact information.
• Recording of the transaction in Company systems.

The Company may revise the Contact Unlock workflow from time to time.

19.6 Credit Deduction

Where Contact Unlock requires Credits:

• Credits shall be deducted automatically upon successful Contact Unlock.
• Applicable Credit requirements shall be determined solely by the Company.

Credit deductions become final once Contact Unlock is successfully completed, except where required by applicable law or expressly provided in the Refund Policy.

The Company may revise Credit requirements at any time.

19.7 Scope of Access

Contact Unlock grants the Business Member a limited right to access designated contact information solely for the legitimate purpose of responding to the relevant Financial Requirement Listing.

Contact Unlock does not grant ownership of:

• Personal Information.
• User Data.
• Listing Content.
• Platform Information.
• Company Intellectual Property.

19.8 Permitted Use

Business Members shall use unlocked contact information only for purposes directly related to the Financial Requirement Listing for which the Contact Unlock was obtained.

Permitted purposes include:

• Responding to the Listing.
• Providing relevant financial or professional services.
• Seeking additional information required to evaluate the Listing.
• Conducting lawful business communications relating to that Listing.

19.9 Prohibited Use of Contact Information

Business Members shall not use unlocked contact information to:

• Send unsolicited marketing communications.
• Conduct mass advertising.
• Share promotional messages unrelated to the Listing.
• Sell or transfer personal information.
• Build customer databases for resale.
• Create mailing lists.
• Harass Users.
• Threaten Users.
• Impersonate the Company.
• Commit fraud.
• Engage in phishing.
• Collect information for unlawful purposes.
• Violate applicable privacy laws.
• Any misuse of unlocked contact information constitutes a material breach of these Terms.

19.10 User Privacy and Consent

Contact information is shared only to facilitate legitimate interactions relating to Financial Requirement Listings.

By creating a Listing, the User acknowledges and agrees that designated contact information may be shared with eligible Business Members through the Contact Unlock feature in accordance with these Terms and the Privacy Policy.

The Company shall implement reasonable safeguards to protect personal information in accordance with applicable law.

19.11 No Guarantee of Communication

Successful Contact Unlock does not guarantee that:

The User will answer telephone calls.

The User will respond to messages.

The User will reply to emails.

The User remains interested in the financial requirement.

The User will enter into negotiations.

The User will complete any transaction.

• Contact Unlock provides access only to available contact information.

19.12 No Guarantee of Accuracy

Although the Company encourages Users to maintain accurate information, SMARTAXIS PRIVATE LIMITED does not guarantee that unlocked contact information is:

• Current.
• Accurate.
• Reachable.
• Complete.
• Active.
• Verified.

Business Members remain responsible for independently verifying all information before proceeding with any transaction.

19.13 Contact Unlock History

The Company may maintain a record of Contact Unlock activities, including:

• Date and time of unlock.
• Listing reference.
• Business Member details.
• Credits deducted.
• Device information.
• IP address.
• System logs.

Other technical records reasonably required for security, auditing, legal compliance, or dispute resolution.

19.14 Duplicate Contact Unlocks

Where a Business Member attempts to unlock contact information that has already been unlocked, the Company may, at its discretion:

• Allow access without additional Credits.
• Deduct additional Credits.
• Restrict repeated unlocks.
• Apply other rules published by the Company.

The applicable policy shall be determined solely by the Company and may change from time to time.

19.15 Withdrawal of Listing

If a Financial Requirement Listing is removed, expires, or is withdrawn after Contact Unlock:

• Previously deducted Credits shall generally not be refunded.
• Previously unlocked contact information may remain subject to these Terms.

The Company may restrict further access where required by law or Platform Policy.

Exceptions may be provided under the applicable Refund Policy.

19.16 Fraud Prevention

The Company may suspend, delay, or refuse Contact Unlock where it reasonably suspects:

• Fraud.
• Identity theft.
• Fake Listings.
• Spam.
• Automated abuse.
• Security threats.
• Regulatory violations.
• Misuse of Platform services.

The Company may require additional verification before allowing Contact Unlock.

19.17 Revocation of Access

The Company may revoke previously granted Contact Unlock privileges where:

• Fraud is discovered.
• Information was obtained unlawfully.
• These Terms are violated.
• A legal requirement mandates removal of access.
• Continued access creates unacceptable security or privacy risks.

Revocation does not automatically entitle the Business Member to a refund unless required by applicable law.

19.18 Audit and Compliance

The Company may audit Contact Unlock activities to:

• Detect abuse.
• Prevent fraud.
• Ensure compliance.
• Investigate complaints.
• Protect Users.
• Meet legal obligations.
• Improve Platform security.
• Business Members shall reasonably cooperate with such audits where requested.

19.19 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Unsuccessful communication after Contact Unlock.
• Incorrect or outdated contact information provided by Users.
• A User's refusal to respond.
• A User's decision not to proceed with a transaction.
• Business decisions made by either party after Contact Unlock.
• Nothing in this Section excludes liability that cannot legally be excluded.

19.20 Suspension of Contact Unlock Privileges

The Company may temporarily or permanently suspend Contact Unlock privileges where:

• Membership expires.
• Credits are unavailable.
• Fraud is suspected.
• Platform abuse is detected.
• Privacy violations occur.
• Regulatory action requires suspension.
• These Terms are violated.

Suspension of Contact Unlock privileges does not necessarily terminate the underlying Business Member Account.

19.21 No Agency or Representation

The Contact Unlock feature merely facilitates communication between Users.

SMARTAXIS PRIVATE LIMITED:

• Does not negotiate transactions.
• Does not recommend either party.
• Does not represent either party.
• Does not guarantee financial outcomes.
• Does not participate in contractual negotiations.
• Does not become a party to any agreement entered into after Contact Unlock.

19.22 Chapter Summary

This Chapter establishes the legal framework governing the Contact Unlock feature on the FinDeals Platform. It defines the eligibility requirements, permitted uses, privacy protections, Credit deductions, audit mechanisms, and restrictions applicable to unlocked contact information. Contact Unlock is a limited Platform feature designed solely to facilitate lawful communication between eligible Business Members and Users and does not guarantee communication, transactions, or commercial success.

Chapter 20 — PREMIUM HIGHLIGHT & PROMOTIONAL SERVICES

20.1 Purpose

The purpose of this Chapter is to establish the legal framework governing Premium Highlight, Featured Placement, Promotional Services, Sponsored Visibility, and other paid visibility features offered by SMARTAXIS PRIVATE LIMITED on the FinDeals Platform.

Premium services are intended to enhance the visibility of eligible Listings or Business Profiles and do not constitute an endorsement, recommendation, or guarantee by the Company.

20.2 Premium Services

The Company may offer one or more premium promotional services, including but not limited to:

• Premium Highlight
• Featured Listings
• Featured Business Profiles
• Priority Placement
• Sponsored Visibility
• Homepage Placement
• Category Highlights
• Search Result Boost
• Banner Promotions
• Business Spotlight
• Promotional Campaigns
• Other promotional services introduced by the Company.

The Company may modify, replace, introduce, or discontinue premium services at any time.

20.3 Definition of Premium Highlight

Premium Highlight is a paid promotional feature that may improve the visibility of eligible Listings, Business Profiles, or other approved content within designated areas of the Platform.

Premium Highlight increases the opportunity for visibility but does not guarantee:

• First position in search results.
• Exclusive placement.
• Increased enquiries.
• Increased Contact Unlocks.
• Customer responses.
• Business conversions.
• Loan approvals.
• Revenue or profit.

20.4 Eligibility

Premium services are available only to Users or Business Members who satisfy applicable eligibility requirements, including:

• Active Account.
• Compliance with these Terms.
• Valid Membership (where required).
• Successful payment.
• Sufficient Credits (where applicable).
• Compliance with Platform Policies.

The Company may establish additional eligibility criteria for specific promotional services.

20.5 Purchase of Premium Services

Premium services may be purchased through:

• Credits.
• Subscription plans.
• One-time payments.
• Promotional packages.
• Enterprise agreements.
• Other payment models approved by the Company.

A Premium service becomes active only after successful payment or Credit deduction and technical activation by the Platform.

20.6 Premium Placement

Premium Highlight may increase visibility in locations including:

• Search results.
• Category pages.
• Homepage.
• District pages.
• State pages.
• Business directories.
• Recommendation sections.
• Promotional banners.
• Other Platform locations determined by the Company.

The Company retains complete discretion regarding where Premium content appears.

20.7 Ranking Algorithm

Premium Highlight is only one factor used by the Platform.

Listing visibility may also depend upon:

• Search relevance.
• User preferences.
• Geographic location.
• Listing quality.
• Membership status.
• Freshness of Listings.
• Platform algorithms.
• Security considerations.
• Regulatory requirements.

The Company may modify ranking algorithms at any time.

20.8 Duration

Premium services shall remain active for the duration purchased or allocated by the Company.

Upon expiry:

• Premium visibility may cease automatically.
• Listings may return to standard visibility.
• Promotional status may be removed.
• Related benefits may expire.
• Business Members may purchase additional promotional periods where available.

20.9 Modification of Visibility

The Company may modify Premium visibility where reasonably necessary due to:

• Technical maintenance.
• Platform redesign.
• Security concerns.
• Fraud prevention.
• Regulatory requirements.
• Search optimization.
• System performance improvements.
• Such modifications do not necessarily entitle the User to compensation.

20.10 Promotional Labels

The Company may identify Premium content using labels such as:

• Featured
• Premium
• Sponsored
• Highlighted
• Recommended
• Promoted

The format, appearance, and terminology of such labels shall be determined solely by the Company.

20.11 No Exclusivity

Purchase of Premium services does not grant:

• Exclusive advertising rights.
• Exclusive geographic rights.
• Exclusive category rights.
• Exclusive business rights.
• Exclusive search placement.

Multiple Users may simultaneously purchase Premium services for the same category or geographic area.

20.12 Promotional Content Standards

Content submitted for Premium promotion shall comply with:

• These Terms.
• Platform Policies.
• Applicable law.
• Intellectual Property laws.
• Advertising standards.
• Consumer protection requirements.

The Company may reject promotional content that fails to meet applicable standards.

20.13 Review Before Publication

The Company may review Premium promotional content before publication.

The review may assess:

• Accuracy.
• Compliance.
• Technical quality.
• Fraud indicators.
• Legal compliance.
• Platform suitability.

Approval for Premium publication does not constitute verification or endorsement of the promoted content.

20.14 Suspension or Removal

The Company may suspend or remove Premium services where:

• Fraud is detected.
• These Terms are violated.
• Payment disputes arise.
• Regulatory action requires removal.
• Technical issues occur.
• Platform abuse is identified.
• Security concerns arise.

Removal of Premium status does not automatically entitle the User to a refund unless required by applicable law or the applicable Refund Policy.

20.15 Pricing

The Company may determine:

• Premium service fees.
• Credit requirements.
• Promotional pricing.
• Seasonal discounts.
• Campaign offers.
• Enterprise pricing.

The Company may revise pricing at any time. Changes shall not affect completed purchases unless otherwise required by applicable law.

20.16 Performance Disclaimer

The Company makes no representation or warranty regarding:

• Number of impressions.
• Number of views.
• Number of enquiries.
• Number of Contact Unlocks.
• Number of responses.
• Business conversions.
• Revenue.
• Profit.
• Return on investment.
• Premium services improve promotional opportunities only and do not guarantee business outcomes.

20.17 Reporting and Analytics

The Company may provide analytical information relating to Premium services, including:

• Views.
• Impressions.
• Clicks.
• Contact Unlock activity.
• Geographic reach.
• Promotional performance.
• Other business insights.
• Such analytics are provided for informational purposes only and may include estimates.

20.18 Promotional Campaigns

The Company may conduct promotional campaigns that:

• Feature selected Businesses.
• Highlight selected Listings.
• Promote categories.
• Support seasonal events.
• Encourage Platform growth.
• Participation in promotional campaigns shall remain subject to Company approval.

20.19 Intellectual Property

Business Members retain ownership of their promotional content.

By submitting content for Premium services, the Business Member grants SMARTAXIS PRIVATE LIMITED a worldwide, non-exclusive, royalty-free licence to:

• Display.
• Publish.
• Promote.
• Resize.
• Format.
• Translate.
• Index.
• Archive.
• Distribute such content solely for operating and promoting the Platform.

20.20 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Lower-than-expected visibility.
• Reduced impressions.
• Reduced enquiries.
• Algorithm changes.
• Technical interruptions.
• Expiry of promotional periods.
• Market conditions.
• Business decisions made by Users.
• Nothing in this Section excludes liability where such exclusion is prohibited by applicable law.

20.21 Modification of Promotional Services

The Company may modify Premium services to:

• Improve Platform performance.
• Enhance User experience.
• Introduce new technologies.
• Comply with applicable law.
• Improve fraud prevention.
• Respond to market conditions.

Where reasonably practicable, material changes affecting active promotional services may be communicated through official Platform channels.

20.22 Chapter Summary

This Chapter establishes the legal framework governing Premium Highlight and Promotional Services on the FinDeals Platform. It clarifies that Premium services are promotional tools designed to enhance visibility and not guarantees of ranking, enquiries, transactions, or commercial success. SMARTAXIS PRIVATE LIMITED retains full discretion over promotional features, placement algorithms, pricing, and visibility while ensuring that all promoted content complies with applicable laws and Platform Policies.

Chapter 21 — NOTIFICATIONS, COMMUNICATIONS & LEAD MANAGEMENT

21.1 Purpose

The purpose of this Chapter is to establish the legal framework governing notifications, electronic communications, lead management, communication preferences, delivery methods, and Platform-generated alerts available on the FinDeals Platform.

Effective communication is an essential component of the Platform and enables Users and Business Members to receive important information relating to their Accounts, Listings, Memberships, Contact Unlocks, payments, security, and Platform Services.

21.2 Electronic Communications

By registering on the FinDeals Platform, every User expressly consents to receive electronic communications from SMARTAXIS PRIVATE LIMITED in accordance with these Terms, the Privacy Policy, and applicable law.

Electronic communications shall have the same legal effect as communications made in writing where recognized by applicable law.

21.3 Communication Channels

The Company may communicate with Users through one or more of the following channels:

• SMS
• Email
• Mobile Push Notifications
• In-App Notifications
• WhatsApp
• Voice Calls
• Dashboard Notifications
• Website Notices
• System Alerts
• Other communication methods introduced by the Company.

The Company may determine the most appropriate communication channel for each notification.

21.4 Types of Notifications

The Company may issue notifications relating to:

• Account Registration
• OTP Verification
• Login Activity
• Password Changes
• Security Alerts
• Membership Activation
• Membership Expiry
• Credits Purchase
• Credits Expiry
• Contact Unlock
• New Financial Requirement Listings
• Listing Status
• Listing Expiry
• Verification Requests
• Payment Confirmation
• Invoice Availability
• Promotional Campaigns
• Policy Updates
• Legal Notices
• Customer Support Updates
• Platform Maintenance
• Service Interruptions
• Fraud Alerts
• Regulatory Notices
• Other Platform-related matters.

21.5 Lead Management

The Platform may generate business opportunities ("Leads") through Financial Requirement Listings and related Platform activities.

Lead Management features may include:

• Lead Notifications
• Contact Unlock Records
• Lead History
• Response Tracking
• Lead Status
• Lead Analytics
• Lead Filters
• Follow-up Reminders
• Other lead management tools introduced by the Company.
• Availability of Lead Management features depends on the applicable Membership Plan.

21.6 Nature of Leads

A Lead represents an opportunity for communication between a User and a Business Member.

A Lead does not constitute:

• A confirmed customer.
• A contractual commitment.
• A financial approval.
• A guaranteed business opportunity.
• A verified transaction.
• A completed agreement.
• Business Members remain responsible for independently evaluating every Lead.

21.7 Lead Distribution

The Company may distribute Leads based on factors including:

• Geographic Access Plans.
• Membership Plans.
• Platform algorithms.
• Contact Unlock.
• Listing relevance.
• User preferences.
• Business categories.
• Platform Policies.
• Technical limitations.

The Company retains sole discretion regarding Lead distribution mechanisms.

21.8 No Guarantee of Leads

The Company does not guarantee:

• Minimum Leads.
• Daily Leads.
• Monthly Leads.
• Exclusive Leads.
• Qualified Leads.
• Business conversions.
• Revenue.
• Profits.
• Customer acquisition.

Membership Plans and Premium Services improve access to Platform features but do not guarantee commercial outcomes.

21.9 Notification Preferences

Where supported by the Platform, Users may manage certain notification preferences through their Account settings.

However, the Company may continue sending notifications that are:

• Legally required.
• Security-related.
• Transactional.
• Account-related.
• Service-related.
• Fraud prevention-related.
• Such communications cannot always be disabled.

21.10 Promotional Communications

The Company may send promotional communications relating to:

• New Membership Plans.
• Premium Services.
• Promotional Offers.
• Platform Updates.
• Educational Content.
• Business Opportunities.
• Marketing Campaigns.

Where required by applicable law, Users shall be provided with appropriate options to opt out of promotional communications.

Opting out of promotional messages does not affect essential service communications.

21.11 Delivery of Notifications

A notification shall be deemed delivered when:

• Successfully transmitted to the registered mobile number.
• Successfully sent to the registered email address.
• Displayed within the User Dashboard.
• Displayed through the Platform.
• Successfully transmitted using another approved communication method.
• Actual receipt depends upon factors outside the Company's control.

21.12 Failure of Delivery

The Company shall not be responsible where notifications fail to reach a User due to:

• Incorrect contact information.
• Inactive mobile numbers.
• Full email inboxes.
• Spam filters.
• Network failures.
• Device problems.
• Third-party service failures.
• User negligence.

Users are responsible for maintaining accurate contact information.

21.13 User Responsibilities

Users shall:

• Maintain valid contact details.
• Regularly review Platform notifications.
• Respond promptly to verification requests.
• Monitor Membership status.
• Monitor Credits balance.
• Protect communication credentials.
• Report suspicious communications.
• Failure to review notifications shall not relieve the User of obligations arising under these Terms.

21.14 Business Member Responsibilities

Business Members shall use Lead information responsibly.

Business Members shall not:

• Ignore privacy obligations.
• Contact Users for unrelated purposes.
• Send spam.
• Sell Lead information.
• Share Lead information without lawful authority.
• Misuse Contact Unlock information.
• Harass Users.

Business Members remain responsible for all communications initiated after receiving Lead information.

21.15 Platform Messaging

Where the Platform provides an internal messaging system, Users shall:

• Communicate respectfully.
• Avoid abusive language.
• Avoid misleading statements.
• Avoid fraudulent representations.
• Comply with applicable law.
• Comply with Platform Policies.

The Company may moderate Platform messaging in accordance with these Terms and the Privacy Policy.

21.16 Customer Support Communications

Users may communicate with the Company through approved customer support channels.

Support interactions may be:

• Recorded.
• Logged.
• Reviewed.
• Retained.

Such records may be used for:

• Quality assurance.
• Fraud prevention.
• Legal compliance.
• Training.
• Dispute resolution.

21.17 Emergency Communications

The Company may issue urgent communications relating to:

• Security incidents.
• Fraud alerts.
• Account compromise.
• Service outages.
• Regulatory requirements.
• Legal notices.
• Platform maintenance.
• Critical system updates.

Users acknowledge that prompt action may be required upon receiving such communications.

21.18 Communication Records

The Company may maintain records of communications including:

• Notification logs.
• SMS records.
• Email records.
• Dashboard alerts.
• Customer support records.
• Contact Unlock records.
• Communication preferences.
• Delivery status.

Such records may be retained for legal, regulatory, audit, fraud prevention, customer support, and security purposes.

21.19 No Liability for Communication Outcomes

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Missed notifications.
• Delayed communications.
• Third-party network failures.
• Incorrect User contact information.
• User failure to review communications.
• Failure of a Lead to result in a transaction.
• Nothing in this Section excludes liability that cannot legally be excluded.

21.20 Chapter Summary

This Chapter establishes the legal framework governing notifications, electronic communications, and Lead Management on the FinDeals Platform. It defines the methods of communication, User responsibilities, Lead distribution principles, notification preferences, and the Company's authority to send service-related and promotional communications. It also clarifies that Leads represent opportunities for engagement rather than guarantees of transactions or commercial success.

Chapter 22 — PLATFORM MESSAGING, CHAT SERVICES & COMMUNICATION RULES

22.1 Purpose

The purpose of this Chapter is to establish the legal framework governing Platform Messaging, Chat Services, communication between Users and Business Members, communication standards, moderation, security, and related responsibilities on the FinDeals Platform.

The communication features provided by SMARTAXIS PRIVATE LIMITED are intended solely to facilitate lawful interactions relating to Financial Requirement Listings and associated Platform Services.

22.2 Communication Services

The Company may provide one or more communication services including:

• In-App Chat
• Direct Messaging
• Business Messaging
• Contact Request
• Lead Communication
• Customer Support Chat
• AI-Assisted Chat
• Media Sharing
• Voice Messaging
• Future communication tools introduced by the Company.

The availability of communication services may vary depending on Membership Plans, Platform versions, geographic availability, and technical limitations.

22.3 Nature of Platform Messaging

Platform Messaging is a communication facility provided solely to enable Users and Business Members to discuss Financial Requirement Listings and related services.

The Company is not:

• A party to conversations.
• A negotiator.
• A financial intermediary.
• A representative of either User.
• Responsible for agreements reached through communications.
• All communications occur directly between Users.

22.4 Permitted Communications

Users may use Platform Messaging for legitimate purposes including:

• Discussing Financial Requirements.
• Requesting additional information.
• Sharing service details.
• Scheduling meetings.
• Seeking documentation.
• Clarifying Listing details.
• Conducting lawful business discussions.
• Responding to enquiries.

Communications shall remain relevant to the Financial Requirement Listing or related business services.

22.5 Prohibited Communications

Users shall not use Platform Messaging to:

• Send spam.
• Send bulk advertisements.
• Promote unrelated products or services.
• Harass or intimidate Users.
• Threaten violence.
• Publish defamatory statements.
• Share obscene, offensive, or illegal content.
• Commit fraud.
• Phish for credentials.
• Spread malware.
• Share viruses.
• Misrepresent identity.
• Impersonate another person or organization.
• Promote unlawful financial schemes.
• Encourage money laundering.
• Promote terrorist activities.
• Violate intellectual property rights.
• Circumvent Platform security.
• Engage in any activity prohibited by applicable law.
• Violation of this Section may result in immediate suspension or termination of the User Account.

22.6 Communication Etiquette

Users shall communicate professionally and respectfully.

Users shall:

• Use courteous language.
• Provide accurate information.
• Respect privacy.
• Avoid abusive behaviour.
• Avoid discriminatory language.
• Respond honestly.
• Conduct communications in good faith.

The Company may establish additional Community Standards governing communications.

22.7 Sharing of Information

Users are responsible for deciding what information they disclose during communications.

The Company recommends that Users avoid unnecessarily sharing:

• Banking credentials.
• OTPs.
• Passwords.
• Debit card information.
• Credit card information.
• UPI PINs.
• Internet banking credentials.
• Other confidential information.

The Company shall never request a User's password or OTP through Platform Messaging.

22.8 Media Sharing

Where permitted, Users may exchange:

• Documents.
• Images.
• PDFs.
• Business Cards.
• Supporting Information.
• Other files approved by the Platform.

Users remain solely responsible for all content shared through Platform Messaging.

The Company may impose file size, format, security, or storage limitations.

22.9 AI-Assisted Features

The Company may introduce AI-powered communication features including:

• Suggested replies.
• Translation.
• Spam detection.
• Fraud detection.
• Conversation summaries.
• Smart notifications.
• AI-generated content is provided for convenience only.

Users remain solely responsible for reviewing all communications before sending them.

22.10 Monitoring and Moderation

To the extent permitted by applicable law, the Company may:

• Monitor communications.
• Detect spam.
• Detect fraud.
• Review reported conversations.
• Scan files for malware.
• Investigate complaints.
• Remove unlawful content.
• Suspend abusive Users.

The Company is not obligated to proactively monitor every communication exchanged through the Platform.

22.11 Reporting Abuse

Users may report communications involving:

• Spam.
• Fraud.
• Harassment.
• Abuse.
• Threats.
• Identity theft.
• Fake Businesses.
• Impersonation.
• Privacy violations.
• Illegal activities.

The Company may investigate such reports and take appropriate enforcement action.

22.12 Blocking Users

Where supported by the Platform, Users may block communications from specific Users.

Blocking another User:

• Does not terminate Membership.
• Does not delete previous lawful records.
• Does not affect completed transactions.
• Does not restrict Company investigations.

The Company may maintain internal records despite User blocking.

22.13 Record Retention

The Company may retain communication records including:

• Chat logs.
• Attachments.
• Timestamps.
• Delivery records.
• Read status.
• System metadata.
• Device information.
• IP logs.

Records may be retained for:

• Security.
• Fraud prevention.
• Customer support.
• Regulatory compliance.
• Legal proceedings.
• Audit purposes.
• Retention periods shall be governed by applicable law and the Company's data retention policies.

22.14 Platform Availability

The Company does not guarantee that communication services will always be:

• Available.
• Error-free.
• Instantaneous.
• Uninterrupted.
• Compatible with every device.
• Free from technical maintenance.

Temporary interruptions may occur due to maintenance, upgrades, security incidents, or third-party service failures.

22.15 External Communications

After Contact Unlock or other lawful exchange of contact information, Users may choose to communicate outside the Platform.

Once communication occurs outside the FinDeals Platform:

The Company has no control over such communications.

The Company does not monitor those interactions.

The Company is not responsible for their content or outcomes.

• Any agreements entered into are solely between the participating parties.

22.16 Confidentiality of Communications

Users shall respect the confidentiality of communications received through the Platform.

Unless required by law or expressly permitted by the other party, Users shall not:

• Publicly publish private conversations.
• Share confidential business information.
• Disclose personal information obtained through Platform Messaging.
• Use communication records for unlawful purposes.

22.17 Suspension of Messaging Privileges

The Company may temporarily or permanently suspend messaging privileges where:

• Spam is detected.
• Fraud is suspected.
• Security risks arise.
• Platform abuse occurs.
• These Terms are violated.
• Applicable law requires suspension.
• Regulatory authorities issue lawful directions.
• Suspension of messaging privileges does not necessarily terminate the User Account.

22.18 Disclaimer Regarding Communications

The Company does not verify the accuracy, legality, completeness, or truthfulness of communications exchanged between Users.

Users remain solely responsible for:

• Statements made.
• Documents shared.
• Representations given.
• Commitments undertaken.
• Agreements concluded.

The Company recommends that Users independently verify all information before relying upon it.

22.19 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Communications between Users.
• Misunderstandings.
• Misrepresentations by Users.
• Failure of negotiations.
• Fraud committed by Users.
• External communications conducted outside the Platform.
• Delays in message delivery.
• Technical interruptions.
• Nothing in this Section excludes liability that cannot legally be excluded under applicable law.

22.20 Electronic Evidence

Users acknowledge that communication records, timestamps, delivery records, login records, IP logs, and other electronic records maintained by the Company may be used as evidence for:

• Internal investigations.
• Fraud prevention.
• Customer support.
• Legal proceedings.
• Regulatory compliance.
• Dispute resolution.

Such records shall be maintained in accordance with applicable law and the Company's record retention policies.

22.21 Chapter Summary

This Chapter establishes the legal framework governing Platform Messaging and Chat Services on the FinDeals Platform. It defines permitted communications, prohibited conduct, moderation rights, privacy obligations, AI-assisted communication features, abuse reporting, record retention, and the Company's limited role in facilitating communications. Users remain solely responsible for the content and outcomes of their communications, whether conducted through or outside the Platform.

Chapter 23 — PAYMENTS, BILLING, INVOICING & TAXES

23.1 Purpose

The purpose of this Chapter is to establish the legal framework governing payments, billing, invoicing, taxes, payment processing, transaction verification, failed transactions, chargebacks, and related financial matters applicable to the FinDeals Platform.

All payments made on the Platform are subject to these Terms, the applicable Refund Policy, and applicable laws of India.

23.2 Paid Services

The Company may charge fees for various Platform services, including but not limited to:

• Membership Plans
• Geographic Access Plans
• Credits
• Contact Unlock
• Premium Highlight
• Featured Listings
• Promotional Services
• Business Verification
• Enterprise Services
• API Services
• Other premium services introduced by the Company.

The Company reserves the right to introduce new paid services or discontinue existing paid services.

23.3 Pricing

The Company shall determine the pricing of all paid services.

Prices may vary based on:

• Membership Plan.
• Geographic Access.
• Promotional campaigns.
• Business category.
• Subscription period.
• Credits package.
• Enterprise agreements.
• Other commercial considerations.
• Current pricing shall be published through the Platform or other official communication channels.

23.4 Accepted Payment Methods

The Company may accept payments through one or more approved payment methods, including:

• UPI
• Debit Cards
• Credit Cards
• Net Banking
• IMPS
• NEFT
• RTGS
• Digital Wallets
• Payment Links
• QR Code Payments
• Bank Transfers
• Other payment methods approved by the Company.

Availability of payment methods may vary depending on location, payment provider, and technical availability.

23.5 Third-Party Payment Service Providers

Payments may be processed through independent third-party payment service providers ("Payment Processors").

The Company may engage one or more Payment Processors to facilitate payment collection.

Business Members acknowledge that:

• Payment Processors operate independently.
• Payment Processors maintain their own terms and privacy policies.

The Company does not control third-party payment systems.

Payment authorization is subject to the Payment Processor and the issuing financial institution.

23.6 Payment Authorization

By initiating a payment, the User represents and warrants that:

The payment method is lawfully owned or authorized for use.

• Sufficient funds or credit are available.

The transaction is lawful.

The payment information provided is accurate.

The Company may refuse or cancel transactions that appear unauthorized, fraudulent, or otherwise violate these Terms or applicable law.

23.7 Successful Payment

A payment shall be considered successful only after:

• Authorization by the applicable Payment Processor.
• Confirmation of receipt by the Company.
• Successful reconciliation of the transaction.
• Activation of the purchased service, where applicable.
• Submission of payment information alone does not guarantee successful payment.

23.8 Failed or Pending Transactions

A transaction may fail or remain pending due to reasons including:

• Insufficient funds.
• Payment Processor errors.
• Banking network interruptions.
• Technical failures.
• Incorrect payment information.
• Fraud prevention measures.
• Regulatory requirements.

Where a transaction fails, the requested service may not be activated until payment is successfully completed.

23.9 Duplicate Payments

If a User reasonably believes that duplicate payments have been made for the same transaction, the User should promptly notify the Company through official customer support channels.

The Company may investigate duplicate payment claims and, where appropriate, process corrections or refunds in accordance with the Refund Policy and applicable law.

23.10 Payment Confirmation

Upon successful payment, the Company may provide one or more of the following:

• Payment confirmation.
• Digital receipt.
• Tax invoice.
• Dashboard notification.
• Email confirmation.
• SMS confirmation.
• Transaction reference number.

Users should retain payment confirmations for future reference.

23.11 Billing Information

Users shall provide accurate billing information, including:

• Name.
• Business Name (if applicable).
• Billing Address.
• GST Identification Number (where applicable).
• Contact Details.
• Other information reasonably required for invoicing and legal compliance.

Users are responsible for updating billing information whenever changes occur.

23.12 Tax Invoices

Where required by applicable law, the Company shall issue tax invoices for eligible transactions.

Invoices may be delivered electronically through:

• Email.
• Business Dashboard.
• Downloadable invoice portal.
• Other approved electronic methods.
• Electronic invoices shall have the same legal validity as permitted under applicable law.

23.13 Taxes

Unless expressly stated otherwise:

• All applicable Goods and Services Tax (GST) shall be charged in accordance with Indian law.
• Other applicable statutory taxes, duties, levies, or governmental charges may also apply.

Users remain responsible for compliance with their own tax obligations arising from their use of the Platform.

23.14 Subscription Billing

Where the Company offers subscription-based services:

• Billing shall occur in accordance with the selected subscription plan.
• Subscription validity shall commence upon activation.
• Renewal terms shall be governed by the applicable Membership Plan.

If automatic renewal is introduced in the future, it shall be implemented in accordance with applicable law and with any required User consent.

23.15 Payment Security

The Company implements commercially reasonable measures to protect payment-related information.

However:

The Company does not store sensitive payment credentials unless necessary and permitted by applicable law.

• Payment credentials may be handled by authorized Payment Processors.

Users remain responsible for protecting their own banking and payment information.

23.16 Payment Fraud

The Company may suspend, reject, or investigate transactions where it reasonably suspects:

• Unauthorized payments.
• Identity theft.
• Chargeback abuse.
• Payment fraud.
• Stolen payment instruments.
• Money laundering.
• Other unlawful financial activity.

The Company may cooperate with financial institutions and law enforcement authorities where required by law.

23.17 Chargebacks and Payment Disputes

Where a User initiates a chargeback or payment dispute through a bank, card issuer, or Payment Processor, the Company may:

• Temporarily suspend related services.
• Suspend Membership benefits.
• Freeze unused Credits associated with the disputed transaction.
• Request supporting documentation from the User.
• Contest the chargeback where appropriate.
• Recover amounts lawfully owed through available legal remedies.
• Nothing in this Section limits any rights available to the User under applicable law.

23.18 Billing Errors

If the Company identifies a billing error, including:

• Incorrect charges.
• Duplicate charges.
• Incorrect tax calculations.
• Technical billing errors.

The Company may correct such errors and, where appropriate, issue refunds, adjustments, or revised invoices in accordance with applicable law.

23.19 Currency

Unless otherwise specified, all prices displayed on the FinDeals Platform shall be quoted and payable in Indian Rupees (INR).

If the Company supports payments in additional currencies in the future, the applicable currency shall be displayed before payment confirmation.

23.20 Suspension for Non-Payment

The Company may suspend or restrict access to paid services where:

• Payment remains outstanding.
• Payment authorization fails.
• Subscription expires.
• Fraud is reasonably suspected.
• Chargeback proceedings are initiated.
• These Terms are otherwise violated.
• Suspension of paid services does not automatically terminate the User Account.

23.21 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Banking network failures.
• Third-party Payment Processor interruptions.
• Delayed payment confirmations.
• Failed transactions caused by external financial institutions.
• Payment delays beyond the Company's reasonable control.
• Temporary suspension of services due to payment verification or fraud prevention.
• Nothing in this Section excludes liability that cannot legally be excluded under applicable law.

23.22 Record Retention

The Company may retain payment-related records, including:

• Transaction references.
• Invoices.
• Receipts.
• Payment confirmations.
• Tax records.
• Refund records.
• Chargeback documentation.
• Audit logs.

Such records may be retained for accounting, legal, regulatory, taxation, fraud prevention, audit, customer support, and dispute resolution purposes in accordance with applicable law.

23.23 Chapter Summary

This Chapter establishes the legal framework governing payments, billing, invoicing, and taxes on the FinDeals Platform. It defines accepted payment methods, payment processing, third-party payment providers, invoicing, GST compliance, payment security, chargebacks, billing corrections, and record retention. SMARTAXIS PRIVATE LIMITED retains the right to manage payment-related operations while complying with applicable laws and protecting the integrity of the Platform's financial systems.

Chapter 24 — REFUNDS, CANCELLATIONS & CHARGEBACKS

24.1 Purpose

The purpose of this Chapter is to establish the legal framework governing refunds, cancellations, reversals, chargebacks, payment disputes, service cancellations, and related financial matters on the FinDeals Platform.

This Chapter applies to all purchases made through the Platform unless otherwise governed by a separate written agreement.

24.2 Scope

This Refund Policy applies to:

• Membership Plans
• Geographic Access Plans
• Credits
• Premium Highlight
• Featured Listings
• Promotional Services
• Enterprise Services
• Business Verification
• Other paid services offered by SMARTAXIS PRIVATE LIMITED.

24.3 General Refund Principle

Unless expressly provided in these Terms, the applicable Refund Policy, or required by applicable law:

• All purchases are final.
• Payments are non-refundable.
• Purchased services are non-transferable.
• Unused benefits do not automatically qualify for refunds.
• Refund eligibility shall be determined solely in accordance with this Chapter and applicable law.

24.4 Cancellation by User

Users may cancel eligible subscriptions or services through the methods made available by the Company.

Cancellation of a service:

• Stops future renewals, where applicable.
• Does not automatically result in a refund.
• Does not affect obligations already incurred.
• Does not reverse services already provided.

24.5 Cancellation by the Company

The Company may suspend or cancel paid services where:

• Fraud is suspected.
• Payment authorization fails.
• These Terms are violated.
• Regulatory action requires cancellation.
• Security concerns arise.
• False information is provided.
• Platform abuse is detected.

Where cancellation results from the User's breach of these Terms, the User shall generally not be entitled to a refund unless required by applicable law.

24.6 Eligible Refund Circumstances

Subject to investigation and verification, the Company may consider refunds in circumstances including:

• Duplicate payments.
• Successful payment without activation due to a Company system error.
• Incorrect billing caused by the Company.
• Technical failures preventing access to the purchased service.
• Unauthorized transactions, where verified.
• Other exceptional circumstances determined by the Company.
• Refund decisions shall be made on a case-by-case basis.

24.7 Non-Refundable Items

Unless required by applicable law, refunds shall generally not be available for:

• Used Credits.
• Expired Credits.
• Contact Unlocks already completed.
• Premium Highlight periods already consumed.
• Membership periods already utilized.
• Promotional Credits.
• Complimentary services.
• Campaign-based offers.
• Services suspended due to User misconduct.
• Services terminated for violation of these Terms.

24.8 Refund Requests

Users seeking a refund should submit a request through the Company's designated customer support channels.

A refund request should include, where applicable:

• Transaction reference number.
• Registered mobile number.
• Registered email address.
• Date of payment.
• Payment method.
• Description of the issue.
• Supporting documentation reasonably requested by the Company.

The Company may request additional information to verify the claim.

24.9 Refund Review

Upon receiving a refund request, the Company may:

• Verify the transaction.
• Review payment records.
• Examine service usage.
• Investigate technical logs.
• Assess eligibility.
• Consult the Payment Processor where necessary.

The Company shall use commercially reasonable efforts to complete its review within a reasonable time.

24.10 Approved Refunds

Where a refund is approved:

The refund shall generally be processed using the original payment method where feasible.

The timing of receipt depends on the relevant bank or Payment Processor.

The refunded amount may exclude taxes, processing fees, or other deductions where permitted by law or disclosed at the time of purchase.

24.11 Duplicate Payments

If the Company confirms that duplicate payments were received for the same purchase, it may:

• Refund the duplicate amount.
• Adjust the User's Account.
• Credit the amount toward another eligible service, where agreed by the User.

24.12 Chargebacks

Users should first contact the Company before initiating a chargeback through a bank or Payment Processor.

Where a chargeback is initiated, the Company may:

• Suspend the related services.
• Suspend Membership benefits.
• Freeze unused Credits associated with the disputed transaction.
• Request additional documentation.
• Contest the chargeback where appropriate.
• Nothing in this Section limits any rights available to the User under applicable law.

24.13 Fraudulent Refund Claims

The Company may reject refund requests where it reasonably determines that:

• False information has been submitted.
• Documents have been forged.
• Fraudulent payment activity has occurred.
• Refund abuse is identified.
• Services have already been fully consumed.

Fraudulent refund requests may result in suspension or termination of the User Account and other legal remedies available under applicable law.

24.14 Service Interruptions

Temporary interruptions caused by:

• Scheduled maintenance.
• Emergency maintenance.
• Internet failures.
• Third-party service outages.
• Banking interruptions.
• Events beyond the Company's reasonable control.
• do not automatically entitle Users to refunds.

Where a prolonged interruption is caused solely by the Company's systems, the Company may provide an appropriate remedy at its discretion or as required by applicable law.

24.15 Promotional Offers

Purchases made under:

• Discount campaigns.
• Promotional pricing.
• Coupon offers.
• Referral rewards.
• Complimentary services.
• remain subject to the specific terms of the applicable promotion.
• Unless expressly stated, promotional discounts themselves are not redeemable for cash.

24.16 Taxes and Refunds

Where a refund is approved:

• Applicable tax adjustments shall be made in accordance with Indian tax laws.
• Revised invoices or credit notes may be issued where legally required.

24.17 Payment Processor Delays

The Company shall not be responsible for delays in refund processing caused by:

• Banks.
• Card networks.
• UPI systems.
• Payment Processors.
• Government restrictions.
• Technical failures beyond the Company's reasonable control.

24.18 Record Retention

The Company may retain records relating to:

• Refund requests.
• Chargebacks.
• Payment disputes.
• Customer support communications.
• Investigation reports.
• Transaction history.
• Audit logs.

These records may be retained for accounting, legal, regulatory, fraud prevention, taxation, audit, customer support, and dispute resolution purposes.

24.19 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for:

• Indirect losses arising from refund delays outside its reasonable control.
• Banking charges imposed by third parties.
• Currency conversion charges, where applicable.
• Consequential losses arising from payment disputes.
• Nothing in this Section excludes liability that cannot legally be excluded under applicable law.

24.20 Goodwill Refunds

Nothing in this Chapter prevents the Company from issuing a goodwill refund, promotional credit, service extension, or other customer support resolution at its sole discretion.

A goodwill resolution:

• Does not establish a precedent.
• Does not create a continuing obligation.
• Does not modify these Terms.

24.21 Chapter Summary

This Chapter establishes the legal framework governing refunds, cancellations, payment disputes, and chargebacks on the FinDeals Platform. It defines the circumstances under which refunds may be considered, identifies services that are generally non-refundable, outlines procedures for submitting refund requests, and clarifies the Company's rights regarding fraud prevention, payment disputes, and record retention. SMARTAXIS PRIVATE LIMITED retains the discretion to investigate and resolve refund claims while complying with applicable law.

Chapter 25 — FRAUD PREVENTION, FINANCIAL SAFETY & USER PROTECTION

25.1 Purpose

The purpose of this Chapter is to establish the legal framework governing fraud prevention, financial safety, Platform security, User protection, identity verification, suspicious activities, risk management, and enforcement measures adopted by SMARTAXIS PRIVATE LIMITED for the FinDeals Platform.

The Company is committed to maintaining a secure, trustworthy, and legally compliant marketplace. However, every User remains responsible for exercising appropriate caution before entering into any transaction or business relationship.

25.2 Shared Responsibility

Platform security is a shared responsibility between:

SMARTAXIS PRIVATE LIMITED

• Users
• Business Members
• Payment Service Providers
• Third-party Verification Providers
• Regulatory Authorities
• Every User agrees to cooperate in maintaining the integrity and security of the Platform.

25.3 Fraud Prevention Measures

The Company may implement fraud prevention measures including:

• Identity verification.
• Mobile verification.
• Email verification.
• Business verification.
• Device fingerprinting.
• IP monitoring.
• Risk scoring.
• AI-powered fraud detection.
• Behavioural analytics.
• Duplicate account detection.
• Transaction monitoring.
• Login anomaly detection.
• Geo-location analysis.
• Manual investigations.
• Other security technologies introduced by the Company.

The Company may modify or enhance these measures at any time.

25.4 Identity Fraud

Users shall not:

• Create fake identities.
• Use another person's identity.
• Use forged documents.
• Impersonate businesses.
• Misrepresent qualifications.
• Create fake company profiles.
• Submit false verification documents.

Identity fraud constitutes a material breach of these Terms and may result in immediate enforcement action.

25.5 Fake Financial Requirement Listings

Users shall not publish Listings that:

• Are fictitious.
• Contain fabricated financial requirements.
• Are intended solely to collect contact information.
• Mislead Business Members.
• Promote fraudulent financial activities.
• Conceal unlawful activities.

The Company may remove such Listings without prior notice.

25.6 Fake Business Members

Business Members shall not:

• Claim false licenses.
• Misrepresent regulatory approvals.
• Falsely claim affiliations with banks or NBFCs.
• Display unauthorized certifications.
• Pretend to represent another business.

The Company may suspend or terminate Business Member Accounts involved in such conduct.

25.7 Document Forgery

Users shall not upload or submit:

• Forged identity documents.
• Altered licences.
• Fake business registrations.
• Fabricated financial statements.
• False authorizations.
• Counterfeit certificates.
• Any other falsified document.

Submission of forged documents may result in immediate suspension, termination, and reporting to appropriate authorities where required by law.

25.8 Payment Fraud

Users shall not:

• Use stolen payment instruments.
• Make unauthorized payments.
• Submit fraudulent payment confirmations.
• Abuse refund procedures.
• Engage in chargeback fraud.
• Manipulate payment systems.

The Company may suspend affected Accounts while investigating suspected payment fraud.

25.9 Phishing and Social Engineering

Users shall not:

• Request OTPs.
• Request passwords.
• Request banking PINs.
• Misrepresent themselves as Company representatives.
• Send deceptive messages.
• Trick Users into revealing confidential information.

The Company shall never request a User's password, OTP, UPI PIN, or banking credentials through Platform Messaging.

25.10 Money Laundering and Illegal Financial Activities

The FinDeals Platform shall not be used for:

• Money laundering.
• Terrorist financing.
• Proceeds of crime.
• Tax evasion schemes.
• Hawala transactions.
• Benami transactions.
• Sanctioned activities.
• Any unlawful financial activity prohibited by applicable law.

The Company may take appropriate action where it reasonably suspects such activities.

25.11 Sanctions and Legal Compliance

Users represent that their use of the Platform does not knowingly violate applicable:

• Financial regulations.
• Economic sanctions.
• Court orders.
• Government restrictions.
• Regulatory directives.

The Company may restrict access where required to comply with applicable law.

25.12 Automated Abuse

Users shall not:

• Operate bots.
• Scrape Platform data.
• Use automated software to collect Listings.
• Circumvent Platform security.
• Perform unauthorized API access.
• Conduct automated Contact Unlocks.
• Generate artificial traffic.
• Manipulate search rankings.
• Unauthorized automation may result in immediate suspension.

25.13 Account Takeover Protection

The Company may implement measures including:

• OTP verification.
• Device recognition.
• Login alerts.
• Session monitoring.
• Suspicious login detection.
• Multi-factor authentication, where available.
• Temporary Account locks.
• Additional verification.

Users shall promptly report suspected unauthorized access.

25.14 User Responsibilities

Users shall:

• Protect passwords and OTPs.
• Verify identities independently.
• Confirm licences where relevant.
• Exercise reasonable business judgment.
• Report suspicious Listings.
• Report suspicious communications.
• Cooperate during investigations.

Failure to exercise reasonable caution may increase the User's own risk when engaging with other Users.

25.15 Business Member Responsibilities

Business Members shall:

• Conduct independent due diligence.
• Verify borrower information where appropriate.
• Comply with applicable laws and licensing requirements.
• Maintain professional conduct.
• Avoid misleading representations.
• Protect confidential information obtained through the Platform.
• Business Members remain solely responsible for their lending, advisory, or business decisions.

25.16 User Protection Measures

To improve Platform safety, the Company may:

• Suspend suspicious Accounts.
• Remove fraudulent Listings.
• Freeze Contact Unlock privileges.
• Restrict Credits usage.
• Require additional verification.
• Block suspicious devices.
• Increase security reviews.
• Issue fraud alerts.

These measures may be implemented without prior notice where reasonably necessary to protect Users or the Platform.

25.17 Investigations

The Company may investigate suspected:

• Fraud.
• Identity theft.
• Payment abuse.
• Platform misuse.
• Cybersecurity incidents.
• Policy violations.
• Criminal activity.

Users agree to reasonably cooperate with such investigations.

25.18 Reporting Suspicious Activity

Users are encouraged to report:

• Fake Listings.
• Fake Businesses.
• Fraudulent communications.
• Identity theft.
• Document forgery.
• Payment fraud.
• Harassment.
• Spam.
• Platform abuse.
• Reports should be submitted through the Company's official reporting channels.

25.19 Cooperation with Authorities

Where required or permitted by applicable law, the Company may cooperate with:

• Courts.
• Police authorities.
• Cybercrime agencies.
• Regulatory authorities.
• Tax authorities.
• Financial intelligence units.
• Other competent governmental authorities.
• Such cooperation may include the lawful disclosure of information, records, or evidence.

25.20 Emergency Security Actions

Where the Company reasonably believes that immediate action is necessary to protect Users, the Platform, or comply with legal obligations, it may:

• Suspend Accounts.
• Freeze Membership benefits.
• Disable Contact Unlock.
• Remove Listings.
• Restrict Platform access.
• Delay transactions.
• Require enhanced verification.
• Preserve electronic evidence.
• Such actions may be taken without prior notice where immediate intervention is reasonably necessary.

25.21 No Guarantee Against Fraud

Although the Company employs commercially reasonable security measures, SMARTAXIS PRIVATE LIMITED cannot guarantee that:

• Fraud will never occur.
• Every User is genuine.
• Every Listing is legitimate.
• Every Business Member is suitable.
• Every communication is truthful.
• Every transaction will be successful.

Users remain responsible for exercising independent judgment and appropriate caution before entering into any transaction.

25.22 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Fraud committed by third parties.
• False statements made by Users.
• Fake Listings.
• Identity theft by Users.
• Business decisions made by Users.
• External financial transactions.
• Criminal acts committed by third parties despite reasonable Platform safeguards.
• Nothing in this Section excludes liability that cannot legally be excluded under applicable law.

25.23 Continuous Improvement

The Company may continuously enhance its fraud prevention systems by introducing:

• New security technologies.
• AI-based detection systems.
• Behavioural analysis.
• Verification procedures.
• Monitoring tools.
• Risk management processes.

The Company may modify these measures without prior notice where reasonably necessary for security or legal compliance.

25.24 Chapter Summary

This Chapter establishes the legal framework governing fraud prevention, financial safety, and User protection on the FinDeals Platform. It defines prohibited fraudulent activities, security measures, investigation procedures, reporting mechanisms, and enforcement rights. SMARTAXIS PRIVATE LIMITED may implement reasonable security controls, cooperate with competent authorities, and take emergency action where necessary to protect Users, the Platform, and the public interest, while emphasizing that Users remain responsible for exercising independent judgment and due diligence before entering into any transaction.

Chapter 26 — PRIVACY, DATA USAGE & CONFIDENTIALITY

26.1 Purpose

The purpose of this Chapter is to establish the contractual framework governing the collection, use, processing, storage, disclosure, retention, and protection of information relating to Users and Business Members on the FinDeals Platform.

This Chapter provides a contractual summary only. Detailed information regarding the Company's privacy practices is contained in the separate Privacy Policy, which forms an integral part of these Terms.

26.2 Privacy Commitment

SMARTAXIS PRIVATE LIMITED is committed to handling personal information in accordance with:

• Applicable laws of India.
• These Terms.

The Privacy Policy.

Reasonable industry security practices.

Regulatory requirements applicable to the Company.

The Company shall use commercially reasonable efforts to safeguard personal information against unauthorized access, alteration, disclosure, or destruction.

26.3 Information Collected

The Company may collect information including, but not limited to:

A. Account Information

• Name
• Mobile Number
• Email Address
• Password (encrypted where applicable)
• Profile Information

B. Business Information

Business Name

Business Address

GST Number (where applicable)

Business Registration Details

Professional Licences

Regulatory Information

C. Financial Requirement Information

Requirement Category

Loan Type

Requirement Amount

Location

Property Information

Other information voluntarily submitted by Users.

D. Technical Information

IP Address

Device Information

Browser Information

Operating System

Login History

Device Identifiers

Session Information

Cookies

Usage Analytics

E. Communication Information

Chat Records

Customer Support Requests

Notification Preferences

Contact Unlock History

Communication Logs

26.4 Purpose of Data Collection

The Company may process information for purposes including:

• Account Creation.
• Identity Verification.
• Platform Security.
• Contact Unlock.
• Membership Management.
• Business Dashboard Services.
• Customer Support.
• Payment Processing.
• Fraud Prevention.
• Regulatory Compliance.
• Platform Improvement.
• Service Personalization.
• Analytics.
• AI-assisted Platform Features.
• Legal Compliance.
• Dispute Resolution.

The Company shall process information only for lawful purposes.

26.5 User Consent

By using the Platform, Users acknowledge and consent to the collection, processing, and use of information in accordance with:

• These Terms.

The Privacy Policy.

Applicable law.

Where applicable law requires separate consent for specific processing activities, the Company shall obtain such consent before undertaking those activities.

26.6 Contact Information Sharing

Users acknowledge that certain contact information may be shared with eligible Business Members through the Contact Unlock feature in accordance with:

• These Terms.
• User privacy preferences (where available).
• Applicable law.

The Privacy Policy.

The Company shall not disclose personal information beyond the scope necessary for the operation of Platform services unless required or permitted by law.

26.7 Use of Information

The Company may use collected information to:

• Operate the Platform.
• Authenticate Users.
• Detect fraud.
• Prevent abuse.
• Improve search results.
• Provide customer support.
• Generate business analytics.
• Send notifications.
• Recommend relevant Listings.
• Improve AI-assisted services.
• Conduct internal research.
• Comply with legal obligations.

26.8 Confidentiality

The Company shall use commercially reasonable efforts to maintain the confidentiality of User information.

Employees, contractors, service providers, and authorized partners who access personal information shall do so only where reasonably necessary for the performance of their duties and subject to appropriate confidentiality obligations.

26.9 Third-Party Service Providers

The Company may engage trusted third-party service providers to assist in providing Platform services, including:

• Payment Processors.
• Cloud Hosting Providers.
• SMS Providers.
• Email Service Providers.
• Analytics Providers.
• Customer Support Platforms.
• Identity Verification Providers.
• Security Service Providers.

Such providers may receive limited information necessary to perform their services and are expected to protect such information in accordance with applicable contractual and legal obligations.

26.10 Legal Disclosure

The Company may disclose information where required or permitted by applicable law, including in response to:

• Court Orders.
• Government Requests.
• Regulatory Directions.
• Law Enforcement Investigations.
• Cybercrime Investigations.
• Tax Authorities.
• Other lawful legal processes.

The Company shall disclose only the information reasonably necessary to comply with applicable legal obligations.

26.11 Data Retention

The Company may retain information for periods reasonably necessary to:

• Provide Platform services.
• Maintain business records.
• Prevent fraud.
• Resolve disputes.
• Comply with legal obligations.
• Meet taxation requirements.
• Conduct audits.
• Enforce these Terms.
• Retention periods may vary depending upon the type of information and applicable legal requirements.

26.12 Data Security

The Company may implement reasonable technical and organizational security measures including:

• Encryption where appropriate.
• Access Controls.
• Authentication Mechanisms.
• Security Monitoring.
• Firewalls.
• Secure Servers.
• Backup Systems.
• Intrusion Detection.
• Security Audits.
• Risk Assessments.
• No internet-based system can be guaranteed to be completely secure.

26.13 User Responsibilities

Users shall:

• Protect Account credentials.
• Keep personal information updated.
• Avoid sharing OTPs and passwords.
• Report unauthorized access promptly.
• Maintain confidentiality of sensitive business information.
• Exercise caution before sharing confidential information with other Users.

26.14 Cookies and Similar Technologies

The Platform may use:

• Cookies.
• Session Cookies.
• Persistent Cookies.
• Device Identifiers.
• Analytics Technologies.
• Performance Monitoring Tools.

These technologies may be used to improve Platform functionality, security, analytics, and User experience.

Users may manage certain cookie preferences through browser settings, although disabling cookies may affect Platform functionality.

26.15 International Processing

Where permitted by applicable law, information may be processed or stored using infrastructure located in jurisdictions different from the User's location.

The Company shall implement appropriate safeguards where required by applicable law.

26.16 User Rights

Subject to applicable law, Users may have rights including:

• Access to personal information.
• Correction of inaccurate information.
• Updating Account information.
• Withdrawal of consent where legally permissible.
• Deletion of certain information.
• Objection to certain processing activities.
• Submission of privacy-related complaints.
• Requests may be made through the Company's designated privacy contact channels.

26.17 Confidential Business Information

Business Members shall not misuse confidential information obtained through the Platform.

Confidential information shall not be:

• Sold.
• Shared without authorization.
• Published.
• Used for unlawful purposes.
• Used beyond the purpose for which it was disclosed.
• Violation of this Section may result in enforcement action under these Terms.

26.18 Data Breach Response

Where the Company becomes aware of a security incident affecting personal information, it may:

• Investigate the incident.
• Mitigate risks.
• Secure affected systems.
• Notify affected Users where required by applicable law.
• Cooperate with competent authorities.
• Implement corrective measures.

26.19 Privacy Policy

The Company's Privacy Policy forms an integral part of these Terms.

In the event of any inconsistency between this Chapter and the Privacy Policy regarding operational privacy practices, the Privacy Policy shall prevail to the extent permitted by applicable law, unless these Terms expressly provide otherwise.

26.20 No Sale of Personal Information

Except as expressly permitted by these Terms, the Privacy Policy, or applicable law, the Company does not sell Users' personal information to third parties.

Nothing in this Section restricts lawful sharing necessary to operate the Platform or comply with legal obligations.

26.21 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for losses arising from:

• Unauthorized access resulting from User negligence.
• Internet security risks beyond the Company's reasonable control.
• Third-party cyberattacks despite commercially reasonable safeguards.
• Disclosure made pursuant to legal obligations.
• User-authorized disclosure of information.
• Nothing in this Section excludes liability that cannot legally be excluded under applicable law.

26.22 Chapter Summary

This Chapter establishes the contractual framework governing privacy, data usage, and confidentiality on the FinDeals Platform. It outlines how information may be collected, processed, shared, retained, and protected while emphasizing the Company's commitment to privacy, security, and legal compliance. Users are encouraged to review the separate Privacy Policy for comprehensive details regarding data handling practices and their privacy rights.

Chapter 27 — INTELLECTUAL PROPERTY RIGHTS

27.1 Purpose

The purpose of this Chapter is to establish the legal framework governing the ownership, protection, licensing, use, and enforcement of Intellectual Property Rights relating to the FinDeals Platform and all associated products, services, software, branding, and content owned or licensed by SMARTAXIS PRIVATE LIMITED.

Nothing contained in these Terms transfers ownership of any Intellectual Property Rights from the Company to any User.

27.2 Ownership

Unless expressly stated otherwise, all Intellectual Property Rights relating to the FinDeals Platform are and shall remain the exclusive property of SMARTAXIS PRIVATE LIMITED or its licensors.

Such rights are protected under applicable intellectual property laws, including copyright, trademark, patent, design, trade secret, and other applicable laws.

27.3 Company's Intellectual Property

The Company's Intellectual Property includes, but is not limited to:

• FinDeals® brand name.
• FinDeals logo.

SMARTAXIS PRIVATE LIMITED name.

Trade names.

Trademarks.

Service marks.

Domain names.

Mobile Applications.

Website.

Software.

Source Code.

Object Code.

APIs.

Databases.

Platform Architecture.

UI/UX Designs.

Graphics.

Icons.

Images.

Animations.

Layouts.

Templates.

Documentation.

Algorithms.

AI Models.

Recommendation Engines.

Search Technologies.

Business Processes.

Workflows.

Reports.

Analytics.

Marketing Materials.

Training Materials.

Audio.

Video.

Other proprietary materials developed or licensed by the Company.

27.4 Limited Licence

Subject to compliance with these Terms, the Company grants Users a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for its intended purposes.

This licence does not grant any ownership rights.

27.5 Restrictions

Users shall not, without prior written permission from the Company:

• Copy Platform software.
• Copy website content.
• Reproduce Platform designs.
• Modify source code.
• Reverse engineer software.
• Decompile applications.
• Disassemble software.
• Mirror the Platform.
• Create derivative works.
• Redistribute Company content.
• Sell Platform materials.
• License Company materials.
• Publish proprietary information.
• Exploit Platform assets commercially.
• Remove copyright notices.
• Remove trademark notices.

27.6 Data Scraping

Users shall not:

• Scrape Listings.
• Harvest User information.
• Collect Contact Unlock data.
• Copy databases.
• Extract Platform content using bots.
• Perform automated crawling.
• Use data mining software.
• Build competing databases using Platform content.

The Company may employ technical measures to detect and prevent unauthorized scraping.

27.7 Artificial Intelligence

Users shall not use the Platform or its content to:

• Train AI models.
• Build Large Language Models.
• Generate competing datasets.
• Develop competing recommendation systems.
• Extract proprietary algorithms.
• Create unauthorized machine learning datasets.

Unless expressly authorized in writing, no Company content may be used for AI training or model development.

27.8 User Content

Users retain ownership of the original content they lawfully create and upload to the Platform.

User Content may include:

• Financial Requirement Listings.
• Business Profiles.
• Images.
• Documents.
• Messages.
• Reviews.
• Comments.
• Other original content submitted by Users.

Users are solely responsible for ensuring that they have the legal right to upload such content.

27.9 Licence Granted by Users

By uploading or submitting content to the Platform, Users grant SMARTAXIS PRIVATE LIMITED a worldwide, non-exclusive, royalty-free, sublicensable (only where reasonably necessary for Platform operations), transferable in connection with a merger, acquisition, or sale of business, licence to:

• Host.
• Store.
• Display.
• Publish.
• Index.
• Cache.
• Copy.
• Translate.
• Reformat.
• Resize.
• Archive.
• Distribute.
• Promote.

Such licence is granted solely for:

• Operating the Platform.
• Improving Platform Services.
• Marketing the Platform.
• Customer Support.
• Security.
• Regulatory Compliance.
• Legal Requirements.

The licence shall continue for so long as reasonably necessary to operate the Platform and comply with legal obligations, subject to the Company's data retention policies.

27.10 User Representations

Users represent and warrant that:

• They own the content submitted; or
• They possess all necessary licences, permissions, and legal authority.

Users further warrant that uploaded content does not infringe:

• Copyright.
• Trademark.
• Patent.
• Design Rights.
• Trade Secrets.
• Privacy Rights.
• Publicity Rights.
• Other Intellectual Property Rights.

27.11 Third-Party Intellectual Property

Users shall respect the Intellectual Property Rights of third parties.

Users shall not upload content that:

• Infringes copyrights.
• Uses unauthorized trademarks.
• Copies proprietary software.
• Reproduces protected databases.
• Misappropriates confidential information.

The Company may remove infringing content without prior notice.

27.12 Trademark Usage

Users shall not use:

• FinDeals.

SMARTAXIS PRIVATE LIMITED.

Company Logos.

Company Trademarks.

Company Service Marks.

without prior written authorization except where such use is permitted by applicable law (for example, fair descriptive reference).

Unauthorized use may constitute trademark infringement.

27.13 Copyright Notices

Users shall not remove, obscure, alter, or conceal:

• Copyright notices.
• Trademark notices.
• Proprietary legends.
• Digital watermarks.
• Attribution notices.
• attached to Company content.

27.14 Feedback

Where Users voluntarily submit suggestions, ideas, recommendations, enhancement requests, or other feedback relating to the Platform, the Company may use such feedback without restriction or obligation to provide compensation, unless otherwise agreed in writing.

Nothing in this Section transfers ownership of unrelated User-created intellectual property.

27.15 Reporting Intellectual Property Infringement

Any person who believes that content on the Platform infringes their Intellectual Property Rights may submit a notice to the Company's designated Intellectual Property contact including:

• Identification of the allegedly infringed work.
• Identification of the allegedly infringing material.
• Contact information.
• Evidence supporting the claim.
• A statement that the complainant has a good-faith belief that the use is unauthorized.
• A declaration that the information provided is accurate.

The Company may request additional information where reasonably necessary.

27.16 Company's Response

Upon receiving a credible infringement notice, the Company may:

• Review the complaint.
• Request additional information.
• Temporarily disable access.
• Remove allegedly infringing content.
• Notify the affected User where appropriate.
• Restore content where justified.
• Suspend repeat infringers.

The Company shall act in accordance with applicable law and principles of natural justice where appropriate.

27.17 Repeat Infringers

The Company may suspend or terminate Accounts of Users who repeatedly infringe the Intellectual Property Rights of others.

The determination of repeated infringement shall be made by the Company after considering the available information and applicable law.

27.18 Reservation of Rights

Except for the limited licence expressly granted under these Terms, all Intellectual Property Rights are reserved by SMARTAXIS PRIVATE LIMITED and its licensors.

No implied licence shall arise from the use of the Platform.

27.19 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED shall not be liable for:

• User-uploaded infringing content.
• Third-party copyright claims arising solely from User Content.
• Unauthorized use of User Content by other Users beyond the Company's reasonable control.

The Company shall, however, take reasonable action in response to valid infringement notices where required by applicable law.

Nothing in this Section excludes liability that cannot legally be excluded.

27.20 Chapter Summary

This Chapter establishes the legal framework governing Intellectual Property Rights relating to the FinDeals Platform. It confirms the Company's ownership of its technology, branding, software, databases, and proprietary assets while granting Users a limited licence to access the Platform. It also defines Users' responsibilities regarding their own content, prohibits unauthorized copying and scraping, establishes procedures for reporting infringement, and reserves all Intellectual Property Rights not expressly granted under these Terms.

Chapter 28 — DISCLAIMERS, NO FINANCIAL ADVICE & PLATFORM LIMITATIONS

28.1 Purpose

The purpose of this Chapter is to define the scope and limitations of the services provided by SMARTAXIS PRIVATE LIMITED through the FinDeals Platform and to clarify the Company's role, responsibilities, and legal limitations.

Users acknowledge that the FinDeals Platform is a technology-enabled financial classifieds platform and not a provider of financial products or regulated financial services.

28.2 Nature of the Platform

FinDeals is an online technology platform that enables Users to publish Financial Requirement Listings and allows eligible Business Members to discover and respond to such Listings.

The Platform merely facilitates communication between independent parties.

SMARTAXIS PRIVATE LIMITED is not a party to any transaction entered into between Users and Business Members.

28.3 No Banking Services

SMARTAXIS PRIVATE LIMITED is not:

• A Bank.
• A Scheduled Commercial Bank.
• A Cooperative Bank.
• A Payment Bank.
• A Small Finance Bank.
• A Foreign Bank.
• Any other banking institution.

The Platform does not provide banking services.

28.4 No NBFC Services

SMARTAXIS PRIVATE LIMITED is not:

• A Non-Banking Financial Company (NBFC).
• A Housing Finance Company (HFC).
• A Microfinance Institution (MFI).
• A Credit Institution.
• A Deposit-taking Institution.

The Company does not lend money or accept deposits.

28.5 No Lending Activities

The Company:

• Does not lend money.
• Does not borrow money.
• Does not finance loans.
• Does not disburse loans.
• Does not sanction loans.
• Does not underwrite loans.
• Does not guarantee loans.
• Does not participate in loan agreements.
• All lending decisions are made solely by independent Business Members and Users.

28.6 No Financial Intermediary

The Company is not:

• A Loan Broker.
• A Financial Adviser.
• A Credit Counsellor.
• A Financial Planner.
• A Wealth Manager.
• An Investment Adviser.
• A Portfolio Manager.
• An Insurance Broker (unless separately licensed for such activities).

The Platform does not provide regulated financial advisory services.

28.7 No Financial Advice

Information available on the Platform is provided for general informational and operational purposes only.

Nothing available through the Platform constitutes:

• Financial advice.
• Investment advice.
• Tax advice.
• Accounting advice.
• Legal advice.
• Credit advice.
• Lending recommendations.
• Insurance recommendations.

Users should seek independent professional advice before making financial decisions.

28.8 No Guarantee of Funding

Publication of a Financial Requirement Listing does not guarantee:

• Loan approval.
• Funding.
• Financing.
• Credit sanction.
• Investor interest.
• Business responses.
• Successful negotiations.
• Completion of any transaction.
• Business outcomes depend entirely upon the independent decisions of Users and Business Members.

28.9 No Verification Guarantee

Although the Company may implement verification processes for certain Users or Business Members, the Company does not guarantee:

• Identity.
• Financial capacity.
• Creditworthiness.
• Regulatory compliance.
• Business legitimacy.
• Professional qualifications.
• Licences.
• Documents.
• Statements made by Users.

Verification performed by the Company is limited in scope and should not be treated as a guarantee or certification.

28.10 Independent Due Diligence

Users are solely responsible for conducting appropriate due diligence before:

• Sharing confidential information.
• Entering negotiations.
• Signing agreements.
• Making payments.
• Providing loans.
• Accepting loans.
• Purchasing services.
• Relying upon information obtained through the Platform.

The Company strongly recommends independent verification of all material facts.

28.11 No Guarantee of Platform Availability

The Company does not guarantee that the Platform shall always be:

• Available.
• Error-free.
• Secure.
• Continuous.
• Compatible with every device.
• Free from interruptions.
• Free from maintenance periods.

Temporary interruptions may occur due to maintenance, upgrades, security measures, or events beyond the Company's reasonable control.

28.12 Third-Party Services

The Platform may integrate or interact with third-party services including:

• Payment Processors.
• SMS Providers.
• Email Providers.
• Cloud Hosting Services.
• Analytics Services.
• Identity Verification Services.
• Communication Services.

The Company is not responsible for the acts, omissions, availability, or policies of independent third-party service providers.

28.13 External Links

The Platform may contain links to third-party websites or resources.

Such links are provided solely for convenience.

The Company:

• Does not control third-party websites.
• Does not endorse third-party content.
• Does not guarantee third-party services.
• Is not responsible for third-party privacy practices or terms.

Users access third-party websites at their own risk.

28.14 User-Generated Content

Listings, Business Profiles, Reviews, comments, messages, and other User-generated content are created by independent Users.

The Company does not routinely verify every item of User-generated content and does not warrant its:

• Accuracy.
• Completeness.
• Reliability.
• Legality.
• Timeliness.

Users remain solely responsible for their own content.

28.15 No Employment or Agency Relationship

Nothing contained in these Terms creates:

• Employment.
• Agency.
• Partnership.
• Joint Venture.
• Franchise.
• Fiduciary Relationship.
• Representative Relationship.
• between SMARTAXIS PRIVATE LIMITED and any User or Business Member.

28.16 No Warranty

To the fullest extent permitted by applicable law, the Platform and its services are provided on an "AS IS" and "AS AVAILABLE" basis.

The Company expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including implied warranties of:

• Merchantability.
• Fitness for a particular purpose.
• Non-infringement.
• Accuracy.
• Reliability.
• Continuous availability.
• Nothing in this Section limits statutory warranties that cannot legally be excluded.

28.17 Force Majeure

The Company shall not be responsible for failure or delay in performing its obligations where such failure or delay results from events beyond its reasonable control, including:

• Natural disasters.
• Floods.
• Earthquakes.
• Fires.
• Pandemics.
• Epidemics.
• War.
• Civil unrest.
• Government actions.
• Internet outages.
• Power failures.
• Cyberattacks.
• Labour disputes.
• Telecommunications failures.

The Company shall use commercially reasonable efforts to resume services as soon as practicable.

28.18 Regulatory Compliance

Users remain solely responsible for ensuring that their activities comply with:

• RBI regulations.
• Applicable financial laws.
• Consumer protection laws.
• Tax laws.
• Data protection laws.
• Licensing requirements.
• Other applicable legal obligations.

The Company's provision of the Platform does not relieve Users of their own legal responsibilities.

28.19 Limitation of Platform Role

The Company does not:

• Negotiate transactions.
• Verify every Listing.
• Collect repayments.
• Recover debts.
• Guarantee repayments.
• Guarantee performance.
• Act as an escrow service.
• Hold client funds.
• Resolve commercial disputes between Users.

The Platform's role is limited to facilitating the publication of Listings and communication between Users.

28.20 Reliance on Information

Users acknowledge that any decision made using information available through the Platform is made entirely at their own discretion and risk.

The Company is not responsible for:

• Business decisions.
• Investment decisions.
• Lending decisions.
• Borrowing decisions.
• Commercial negotiations.
• Agreements entered into by Users.

28.21 Chapter Summary

This Chapter establishes the legal limitations and disclaimers governing the FinDeals Platform. It clarifies that SMARTAXIS PRIVATE LIMITED operates solely as a technology-enabled financial classifieds platform and is not a bank, NBFC, lender, broker, financial adviser, or party to transactions between Users. Users remain responsible for conducting independent due diligence, complying with applicable laws, and making their own commercial and financial decisions.

Chapter 29 — LIMITATION OF LIABILITY, INDEMNIFICATION & RELEASE

29.1 Purpose

The purpose of this Chapter is to establish the allocation of risks, responsibilities, liabilities, indemnification obligations, and legal protections applicable to SMARTAXIS PRIVATE LIMITED, the FinDeals Platform, Users, Business Members, and related parties.

This Chapter survives termination of these Terms to the extent permitted by applicable law.

29.2 Allocation of Risk

The FinDeals Platform enables independent Users and Business Members to connect and communicate.

Each User acknowledges that:

• Participation is voluntary.
• Commercial decisions are made independently.
• Financial decisions are made independently.
• Business relationships are formed solely between Users.

The Company is not responsible for the outcome of such relationships.

29.3 Company's Limited Role

SMARTAXIS PRIVATE LIMITED provides only a technology platform.

The Company does not:

• Approve transactions.
• Recommend Users.
• Verify every Listing.
• Guarantee funding.
• Guarantee repayments.
• Guarantee business success.
• Negotiate agreements.
• Hold money in escrow.
• Collect repayments.
• Recover debts.

29.4 Limitation of Liability

To the fullest extent permitted by applicable law, SMARTAXIS PRIVATE LIMITED, its directors, officers, employees, affiliates, contractors, licensors, service providers, and agents shall not be liable for losses arising from:

• User conduct.
• Business decisions.
• Loan decisions.
• Financial decisions.
• Failed negotiations.
• Misrepresentation by Users.
• Fraud committed by third parties.
• Fake Listings.
• Fake Business Members.
• Identity theft.
• Payment delays.
• Network failures.
• Platform interruptions.
• Third-party services.
• Unauthorized access despite reasonable security measures.
• Data inaccuracies supplied by Users.

29.5 Excluded Damages

To the fullest extent permitted by applicable law, the Company shall not be liable for any:

• Indirect damages.
• Incidental damages.
• Special damages.
• Exemplary damages.
• Punitive damages.
• Consequential damages.
• Loss of profits.
• Loss of revenue.
• Loss of goodwill.
• Loss of business opportunity.
• Loss of anticipated savings.
• Loss of reputation.
• Loss of data.
• Business interruption.
• whether arising in contract, tort (including negligence), statute, or otherwise.
• Nothing in this Section excludes liability that cannot legally be excluded.

29.6 Liability Cap

To the fullest extent permitted by applicable law, the aggregate liability of SMARTAXIS PRIVATE LIMITED arising out of or relating to these Terms or the Platform shall not exceed the total amount actually paid by the affected User to the Company for the specific service giving rise to the claim during the twelve (12) months immediately preceding the event giving rise to such claim.

If no payment has been made by the User during that period, the Company's maximum liability shall be limited to the minimum amount permitted under applicable law.

This limitation shall not apply where liability cannot legally be limited or excluded.

29.7 No Liability for Third Parties

The Company shall not be responsible for acts or omissions of:

• Banks.
• NBFCs.
• Financial Institutions.
• Business Members.
• Borrowers.
• Payment Processors.
• Cloud Service Providers.
• Telecom Providers.
• Internet Service Providers.
• Government Authorities.
• Third-party Software Providers.
• Other independent third parties.

29.8 User Assumption of Risk

Users acknowledge that engaging with unknown individuals or businesses over the internet involves inherent risks.

Users voluntarily assume responsibility for risks associated with:

• Business negotiations.
• Lending.
• Borrowing.
• Sharing documents.
• Sharing personal information.
• Meetings.
• Payments.
• Commercial transactions.

29.9 Indemnification by Users

Each User agrees to defend (where applicable), indemnify, and hold harmless SMARTAXIS PRIVATE LIMITED, its directors, officers, employees, affiliates, licensors, contractors, and agents from and against any claims, demands, proceedings, liabilities, damages, judgments, penalties, fines, costs, and reasonable legal expenses arising out of or relating to:

• Violation of these Terms.
• Violation of applicable law.
• User Content.
• Intellectual Property infringement.
• Fraudulent conduct.
• Misrepresentation.
• Misuse of Contact Unlock information.
• Privacy violations.
• Regulatory violations.
• Disputes with other Users.

The Company may assume control of the defence of any matter subject to indemnification, and the User agrees to reasonably cooperate.

29.10 Release Between Users

To the fullest extent permitted by applicable law, Users release SMARTAXIS PRIVATE LIMITED from claims arising solely from disputes between:

• Users.
• Business Members.
• Borrowers.
• Service Providers.
• Financial Institutions.
• Other independent parties using the Platform.

Users are encouraged to resolve disputes directly or through appropriate legal processes.

29.11 Regulatory Claims

The Company shall not be responsible for penalties, losses, or regulatory actions resulting from a User's own:

• Licensing failures.
• Regulatory violations.
• Tax non-compliance.
• Consumer law violations.
• Financial law violations.
• Misrepresentation.
• Each User remains solely responsible for complying with applicable legal obligations.

29.12 User Content Liability

Users remain solely responsible for:

• Listings.
• Documents.
• Images.
• Messages.
• Business Profiles.
• Reviews.
• Comments.
• Other uploaded content.

The Company is not the publisher of User-generated content in the traditional sense and may remove content that violates these Terms or applicable law.

29.13 Security Incidents

Although the Company implements commercially reasonable security measures, it cannot guarantee complete protection against:

• Cyberattacks.
• Malware.
• Phishing.
• Zero-day vulnerabilities.
• Internet failures.
• Data interception.
• Unauthorized third-party attacks.

Users acknowledge these inherent risks associated with internet-based services.

29.14 Force Majeure

The Company shall not be liable for delays or failures resulting from events beyond its reasonable control, including:

• Natural disasters.
• Floods.
• Earthquakes.
• Fires.
• Epidemics.
• Pandemics.
• War.
• Terrorist acts.
• Civil unrest.
• Government restrictions.
• Internet failures.
• Power outages.
• Telecommunications failures.
• Cybersecurity incidents.
• Labour disputes.

The Company shall use commercially reasonable efforts to restore services where practicable.

29.15 Mitigation of Loss

Users shall take reasonable steps to mitigate any losses they believe have arisen in connection with the Platform.

Failure to take reasonable mitigation measures may be considered when assessing claims to the extent permitted by applicable law.

29.16 Time Limit for Claims

To the extent permitted by applicable law, any claim arising out of or relating to these Terms or the Platform should be brought within one (1) year from the date the User knew or reasonably should have known of the facts giving rise to the claim.

This provision shall not apply where a different limitation period is mandated by applicable law.

29.17 Survival

The provisions relating to:

• Limitation of Liability.
• Indemnification.
• Intellectual Property.
• Confidentiality.
• Privacy.
• Dispute Resolution.
• Governing Law.
• Outstanding Payment Obligations.
• shall survive termination or expiration of these Terms to the extent necessary to give them effect.

29.18 Severability of Liability Provisions

If any limitation of liability or indemnification provision is found unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect to the maximum extent permitted by applicable law.

29.19 No Waiver

The Company's failure to enforce any right under this Chapter shall not constitute a waiver of that right or any other right under these Terms.

29.20 Chapter Summary

This Chapter establishes the allocation of legal risk between SMARTAXIS PRIVATE LIMITED and Platform Users. It limits the Company's liability to the maximum extent permitted by applicable law, requires Users to indemnify the Company against claims arising from their conduct, releases the Company from disputes solely between Users, and clarifies that the Company's role is limited to providing a technology platform rather than participating in financial or commercial transactions.

Chapter 30 — DISPUTE RESOLUTION, ARBITRATION & GOVERNING LAW

30.1 Purpose

The purpose of this Chapter is to establish the procedures governing disputes, claims, arbitration, governing law, jurisdiction, and related legal matters arising out of or relating to the FinDeals Platform, these Terms, or the services provided by SMARTAXIS PRIVATE LIMITED.

The Company encourages the prompt, fair, and efficient resolution of disputes.

30.2 Good Faith Resolution

Before initiating formal legal proceedings, the parties agree to make reasonable efforts to resolve disputes through good-faith discussions.

A User shall first submit the dispute through the Company's designated customer support or grievance mechanism.

The Company shall use commercially reasonable efforts to review and respond within a reasonable period.

30.3 Scope of Disputes

This Chapter applies to disputes relating to:

• Platform Services.
• User Accounts.
• Memberships.
• Credits.
• Contact Unlock.
• Financial Requirement Listings.
• Payments.
• Refunds.
• Privacy.
• Intellectual Property.
• User Content.
• Suspension or Termination.
• Interpretation of these Terms.
• Any other matter arising from the use of the Platform.

30.4 Disputes Between Users

Users acknowledge that disputes between:

• Borrowers.
• Business Members.
• Financial Institutions.
• Consultants.
• Service Providers.
• Other Users.
• are generally the responsibility of the parties directly involved.

SMARTAXIS PRIVATE LIMITED is not obligated to mediate or resolve such disputes, although it may, at its sole discretion, facilitate communication or take appropriate Platform enforcement actions.

30.5 Internal Complaint Process

Users may submit complaints through the Company's officially designated communication channels.

Complaints should include:

• User identification.
• Description of the issue.
• Relevant dates.
• Supporting documents.
• Requested resolution.
• Incomplete complaints may require additional information before review.

30.6 Grievance Officer

Where required by applicable law, the Company shall designate a Grievance Officer to receive and process eligible complaints.

The Grievance Officer's contact details shall be published on the Platform and may be updated from time to time.

30.7 Mediation (Optional)

Before commencing arbitration, the parties may mutually agree to attempt mediation.

Participation in mediation shall be voluntary unless otherwise required by applicable law or a written agreement between the parties.

30.8 Arbitration Agreement

Subject to applicable law, any dispute arising out of or relating to these Terms that cannot be resolved through good-faith discussions may be referred to arbitration.

The arbitration agreement contained in this Chapter survives termination of these Terms.

30.9 Arbitration Law

Arbitration shall be conducted in accordance with the Arbitration and Conciliation Act, 1996, as amended from time to time, unless otherwise required by applicable law.

30.10 Appointment of Arbitrator

Unless otherwise agreed by the parties or required by applicable law:

The arbitration shall be conducted by a sole arbitrator.

The arbitrator shall be appointed by mutual agreement of the parties.

• If the parties cannot agree, the appointment shall be made in accordance with applicable law.

30.11 Seat and Venue of Arbitration

Unless otherwise agreed in writing:

The seat of arbitration shall be Hyderabad, Telangana, India.

• Hearings may be conducted physically, virtually, or through a hybrid format where permitted by law.

30.12 Language

The arbitration proceedings shall be conducted in the English language, unless the parties mutually agree otherwise or applicable law requires otherwise.

30.13 Confidentiality

The parties shall use reasonable efforts to maintain the confidentiality of:

• Arbitration proceedings.
• Evidence.
• Settlement discussions.
• Awards.
• Commercial information.
• except where disclosure is required by law or necessary for enforcement of legal rights.

30.14 Interim Relief

Nothing in this Chapter prevents either party from seeking interim, emergency, or injunctive relief from a court of competent jurisdiction where such relief is necessary to protect legal rights pending resolution of the dispute.

30.15 Court Jurisdiction

Subject to the arbitration provisions contained in this Chapter, the courts having jurisdiction over Hyderabad, Telangana, India, shall have exclusive jurisdiction over matters that:

• Cannot legally be referred to arbitration.
• Require judicial intervention.
• Concern enforcement of arbitral awards.
• Require interim relief.
• Are otherwise required by applicable law to be decided by a court.

30.16 Governing Law

These Terms, the Platform, and all disputes arising from or relating to them shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

30.17 Electronic Evidence

The parties acknowledge that electronic records may constitute valid evidence, including:

• Login records.
• OTP verification logs.
• Communication records.
• Payment records.
• Contact Unlock history.
• System logs.
• IP logs.
• Audit logs.
• Such records may be relied upon subject to applicable law.

30.18 Costs

Unless otherwise determined by the arbitrator or required by applicable law:

• Each party shall bear its own legal costs.
• Arbitration costs shall be allocated in accordance with the arbitral award or applicable law.

30.19 Limitation

Nothing contained in this Chapter:

• Restricts statutory consumer rights.
• Prevents reporting criminal offences.
• Prevents reporting regulatory violations.
• Prevents approaching competent authorities where required by applicable law.

30.20 Chapter Summary

This Chapter establishes the framework for resolving disputes arising from the FinDeals Platform. It encourages good-faith resolution, provides for an internal complaint process, permits mediation by mutual agreement, and requires arbitration under the Arbitration and Conciliation Act, 1996 where appropriate. The governing law is the law of India, the seat of arbitration is Hyderabad, Telangana, and the courts at Hyderabad retain jurisdiction over matters that cannot legally be arbitrated or require judicial intervention.

Chapter 31 — AMENDMENTS, NOTICES & ELECTRONIC COMMUNICATIONS

31.1 Purpose

The purpose of this Chapter is to establish the legal framework governing amendments to these Terms, electronic communications, notices, consent to electronic records, and the methods by which SMARTAXIS PRIVATE LIMITED communicates with Users of the FinDeals Platform.

Users acknowledge that electronic communications are an essential part of the Platform's operation.

31.2 Right to Amend

SMARTAXIS PRIVATE LIMITED reserves the right to amend, modify, update, replace, or discontinue these Terms, in whole or in part, from time to time where reasonably necessary, including to:

• Comply with applicable laws.
• Reflect regulatory changes.
• Improve Platform functionality.
• Introduce new features.
• Enhance security.
• Address operational requirements.
• Clarify existing provisions.
• Protect the Company, Users, or the Platform.

31.3 Effective Date

Unless otherwise stated, revised Terms shall become effective on the date specified in the updated version published on the Platform.

Where required by applicable law or where the changes materially affect Users' rights or obligations, the Company shall provide reasonable advance notice before such changes take effect.

31.4 User Acceptance

Users accept revised Terms by:

• Continuing to access the Platform.
• Continuing to use Platform Services.
• Renewing Memberships.
• Purchasing Credits.
• Publishing Listings.
• Using Contact Unlock.
• Continuing to maintain an active Account after the effective date.

Where applicable law requires express consent for specific changes, the Company shall obtain such consent before those changes become effective.

31.5 Notification Methods

The Company may provide notices through one or more of the following methods:

• Website announcements.
• Mobile application notifications.
• In-app notifications.
• Email.
• SMS.
• WhatsApp messages.
• Push notifications.
• Dashboard notifications.
• Customer support communications.
• Other electronic communication methods made available by the Platform.

The Company may use the method most appropriate to the nature and urgency of the notice.

31.6 Types of Notices

The Company may issue notices relating to:

• Changes to these Terms.
• Privacy Policy updates.
• Membership changes.
• Credit balances.
• Contact Unlock activities.
• Payment confirmations.
• Refund decisions.
• Account verification.
• Account suspension.
• Security alerts.
• Password resets.
• Login alerts.
• Maintenance schedules.
• Service interruptions.
• Legal notices.
• Regulatory updates.
• Promotional communications (where permitted by applicable law).

31.7 Electronic Consent

By registering an Account or using the Platform, Users consent to receive electronic communications from SMARTAXIS PRIVATE LIMITED relating to:

• Platform Services.
• Transactions.
• Account management.
• Security.
• Legal notices.
• Customer support.
• Service updates.

Such electronic communications shall satisfy any legal requirement that communications be in writing, to the extent permitted by applicable law.

31.8 User Contact Information

Users are responsible for ensuring that their:

• Mobile Number.
• Email Address.
• Business Contact Details.
• Notification Preferences.
• remain accurate and up to date.

The Company shall not be responsible for notices not received because a User failed to maintain accurate contact information.

31.9 Delivery of Notices

A notice shall generally be deemed delivered when it is:

• Successfully sent to the registered email address.
• Successfully delivered to the registered mobile number or messaging service.
• Displayed within the User's Account or Business Dashboard.
• Published on the Platform where appropriate.

Actual reading of the notice by the User is not required where delivery has been successfully completed, subject to applicable law.

31.10 Electronic Records

The parties acknowledge that electronic records generated by the Platform may include:

• Account registration records.
• OTP verification logs.
• Login records.
• Membership records.
• Credit transactions.
• Contact Unlock history.
• Payment confirmations.
• Communication logs.
• Audit logs.
• System-generated reports.

Such records may be maintained electronically and relied upon as evidence, subject to applicable law.

31.11 Electronic Signatures

Where permitted by applicable law, electronic acceptance, electronic acknowledgements, OTP verification, click-wrap acceptance, and other lawful electronic authentication methods may constitute valid evidence of a User's consent to these Terms or other Platform actions.

31.12 Promotional Communications

Subject to applicable law, the Company may send promotional communications relating to:

• New services.
• Membership offers.
• Platform features.
• Educational content.
• Business opportunities.
• Product announcements.

Users may opt out of promotional communications where legally required or where such option is made available.

Opting out of promotional communications does not affect the Company's ability to send essential service, security, transactional, or legal notices.

31.13 Security Communications

The Company may send urgent security communications without prior consent where reasonably necessary to:

• Protect User Accounts.
• Prevent fraud.
• Investigate suspicious activity.
• Respond to cybersecurity incidents.
• Comply with legal obligations.

Users acknowledge that such communications are essential for Platform security.

31.14 Service Announcements

The Company may issue service announcements concerning:

• Scheduled maintenance.
• Emergency maintenance.
• Platform upgrades.
• Feature releases.
• Temporary interruptions.
• Service restoration.
• Regulatory changes affecting the Platform.

31.15 Language of Communications

Unless otherwise specified, official legal communications from SMARTAXIS PRIVATE LIMITED shall be provided in the English language.

The Company may provide translations for convenience; however, in the event of any inconsistency, the English version shall prevail to the extent permitted by applicable law.

31.16 User Communications

Users may communicate with the Company only through officially designated communication channels published on the Platform.

The Company is not responsible for communications sent to unofficial email addresses, social media accounts, or unauthorized representatives claiming to act on its behalf.

31.17 Preservation of Records

The Company may retain notices, communications, and electronic records for periods reasonably necessary to:

• Operate the Platform.
• Resolve disputes.
• Prevent fraud.
• Conduct audits.
• Comply with legal obligations.
• Enforce these Terms.

31.18 No Waiver

The Company's failure to send a notice immediately, or its failure to enforce any provision promptly, shall not constitute a waiver of any right under these Terms.

31.19 Chapter Summary

This Chapter establishes the legal framework for amendments to these Terms and electronic communications between SMARTAXIS PRIVATE LIMITED and Platform Users. It authorizes the Company to update the Terms where reasonably necessary, describes how Users will be notified, recognizes the legal validity of electronic communications and records, and places responsibility on Users to maintain accurate contact information and remain informed of important Platform notices.

Chapter 32 — MISCELLANEOUS PROVISIONS

32.1 Purpose

The purpose of this Chapter is to establish the general legal provisions governing the interpretation, enforcement, continuation, and administration of these Terms. These provisions shall apply to the fullest extent permitted by applicable law.

32.2 Entire Agreement

These Terms, together with the following documents where applicable:

• Privacy Policy
• Refund & Cancellation Policy
• Community Guidelines
• Membership Terms
• Credits Policy
• Contact Unlock Rules
• Any additional policies expressly incorporated by reference

constitute the entire agreement between SMARTAXIS PRIVATE LIMITED and the User regarding the use of the FinDeals Platform.

These documents supersede all prior discussions, understandings, proposals, or agreements relating to the Platform, whether oral or written.

32.3 Severability

If any provision of these Terms is held by a court or other competent authority to be invalid, illegal, unenforceable, or contrary to applicable law, such provision shall be modified or interpreted to the minimum extent necessary to make it enforceable.

The remaining provisions shall continue in full force and effect.

32.4 No Waiver

Failure by SMARTAXIS PRIVATE LIMITED to exercise or enforce any right or provision under these Terms shall not constitute a waiver of that right or provision.

Any waiver shall be effective only if made in writing by an authorized representative of the Company.

32.5 Assignment by the Company

The Company may assign, transfer, delegate, or novate its rights or obligations under these Terms, in whole or in part, including in connection with:

• Corporate restructuring.
• Merger.
• Acquisition.
• Sale of business.
• Asset transfer.
• Internal group reorganization.

Such assignment shall not materially reduce Users' contractual rights except as permitted by applicable law.

32.6 Assignment by Users

Users shall not assign, transfer, sublicense, delegate, or otherwise dispose of their Accounts, Memberships, Credits, or rights under these Terms without the Company's prior written consent.

Any unauthorized assignment shall be void to the extent permitted by applicable law.

32.7 Successors and Assigns

These Terms shall bind and benefit:

SMARTAXIS PRIVATE LIMITED.

• Its successors.
• Permitted assigns.
• Users.
• Their lawful successors where applicable.

32.8 Independent Relationship

Nothing contained in these Terms creates:

• Partnership.
• Joint Venture.
• Agency.
• Employment.
• Franchise.
• Fiduciary Relationship.
• between SMARTAXIS PRIVATE LIMITED and any User or Business Member.
• Each party acts independently and on its own behalf.

32.9 Third-Party Rights

Except where expressly provided by applicable law or these Terms, no person who is not a party to these Terms shall have any right to enforce any provision contained herein.

Nothing in this Section affects the rights of third-party service providers under their separate agreements with the Company.

32.10 Compliance with Laws

Users agree to comply with all applicable:

• Central laws.
• State laws.
• Local regulations.
• Financial regulations.
• Consumer protection laws.
• Tax laws.
• Data protection laws.
• Anti-money laundering laws.
• Cybersecurity laws.
• Intellectual Property laws.

Users remain solely responsible for ensuring their own legal compliance.

32.11 Export Control and Sanctions

Where applicable, Users shall not use the Platform in violation of:

• Export control laws.
• Trade restrictions.
• Economic sanctions.
• Government embargoes.
• Other applicable international legal restrictions.

The Company may restrict access where required to comply with applicable law.

32.12 Interpretation

Unless the context otherwise requires:

• Singular includes plural.
• Plural includes singular.
• Any gender includes every gender.

References to persons include individuals, companies, partnerships, LLPs, trusts, government bodies, and other legal entities.

References to laws include amendments, replacements, and subordinate legislation.

The words "including" and "includes" mean "including without limitation."

32.13 Headings

Headings and titles are provided solely for convenience and shall not affect the interpretation of these Terms.

32.14 Survival

Any provision which by its nature should survive termination shall continue to remain effective after termination of these Terms, including but not limited to:

• Payment Obligations.
• Intellectual Property Rights.
• Privacy.
• Confidentiality.
• Indemnification.
• Limitation of Liability.
• Dispute Resolution.
• Governing Law.
• Fraud Investigations.
• Record Retention.

32.15 Records

The Company may maintain electronic and physical records relating to:

• User Accounts.
• Listings.
• Memberships.
• Credits.
• Contact Unlock.
• Payments.
• Communications.
• Complaints.
• Investigations.
• Legal proceedings.

Such records may be retained for periods reasonably necessary to comply with legal obligations, resolve disputes, prevent fraud, and operate the Platform.

32.16 Notices

Official notices relating to these Terms shall be provided in accordance with Chapter 31 – Amendments, Notices & Electronic Communications.

32.17 Contact Information

Users may contact SMARTAXIS PRIVATE LIMITED through the official communication channels published on the FinDeals Platform for:

• Customer Support.
• Grievances.
• Legal Notices.
• Privacy Requests.
• Intellectual Property Complaints.
• Business Enquiries.

The Company may update its contact details from time to time.

32.18 Reservation of Rights

Any right not expressly granted to Users under these Terms is reserved by SMARTAXIS PRIVATE LIMITED.

The Company's failure to exercise any right immediately shall not affect its ability to exercise that right at a later time.

32.19 Electronic Version

The electronic version of these Terms published on the FinDeals Platform shall constitute the official version.

Printed copies are provided only for convenience and shall not prevail over the official electronic version in the event of any inconsistency, except where required by applicable law.

32.20 Final Legal Effect

By accessing, registering, or using the FinDeals Platform, Users acknowledge that they have:

• Read these Terms.
• Understood these Terms.
• Agreed to be legally bound by these Terms.
• Agreed to comply with all applicable Platform Policies.
• Accepted the rights and obligations described herein.
• These Terms constitute a legally binding agreement between the User and SMARTAXIS PRIVATE LIMITED.

32.21 Chapter Summary

This Chapter contains the miscellaneous legal provisions necessary for the interpretation, administration, and continued enforceability of these Terms. It addresses matters such as the entire agreement, severability, assignments, compliance with laws, survival of key provisions, official records, interpretation rules, and the legal effect of these Terms, ensuring that the agreement remains comprehensive and enforceable.