GENERAL TERMS & CONDITIONS

I. CUSTOMER’S REPRESENTATIONS:

I hereby state, confirm and agree as under:

1. That I have applied for Bajaj-Finserv Existing Member Identification Number ("EMI Network Card / INSTA EMI CARD") of type as specified in this form ("Application Form"), from Bajaj Finance Limited ("BFL").
2. That I hereby unconditionally acknowledge and accept that:
   1. the EMI Network Card may be issued by BFL either in physical or electronic form.
   2. All particulars, information and details/information that I would provide in relation to my application would be true, correct and up to date in all respect and that I would not withheld any material information and I would be obligated to keep BFL immediately updated of any change in the information provided by me.
   3. I hereby authorize BFL to verify/check/obtain/download my KYC details from the CKYC Registry; (i) by verifying such details through the CKYC number (i.e. KYC Identifier Number- KIN) provided by me or (ii) by obtaining such CKYC number/KIN, through details shared by me as part of this Application Form.
   4. In the event, KYC is processed through OKYC, I hereby voluntarily consent at my own discretion to share the XML file containing my Aadhaar information to BFL & its permitted assigns / affiliates for the purpose of establishing my identity through such acceptable manner in terms of UIDAI guidelines or under any Act of law from time to time. I hereby also expressly declare that:
      1. My XML file containing my Aadhaar details will be used for KYC (Know Your Customer) purposes only to avail financial facilities from BFL and that the information submitted by me to BFL shall not be used for any other purpose, unless the same is required under any law;
      2. During offline verification process, my information such as Name, Photo, Date of Birth, Email ID, Mobile Number, Age, Gender, and address may be verified by BFL,
      3. I will be required to submit any other officially valid document (OVD) / Deemed to be OVD in place of Aadhaar.
   5. I shall submit any/all documents, in such form and manner as may be required by BFL in relation to my application, including but not limited to details as may be required for completion of my KYC requirement by BFL. Further in case of any changes in my registered KYC or bank account details, I will promptly update such changes with BFL.
   6. I shall make payment of the applicable fee and/or charges, as specified herein by BFL with respect to EMI Network Card and as more specifically detailed under Annexure I, below or such other fees/charges as provided on https://www.bajajfinserv.in/all-fees-and-charges-new#iec.
   7. I hereby agree to pay the Joining Fee as detailed under Annexure I below to BFL, for availing the EMI Network Card, however in case I wish to avail the "pay at store" option for payment of Joining Fee or such other fee as detailed under Annexure I, than same shall added to the first Monthly Installment or first down payment of the loan availed through EMI Network Card.
   8. I understand that my application shall be rejected by BFL, if all the documents as required by BFL are not furnished (in such form and manner acceptable to BFL), within the aforementioned timeline.
   9. I understand that the aforesaid fee and/or charges are subject to changes and are non-refundable and non-transferable.
   10. That I have read and understood the Master Terms and Conditions applicable to Loans for Consumer Durable, Digital, Life style products & EMI Network Cards ("Master Terms") prescribed by BFL and available on website: https://www.bajajfinserv.in/consumer-durables_master_t-and-c_english.pdf and understand the applicability of the same for issuance and usage of EMI Network Card and hereby agree to be bound by the same at all times including any additions/amendments thereto from time to time. I agree to keep myself updated of any revisions in the Master Terms as may be communicated by BFL through any Acceptable Means of Communication (as defined in the Master Terms).
   11. I shall keep my credentials including the login id and password/PIN issued by BFL and/or reset by me ("Credential") as confidential and not to share the same with any person/third party. Any use or misuse of the credentials including the transactions carried out using the credentials shall be my sole responsibility and BFL shall not be held responsible for any loss/damage incurred on account of such use or misuse.
3. I authorize BFL
   1. To exchange, share or part with all information relating to this application to credit bureaus/credit reference agencies, its group companies, financial institutions, Credit Information Companies (‘CIC’), Central KYC Registry (CERSAI) or any authorized third-party agency as BFL may deem necessary or appropriate for use or processing of the said information and shall not hold BFL or any of its group companies or its/ their agents/representatives) liable for use/sharing of the information as stated above.
   2. To seek/obtain any other information, relating to me, from any third party.
   3. To procure/avail my CIBIL report and provide it to me by deducting applicable charges for the same
   4. To share certain information related to EMI Network Card, which may include my KYC and transaction details with its business associates (subject to confidentiality restrictions) for integrating the EMI Network Card usage on such business associate’s website/ wallet, etc. as may be required for facilitating my use of EMI Network Card.
4. I hereby expressly consent for paying a Loan Enhancement Fee, in case where BFL allows to approve the Loan transaction amount over and above my EMI Card loan limit, as per its internal risk/credit policies and at its sole and absolute discretion. It is hereby clarified that payment of such fee would not enhance my overall EMI card loan limit. Further I agree that payment of such fee would be added to the first emi/monthly installment of my Loan transaction
5. I hereby authorize group companies, affiliates and/or business associates of BFL and their respective representatives to send me communications regarding loans, insurance and third-party products and services, availed by me through this Application Form, through telephone calls/SMSs/emails/post/WhatsApp etc. including but not limited to promotional communications. I understand that I can at any time opt to withdraw my consent to receive any communication.
6. That this Application Form, together with all its contents may be submitted to/contained herein:
   1. The subsidiaries, group companies, partners affiliates of BFL, any service provider/third party with reference to rendering services in connection with the product(s) availed by me.
   2. to any Regulator, Court, Law enforcement agency, Quasi-Judicial authority etc. on a need to need basis.

II. EMI NETWORK CARD TERMS:

1. EMI Network Card is neither a credit card nor a stored value card, etc. and is used only for authentication of Customer’s identity while providing the Loan.
2. All EMI Network Cardholders, who have not availed loan using the EMI Network Card in the preceding year, will be charged an Annual Fee, as detailed in Annexure I below. Preceding year will be calculated starting the issuance month mentioned on the EMI Network Card.
   1. For example: If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020.
3. For each valid transaction initiated and approved by the BFL on the EMI Network Card, a new Loan account will be created by BFL, provided that BFL may at its sole discretion reject such transaction initiated through the EMI Network Card. Further BFL may require additional documentation from the Customer for approving the said loan transaction.
4. BFL may at any time, at its sole discretion and without assigning any reason, decide to withdraw the EMI Network Card service and/ or terminate any specific EMI Network Card and will have no liability to the EMI Network Card-holder or any other person in this regard.
5. BFL is not an issuer/provider of the products purchased/services availed by the Customer through the EMI Network Card. Accordingly, BFL shall not be responsible for the quality or any assurances and/or representations made in relation to such products/services provided by third parties. BFL shall not be liable for any delay in delivery or no-delivery of product and/or with respect to the quantity, quality, conditions, fitness, suitability or otherwise whatsoever of the product.
6. The NACH mandate given by Customer in favour of BFL can be used to recover all Outstanding amount including fees, penalties, cost and other applicable charges in connection with any Loan availed by the Customer from BFL.
7. Terms used but not defined herein shall have the meaning ascribed to them in the Master Terms
8. In the event of an unauthorized access to or use of an EMI Network Card, EMI Network Cardholder shall immediately inform BFL and call/write to BFL’s Customer Care on 8698010101 and request for blocking the earlier EMI Network Card.
9. BFL Customer Care Contact details:
   • For any queries, visit our website https://www.bajajfinserv.in/reach-us. Select the <Email Us> tab and follow the directions to get your query resolved.
   • EMI Network Cardholders may also call BFL Customer Care for any grievances/queries related to EMI Network Card at 8698010101. This is not a toll-free number and normal call charges will be applicable
10. The Customer has given or shall give NACH mandate or any other electronic mandate in favor of BFL covering all the Outstandings. The NACH mandate or any other electronic mandate given or to be given in favour of BFL by the Customer holding the primary EMI Network Card, shall also cover all Outstandings in relation to the Add-on EMI Card linked to such Customer’s EMI Card.
11. The Customer shall observe and perform all the obligations as provided herein and as provided under the Master Terms. The EMI Customer holding the primary EMI Network Card shall observe and perform all obligations under the Master Terms in relation to the Loan(s) availed using the Add-on EMI Card linked to the primary EMI Network Card including but not limited to the terms governing repayment.
12. The Customer hereby agrees and acknowledges to perform his/her first transaction through the EMI Network Card at physical partner store of BFL (i.e BFL empanaled merchants and dealers https://bit.ly/34K4bc8).

III. EMI NETWORK CARD USAGE:

1. T1) The usage of the EMI Network Card is subject to the terms and conditions mentioned in this application and Master Terms accessible on https://www.bajajfinserv.in/consumer-durables_master_t-and-c_english.pdf as may be amended by BFL from time to time.
2. The usage of the EMI Network Card would be construed as the deemed acceptance of the Master Terms controlling the EMI Network Card.
3. By using the EMI Network Card, the customer may engage in the following transactions:
   1. use it for identification/authentication for availing finance facility from BFL.
   2. To avail loan for purchasing a Consumer Durable (CD) (LED, refrigerator, AC, smartphones, laptops etc.), Lifestyle (LSF) (furniture, life care elective procedures, educational services etc.) or Retail (apparel, footwear, small appliances, travel, coaching classes, hotels, flights, eyewear, accessories etc.) product, from outlets/stores owned and operated by Dealers & POS – Online & Offline, and such other products as may be authorized by BFL from time to time. ("Products") from the Dealers empaneled with BFL on equated monthly instalments from BFL where EMI Network Card is available & authorized;
   3. c) enquire about the available loan amount for CD, LSF or Retail purchase; and/or enquire about personal loan eligibility and/or apply for the same at BFL’s call center, branch or online customer portal;
4. EMI Network Card shall not be used for any unlawful / unauthorized purpose.
5. By providing/entering the EMI Network Card number or by providing the registered mobile number of the cardholder (as per BFL’s records) at Merchant Counter or BFL’s branches or online platform, the issuance date and the name of the cardholder; where the Customer is required to show one photo identification card or enter his/her PIN or Transaction Code. Once the Customer identity is authenticated, the EMI Network Cardholder will receive an SMS providing the commercial terms of the proposed Loan being offered ("Transaction SMS") and containing a specific numeric code (the "Transaction Code").
6. As a token of acceptance to the terms and conditions provided in the Transaction SMS, the customer shall convey his/her acceptance by entering the PIN or Transaction Code or OTP at the counter or BFL branch or OTP at the online platform, as the case may be.
7. BFL would charge convenience/processing fees at its sole discretion on the Loan availed by customer using EMI Network Card, same would be communicated to the Customer through the Transaction SMS and shall be binding on the customer.
8. Notwithstanding anything contained in these terms, this application and payment of Joining Fee by the Customer, use of EMI Network Card shall be subject to below terms
   1. EMI Network Card cannot be used for purchase on eCommerce platforms and of retail (apparel, footwear, small appliances, travel, coaching classes, hotels, eyewear, accessories etc.) products, until successful registration of the NACH mandate for the loan availed by the Customer as per this Application Form, and
   2. BFL may at its sole, absolute discretion and on the basis of its internal policies (including but not limited to risk policies) reject any transaction/authorization initiated through EMI Network Card by the Customer

COMMUNICATIONS RELATED TERMS AND CONDITIONS

By submitting the OTP provided by BFL, I hereby expressly authorise BFL, its group companies, affiliates and/or business associates and their respective representatives to send me communications regarding loans, insurance and their respective products and/or services (collectively "Other Products") through telephone calls/SMSs/emails/post/bots/bitly, etc. including but not limited to promotional communications. I agree and understand that such Other Products if availed, are governed by their own set of terms and conditions, which shall be in addition to and not in derogation to the terms and conditions prescribed by BFL herein. I understand that I can at any time opt not to receive any telecommunication.

APPLICATION TERMS AND CONDITIONS:

By clicking the 'Proceed” or similar button on the screen where these general application terms (“Application Terms”) are hyperlinked, I hereby agree and acknowledge that:

1. I am 18 years of age or older and I understand, read and write in the English language;
2. To apply for a loan facility (“Loan”) from Bajaj Finance Limited (“BFL”) for my personal/business/professional use, as stated in the Loan terms and conditions (“Loan Terms and Conditions”). I understand and confirm that not to use the Loan for any illegal, speculative, nefarious, fraudulent or unlawful purposes;
3. BFL at its sole discretion may reject or approve my application and/or to provide the loan for such amount/limit, as may be deemed fit by BFL;
4. The loan/credit facility to be provided by BFL may be either in the form of term Loan or one of the variants or a combination of such variants from the following options or such other options as may be specified under the respective Loan Terms and Conditions: (a) Advance EMI Loan; or (b) Flexi Term Loan; or (c) Step-Down Structured Monthly Instalment Loan; or (d) Step-up Structured Monthly Instalment Loan; or (e) Flexi Hybrid Loan; or (f) Personal / Unsecured loan;
5. I hereby acknowledge that:
   1. The Loan availed, would be subject to payment of all fees / charges as mentioned in the Loan Terms and Conditions (“Initial Fees and Charges”).
   2. The revision of fee and charges and inclusion of additional fees / Charges as may be introduced by BFL ("Revised Charges"), may be notified by BFL on its website https://www.bajajfinserv.in/all-fees-and-charges and which shall constitute sufficient notice to me;
   3. The Revised Charges as stated above, shall supersede the Initial Fees and Charges and I shall be bound by such Revised Charges;
6. INTEREST RATE METHODOLOGY: Annualized Interest rate applicable for loans in Bajaj Finance Limited varies from ___ 12.5% to ___ 41% basis our internal credit and risk policy and as per an algorithmic multivariate score card which includes following variables (inclusive and not exhaustive):

   Interest rate risk (fixed vs floating loan)	Credit and default risk in the related business segment
   Historical performance of similar homogeneous clients	Profile of the borrower
   Industry segment	Repayment track record of the borrower
   Secured versus unsecured loan	Ticket size of loan
   Credit Bureau Score	Tenure of Loan
   Location delinquency and collection performance	Customer Indebtedness (Other Existing Loans

   The aforesaid variables are indicative and may be revised from time to time by the Lender at its sole discretion .
7. To submit and execute any/all documents, in such form and manner as may be required by BFL in relation to this application and/or for availing any related products pursuant to this application;
8. Continue to keep in my safe custody all of my account related details, including the login id and password/PIN issued by BFL and/or reset by me ("Credentials"), as confidential and not to share the same with any third party. Any use or misuse of the Credentials including the transactions carried out using the Credentials shall be my sole responsibility;
9. That any revision or amendment in the term/fee/charges etc shall be prospective in nature and same need to be communicated to me through Acceptable Means of Communication (as defined under the Loan Terms and Conditions) 30 (Thirty) days in advance of such change;
10. I authorize BFL to use and/or share all information and details as provided by me, the Application Terms and the Loan Terms and Conditions and in relation to my existing loans and/or repayment history to BFL’s group companies/business partners/permitted assigns, affiliate/subsidiaries/agents/service provider/representatives/empanelled merchants (collectively referred to as “Assigns”) and any third party including but not limited to, banks, financial institutions, credit bureaus, telecommunication companies, statutory bodies, empanelled merchants, Central KYC Registry, Reserve Bank of India, GST Portal, CIBIL/CRISIL/any credit rating agency/credit information company, Information Utility, NSDL e-Governance Infrastructure Limited (NSDL)/UTI Infrastructure Technology and Services Limited (UTIITSL) for purposes such as, including but not limited to: customer verification and due diligence, personalization of products or services, credit rating, data enrichment, analysis, marketing or promotion of BFL services or related products or that of its Assigns or for enforcement of your obligations and I shall not hold BFL/its Assigns liable for the use/sharing of the information as stated above. I In furtherance of the same, I authorise BFL/its Assigns to seek/obtain any other information, generate periodic reports relating to me either by itself and/or from any third party;
11. CKYC Consent –
    1. I hereby authorize BFL to verify/ check/ obtain/ download/ upload/ update my KYC details from/with the CKYC Registry: (i) by verifying such details through the CKYC number (i.e. KYC Identifier/ KYC Number- KIN) provided by me or (ii) by obtaining such CKYC number/KIN, through details shared by me for this Application Form.
    2. I hereby consent for receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.
12. Aadhaar Paperless Offline e-KYC Verification Specific Consent (OKYC) –I hereby voluntarily consent and opt for, at my own discretion, to share the XML file containing my Aadhaar information to BFL/ its service providers and CIDR/UIDAI, for the purpose of establishing my identity and verification of the same under UIDAI guidelines or under any applicable law, as may be amended from time to time. Pursuant to the same, I hereby also expressly declare that I have been informed by BFL that:
    1. My XML file containing my Aadhaar details will be used for KYC (Know Your Customer) identification, verification and due diligence, as permitted under applicable law for:
       1. availing financial facilities/ services from BFL immediately and/or in future, or
       2. commencement of any other relationships/arrangement with BFL in future.
    2. During offline verification process, my information such as Name, Photo, Date of Birth, Email ID, Mobile Number, Age, Gender, and address may be verified by BFL basis the Aadhaar details shared by CIDR/UIDAI,
    3. I shall share the Share Code or confirm on the auto populated share code, as the case may be, for successful XML file download and upload as contemplated under applicable law to complete my offline KYC process by verification of Aadhaar details,
    4. Providing the offline Aadhaar identification details is not mandatory and there are alternative options for completing my KYC process such as performing physical KYC by Submission of officially valid documents in person,
    5. I may be required to submit any other officially valid document (OVD)/ deemed to be OVD in place of Aadhaar;
    I further understand and acknowledge that the records and audit trail of the Aadhaar Offline identification and verification process may be used by BFL for evidentiary purposes, including for submission before courts/tribunals/mediators/arbitrators or to any statutory or regulatory authority and I hereby expressly consent to the same;
13. KYC through Video based Customer Identification Process (V-CIP) – If I opt for VCIP Mode, I hereby agree and acknowledge/authorise:
    1. That video based KYC validation (”Video KYC process”) has been provided as alternate method for establishing my identity with BFL
    2. That my KYC will be completed by BFL, through Video KYC process, in accordance with process provided under the prevailing regulation, including Master Direction-Know Your Customer (KYC) Direction, 2016, issued by Reserve Bank of India(“RBI”) and the amendments thereof.
    3. All particulars, information and details to be provided by me in relation to this Video KYC process represent the true, correct and upto date information of myself in all respects.
    4. That Video KYC process shall include but shall not be limited to the following steps concluded by authorised officer of BFL:
       1. Live capturing of photo, along with latitude and longitude of the location where such live photo is being taken;
       2. Capturing picture of PAN/ /such other documents as deemed necessary by BFL. However, if Aadhaar card is permitted to be accepted as a documentary proof under law/regulation, the same will be obtained as contemplated under the prevalent law/regulation
       3. The PAN details will be verified from the database of the NSDL.
       4. Video recording of the interaction (for concluding Video KYC) will be stored by BFL in accordance with applicable law/regulation.
    5. I will be required to submit other officially valid document (OVD) / deemed to be OVD’s or such other documents as may be requested by BFL, as part of this Video KYC process;
    6. I hereby convey my express consent to BFL for verifying any or all the details/documents so provided by me.
    7. To complete the Video KYC process in full within the time stipulated by BFL and in case if I fail to complete the same for any reason whatsoever BFL shall have sole and absolute discretion to reject my loan/product application(s) and/or discontinue the service(s)/product(s) for which such KYC is mandated.
    8. That in case where KYC documents/details submitted by me during Video KYC process does not match with or if there are any discrepancy found therein after validation thereof with the original KYC documents/details updated by me, BFL shall have sole and exclusive right to reject my loan/product application(s) and/or discontinue the service(s)/product(s) for which such KYC is mandated.
    9. That if I could not complete my Video KYC validation process or if during the said process if I dropped midway due to technical, systematic or server errors/issues or other operational issues in that case I may be permitted to complete Video KYC process or I may be required to complete my KYC compliance by undertaking physical KYC validation process, by BFL and I undertake to complete the same and/or submit physical KYC.
    10. That, BFL does not guarantee continuous accessibility of the applications and shall not be held liable or responsible in any manner whatsoever in respect of any loss, cost or damage that may be incurred by me due to any technical, systematic or server errors/issues, or any other issue occurred while undertaking Video KYC process, including for reasons which are beyond reasonable control of the BFL.
14. I hereby confirm that all the information and details including but not limited to financials/bank statements, KYC details provided/to be provided by me pursuant in support of my application or to be shared with any third party, including the Central KYC Registry, are true, correct and up-to-date. I have not withheld any material information that may be required by BFL. I undertake to immediately keep BFL updated of any change in the information provided by me, specifically KYC/CKYC details, Bank details, change of my address/co-ordinates etc. and in case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I may be held liable for it and I will not hold BFL liable for any consequences that may arise owing to any delay/lapse on the my part,.
15. In the event I am found to be an existing customer of BFL, I authorize BFL to use my existing KYC and existing payment mandate viz. NACH/ECS etc., registered with BFL for present application.
16. I have read and understood the terms and conditions contained in the Application Terms and agree to be bound by the same, and I further agree to be bound by such terms and conditions as may be communicated from time to time by BFL and pertaining to the Loan;
17. I hereby expressly consent for taking my photo or video to evidence the conduct of loan transaction by me and I further hereby consent that such photo and/or video for storage and preservation of the same for a period as applicable under the law;
18. That this Application Terms, its contents and the information/details provided by me from time to time as pursuant to my application for Loan facility, may be submitted to:
    1. subsidiaries and affiliates of BFL, any service provider/third party/legal entity with whom BFL may have business relationship and/or in reference to rendering services in connection with the product(s)/services availed by me.
    2. to any Regulator, Court, Law enforcement agency, Quasi-Judicial authority etc. on a need basis;
19. I hereby expressly authorize BFL and its Assigns (group companies/business partners/ affiliate/ subsidiaries/ agents/ representatives/ empanelled merchants, service provider/permitted assigns and any such third party) to send me communications, including but not limited to promotional communications, regarding loans, insurance and their respective products and/or services through telephone calls/SMSs/emails/post/bots/bitly/ through any other electronic platform etc. I agree and understand that products/services belonging to BFL’s Assigns, are governed by their own set of terms and conditions, which shall be in addition to and not in derogation to the terms and conditions prescribed by BFL herein. I understand that I can at any time opt not to receive such communication;
20. CIBIL Specific Consent – In connection with submission of the application for receiving my credit information offered by TransUnion CIBIL Limited (TU CIBIL) (“Product”) through Bajaj Finance Limited (referred to as the “Agent”), I hereby acknowledge and agree to the following:
    1. The Agent is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Product from TU CIBIL on my behalf and use it in the manner consistent with the end-use policy of my Agent (“Agent’s End Use Policy”) or the understanding between me and my Agent (“Terms of Understanding”), as the case may be, and the Agent has granted its consent for being appointed for the aforesaid purpose.
    2. I grant my unconditional consent to the Agent to receive the Product from TU CIBIL on my behalf and use it in the manner consistent with the Agent’s End Use Policy or the Terms of Understanding, as the case may be, and the Agent has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agent’s End Use Policy and understood the same; or (b) the Terms of Understanding in relation to the use of the Product has been agreed between me and my Agent.
    3. I hereby expressly grant unconditional consent to, and direct, TU CIBIL to deliver the Product to the Agent on my behalf.
    4. I shall not hold TU CIBIL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of the Product to the Agent; (b) any use, modification or disclosure by the Agent of the contents, in whole or in part, of the Product, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of the Product to the Agent; (d) for any use made by the Agent which is contrary to the Agent’s End Use Policy or Terms of Understanding or otherwise.
    5. I acknowledge and accept that: (a) TU CIBIL has not made any promises or representations to me in order to induce me to provide the Product Request or seek any consent or authorization in this regard; and (b) the implementation of the Agent’s End Use Policy or Terms of Understanding is solely the responsibility of the Agent.
    6. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the “Proceed” or similar button or entering the one-time password received on the mobile number provided by me, I am providing "written instructions" to Agent authorizing Agent to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]. I further authorize Agent to obtain such information solely to confirm my identity and deliver Product to me and for use as per the Terms of Understanding. Further in all such cases, by clicking on “Proceed” button, I confirm my authorization for TU CIBIL to obtain my Consumer Credit Information.
    7. I understand that in order to deliver the Product to me, I hereby authorize Agent, to obtain my Consumer Credit Information from TU CIBIL.
    8. By clicking on “Proceed” button, I understand that I am providing express written instructions for Agent to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Agent account. I further authorize Agent to retain a copy of my information for use in accordance with Agent’s Terms of Use and Privacy Policy.
    9. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TU CIBIL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
    10. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TU CIBIL, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of the Product Request and / or my decision to provide TU CIBIL with the authority to deliver the Product to the Agent. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TU CIBIL by third parties arising from and in connection with this letter.