PRIVACY AND COOKIE POLICY

Purpose of Privacy Policy

Through this privacy statement we intend to provide a synopsis of our privacy practices regarding Personal Information that we collect and process about you through various sources. Although the primary focus of this statement is on the data collected and processed through our websites, that link to this Privacy Statement. our adherence to the below mentioned principles remain across the organization towards personal data processing. Through this Consent and agreement in the policy, We protect and educate borrowers to use the offered various products, in partnership with leading banks & NBFCs (“Partners”). Borrower can avail of services like their current account, Loan account, and salary by completing the entire application process on the website and App itself. Further, the User can withdraw from the approved credit limit and repay the EMIs of the loan using the App itself.

Privacy Notice

https://www.arthum.co.in knows that you care how information about you is used and shared and we appreciate your trust in us to do that carefully and sensibly. This notice describes the privacy policy of https://www.arthum.co.in. By visiting https://www.arthum.co.in, you are accepting and consenting to the practices described in this Privacy Notice.

Controllers of Personal Information

“Personal Information” refers to any information that identifies or can be used to identify, contact or locate the person, to whom such information pertains including, but not limited to, name, address, phone number, email address, identification number or documents and any other information disclosed by you in relation to the Services.
Borrower agree and provide consent of the borrower shall be provided before sharing personal information with any third party, except for cases where such sharing is required as per statutory & regulatory requirements, law enforcement or any other regulatory agencies. Further borrowers have the right to restrict his /her personal information sharing.
The scope of this Statement covers the categories of personal data collected, how we use or process such data, who are the recipients of such data, and your associated rights under applicable laws including how to exercise the same.
ARTHUM hereby securitize user for User’s personal data or financial information (including such data as may be designated as ‘personally identifiable data’ under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011). Further ARTHUM adhere and strictly follows the Recommendations of the Working group on Digital Lending – Implementation, dated August 10, 2022 and RBI’s Guidelines on digital lending dated September 02,2022.

EXPRESS WRITTEN CONSENT

The usage of the Website/App may also require you to provide consent for persona Inforamtion (including but not limited to user IDs and passwords), as may be necessary to process your application through the Website/App.
Any personal Information which requires to be keyed in/uploaded is required for enabling hassle-free, faster and paperless (to the extent possible) processing of applications for products so opted/ availed by you.
You, whilst providing your details/documents including but not limited to copy of the masked Aadhaar/offline Aadhaar xml (for the purpose of offline verification) or e-Aadhaar copy in case of online verification, PAN Card, Driving License, Voter Identity over the Website/App ["Personal Identifiable Information (PII)], expressly consent to ARTHUM (including its service provider/ business partner) to authenticate/verify such personal Information submitted by you, through the creation of images of such documents including retaining such images for business purposes.
If you are no longer interested in sharing your personal information, please e-mail your request to info@arthum.co.in.
ARTHUM reserves the right (and you expressly authorise ARTHUM) to share or disclose your personal information & determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law in force for the time being.

What Personal Information About Customers Does www.arthum.co.in Gather?

The information we learn from customers helps us personalise and continually improve your Loan facility with us. We use your information to check your authentication, amount of money which can be sanctioned, process payments, communicate with you about our current and loan account details, update our records and generally maintain your accounts with us, display content such as account details, amount, transactions etc. We also use this information to improve our platform, prevent or detect fraud or abuses of our website and enable third parties to carry out technical, logistical or other functions on our behalf.

Information You Give Us

We receive and store any information you enter on our website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our features. We use the information that you provide for such purposes as responding to your requests

SERVICE PROVIDERS

• We may employ third-party service providers and individuals due to the following reasons:
  To facilitate our Service;
  To provide the Service on our behalf;
  To perform Service-related services; or
  To assist us in analyzing how our Service is used.
• 4.You acknowledge that the third-party service provider/agent/agencies will have access to your personal information on a need basis to assist us in rendering Service, and the service providers are restricted from using the same for any other reason. The third-party service providers are obligated not to disclose or use the information for any other purpose..
• You understand and acknowledge that upon using the App, you authorize us to access third party sites designated by you, on your behalf, to retrieve such information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant us a limited powers and hereby authorize us with the full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with Services and facilities available on the App, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ACCESS AND RETRIEVE INFORMATION FROM THIRD PARTY SITES, WE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that such third parties shall be entitled to rely on the foregoing authorization, agency granted by you.

Automatic Information

We receive and store your bank details and fetch data from the documents you have uploaded while submitting the application.

E-mail Communications

Each time you login, we verify if its you only. An OTP is sent to you on your registered email id.

Information from Other Sources

We might receive information about you from other sources like your friends and family and add it to our account information.

Does Avyayam Infotech Pvt Ltd share the Information it receives?

Information about our customers is an important part of our business and we are not in the business of selling it to others

How Secure Is Information About Me?

• We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input in addition to maintaining security of your information as per the International Standard IS/ISO/IEC 27001 on “Information Technology Security Techniques Information Security Management System-Requirements”.
• We reveal only the last four digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.
• We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personal information (including sensitive personal information). Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.
• It is important for you to protect against unauthorised access to your password and to your computer. Be sure to sign off when you finish using a shared computer. Click here for more information on how to sign off.

What Choices Do I Have?

• You can update your salary files and invoices
• Make payments

Notices and Revisions

If you have any concern about privacy or grievances, please contact us with a thorough description and we will try to resolve the issue for you.

Information You Can Access

• Your current and loan account details
• Adding your principal parties
• Making transactions

Grievance Officer

Please find below the details of the grievance officer:
EMAIL :- legal@arthum.co.in
Phone:- +91-9350810974
Add:- Suite-B 25, BSI Business Park, H-160, Sector 63 Noida

TERMS & CONDITIONS

ELIGIBILITY:

Use of the Site is available only to persons who can form legally binding contracts under applicable law. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including un-discharged insolvents etc. are not eligible to use the Site. If you are a minor i.e. under the age of 18 years, you may use this Site only under the supervision of a parent or legal guardian who agrees to be bound by these Terms of Use. If your age is below that of 18 years your parents or legal guardians can transact on behalf of you if they are registered users. www.arthum.co.in of Avyayam Infotech Pvt Ltd reserves the right to terminate your account and refuse to provide you with access to the Site if www.arthum.co.in of discovers that you are under the age of 18 years. The Site is not available to persons whose account has been suspended or terminated by www.arthum.co.in of Avyayam Infotech Pvt Ltd for any reason whatsoever. If you are registering as a business entity, you represent that you have the authority to bind the entity to this User Agreement.

CREDIT CARD DETAILS

You agree, understand and confirm that the credit card details provided by you for availing of services on www.arthum.co.in of Avyayam Infotech Pvt Ltd will be correct and accurate and you shall not use the credit card which is not lawfully owned by you, i.e. in a credit card transaction, you must use your own credit card. You further agree and undertake to provide the correct and valid credit card details when making payment on www.arthum.co.in.Your credit card information never reaches www.arthum.co.in of, we just get pass, hold or fail message from our payment gateways. The said information will not be utilized and shared by our payment gateways or www.arthum.co.in with any of the third parties unless required for fraud verifications or by law, regulation or court order.www.arthum.co.in of Avyayam Infotech Pvt Ltd Ltd will not be liable for any credit card fraud. The liability for use of a card fraudulently will be on you and the onus to 'prove otherwise' shall be exclusively on you.

ACCOUNT AND REGISTRATION OBLIGATIONS

"Your Information" is defined as any information you provide to us in the registration, buying or listing process, in the feedback area or through any email feature. We will protect Your Information in accordance with our Privacy Policy. If you use the Site, you are responsible for maintaining the confidentiality of Your Account and Password and you agree to accept responsibility for all activities that occur under Your Account or Password. www.arthum.co. in of Avyayam Infotech Pvt Ltd shall not be liable to any person for any loss or damage which may arise as a result of any failure by you to protect your password or account. If your password is compromised you must immediately change your password, if we have reason to believe that there is likely to be a breach of security or misuse of the www.arthum.co.in of Avyayam Infotech Pvt Ltd Site, we may require you to change your password or we may suspend your account without any liability to www.arthum.co.in of Avyayam Infotech Pvt Ltd .

ELECTRONIC COMMUNICATIONS

When you visit the Site or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

YOU AGREE AND CONFIRM:

• That you will use the services provided by www.arthum.co.in of Avyayam Infotech Pvt Ltd , its affiliates and contracted companies, for lawful purposes only and comply with all applicable laws and regulations while using the Site and transacting on the Site.
• You will provide authentic and true information in all instances where such information is requested of you.www.arthum.co.in of Avyayam Infotech Pvt Ltd reserves the right to confirm and validate the information and other details provided by you at any point of time. If upon confirmation your details are found not to be true (wholly or partly), www.arthum.co.in of Avyayam Infotech Pvt Ltd has the right in its sole discretion to reject the account and restrict you from using the Services of www.arthum.co.in of Avyayam Infotech Pvt Ltd and / or other affiliated websites without prior intimation whatsoever.
• That you are accessing the services available on this Site and transacting at your sole risk and are using your best and prudent judgment before entering into any transaction through this Site.
• That the address at which delivery of the product ordered by you is to be made will be correct and accurate in all respects.
• That before placing an order you will check the product description carefully. By placing an order for a product you agree to be bound by the conditions of sale included in the item's description.
• You shall at all times ensure full compliance with the applicable provisions of the Information Technology Act, 2000 and rules thereunder as applicable and as amended from time to time and also all applicable Domestic laws, rules and regulations (including the provisions of any applicable Exchange Control Laws or Regulations in Force) and International Laws, Foreign Exchange Laws, Statutes, Ordinances and Regulations (including, but not limited to Sales Tax/VAT, Income Tax, Octroi, Service Tax, Central Excise, Custom Duty, Local Levies) regarding Your use of Our service and Your listing, purchase, solicitation of offers to purchase, and sale of products or services. You shall not engage in any transaction in an item or service, which is prohibited by the provisions of any applicable law including exchange control laws or regulations for the time being in force.
• You have specifically authorizedwww.arthum.co.in of Avyayam Infotech Pvt Ltd or its service providers to collect, process, facilitate and remit payments and / or the Transaction Price electronically or through Cash on Delivery to and from other Users in respect of transactions through Payment Facility. You understand, accept and agree that the payment facility provided by www.arthum.co.in of Avyayam Infotech Pvt Ltd is neither a banking nor financial service but is merely a facilitator providing an electronic, automated online electronic payment, receiving payment through Cash On Delivery, collection and remittance facility for the Transactions on the www.arthum.co.in of Avyayam Infotech Pvt Ltd Website using the existing authorized banking infrastructure and Credit Card payment gateway networks. Further, by providing Payment Facility,www.arthum.co.in of Avyayam Infotech Pvt Ltd is neither acting as trustees nor acting in a fiduciary capacity with respect to the Transaction or the Transaction Price.
• Except for Cash On Delivery transaction, refund, if any, shall be made at the same Issuing Bank from where Transaction Price was received.

YOU MAY NOT USE THE SITE FOR ANY OF THE FOLLOWING PURPOSES:

• Disseminating any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material.
• Transmitting material that encourages conduct that constitutes a criminal offense, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice.
• Gaining unauthorized access to other computer systems.
• Interfering with any other person's use or enjoyment of the Site.
• Breaching any applicable laws;
• Interfering or disrupting networks or web sites connected to the Site.
• Making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner.

Without limiting other remedies, we may, in our sole discretion, limit, suspend, or terminate our services and user accounts, prohibit access to our sites, services, applications, and tools, and their content, delay or remove hosted content, and take technical and legal steps to keep users from using our sites, services, applications, or tools, if we think that they are creating problems or possible legal liabilities, infringing the intellectual property rights of third parties, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts or accounts that have been inactive for a period of months, or to modify or discontinue www.Example Ltd.com of Example Ltd sites, services.

MODIFICATION OF TERMS & CONDITIONS OF SERVICE

www.arthum.co.in of Avyayam Infotech Pvt Ltd may at any time modify the Terms & Conditions of Use of the site without any prior notification to you. You can access the latest version of the User Agreement at any given time on www.arthum.co.in of Avyayam Infotech Pvt Ltd . In the event the modified Terms & Conditions is not acceptable to you, you should discontinue using the service. However, if you continue to use the service you shall be deemed to have agreed to accept and abide by the modified Terms & Conditions of Use of this site.

GOVERNING LAW AND JURISDICTION

This User Agreement shall be construed in accord with the applicable laws of India. The Courts at Delhi shall have exclusive jurisdiction in any proceedings arising out of this agreement. Any dispute or difference either in interpretation or otherwise, of any terms of this User Agreement between the parties hereto, the same shall be referred to an independent arbitrator who will be appointed by www.arthum.co.in of Avyayam Infotech Pvt Ltd and his decision shall be final and binding on the parties hereto. The above arbitration shall be in accordance with the Arbitration and Conciliation Act, 1996 as amended time to time. The arbitration shall be held in Delhi, India. The High Court of judicature at Delhi alone shall have the jurisdiction and the Laws of India shall apply.

OBJECTIONABLE MATERIAL

You understand that by using this Site or any services provided on the Site, you may encounter Content that may be deemed by some to be offensive, indecent, or objectionable, which Content may or may not be identified as such. You agree to use the Site and any service at your sole risk and that to the fullest extent permitted under applicable law, www.arthum.co.in of Avyayam Infotech Pvt Ltd and its affiliates shall have no liability to you for Content that may be deemed offensive, indecent, or objectionable to you.

INDEMNITY

You agree to defend, indemnify and hold harmless www.arthum.co.in of Avyayam Infotech Pvt Ltd, its employees, directors, officers, agents and their successors and assigns from and against any and all claims, liabilities, damages, losses, costs and expenses, including attorney's fees, caused by or arising out of claims based upon your actions or inactions, which may result in any loss or liability to www.arthum.co.in of Avyayam Infotech Pvt Ltd or any third party including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfillment of any of your obligations under this User Agreement or arising out of the your violation of any applicable laws, regulations including but not limited to Intellectual Property Rights, payment of statutory dues and taxes, claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other subscribers and infringement of intellectual property or other rights. This clause shall survive the expiry or termination of this User Agreement.

SITE SECURITY

You are prohibited from violating or attempting to violate the security of the Site, including, without limitation, (a) accessing data not intended for you or logging onto a server or an account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (c) attempting to interfere with service to any other user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, "flooding," "spamming," "mailbombing" or "crashing;" (d) sending unsolicited email, including promotions and/or advertising of products or services; or (e) forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting. Violations of system or network security may result in civil or criminal liability. www.arthum.co.in of Avyayam Infotech Pvt Ltd will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Site other than the search engine and search agents available from www.arthum.co.in of Avyayam Infotech Pvt Ltd on this Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).

ENTIRE AGREEMENT

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed to be superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between you and www.arthum.co.in of Avyayam Infotech Pvt Ltd with respect to the www.arthum.co.in of Avyayam Infotech Pvt Ltd sites/services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and www.arthum.co.in of Avyayam Infotech Pvt Ltd with respect to the www.Example Ltd.com of Example Ltd sites/services. www.arthum.co.in of Avyayam Infotech Pvt Ltd's failure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches.

For any further clarification of out Terms and Conditions, please write to us at operations@arthum.co.in

TERMS AND CONDITIONS
I. PURPOSE
We offer various products, in partnership with leading banks & NBFCs (“Partners”). User can avail of services like their current account, Loan account, and salary by completing the entire application process on the website and App itself. Further, the User can withdraw from the approved credit limit and repay the EMIs of the loan using the App itself.
II. GENERAL
The website arthum.co.in and ARTHUM mobile application (jointly “App”) are owned and operated by Avyayam Infotech Pvt Ltd a company incorporated under the provisions of the Companies Act, 2013, and having its registered office at 1438-A-3-New H No-1/4954-A Extn Gali Balbir Nagar, Shahdara Delhi East Delhi DL 110032 IN. To access or use the App on any compatible device and avail of the Services of Avyayam Infotech Pvt Ltd (ARTHUM) you are required to accept these Terms and Conditions (“T&Cs”). You understand and accept that ARTHUM maintains the website (defined herein below) to provide visitors with information about ARTHUM, its services, and products. You also accept that you are required to read the below-mentioned terms, and any use of the Site constitutes your acceptance to be bound by such terms, and the changes made to these clauses from time to time, relating to your usage of the Website as communicated and made available on ARTHUM’s website. Your continued use of the App and/or availing of the Services shall be constituted as your acceptance to the T&Cs, as revised from time to time. If you do not agree with these T&Cs, please do not access and use the App or avail such Services. For the purposes of these T&Cs, “we”, “our” and “us” shall mean ARTHUM, and/or third-party service providers engaged by ARTHUM to render certain Services on the App and ‘you’ and ‘your’ shall mean a User who meets the eligibility criteria set out below. If you are ARTHUM’s registered client, It is in addition to, and does not nullify, any other agreement, including the Master Agreement(s) and any annexure and supplements thereto between you and ARTHUM governing the conduct of your relationship with ARTHUM. The terms and conditions contained herein are in addition to and are to be read in conjunction with the terms and conditions as agreed under the Master Agreement(s) and any annexure and supplements thereto. A Guest/ Registered Client will be deemed to accept the terms and conditions of this Agreement by using the Site.
• Guests: Users in this category will be provided with limited samples of Services offered on the Site but need not register to obtain access to the Site. For purposes of this policy, access by a Guest to the Site is at the sole discretion of ARTHUM, from time to time, which may or may not permit a Guest to access the Site.
• Registered Clients: This category of user will be provided with electronic access to the various Services provided by ARTHUM on the Site. The clients registered with ARTHUM (“Registered Client”) will have no time limitation with respect to the use of these Services as long as they remain a client of ATL. Registration by submitting a physical application form and other documentary proof is required for this user category.

III. DISCLAIMER
The website may be under constant upgrades, and some functions and features may not be fully operational. We disclaim any liability arising due to the vagaries that can occur in the electronic distribution of information. You acknowledge that third party services are available on the website. We may have formed partnerships or alliances with some of these third parties from time to time in order to facilitate the provision of certain services to you. However, you acknowledge and agree that at no time are we making any representation or warranty regardi ng any third party's services nor will we be liable to you or any third party for any consequences or claims arising from or in connection with such third party including, and not limited to, any liability or responsibility for, death, injury or impairment experienced by you or any third party. You hereby disclaim and waive any rights and claims you may have against us with respect to third party’s services. We do not, in any way, endorse any information or service offered or described herein. In no event shall we be liable to you or any third party for any decision made or action taken in reliance on such information. This website and App is independent of any platform on which it is located. The App is not associated, affiliated, sponsored, endorsed or in any way linked to any platform operator, including, without limitation, Apple, Google, Android or (each being an “Operator”). Our download, installation, access to or use of the App is also bound by the terms and conditions of the Operator. You and ARTHUM acknowledge that these T&Cs are concluded only between you and ARTHUM, and not with an Operator, and ARTHUM, not those Operators, are solely responsible for the App and the content thereof to the extent specified in these T&Cs. ARTHUM is solely responsible for providing any maintenance and support Services with respect to the App as required under applicable law. You and ARTHUM acknowledge that an Operator has no obligation whatsoever to furnish any maintenance and support Services with respect to the App. You and ARTHUM acknowledge that ARTHUM, not the relevant Operator, is responsible for addressing any User claims or any third party claim relating to the App or your possession and/or use of the App, including, but not limited to: (i) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (ii) claims arising under consumer protection or similar legislation. You and ARTHUM agree that, in the event of any third party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, ARTHUM and not the relevant Operator, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim; provided such infringement was caused by ARTHUM. You and ARTHUM agree that the relevant Operator, and the Operator’s subsidiaries, are third-party beneficiaries of these T&Cs, and that, upon your acceptance of these T&Cs, that Operator will have the right (and will be deemed to have accepted the right) to enforce these T&Cs against you as a third party beneficiary thereof. ARTHUM reserves the right to update the App, in order to, inter alia, increase efficiency, optimize user interface, and add new facilities from time to time. Update packages will be sent to you on your Device for download and installation. You hereby agree to install the updates from time to time and acknowledge that ARTHUM will only be able to provide Account support for the App if you ensure installation of all updates upon receiving notifications thereof when using the website App. The terms and conditions contained herein may be amended, altered, supplemented, revoked, rescinded or replaced by ARTHUM, whether in full or in part, from time to time as may be notified on the Site or in such other manner as ARTHUM may deem fit. For this reason, we encourage you and you agree to give your consent to review these T&Cs each time you access and use the App and/or avail our Services. If we are held liable to you in a court of competent jurisdiction for any reason, in no event will we be liable for any damages in excess of INR 1,000/-.

IV. SERVICES
ARTHUM shall endeavor to find a Partner best suited for your requirements. You understand that you have agreed to avail credit/loan facility with the Partner (“Credit Facility Agreement” & Loan Agreement etc), in order to enable you to purchase various products/services utilizing the funds made available to you by the Partner. ARTHUM shall facilitate the execution of the Credit Facility Agreement. While ARTHUM shall make reasonable efforts to ensure that you find a suitable Partner, ARTHUM does not guarantee that such Partners shall meet your requirements or expectations. Partner will determine and approve the credit limit sanctioned to you, details of which shall be available on your Account. Subject to this credit limit, the Partner may, at its sole discretion, allow disbursements, by confirming the disbursal amount and other terms and conditions of the disbursal (as determined by the Partner) as set out on the WEBSITE , App and in the Credit Facility Agreement or other agreement signed on behalf of the partner. ARTHUM shall provide Loan account, Current account and salary account. ARTHUM is the technology and operating partner to its Partner(s). As a service provider, ARTHUM shall undertake communication, transaction and processing on behalf of its Partners. At no point, ARTHUM is representing itself as a lending company. All terms pertaining to your credit facility with the Partner is set out in the Partners Agreements and documentations. ARTHUM reserves the right, without any prior notice to: (i) add new services; (ii) modify existing Services; and/or (iii) remove portions of the Services, as and when it deems fit and at its sole discretion.

V.ELIGIBILITY
For accessing the App and availing its Services, you, as a User, further represent that you are an Indian national having tax residency in India. You also represent and assure that you are not a tax resident of any other country. We maintain the right to render Services to only those users who are – a) competent to enter into legally binding contracts, b) have made the representations as provided above, c) and also qualify under the internal policy(ies) for the same determined solely by us from time to time. We shall have the sole right to change, modify, add or remove, in whole or in part, its internal policy(ies), in relation to the provision of the Services at any time without any prior written notice or intimation to the Users. Further, we shall have the right to not entertain any requests in relation to the same, from the Users towards such Services without assigning any reason. We shall have the right to not process a transaction through the App, if ARTHUM in its sole discretion determines that such transaction undertaken by a User is not authorized by such User or that the transaction is not genuine or suspicious. If you represent a company, partnership firm or sole proprietorship, you shall be eligible to access the Website and APP and avail of the features and facilities on its behalf only if you have been duly authorized by way of necessary corporate action, as may be prescribed statutorily and/or under the charter documents of such entity and further, if you have fulfilled such additional eligibility requirements as ARTHUM may require in connection therewith.

VI. REPRESENTATIONS, WARRANTIES AND UNDERTAKING
You represent and warrant that you are age of majority competent and eligible to enter into a legally binding agreement and be bound by these T&Cs. You shall not access and use the App or avail our Services if you are not competent to contract under the applicable laws, rules and regulations. The information and data contained in the App do not constitute an offer to buy or sell or a solicitation of an offer to buy or sell any Services in any jurisdiction other than India. All information provided by you to ARTHUM is accurate, correct and true. You hereby further represent and warrant that, in conjunction with your account(s) that you maintain with ARTHUM at any time, that you will utilize said account(s) solely for lawful purposes and will remain aware of, and fully comply with, all applicable laws, rules and/or regulations governing the use of said account(s) including, but not limited to, laws, rules and/or regulations relating to information technology, taxation, and reporting or filing requirements. You agree not to (i) create multiple Accounts or fake Accounts; (ii) create Accounts fraudulently. You acknowledge and agree that ARTHUM is entitled to remove any/all the information on the App that is in contravention of these T&Cs. You understand that ARTHUM does not provide any warranties for its Services and shall not be made liable for any claims made by you or any third party. In this regard, you undertake to accept and be solely liable for the Services availed by you from ARTHUM. You agree to indemnify and hold harmless ARTHUM, its affiliates and their respective directors, officers, employees, agents and representatives against all damages suffered or losses incurred by ARTHUM arising due to any act, omission or claim initiated by you or any third party in relation to the Services availed by you or in case of breach of these T&Cs or any warranty by you. The App and the functions and features therein are provided on an “as is” and on an “as available” basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. ARTHUM shall not be liable for the loss and/or damage of the confidential information or data of the User arising as a result of an event or a series of related events, that is beyond the control of ARTHUM, including failures of or problems with the internet or part of the internet, attempted hacker attacks, hacker attacks, denial of service attacks and/or viruses or other malicious software attacks or infections. You are advised to keep your username, password and passcode safe. We shall not be liable in the event your Account is hacked due to errors or omissions at your end. Any material downloaded or otherwise obtained through the App is done at your own discretion and risk and you are solely responsible for any damage to your Device or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from us through or from the Service will create any warranty not expressly stated in these T&Cs. We shall not be liable for any losses and/or damages which may arise as a result of a third-party entity’s usage of the User’s personal data or financial information (including such data as may be designated as ‘personally identifiable data’ under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011). ARTHUM shall not be liable for any failure or delay in performing its obligations under this facility if such failure or delay (i) is directly caused by the Partner(s) acts or omission; (ii) results from actions undertaken by ARTHUM in a reasonable good faith to comply with applicable law or to prevent fraud; or (iii) is caused by events beyond ARTHUM’s control, including but not limited to vandalism, hacking, theft, phone service disruptions, internet disruptions, loss of data, extreme or severe weather conditions or any other causes in the nature of force majeure event. You understand and agree that there might be delays while the Services are being rendered to you, including but not limited to, at the time of making a purchase or making payment to the merchant. Please note that any transaction may be cancelled till the time it is confirmed by ARTHUM.

VII. Repayments
You agree to allow ARTHUM (or its third party service providers), on behalf of the Partner, to send you payment reminders from time-to- time; and to engage in collection efforts to recover amounts that you failed to pay to ARTHUM the Partners, pursuant to these (i) T&Cs; and/or (ii) terms and conditions of the Partner. These collection efforts may involve, inter alia, contacting either you directly or any other contact details provided by you at the time of creation of the Account, submitting your information to a collection agency, or taking legal action.

VIII. INFORMATION- COLLECTION
You authorize ARTHUM, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with these T&Cs and with our Privacy Policy. Information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address or financial instruments, or verifying your information against third-party databases or through other sources. You may also be required to provide documents to help us validate your identity. In the event ARTHUM is unable to obtain or verify your information, ARTHUM reserves the right to close, suspend, or limit access to your Account and/or the Services rendered. By availing the Services, you also consent to enable ARTHUM to validate your identity and to collect information about you in accordance with these T&Cs and our Privacy Policy. You agree to provide only true, accurate, current and complete information about yourself, and you agree not to misrepresent your identity or your account information in the course of availing Services. You further agree to keep your Account information up to date and accurate. ARTHUM shall not be responsible to verify the accuracy of the information/ details provided by you. In the event of any changes in the details or information provided by you initially, you must inform ARTHUM of such changes within a reasonable period of time. If any incorrect bank account number is provided by you, any amount may be deposited /credited to the wrong bank account and there is no guarantee of recovery of the same. ARTHUM will not be responsible for any loss or damage that may be sustained by you on account of such error on your part. The App is made available to you for your own personal and non-commercial use alone. You shall not allow third parties to: (i) make and/or distribute copies of the App or any deliverable generated by the App; (ii) attempt to copy, reproduce, alter, modify and/or reverse engineer the App; and/or (iii) create derivative works of the App. You shall be liable for losses incurred by ARTHUM or any other party due to a third party’s use of the Account. You shall not use any other person’s account at any time, without the permission of the account holder and ARTHUM. You hereby acknowledge and agree that ARTHUM shall not be liable for failure of any transaction undertaken for any reason whatsoever including but not limited to deficiency of service and/or products delivered as well as technical errors. You further acknowledge that ARTHUM shall not be responsible in any manner whatsoever, for any loss incurred by you for a failed/ incomplete transaction undertaken by you using our Services. You hereby agree and express your voluntary, unequivocal and informed consent to your personal data or financial information (including such data as may be designated as ‘personally identifiable data’ under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 or other applicable law), being processed, disclosed and/or transferred by ARTHUM to third-party entities.
IX. INTELLECTUAL PROPERTY
All of the APP and website content (all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, tradenames) including, without limitation constitute our and our licensors’ intellectual property. Copyright laws in all applicable jurisdictions protect the website,, App and the App Content. You may access the website and APP, avail of the features and facilities and utilize the Content in connection with the subject matter thereof. You are not entitled to duplicate, distribute, create derivative works of, display, or commercially exploit the App Content, features or facilities, directly or indirectly, without our prior written permission. If you would like to request permission to commercially exploit any particular website & App Content, you could contact us in the manner provided for herein. ARTHUM and its licensors, if any, are the sole owners of the underlying software and source code associated with the App and all the trademarks, copyright and any other intellectual property rights of any nature in the App. You shall not copy, reproduce, distribute, or create derivative works of our content that is available on the website App. Also, you shall not reverse engineer or reverse compile our technology that is available on the App, including, without limitation, as may be associated with the website & App from time to time.

X. USER CODES, USE OF WEBSITE AND APP
As part of the registration process, the Registered Client will be entitled to a user identification comprising of any alphabetical/numerical combinations or an alphabetical and numerical combination ("User Identification") and to a password for the purpose of authentication ("Password") to access the Site, System and the Services, as the case may be. The Password may include second-level and / or transaction-level passwords as well and would be required to meet such requirements as may be stipulated by the Reserve Bank of India ("RBI") and/or any other authority and ARTHUM, from time to time. The System itself generates the initial Password and the same will be intimated to the Registered Client. ARTHUM is not aware of such initial Password. The Registered User agrees and undertakes to immediately change his initial Password upon receipt thereof. The Registered Client is aware that initial and subsequent Passwords are not known or available to ARTHUM and the same are solely in the knowledge of the User. (The User Identification and Password, are hereinafter collectively referred to as "User Codes"). You have the option to set a security passcode once you are approved for a credit limit. You are responsible for maintaining the confidentiality of the passcode, passwords, OTP and your account (“Account”) and you are also fully responsible for all activities that occur under your passcode or Account. You agree to: (a) immediately notify us of any unauthorized use of your passcode or Account or any other breach of security; and (b) ensure that you exit from your Account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to comply with this Clause 10. You hereby acknowledge that the deletion of the App from the Device does not constitute termination of your Account and agree to undertake the process detailed herein in order to complete de-registration. If and when you are desirous of having your name and other details removed from the records of ARTHUM, upon receiving your written request to that effect, ARTHUM shall subject to requirements under applicable law remove and/delete all such information. Through the App, ARTHUM assists Users to gain access to certain credit schemes from its financial & other partners. ARTHUM hereby grants to you a restricted, non-transferable, license to download and use the website and App on a Device, which you own or control, to avail of the functions and features in accordance with these T&Cs. Your usage of the App will require you to provide to us certain personal and financial information, which shall be collected and maintained as per the terms laid down in our privacy policy available at our website. We shall not mediate or attempt to get involved in and resolve any disputes or disagreements inter se between you and third-party/ies. We will use your name as per the records in NSDL as the name in the application. ARTHUM may update the App from time to time in order to, inter alia, increase its efficiency, optimize user interface and add new features and/or facilities. We allow our affiliates or third parties to collect certain information when you visit our App through the use of cookies or third-party web beacon. You are required to seek ARTHUM’s permission in case you are writing something associated with the website and App on social media or otherwise. In the event you post any content on your own site or any other third-party sites about us without our prior written permission, we may take strict actions against you. You may choose to, or we may invite you to submit comments or ideas about the Services rendered under these T&Cs, including without limitation about how to improve the Services. By submitting any such ideas, you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place ARTHUM or any of its affiliates or subsidiaries, under any fiduciary or other obligation, and that ARTHUM will be free to use the idea without any additional compensation to you, and/or to disclose the idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, ARTHUM does not waive any rights to use similar or related ideas previously known to, or developed by employees, or obtained from sources other than you. IN THE EVENT YOU HAVE ANY COMPLAINT AGAINST THE CONTENTS (OR ANY PORTION THEREOF), INCLUDING THAT THE CONTENTS THEREIN ARE INCORRECT OR BREACH THE RIGHTS OF A THIRD PARTY, ARTHUM SHALL TAKE ALL COMMERCIALLY REASONABLE MEASURES TO ADDRESS THE SAME. HOWEVER, ARTHUM’S SOLE OBLIGATION IN THIS REGARD SHALL BE TO REMOVE SUCH CONTENT FROM THE APP; AND THE USER SHALL HAVE NO FURTHER CAUSE OF ACTION AGAINST ARTHUM.
XI. YOUR RIGHTS & PREFERENCES AS A DATA SUBJECT IN INDIA
These T&Cs are intended for Users within the territory of India and govern your rights as per applicable law within the territory of India. However, in the event you fall under a jurisdiction outside the purview of Indian law, we will not be liable for any claim, action and/or right initiated/exercised by you as per the extant laws of that jurisdiction. Therefore, we request you to kindly use the website and App accordingly. You shall not assign or transfer any rights, obligations, or privileges that you have under these T&Cs, without the prior written consent of ARTHUM. ARTHUM reserves the right to assign its rights, obligations or privileges to third parties and you hereby agree to such assignment. Any assignment or transfer in violation of this clause will be deemed null and void.
XII. CUSTOMER CARE
Basic support for the Services shall be provided by ARTHUM. ARTHUM shall also use commercially reasonable efforts to make the Services available 24 hours a day, 7 days a week, except for (i) planned downtime (of which ARTHUM shall give at least 4 hours’ notice); or (ii) any unavailability due to circumstances beyond ARTHUM’s reasonable control. Agreeing and accepting these T&Cs implies your express and explicit consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf at any contact number, or physical or electronic address provided by you while registering your Account. You further agree to us contacting you in any manner, including without limitation, SMS messages (including text messages), WhatsApp, calls using pre-recorded messages or artificial voice, calls and messages delivered using auto telephone dialing system or an automatic texting system, and notifications sent via the website and App. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via SMS or WhatsApp. You certify, warrant and represent that the telephone numbers and/or email addresses and any other information that you have provided to us are your own and not someone else’s and are true, accurate, current and complete. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us and emails at each of the email addresses you have provided us. You agree to notify us whenever you stop using a particular telephone number(s) and/or email address(es). In relation to the unsolicited communication referred in “National Do Not Call Registry” as laid down by Telecom Regulatory Authority of India, you confirm that laws will not be applicable for such communication/calls/SMS/messages through the whatsapp messenger application received from ARTHUM, its employees, agents and/or associates.
XIII. CONFIDENTIALITY
ARTHUM shall make all reasonable efforts to ensure that your information is kept confidential. However, ARTHUM shall not be responsible for any disclosure or leakage of confidential information and/or loss or damage of the Device due to theft, negligence or failure on your part to practice safe computing.
XIV. INDEMNIFICATION
You agree to protect, defend and indemnify us and hold us and our representatives harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your access and use of the website & App in violation of these T&Cs and/or your infringement, or infringement by any other user of your Account, of any intellectual property or another right of anyone. The terms of this provision will survive any termination or cancellation of these T&Cs or your use of the App.
XV. LINK TO OTHER WEBSITES
The links to any third-party websites on the App are provided solely as pointers in connection with the Services, and ARTHUM has no control over the content on such third party websites. ARTHUM makes no warranties concerning the content of such websites, including the accuracy, completeness, reliability of said websites, nor does ARTHUM warrant that such website or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. If you choose to follow a link to a third party website, you will do so at your own risk. You also acknowledge that links to third party websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or Services offered at such sites, or any representation regarding the content at such third party websites.
XVI. LIMITATION OF LIABILITY
IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR FOR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS DUE TO USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE ACCESS, USE OR PERFORMANCE OF THIS APP’S FUNCTIONS AND FEATURES OR FOR INTERRUPTIONS, DELAY, ETC., EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF DAMAGES RESULTING FROM THE COST OF GETTING SUBSTITUTE FACILITIES ON THE WEBSITE & APP, ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE APP, UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA STATEMENTS OR CONDUCT OF ANYONE ON THE APP, OR INABILITY TO USE THE APP, THE PROVISION OF OR FAILURE TO PROVIDE THE FUNCTIONS AND FEATURES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. THIS CLAUSE SHALL SURVIVE IN PERPETUITY
XVII. VALIDITY OF T&Cs
These T&Cs shall apply when you complete the authentication process and create an Account and shall remain valid and binding on you for so long as you maintain the Account and avail Services.
XVIII. SECURITY:
You are prohibited from violating or attempting to violate the security of the App, including, without limitation: • accessing data not intended for you or logging into an account which you are not authorized to access; • attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or • interfering with Service to any User, host, or network. You shall not misuse this App by intentionally introducing viruses, trojans, worms, logic bombs or other materials that are malicious or technologically harmful (together “Viruses “). You will not attempt to gain unauthorized access to the App, or any server, computer or database connected to the App. You will not attack this App via a denial-of-service attack. Further, you shall not interfere with or circumvent any security feature of the App or any feature that restricts or enforces limitations on use of or access to the App, such as probing or scanning the vulnerability of any system, network or breach. Should you breach the provisions of this Clause, you will be liable to be prosecuted under the Information Technology Act, 2000 and other applicable statutes. We will immediately report such breach to the relevant law enforcement authorities and will co-operate with such authorities by disclosing your identity to them. In the event of such a breach, your rights to use this App will cease immediately. We will not be liable for any loss or damage caused by a denial-of-service attack or Viruses that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this App or to your downloading of any material posted on it. You agree to immediately report to us all incidents involving suspected or actual unauthorized access, disclosure, alteration, loss, damage, or destruction of data. You shall not interfere with or disrupt (or attempt to interfere with or disrupt) access and enjoyment of the App by other users or any host or network, including, without limitation, creating or transmitting unwanted electronic communications such as “spam” to other users, overloading, flooding or mail-bombing the App, or scripting the creation of content in such a manner as to interfere with or create an undue burden on the App. All actions performed by any person using your account and password shall be deemed to have been committed by you and you shall be liable for the same. We reserve the right to suspend/terminate your Account at any time if it is found that you have been sharing the password with any unauthorized user. In order to reduce the risk of unauthorized access, a user is logged out from the account and will have to enter his details and login afresh, after 3 (three) consecutive incorrect login attempts.
XIX. MONITORING
All electronic communications and content presented and/or passed to us, including that presented and/or passed from remote access connections, may be monitored, examined, saved, read, transcribed, stored, or retransmitted in the course of daily operations by any duly authorized employee or agent of ours in the exercise of their duties, or by law enforcement authorities who may be assisting us in investigating possible contravention/non-compliance with applicable law. Electronic communications and content may be examined by automated means. Further, we have the right to reject, at our sole discretion, from the App any electronic communications or content deemed not to be in compliance with the corporate policies and procedures of ARTHUM.
XX. GOVERNING LAW AND JURISDICTION
These T&Cs (and by extension, the Privacy Policy) are governed and construed in accordance with Indian law. By using the App, you hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Bangalore, Karnataka, India, in the event of any disputes arising out of or in relation to your access to and use of the App.
XXI. EXPRESS CONSENT
The usage of the Website/App may also require you to provide consent for persona Inforamtion (including but not limited to user IDs and passwords), as may be necessary to process your application through the Website/App. Any personal Information which requires to be keyed in/uploaded is required for enabling hassle-free, faster and paperless (to the extent possible) processing of applications for products so opted/ availed by you. You, whilst providing your details/documents including but not limited to copy of the masked Aadhaar/offline Aadhaar xml (for the purpose of offline verification) or e-Aadhaar copy in case of online verification, PAN Card, Driving License, Voter Identity over the Website/App ["Personal Identifiable Information (PII)], expressly consent to ARTHUM (including its service provider/ business partner) to authenticate/verify such personal Information submitted by you, through the creation of images of such documents including retaining such images for business purposes. If you are no longer interested in sharing your personal information, please e-mail your request to info@arthum.co.in. ARTHUM reserves the right (and you expressly authorise ARTHUM) to share or disclose your personal information & determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law in force for the time being. Contact Information Email: info@arthum.co

REFUND POLICY

The Terms and Conditions contained herein shall apply to any person (“Registered User”) using the services of Avyayam Infotech Pvt Ltd (ARTHUM ) for making payments to ARTHUM. Each User is therefore deemed to have read and accepted these Terms and Conditions. Any notice, intimation or communication to be made to ARTHUM under this policy shall be made to info@arthum.co.in.
The Registered User accepts that the documentation charges are non-refundable, as they are used for CIBIL check and other document verifications.

For Documentation Charges:

The documentation charges are non-refundable, as they are used for CIBIL check and other document verifications.

Refund for fraudulent/duplicate transaction(s):

The User shall contact ARTHUM for any fraudulent transaction(s) on account of loan request, or details by a fraudulent individual/party and such issues shall be suitably addressed by ARTHUM in line with their policies and rules.

Server Slow Down/Session Timeout:

In case the Website or Service Provider’s webpage, which is linked to the Website, is experiencing any server-related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, report the same to ARTHUM.

DISCLOSURES

We hereby certify that, Avyayam Infotech Private Limited has not entered into any FLDG arrangement with any lender and further :
a) Aggregate FLDG amount outstanding is -- NIL
b) The number of Res (Lenders) and the respective number of portfolios against which FLDG has been provided and past default rates on similar portfolios -- NIL