Terms & Conditions

By accessing or using the DIGI-LOANS platform ("Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Platform or services. These Terms constitute a legally binding agreement between you and DIGI-LOANS governing your use of our website, mobile applications, and all related services.

DIGI-LOANS operates as a Direct Selling Agent (DSA) platform that connects borrowers with various lending institutions including banks and Non-Banking Financial Companies (NBFCs). Our services include: • Loan Product Marketplace: Access to various loan products including Personal Loans, Business Loans, Home Loans, Loan Against Property, and Supply Chain Finance. • Partner Network: A platform for DSA partners to source, apply, track, and manage loan applications. • Lead Management: Digital lead capture, processing, and tracking systems. • Documentation Services: Assistance with loan documentation and application processing. Important: DIGI-LOANS acts solely as an intermediary and does not directly sanction or disburse loans. All lending decisions are made by the respective financial institutions.

To use our Platform, you must: • Be at least 18 years of age • Be a citizen or legal resident of India • Have a valid PAN Card and Aadhaar Card • Have a valid email address and mobile number • Not be prohibited by law from entering into contracts For DSA Partners: • Must have valid business registration documents • Must comply with all applicable RBI guidelines for DSA operations • Must maintain required certifications and licenses • Must adhere to ethical business practices

As a user of our Platform, you agree to: • Provide accurate, current, and complete information during registration and application processes • Maintain the confidentiality of your account credentials • Immediately notify us of any unauthorized use of your account • Not use the Platform for any unlawful purposes • Not interfere with the security or functionality of the Platform • Not submit false or misleading information • Comply with all applicable laws and regulations Prohibited Activities: • Impersonating any person or entity • Uploading malicious code or content • Engaging in fraudulent activities • Violating intellectual property rights • Harvesting user information without consent

By using our Platform, you consent to: • Collection of personal information necessary for loan processing • Sharing of information with lending partners for loan evaluation • Credit bureau inquiries as part of the loan assessment process • Communication via email, SMS, and phone for service-related matters All data collection and usage is governed by our Privacy Policy, which forms an integral part of these Terms. We implement industry-standard security measures to protect your information.

• Platform Usage: Basic platform access for loan applications is provided free of charge to borrowers. • Processing Fees: Loan processing fees are determined by the respective lending institutions and will be disclosed before loan sanction. • Partner Commissions: DSA partner commissions are governed by separate partnership agreements. • Third-Party Charges: Any charges levied by third parties (credit bureaus, verification agencies, etc.) will be clearly communicated. DIGI-LOANS reserves the right to introduce or modify fee structures with prior notice to users.

IMPORTANT DISCLAIMERS: • No Guarantee of Loan Approval: DIGI-LOANS does not guarantee loan approval. All lending decisions are at the sole discretion of the respective financial institutions. • Information Accuracy: While we strive to provide accurate information, loan terms, interest rates, and eligibility criteria are subject to change by lending partners. • Platform Availability: We do not guarantee uninterrupted access to the Platform and may modify or discontinue services without notice. • Third-Party Links: Our Platform may contain links to third-party websites. We are not responsible for their content or practices. LIMITATION OF LIABILITY: To the maximum extent permitted by law, DIGI-LOANS shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform.

All content on the DIGI-LOANS Platform, including but not limited to: • Logos, trademarks, and service marks • Text, graphics, and images • Software and source code • User interface designs are the exclusive property of DIGI-LOANS or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written consent.

We reserve the right to: • Suspend or terminate your account at any time for violation of these Terms • Refuse service to anyone at our discretion • Remove or disable content that violates our policies Upon termination: • Your right to access the Platform ceases immediately • Provisions that should survive termination (such as indemnification, limitation of liability) shall continue to apply • Any pending applications will be processed according to standard procedures

• Governing Law: These Terms shall be governed by and construed in accordance with the laws of India. • Jurisdiction: Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in Kolkata, West Bengal. • Arbitration: For disputes exceeding ₹10 lakhs, parties may opt for arbitration under the Arbitration and Conciliation Act, 1996. • Grievance Redressal: For complaints, please contact our Grievance Officer at operation@digi-loan.com or call +91 8597383582.

DIGI-LOANS reserves the right to modify these Terms at any time. Changes will be effective upon posting to the Platform. • We will notify users of material changes via email or prominent notice on the Platform • Continued use of the Platform after changes constitutes acceptance of modified Terms • Users are encouraged to review Terms periodically Last Updated: December 2024