Terms & Conditions for Credit Information

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Capora Fintech Private Limited (hereinafter referred to as "Capora Fintech"), a Private Limited company having its registered office at Office 1215, Gera's Imperium Rise, Hinjewadi Phase II, Pune - 411057 ("Capora Fintech", "Us" or "We", which term shall include its successors and permitted assigns). The User and Capora Fintech shall be collectively referred to as the "Parties" and individually as a "Party".

I hereby consent to Capora Fintech being appointed as my authorized representative to receive my Credit Information and demographics from Experian for the purpose of Credit Analysis and Monitoring, checking eligibility for credit offers, pursuant to the Individual Consumer Consent ("End Use Purpose"). I hereby agree to the Terms and Conditions set forth in this document.

This Agreement governs the access, use, and handling of your credit information obtained from Experian through Capora Fintech as your authorized representative.

BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE EXPERIAN CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND CAPORA FINTECH BY USING EXPERIAN TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN.

Capora Fintech shall access your Credit Information as your authorized representative and Capora Fintech shall use the Credit Information for limited End Use Purpose consisting of and in relation to the services proposed to be availed by you from Capora Fintech.

We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein and in furtherance to CICRA.

The Parties agree to protect and keep confidential the Credit Information both online and offline.

The relationship between you and Capora Fintech shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of Mumbai.

Capitalised terms used herein but not defined above shall have the following meanings:

• "Business Day" means a day (other than a public holiday) on which banks are open for general business in Mumbai.
• "Credit Information Report" means the credit information / scores / aggregates / variables / inferences or reports which shall be generated by Experian.
• "Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
• "CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.

PLEASE READ THE ABOVEMENTIONED TERMS AND CONDITIONS AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH CAPORA FINTECH IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.

BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN.