Edgro Finance PrivateLimited, is an NBFC licensed to operate by the Reserve Bank of India and acompany incorporated in accordance with the Companies Act, 2013 and offersvarious credit facilities and other services to its customers (hereinafterreferred to as “Company”, “We”, “Us” which term unlessotherwise repugnant to the context shall include its successors and permittedassigns). As an NBFC, the Company is categorized as an NBFC-Base Layer until itachieves balance sheet asset size of ₹1000 crore. These terms and conditionsgovern the use of the website, www.edgro.com (“Website”) by the user(hereinafter referred to as “User”, “You”, or “Your”). TheCompany owns and operates the Website whereby We provide information inrelation to the credit facilities and services offered by the Company.

PLEASE READ THESE TERMSAND CONDITIONS CAREFULLY. THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU, ANDTHE COMPANY. THESE TERMS AND CONDITIONS ALONG WITH THE PRIVACY POLICY AND OTHERPOLICIES AS AVAILABLE ON THE WEBSITE IS HEREINAFTER COLLECTIVELY REFERRED TO AS“TERMS”.

BY ACCESSING THISWEBSITE, OR ANY PAGES THEREOF, AND/OR USING THE INFORMATION PROVIDED ON THISWEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS.

IN THE EVENT THE TERMSARE NOT ACCEPTABLE TO YOU, PLEASE DO NOT ACCESS THE WEBSITE. THE TERMSCONTAINED HEREIN EXPRESSLY SUPERSEDE ALL PRIOR AGREEMENTS OR ARRANGEMENTSBETWEEN THE COMPANY AND THE USER IN RELATION TO THE BROWSING OR USAGE OF THEWEBSITE.

YOU FURTHER UNDERSTANDTHAT THE ACCESS TO THE WEBSITE AND THE OFFER OF SERVICES IS CONDITIONAL UPONYOUR IRREVOCABLE CONSENT AND ACCEPTANCE OF THE TERMS CONTAINED HEREIN (AS MAYBE AMENDED FROM TIME TO TIME).

The User acknowledgesthat active internet connection will be required to access information andcontent available on the Website. The Company does not assume anyresponsibility/liability if the Website is not fully functional due to absence/insufficiency of the required internet connection.

IN THE EVENT OF ANYCONFLICT BETWEEN THE TERMS AND THE TERMS CONTAINED IN THE SPECIFIC AGREEMENTEXECUTED BETWEEN THE COMPANY AND THE USER, THE TERMS OF SUCH AGREEMENT SHALLSUPERCEDE THE TERMS CONTAINED HEREIN.

Headings of clauses areonly for convenience and are not intended to be used to interpret the contentsthereunder. Please read these Terms in full.

I.               General

These Terms sets forththe terms and conditions that apply to use of this Website by a User. The Termsare governed by the provisions of the applicable Indian laws, the rules,regulations, guidelines, and clarifications framed thereunder, including butnot limited to:

1.          TheIndian Contract Act, 1872;

2.          TheInformation Technology Act, 2000;

3.          TheInformation Technology (Reasonable Security Practices and Procedures andSensitive Personal Information) Rules, 2011; and

4.          TheInformation Technology (Intermediaries Guidelines) Rules, 2011.

These Terms and Youractivity under these Terms are an electronic record as per the (Indian)Information Technology Act, 2000 and these Terms being electronically generatedby a computer system does not require any physical or digital signatures.

II.               UserRepresentation

The User of thisWebsite unequivocally declares and agrees that the User is a natural / legalperson who has attained the age of at least 18 years and is legally allowed toenter into a contract in India. The User is allowed to utilize the services ofthe Company in accordance with the terms and conditions detailed under theseTerms. By using this Website, the User hereby undertakes to agree and abide bythe Terms detailed herein. If the User violates any of these Terms, orotherwise violates an agreement entered into through the medium of the Website,the Company may prohibit the User from using or accessing the Website at anytime in its sole discretion, with or without notice.

III.               Compliancewith Terms

By using the Website,You agree to comply with all of the terms and conditions hereof. The right touse the Website is personal to You and is not transferable to any other personor entity. You are responsible for the use of Your account (as applicable) (underany screen name or password) and for ensuring that all use of Your accountcomplies fully with applicable laws and the provisions of these Terms. Youshall be responsible for protecting the confidentiality of Your logincredentials or password(s), if any.

IV.               Amendmentof Terms

The Company reservesright to change or modify, at any time, the Terms, or any part thereof, or toimpose new conditions, including but not limited to, adding fees and chargesfor use of the Website. Such changes, modifications, additions or deletionsshall be effective immediately upon notice thereof, which may be given by anymeans, including but not limited to, updating the Terms on the Website. Any useof the Website by You after such notice shall be deemed to constituteacceptance by You of such changes, modifications or additions.

V.               Grantof License

The Company grants Youa limited license to access and use the Website for availing the services, butnot to download any material from it (other than page caching) or modify it, orany portion of it, except with express written consent of the Company. Anyunauthorized access to the Website or any networks, servers or computer systemsconnected to the Website and any attempt to modify, adapt, translate or reverseengineer any part of the Website or re-format or frame any portion of the pagesof the Website is not permitted. This license is non-transferable and does notpermit any resale or commercial use of this Website or its contents; anydownloading or copying of account information for the benefit of anyone otherthan Your authorized use; or any use of data mining, robots, or similar datagathering and extraction tools. This Website or any portion of this Website(including but not limited to any copyrighted material, trademarks, or otherproprietary information) may not be reproduced, duplicated, copied, sold,resold, visited, distributed or otherwise exploited for any commercial purposewithout express written consent of the Company. Any unauthorized use of theWebsite shall terminate the permission or revoke the license granted by theCompany.

VI.               Useof Information

The content (material,information, data, news items, texts, graphics, links etc.) (“Content”)contained on this Website is provided for general information only and shouldnot be used as a basis for making business/commercial decisions. You areadvised to exercise due caution and/or seek independent advice before availingany facility or entering into any financial obligation based on the Contentcontained on this Website.

The Content containedon this Website or other terms are provided on an "as is", "asavailable" basis and are protected by copyright. You may not distributethe Content to others without the express written consent of the Company. Youmay not copy, download, publish, distribute or reproduce any of the Contentcontained on this Website in any form without prior permission of the Company.

VII.               CreditFacilities and Services

Credit facilities andother services offered by the Company are subject to such terms and conditionsas applicable to such credit facilities and services as may be notified by theCompany and such credit facilities and services may be withdrawn or amended atany time without notice.

All rates, charges and fees quoted / stated for various credit facilities,services, schemes and interest rates are cited as examples of rates which maybe in effect from time to time and are purely indicative rates only and aresubject to change at any time at the sole discretion of the Company and aresubject to applicable laws. These charges, fees and rates may change dependingupon the assessment made by the Company in individual cases upon receivingnecessary information and documents.

VIII.               MonitoringUse of Website

The Company has theright and liberty to monitor the content of the Website at all times whichshall include information provided in Your account. The monitoring of theWebsite is important to determine the veracity of the information provided byYou and that every User remains in consonance with the Terms provided herein.Subject to the Terms mentioned herein the Company shall also have the libertyto remove any objectionable content which is in contravention of the Termsherein or share such information with any governmental authority as perprocedures laid down by the law for the time being in force in India.

IX.               IntellectualProperty Rights

The name of theCompany, its logo and trademark and the rights in the Website are exclusivelyowned by the Company. All rights relating to this Website as well as itsfunctionalities are the exclusive property of the Company (particularlyincluding but not limited to copyrights, trademarks, source code, patents aswell as any other intellectual property right therein). All the informationprovided on or via this Website (including all texts, graphics, design orlogos) shall be the intellectual property of the Company and or its affiliates.

X.               PrivacyPolicy

Any information sharedby You in governed as per the terms of the Privacy Policy available at https://www.edgrofin.com/privacy-policy . Please read and understand theterms of the Privacy Policy prior to sharing any information with Us.

XI.               Restrictionson Use of the Website

While browsing theWebsite or availing the credit facilities or other services from the Company,You agree that You shall not:

1.          infringethe Company’s or any third party's intellectual property rights, rights ofpublicity or privacy;

2.          publishor transmit any message, data, image or program which violates any law or whichdiscloses private or personal matters concerning any person;

3.          remove,circumvent, disable, damage or otherwise interfere with security relatedfeatures of the Website or features that enforce limitations on the use of theWebsite;

4.          uploadany viruses or any other computer code, files or programs designed tointerrupt, destroy or limit the functionality of any computer resource;

5.          reverseengineer, decompile, disassemble or otherwise attempt to discover the sourcecode of the Website or any part thereof;

6.          usethe Website in any manner that could damage, disable, overburden, or impair theWebsite;

7.          interfereor disrupt the Website or networks connected to the Website;

8.          providefalse, inaccurate or misleading information to the Company; and

9.          usethe Website for illegal or prohibited activities.

XII.               ThirdParty Websites

This Website maycontain links to other websites of affiliate companies. This Website alsocontains links to external websites, having further linked websites, controlledor offered by third parties, in order to help You find relevant websites,services and/or products which may be of interest to You. The contentsdisplayed or products / services offered on such third-party websites, or theirquality thereof are not endorsed, verified or monitored by the Company. TheCompany further does not assume any liability towards the actions or omissionsof the operators or owners of such external links or websites or for anyproducts or services they supply or for the contents of their websites.

XIII.               Disclaimers

To the fullest extentpermissible pursuant to applicable law, the Company, and any of Company’sthird-party partners, licensors, and suppliers, disclaim all warranties,statutory, express or implied, including, but not limited to, impliedwarranties of merchantability, fitness for a particular purpose, andnon-infringement of proprietary rights. No advice or information, whether oralor written, obtained by You through the Website will constitute or create anyrepresentation or warranty not expressly stated herein.

You expressly agreethat use of the Website is at Your sole risk. The Website and any data,information, third party software, reference sites, services, or software madeavailable in conjunction with or through the Website are provided on an “as is”and “as available,” “with all faults” basis and without warranties orrepresentations of any kind either express or implied. The Company and anythird-party suppliers, licensors, and partners do not warrant that the data,software, functions, or any other information offered on or through the Websitewill be uninterrupted or free of errors, viruses or other harmful componentsand do not warrant that any of the foregoing will be corrected.

Company and anythird-party suppliers, licensors, and partners do not warrant or make anyrepresentations regarding the use or the results of the use of the Website interms of correctness, accuracy, reliability, or otherwise.

You understand andagree that if You use, access, download, or otherwise obtain information,materials, or data through the Website, the same shall be at Your owndiscretion and risk and that You will be solely responsible for any damage toYour property (including Your computer system and/or other device) or loss ofdata that results from the download or use of such material or data.

You acknowledge andagree You have entered into these Terms in reliance upon the Disclaimers andthe Limitations of Liability set forth herein, that the Disclaimers and theLimitations of Liability set forth herein reflect a reasonable and fairallocation of risk between You and Company, and that the Disclaimers and theLimitations of Liability set forth herein form an essential basis of thebargain between You and Company. Company would not be able to provide theWebsite to You on an economically reasonable basis without these limitations.

XIV.               GrievanceRedressal

In the event of anygrievances, You may notify the same to Us by contacting our grievance redressalofficer (“GRO”). The details of the GRO are specified hereinbelow:

Name: Mr. Sudeep Khapre

Contact No.: 7669571400

Email ID: gro@edgrofin.com

Address: No.1613 and1614, 7th Cross, 19th Main, 1st Sector HSR Layout, Bangalore, KA-560102

XV.               Indemnityand Limitation of Liability

You agree to indemnify,save, and hold the Company, its affiliates, contractors, employees, officers,directors, agents and its third party associates, licensors, and partnersharmless from any and all claims, demands, losses, damages, and liabilities, costsand expenses, including without limitation legal fees and expenses, arising outof or related to Your use or misuse of the Website, any violation by You ofthese Terms, Your infringement of any intellectual property or other right ofany person or entity, or as a result of any threatening, libelous, obscene,harassing or offensive material posted/ transmitted by You on the Website. TheCompany reserves the right, at Your expense, to assume the exclusive defenceand control of any matter for which You are required to indemnify the Company,including rights to settle, and You agree to cooperate with the Company’sdefence and settlement of these claims. The Company will use reasonable effortsto notify You of any claim, action, or proceeding brought by a third party thatis subject to the foregoing indemnification upon becoming aware of it. Thisparagraph shall survive any termination of Your use of this Website.

Neither the Company norany of its affiliate, contractors, employees, officers, directors, agents andits third-party associates, licensors, and partners shall be liable for anydirect or indirect, consequential, special or remote damages whatsoever thatmay arise from Your use of this Website.

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