Terms & Conditions

• M/S Finfutech Solutions Private Limited (The Company) is a Fintech company.
• Jumpp is a Digital Platform owned and operated by Finfutech Solutions Private Limited (The Company).
• The Company operates and ensures use of the Platform for facilitating availment of Banking, Lending, Investment and Personal Finance Management Advisory Services to the users.
• The Terms and Conditions are applicable to use including any person visiting, accessing and/or using the Jumpp App or website ("Platform").
• By accessing and/or using the Platform You signify Your agreement to accept these binding Terms of Use herein (“Agreement”). We reserve the right, at Our sole discretion, to change, modify or otherwise alter these Terms of Use at any time without prior notice. Such changes and/or modifications shall become effective immediately upon being posted/published on the Platform herein.
• In order to access or use the Platform, you must be “competent” to contract, as understood within the meaning of the Indian Contract Act, 1872. You may not use our products or services if you are a minor. By agreeing to use our services, you confirm that you are not a minor and are competent to contract as understood within the meaning of the Indian Contract Act, 1872. We shall not be responsible for any consequence that arises as a result of misuse of any kind of our services that may occur by virtue of any user including a minor using the services provided. By using the services, we reserve the right to terminate your subscription and /or refuse to provide you with access to the services if it is discovered that the consent to use the products or services is not made by you, or if we find out that you are a minor, or any information provided by you is inaccurate. You may not access or use the Platform and/or the services if we have previously banned you from the Digital Platform or deactivated your account.
• The Company will maintain a record of Your Personal Information and Financial Transactions in a secure and confidential manner. However, when You express Your interest in availing services of any of Our group/associate/affiliate companies/third party service providers/ partner Bank, then based on Your consent, We may share Your KYC and other related information with Our group/associate/affiliate companies/Third party Service providers/ partner bank and You hereby give Your consent for the same.
• Finfutech Solutions Pvt Ltd shall share the information and documents received from you for the Credit Products with Finvasia Financial Services Pvt Ltd, Diglen Solutions Pvt Ltd (LSP) and its Digital Lending App (DLA) through secure channels. While Finfutech Solutions Pvt Ltd undertakes measures to ensure that such transmission is error free, however, it does not guarantee that the transmissions of your details will always be secure or that unauthorized third parties will never be able to defeat the security measures taken by Finfutech Solutions Pvt Ltd.
• You hereby agree and acknowledge to promptly provide all requested Know Your Customer (KYC) details (including identity proof, permanent account number (PAN) and address proof) and any other information as may be requested by Finfutech Solutions Pvt Ltd and/or its group companies or/and associates or/and the Bank/Third party service providers for providing the various services to You and undertaking the verification of the KYC. Finfutech Solutions Pvt Ltd reserves a right to request for additional information or documents from the User while providing the loans. You understand, agree and give your consent to share all such information and documents collected by Finfutech Solutions Pvt Ltd with the Bank/ Third party service providers/Group companies and You agree to provide complete, genuine, and accurate information and documents to Finfutech Solutions Pvt Ltd for availing the services on the digital platform and shall ensure that such information is not false, misleading, or incorrect.
• By sharing your number, you consent to receive our service and promotional calls/messages, overriding any DNC/NDNC registration.
• You hereby give your consent to Finfutech Solutions Pvt Ltd to obtain your personal information including KYC information from other Finvasia Group entities for products and/or services offered by them to you.
• The Company may also allow its group/affiliate entities such as Finvasia Securities Pvt Ltd, Finvasia Financial Services Pvt Ltd, Finofin Insurance and Advisory Services Private Limited, Diglen Solutions Pvt. Ltd., Finvasia Ventures Pvt Ltd. and Third Party Service Providers/ Partner Bank among others, to use the digital Platform to offer their products and services to You, under applicable terms and conditions specified on Jumpp Platform.
• By proceeding on this platform, you authorize the platform to access your existing account information with Finvasia Securities Private Limited (‘Shoonya’). If you do not hold an existing account with Shoonya, you further authorize the platform to share your personal and demographic information with Shoonya for the purpose of initiating and completing Shoonya account opening. The platform acts solely as a facilitator.
• Services of the other group companies involved in the Digital App will be as under:

  • Finvasia Securities Pvt Ltd’s Services-

    • Will provide Services for investment in digital gold and mutual funds through its Digital Platform/App by the name Shoonya.
  • Finvasia Financial Services Pvt Ltd’s Services-

    • Will provide Lending Services through M/S.Diglen Solutions Pvt Ltd (LSP) and its Digital Lending App(DLA)
    • M/S.Diglen Solutions Pvt Ltd (LSP)’s Digital Lending App (DLA) will occupy dedicated space and place in the main Jumpp App.
    • For availing Credit Facilitation Services, you hereby consent and authorize Finvasia Financial services Pvt Ltd to create and hold the mandate for debiting your bank account for collection of your EMIs.
    • You agree that Finvasia Financial services Pvt Ltd (FFSPL) holding your mandate and maintains a record of your details in a secure and confidential manner with Yes Bank as Yes bank is the Partner Bank of FFSPL, our service provider to facilitate presentation of your mandate and collection of repayments under the said mandate.
    • You confirm that that funds disbursed under the line of credit product/services are not used for speculation purpose in any manner whatsoever.
  • Finofin Insurance and Advisory Services Pvt Ltd’s Services-

    • The advisory entity is mainly set up to provide advisory services to the users.
    • All the insights on the analyses of the expenses, spending pattern along with budgeting would be done through this entity on the basis of the accounts linked through the account aggregator.
    • The advisory entity would further advise the users to channelize their savings and earnings and further invest using all the other relevant features of the application. Please refer to the terms and conditions or other material provided by Finvasia Group Entities and the Company does not represent and warrant to provide an exhaustive list or representation of services by them.

LICENSE.

By using this Platform, you are granted a limited, non-exclusive, non-transferable right to use the content and materials on the Platform in connection with your normal, noncommercial, use of the Platform. You may not copy, reproduce, transmit, distribute, or create derivative works of such content or information without express written authorization from Company or the applicable third party (if third party content is at issue).

POSTING.

By posting, storing, or transmitting any content on the Platform, you hereby grant Company a perpetual, worldwide, non-exclusive, royalty-free, assignable, right and license to use, copy, display, perform, create derivative works from, distribute, have distributed, transmit and assign such content in any form, in all media now known or hereinafter created, anywhere in the world. The Company does not have the ability to control the nature of the user-generated content offered through the Platform. You are solely responsible for your interactions with other users of the Platform and any content you post. Company is not liable for any damage or harm resulting from any posts by or interactions between users. Company reserves the right, but has no obligation, to monitor interactions between and among users of the Platform and to remove any content Company deems objectionable.

LINKS:

As part of the advertising and marketing services offered the Company, the Platform may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of Platform and/or the Company. We are not responsible for the content of any Linked Site, or any changes or updates to the Linked Site.

We do not intend the Linked Sites to be referrals to, endorsements of, or affiliations with linked entities.

On accessing the Linked Sites, you shall be governed by the terms of use, privacy policy and any other additional policies of the Linked Sites. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, advertising, products, services or other materials available on or through any Linked Sites or for any errors, defamatory content, libel, slander, omissions, falsehoods, obscene content, pornographic material, or any profanity contained therein.

INTELLECTUAL PROPERTY RIGHTS

"Intellectual Property Rights" shall mean all patents, trademarks, service marks, copyrights, database right, trade names, brand names, trade secrets, design rights and similar proprietary rights of the Company whether registered or unregistered and all renewals and extensions.

All rights, title and interest in the Intellectual Property Rights in the Platform are the property of the Company and/or its licensors and/or other respective owners and are protected, without limitation, pursuant to Intellectual Property Rights laws of India and the world.

The Company retains full, complete and absolute title to the Platform and all Intellectual Property Rights therein.

The Platform shall be deemed to be non--‐exclusively licensed to You by Us only for Your non-commercial personal use and only for such period as We may, in Our sole discretion, deem appropriate. You shall not use, reproduce, redistribute, sell, offer on commercial rental, decompile, reverse engineer, disassemble, adapt, communicate to the public, make a Derivative work, interfere with the integrity of the Platform (including without limitation the software, coding, constituents, elements, materials, etc.) in any manner whatsoever.

All content included on the Platform and delivered to Users as part of the services including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, code, and software used on or incorporated into the Platform, is the property of the Company, unless expressly provided otherwise, and is protected by Applicable Law.

DISCLAIMER OF WARRANTIES

Your use of this platform and/or products or services are at your sole risk. The platform and products or services are offered on an "as is" and "as available" basis. The company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement with respect to the products or services or platform content, or any reliance upon or use of the platform content or products or services. ("Products" include trial products.) Without limiting the generality of the foregoing, the company makes no warranty:

• That the information provided on this platform is accurate, reliable, complete, or timely.
• That the links to third-party websites are to information that is accurate, reliable, complete, or timely.
• Disclaim any and all express or implied representations, warranties and/or conditions of any kind, including but not limited to warranties of completeness, accuracy, reliability, suitability, fitness, merchantability, Availability, quality, fitness for any purpose, non‐infringement, compatibility and/or security;
• Are not responsible or liable for any infection or contamination of your system or device arising out of or in connection with your use of the platform or any connected website and do not warrant that the platform, the server(s) that make the website available or any connected websites are free from viruses, trojan horses, worms, software bombs or similar items or processes or other harmful components;
• Are not responsible or liable for interruptions, delays, inaccuracies, errors, or omissions arising out of your use of the platform or any connected website or with respect to the material and user material thereon; and
• Do not warrant that the platform, or any connected website, linked microsites, any materials, third-party content, services offered will be uninterrupted or error free or accurate or suit your purpose.
• No advice or information, whether oral or written, obtained by you
  from this platform will create any warranty not expressly stated herein.
• As to the results that may be obtained from the use of the products or services or that defects in products or services will be corrected.
• Regarding any products or services purchased or obtained through the platform.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

Every effort is made to keep the platform running smoothly. However, the company takes no responsibility for, and will not be liable for, the platform being unavailable due to any reasons.

The entire risk as to the quality, accuracy, adequacy, completeness, fitness, correctness and validity of any material and use of and access to the platform or any connected website rests solely with you.

The platform may contain links to other third-party websites which are not under the control of the company. Any website you visit by a link from the platform is solely the responsibility of the third party providing the website. Any transactions that you enter into with a third party listed in this platform or linked from this platform are solely between you and that third party.

We are not responsible for any such third-party content that may be accessed via the platform, nor the organizations publishing those third-party websites, and here by disclaim any responsibility and liability for such content. The inclusion of any links does not constitute or imply an endorsement or recommendation by us of thethird--‐party, of the quality of any product or service, advice, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the third-party website

Limitation of liability

Company’s entire liability, and your exclusive remedy, in law, in equity, or otherwise, with respect to the platform content and products or services and/or for any breach of this agreement is solely limited to the amount you paid, for products and services purchased via the platform.

The company will not be liable for any direct, indirect, incidental, special or consequential damages in connection with this agreement or the products or services in any manner, including liabilities resulting from

(1) the use or the inability to use the platform content or products or services; (2) the cost of procuring substitute products or content;

(3) any products or services purchased or obtained or transactions entered into through the platform; or

(4) any lost profits you allege.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so some of the above limitations may not apply to you.

Indemnification

You will release, indemnify, defend and hold harmless the company and Finvasia group entities, and any of its contractors, agents, employees, officers, directors, shareholders, affiliates and assigns from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of

(1) this agreement or the breach of your warranties, representations and obligations under this agreement;

(2) the platform content or your use of the platform content;

(3) the products or services or your use of the products or services (including trial products);

(4) any intellectual property or other proprietary right of any person or entity;

(5) your violation of any provision of this agreement; or

(6) any information or data you supplied to the company and Finvasia group entities when the company or Finvasia group entities is threatened with suit or sued by a third party, the company or Finvasia group entities may seek written assurances from you concerning your promise to indemnify the company and Finvasia group entities; your failure to provide such assurances may be considered by the company and Finvasia group entities to be a material breach of this agreement.

The company and Finvasia group entities will have the right to participate in any defense by you of a third-party claim related to your use of any of the platform content or products or services, with counsel of the company and Finvasia group entities choice at its expense. The company and Finvasia group entities will reasonably cooperate in any defense by you of a third-party claim at your request and expense. You will have sole responsibility to defend the company and Finvasia group entities against any claim, but you must receive the company and Finvasia group entities prior written consent regarding any related settlement. The terms of this provision will survive any termination or cancellation of this agreement or your use of the platform or products or services.

PRIVACY

The Company believes strongly in protecting user privacy and providing you with notice of Company's use of data. Please refer to Company privacy policy, incorporated by reference herein, that is posted on the Platform.

AGREEMENT TO BE BOUND

By using this Platform, you acknowledge that you have read and agree to be bound by this Agreement and all terms and conditions on this Platform.

GENERAL

Force Majeure.

Company will not be deemed in default hereunder or held responsible for any cessation, interruption or delay in the performance of its obligations here under due to earthquake, flood, fire, storm, natural disaster, act of God, war, terrorism, armed conflict, labor strike, lockout, or boycott.

Cessation of Operation. Company may at any time, in its sole discretion and without advance notice to you, cease operation of the Platform and distribution of the Products/Services.

Effect of Waiver. The failure of Company to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect, Governing Law; Jurisdiction. This Agreement will be governed by the laws of Chandigarh without regard to its conflict of law principles to the contrary.

Termination

Company reserves the right to terminate your access to the Platform if it reasonably believes, in its sole discretion, that you have breached any of the terms and conditions of this Agreement. Following termination, you will not be permitted to use the Platform and Company may, in its sole discretion and without advance notice to you, cancel any outstanding orders for Products/Services. If your access to the Platform is terminated, Company reserves the right to exercise whatever means it deems necessary to prevent unauthorized access of the Platform. This Agreement will survive indefinitely unless and until Company chooses, in its sole discretion and without advance to you, to terminate it.

Domestic Use.

Company makes no representation that the Platform or Products or Services are appropriate or available for use in locations outside India. Users who access the Platform from outside India do so at their own risk and initiative and must bear all responsibility for compliance with any applicable local laws.

Assignment.

You may not assign your rights and obligations under this Agreement to anyone. Company may assign its rights and obligations under this Agreement in its sole discretion and without advance notice to you.

Jumpp (The Digital App)

Terms and Conditions

• Jumpp is a Digital Platform owned and operated by Finfutech Solutions Private Limited (The Company).
• The Terms and Conditions are applicable to user which maybe any person visiting, accessing and/or using the App, Jumpp or website (“Platform”).
• By accessing and/or using the Platform You signify Your agreement to accept these binding Terms of Use herein (“Agreement”). We reserve the right, at Our sole discretion, to change, modify or otherwise alter these Terms of Use at any time without prior notice. Such changes and/or modifications shall become effective immediately upon being posted/published on the Platform herein.
• In order to access or use the Platform, you must be “competent” to contract, as understood within the meaning of the Indian Contract Act, 1872. You may not use our products or services if you are a minor. By agreeing to use our services, you confirm that you are not a minor and are competent to contract as understood within the meaning of the Indian Contract Act, 1872. We shall not be responsible for any consequence that arises as a result of misuse of any kind of our services that may occur by virtue of any user including a minor using the services provided. By using the services, we reserve the right to terminate your subscription and /or refuse to provide you with access to the services if it is discovered that the consent to use the products or services is not made by you, or if we find out that you are a minor, or any information provided by you is inaccurate. You may not access or use the Platform and/or the services if we have previously banned you from the Digital Platform or deactivated your account.
• The Company may also allow its group/affiliate entities such as Finvasia Securities Pvt Ltd, Finvasia Financial Services Pvt Ltd, Finofin Insurance Advisory Services Private Limited, Diglen Solutions Pvt. Ltd., Finvasia Ventures Pvt Ltd. and Third-Party Service Providers/ Partner Bank among others, to use the digital Platform to offer their products and services to You, under applicable terms and conditions specified on Jumpp Platform.
• The Jumpp App may request access to SMS for the limited purpose of sending and auto-reading SMS during account creation, Mobile Number Verification or bank account verification. This access allows the SDK to automatically read the OTP sent by your bank in order to complete verification in a faster and more secure manner. The App does not access, store, or use any personal or promotional SMS messages beyond this purpose.
• The Jumpp App may request access to your device’s camera in order to complete Video KYC, where capturing your live photo, video, and document images is mandated under applicable regulations. Camera functionality is also used to enable QR code scanning for payments and related services. The camera is activated only when you initiate these actions, and the data captured is used strictly for verification and payment purposes in compliance with applicable legal and regulatory requirements.
• The Jumpp App may request access to your device’s microphone exclusively to conduct Video KYC sessions. Two-way audio is an essential component of this process as required under the Reserve Bank of India’s and Securities and Exchange Board of India's Master Directions on KYC and Video-based Customer Identification (V-CIP). Microphone access is active only during Video KYC calls and not at any other time. Audio captured is used only for regulatory compliance and handled securely in accordance with applicable standards.

Services of Finvasia Group Companies involved in the functioning of the App will be as under:

• Finfutech Solutions Pvt Ltd’s services –

  • Use of the Platform for facilitating availment of Banking, Lending, Investment and Personal Finance Management Advisory Services by the users.
  • Maintain a record of Your Personal Information and financial transactions in a secure and confidential manner. However, when You express Your interest in availing services of any of Our group/associate/affiliate companies/third party service providers/ partner Bank, then based on Your consent, We may share Your KYC and other related information with Our group/associate/affiliate companies/Third party Service providers/ partner bank and You hereby give Your consent for the same.
• Finfutech Solutions Pvt Ltd

  • Shall share the information and documents received from you for the Credit Products with Finvasia Financial services Pvt Ltd, Diglen Solutions Pvt Ltd (LSP) and its Digital Lending App(DLA) through secure channels. While Finfutech Solutions Pvt Ltd undertakes measures to ensure that such transmission is error free, however, it does not guarantee that the transmissions of Your details will always be secure or that unauthorized third parties will never be able to defeat the security measures taken by Finfutech Solutions Pvt Ltd.
  • You hereby agree and acknowledge: (i) to promptly provide all requested Know Your Customer (KYC) details (including identity proof, permanent account number (PAN) and address proof) and any other information as may be requested by Finfutech Solutions Pvt Ltd and/or its group companies or/and associates or/and the Bank/Third party service providers for providing the various services to You and undertaking the verification of the KYC. Finfutech Solutions Pvt Ltd reserves a right to request for additional information or documents from the User while providing the loans. You understand, agree and give your consent to share all such information and documents collected by Finfutech Solutions Pvt Ltd with the Bank/ Third party service providers/Group companies and You agree to provide complete, genuine, and accurate information and documents to Finfutech Solutions Pvt Ltd for availing the services on the digital platform and shall ensure that such information is not false, misleading, or incorrect.
  • You hereby give Your consent to Finfutech Solutions Pvt Ltd to obtain Your personal information including KYC information from other Finvasia Group entities for products and/or services offered by them to you.
• Finvasia Securities Pvt Ltd’s Services-

  • Will provide Services for investment in digital gold and mutual funds through its Digital Platform/ App by the name Shoonya.
  • Being a Shoonya customer, I gave my explicit consent to fetch my demat account related details including holdings and portfolio.
• Finvasia Financial services Pvt Ltd’s Services-

  • Will provide Lending Services through M/S.Diglen Solutions Pvt Ltd (LSP) and its Digital Lending App(DLA)
• Diglen Solutions Pvt Ltd (LSP)’s Digital Lending App (DLA)

  • Will occupy dedicated space and place in the main Jumpp App.
  • For availing Credit Facilitation Services, you hereby consent and authorize Finvasia Financial services Pvt Ltd to create and hold the mandate for debiting your bank account for collection of your EMIs.
  • You agree that Finvasia Financial services Pvt Ltd (FFSPL) holding your mandate and maintains a record of your details in a secure and confidential manner with Yes Bank as Yes bank is the Partner Bank of FFSPL, our service provider to facilitate presentation of your mandate and collection of repayments under the said mandate.
  • You confirm that that funds disbursed under the line of credit product/services are not used for speculation purposes in any manner whatsoever.
• Finofin Insurance and Advisory Services Pvt Ltd’s Services-

  • The advisory entity is mainly set up to provide advisory services to users.
  • All the insights on the analyses of the expenses, spending pattern along with budgeting would be done through this entity on the basis of the accounts linked through the account aggregator.
  • The advisory entity would further advise the users to channelize their savings and earnings and further invest using all the other relevant features of the application.

Please refer to the terms and conditions or other material provided by Finvasia Group Entities and the Company does not represent and warrant to provide an exhaustive list or representation of services by them.

LICENSE.

By using this Platform, you are granted a limited, non-exclusive, non-transferable right to use the content and materials on the Platform in connection with your normal, noncommercial, use of the Platform. You may not copy, reproduce, transmit, distribute, or create derivative works of such content or information without express written authorization from Company or the applicable third party (if third party content is at issue).

POSTING.

By posting, storing, or transmitting any content on the Platform, you hereby grant Company a perpetual, worldwide, non-exclusive, royalty-free, assignable, right and license to use, copy, display, perform, create derivative works from, distribute, have distributed, transmit and assign such content in any form, in all media now known or hereinafter created, anywhere in the world. The Company does not have the ability to control the nature of the user-generated content offered through the Platform. You are solely responsible for your interactions with other users of the Platform and any content you post. Company is not liable for any damage or harm resulting from any posts by or interactions between users. Company reserves the right, but has no obligation, to monitor interactions between and among users of the Platform and to remove any content Company deems objectionable.

LINKS:

As part of the advertising and marketing services offered by the Company, the Platform may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of Platform and/or the Company. We are not responsible for the content of any Linked Site, or any changes or updates to the Linked Site. We do not intend the Linked Sites to be referrals to, endorsements of, or affiliations with linked entities.
On accessing the Linked Sites, you shall be governed by the terms of use, privacy policy and any other additional policies of the Linked Sites. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, advertising, products, services or other materials available on or through any Linked Sites or for any errors, defamatory content, libel, slander, omissions, falsehoods, obscene content, pornographic material, or any profanity contained therein.

INTELLECTUAL PROPERTY RIGHTS

"Intellectual Property Rights" shall mean all patents, trademarks, service marks, copyrights, database right, trade names, brand names, trade secrets, design rights and similar proprietary rights of the Company whether registered or unregistered and all renewals and extensions.

All rights, title and interest in the Intellectual Property Rights in the Platform are the property of the Company and/or its licensors and/or other respective owners and are protected, without limitation, pursuant to Intellectual Property Rights laws of India and the world.

The Company retains full, complete and absolute title to the Platform and all Intellectual Property Rights therein. The Platform shall be deemed to be non-exclusively licensed to You by Us only for Your non-commercial personal use and only for such period as We may, in Our sole discretion, deem appropriate. You shall not use, reproduce, redistribute, sell, offer on commercial rental, decompile, reverse engineer, disassemble, adapt, communicate to the public, make a Derivative work, interfere with the integrity of the Platform (including without limitation the software, coding, constituents, elements, materials, etc.) in any manner whatsoever.

All content included on the Platform and delivered to Users as part of the services including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, code, and software used on or incorporated into the Platform, is the property of the Company, unless expressly provided otherwise, and is protected by Applicable Law.

DISCLAIMER OF WARRANTIES

Your use of this platform and/or products or services are at your sole risk. The platform and products or services are offered on an "as is" and "as available" basis. The company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement with respect to the products or services or platform content, or any reliance upon or use of the platform content or products or services. ("Products" include trial products.)

Without limiting the generality of the foregoing, the company makes no warranty:

• that the information provided on this platform is accurate, reliable, complete, or timely.
• That the links to third-party websites are to information that is accurate, reliable, complete, or timely.
• Disclaim any and all express or implied representations, warranties and/or conditions of any kind, including but not limited to warranties of completeness, accuracy, reliability, suitability, fitness, merchantability, availability, quality, fitness for any purpose, non-infringement, compatibility and/or security; are not responsible or liable for any infection or contamination of your system or device arising out of or in connection with your use of the platform or any connected website and do not warrant that the platform, the server(s) that make the website available or any connected websites are free from viruses, trojan horses, worms, software bombs or similar items or processes or other harmful components;
• are not responsible or liable for interruptions, delays, inaccuracies, errors, or omissions arising out of your use of the platform or any connected website or with respect to the material and user material thereon; and
• do not warrant that the platform, or any connected website, linked microsites, any materials, third-¬‐party content, services offered will be uninterrupted or error free or accurate or suit your purpose.
• No advice or information, whether oral or written, obtained by you from this platform will create any warranty not expressly stated herein.
• As to the results that may be obtained from the use of the products or services or that defects in products or services will be corrected.
• Regarding any products or services purchased or obtained through the platform.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.Every effort is made to keep the platform running smoothly. However, the company takes no responsibility for, and will not be liable for, the platform being unavailable due to any reasons.

The entire risk as to the quality, accuracy, adequacy, completeness, fitness, correctness and validity of any material and use of and access to the platform or any connected website rests solely with you.

The platform may contain links to other third-party websites which are not under the control of the company. Any website you visit by a link from the platform is solely the responsibility of the third party providing the website. Any transactions that you enter into with a third party listed in this platform or linked from this platform are solely between you and that third party.

We are not responsible for any such third-party content that may be accessed via the platform, nor the organizations publishing those third-party websites, and hereby disclaim any responsibility and liability for such content. The inclusion of any links does not constitute or imply an endorsement or recommendation by us of the third‐party, of the quality of any product or service, advice, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the third-party website.

LIMITATION OF LIABILITY

Company’s entire liability, and your exclusive remedy, in law, in equity, or otherwise, with respect to the platform content and products or services and/or for any breach of this agreement is solely limited to the amount you paid, for products and services purchased via the platform.

The company will not be liable for any direct, indirect, incidental, special or consequential damages in connection with this agreement or the products or services in any manner, including liabilities resulting from

(1) the use or the inability to use the platform content or products or services

(2) the cost of procuring substitute products or content;

(3) any products or services purchased or obtained, or transactions entered into through the platform; or

(4) any lost profits you allege.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so some of the above limitations may not apply to you.

INDEMNIFICATION

You will release, indemnify, defend and hold harmless the company and Finvasia group entities, and any of its contractors, agents, employees, officers, directors, shareholders, affiliates and assigns from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of

(1) this agreement or the breach of your warranties, representations and obligations under this agreement;

(2) the platform content or your use of the platform content;

(3) the products or services or your use of the products or services (including trial products);

(4) any intellectual property or other proprietary right of any person or entity;

(5) your violation of any provision of this agreement; or

(6) any information or data you supplied to the company and Finvasia group entities when the company or Finvasia group entities is threatened with suit or sued by a third party, the company or Finvasia group entities may seek written assurances from you concerning your promise to indemnify the company and Finvasia group entities; your failure to provide such assurances may be considered by the company and Finvasia group entities to be a material breach of this agreement. The company and Finvasia group entities will have the right to participate in any defense by you of a third-party claim related to your use of any of the platform content or products or services, with counsel of the company and Finvasia group entities choice at its expense. The company and Finvasia group entities will reasonably cooperate in any defense by you of a third-party claim at your request and expense. You will have sole responsibility to defend the company and Finvasia group entities against any claim, but you must receive the company and Finvasia group entities prior written consent regarding any related settlement. The terms of this provision will survive any termination or cancellation of this agreement or your use of the platform or products or services.

PRIVACY

The Company believes strongly in protecting user privacy and providing you with notice of Company's use of data. Please refer to Company privacy policy, incorporated by reference herein, that is posted on the Platform.

AGREEMENT TO BE BOUND

By using this Platform, you acknowledge that you have read and agree to be bound by this Agreement and all terms and conditions on this Platform.

GENERAL

Force Majeure.

Company will not be deemed in default hereunder or held responsible for any cessation, interruption or delay in the performance of its obligations hereunder due to earthquake, flood, fire, storm, natural disaster, act of God, war, terrorism, armed conflict, labor strike, lockout, or boycott.
Cessation of Operation. Company may at any time, in its sole discretion and without advance notice to you, cease operation of the Platform and distribution of the Products/Services.

Effect of Waiver.

The failure of Company to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect.

Governing Law; Jurisdiction.

This Agreement will be governed by the laws of Chandigarh without regard to its conflict of law principles to the contrary.

Termination.

Company reserves the right to terminate your access to the Platform if it reasonably believes, in its sole discretion, that you have breached any of the terms and conditions of this Agreement. Following termination, you will not be permitted to use the Platform and Company may, in its sole discretion and without advance notice to you, cancel any outstanding orders for Products/Services. If your access to the Platform is terminated, Company reserves the right to exercise whatever means it deems necessary to prevent unauthorized access of the Platform. This Agreement will survive indefinitely unless and until Company chooses, in its sole discretion and without advance to you, to terminate it.

Domestic Use.

Company makes no representation that the Platform or Products or Services are appropriate or available for use in locations outside India. Users who access the Platform from outside India do so at their own risk and initiative and must bear all responsibility for compliance with any applicable local laws. Assignment. You may not assign your rights and obligations under this Agreement to anyone. Company may assign its rights and obligations under this Agreement in its sole discretion and without advance notice to you.

UPI

What is NPCI?

NPCI is an authorized payment system operator by RBI.NPCI owns and operates UPI payment system.

What is PSP bank?

PSP is the banking company authorized to act as a Payment Service Provider (PSP) under the UPI framework. PSP engages the TPAP to provide UPI services to the end-user customers.

What is TPAPs?

Third Party Application Provider (TPAP) is an entity that provides the UPI compliant app(s) to the end-user customers to facilitate UPI based payment transactions.

What is Customer’s Bank?

The Bank where the end-user customer maintains his/her account that has been linked for the purpose of debiting/crediting the payment transactions made through UPI.

Who is End User Customer?

The end-user customer is the individual who uses UPI payment facility to send and receive payments.

We hereby confirm that:

• We Finfutech Solution Private Limited are a TPAP authorized by NPCI to facilitate payments through PSP Bank(s) namely YES Bank Limited. We are a service provider and we participate in UPI through the PSP Bank.
• We are bound by the tripartite agreement entered with the sponsor PSP Bank YES Bank Limited (name of the PSP bank(s) to be added) and NPCI. We are responsible for facilitating grievances / complaints resolution of the customers on-boarded on our UPI application.
• We shall be the first point of contact for all UPI related grievances/complaints for customers on-boarded by us.In case the complaint/grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where you maintain the account) and NPCI in the same order. After exercising these options, you can approach the Banking Ombudsman and/or the Ombudsman for Digital Complaints, as the case may be.

Roles & Responsibilities of NPCI

• NPCI owns and operates the Unified Payments Interface (UPI) platform
• NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement
• NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI
• NPCI provides a safe, secure and efficient UPI system and network
• NPCI provides online transaction routing, processing and settlement services to members participating in UPI
• NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI
• NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

Roles & responsibilities of PSP Bank

• PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments
• PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.
• PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app
• PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers
• PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform
• PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security
• PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India
• PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.
• PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer

Roles & Responsibilities of TPAP

• TPAP is a service provider and participates in UPI through PSP Bank
• TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI
• TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform
• TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard
• TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India
• TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI
• TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

Dispute Redressal Mechanism

• Every end-user customer can raise a complaint with respect to a UPI transaction, on the PSP app / TPAP app.
• End-user customer can select the relevant UPI transaction and raise a complaint in relation thereto
• A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances / complaints of the end-user customers on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app). In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.
• The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions
• The end-user customer shall be kept communicated by the PSP / TPAP by means of updating the status of such end-user customer’s complaint on the relevant app itself

Rewards

Terms of Use

By using this APP (“Jumpp”) you indicate your agreement to these terms of use. You further warrant and covenant that you have the power and authority to enter into this agreement. If you do not agree to these Terms, please do not use the Site and exit now.

Signing Up

Membership access to the Site and the Jumpp Rewards program is open to all Jumpp App customers. Your membership of the Site shall be co-existent and co-terminus with your membership of the Jumpp Rewards program subject to your concurrence with these Terms.

Changes

We may revise these Terms at any time without prior notice by updating this page, and such revisions will be effective upon posting to this page. Please check this page periodically for any changes. Your continued use of the Site following the posting of any revisions to these Terms will mean you accept those changes. We reserve the right to alter, suspend or discontinue any aspect of the Site, including your access to it. Unless explicitly stated, any new features, merchandise or services will be subject to these Terms.

Proprietary Rights

Unless otherwise stated, the contents of the Site including, but not limited to, the text, sound and images contained herein, the selection, arrangement, and presentation of all materials (including information in the public domain), and the overall design of this Site are the property of The Company. They are protected by Indian and international intellectual property law. This platform of Goods and Services will remain dynamic. There will be new goods and services being added continually to keep the redemption options refreshed for you. Jumpp Points need to be redeemed within 1 year (12 months excluding the month of accrual) of earning them. Unredeemed Jumpp Points will expire at the end of 1 year.

Purpose

You understand that the Company provides this Site in order for you to review the Jumpp Points accrued in your respective account, and to enable you to redeem them by selecting products or services offered by our partner organizations ("Partners").

Jumpp Points

Earning:

Jumpp Points can be accrued by making payments using your Jumpp Account for various transactions and activities. Jumpp Points earned by you will be credited to your account in 7 working days.

Redemption:

You don’t need any minimum number of Points to start redemption. Redemption can only be made onJumpp App.

Expiry:

If not redeemed, Jumpp Points accrued on your Jumpp Transactions and activities will expire after 12 months, excluding the month of accrual.

Pricing and Other Errors:

If the number of Jumpp Points you redeem for a product or service is incorrect, regardless of an error in the number of Jumpp Points posted on the Site or otherwise communicated to you, or if you are able to redeem a product or service that was not supposed to have been released for redemption, then The Company or our Partner will have the right to cancel that redemption and refund to you the Jumpp Points that you redeemed. This will apply regardless of a human/logical/transactional error.

Your use of the Site and membership of the Jumpp Rewards Program may be subject to additional terms and conditions stated on the Site on specific pages relevant to a feature, service or offer. These include terms governing the accrual, redemption and expiry of your Jumpp Points that override the above three provisions.

No Warranty

The site is provided "as is" with no warranty of any kind and you use these services at your own risk. The company expressly disclaims any warranty, express or implied, regarding the site or its content, including any implied warranty of merchantability, fitness for a particular purpose or non-infringement.

Furthermore, some of the features, facilities and offers on this Site are provided by organizations including Partners, that The Company has made arrangements with, but over which it has no control. The Company does not guarantee or warrant that such benefits and facilities will be available, nor will it be liable for any loss or damage arising from the provision, or non-provision, whether in whole or in part of any such benefits or facilities.

Limitation of Liability

Under no circumstances will the company be liable to you for any indirect, incidental, consequential, special or exemplary damages arising out of or in connection with use of the site, whether the company has been advised of the possibility of such damages. Under no circumstances shall the company be liable to you for any amount.

Indemnity

Whenever you use Jumpp Platform in order to obtain or utilize any of the benefits, facilities or arrangements offered or available as a result of your membership of the Jumpp Rewards Program, you will be personally liable for any and all costs, charges, claims or liabilities of whatever nature arising from use of such benefits, facilities or arrangements.

You agree to hold harmless and indemnify Finvasia / Company, and its employees, agents and representatives, from and against any third party claim arising from or in any way related to your use of the Site, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys' fees, of every kind and nature. The Customer agrees and undertakes to indemnify and hold Finvasia / Company harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which Jumpp may at any time incur, sustain, suffer or be put to as a consequence of the customer’s gross negligence or willful default mistake/misconduct by the Customer of any of these Terms.

The Customer agrees and undertakes to defend, indemnify and hold Finvasia/ Company, its directors, officers, employees, Affiliates Partners, and Content and Service Providers harmless from any and all claims, liabilities, damages, costs, expenses and proceedings, including reasonable attorneys' fees, arising in any way from your use of the Website or the placement or transmission of any message, information, software or other materials through the Website by you or users of your ID and password or related to any violation of the Terms and Conditions by you or users of your of your ID and password, and any claims dispute or differences between you and any vendor/suppliers for the purpose of this offer.

The existence of a dispute, if any, regarding the prizes under this Offer shall not constitute a claim against Finvasia.

Other Restrictions on Conduct

You shall not assign these Terms or assign any rights or delegate any obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without The Company’s prior written consent. Any such purported assignment or delegation by you without The Company’s prior written consent will be null and void and of no force or effect, unless otherwise expressly consented to by The Company at its sole and absolute discretion.

Severability and Enforceability

If any provision or portion of these Terms is held illegal, invalid, or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms.

Termination/Exclusion

We reserve the right, in our sole discretion, to revoke any and all privileges associated with accessing and/or competing on the Site, and to take any other action we deem appropriate including but not limited to terminating or suspending your use of the Site, for no reason or any reason whatsoever, including improper use of the Site or failure to comply with these Terms.

Choice of Law and Forum

All disputes arising out of or in connection with this offer shall be settled by Arbitration to be held in accordance with the provisions of the Arbitration & Conciliation Act, 1996 and referred to a sole arbitrator to be nominated by the Finvasia. The venue for arbitration shall be Mumbai and subject to the jurisdiction of courts at Mumbai. The existence of a dispute, if any, shall not constitute a claim against Finvasia. Use of the Site is unauthorized in any jurisdiction that does not give full effect to all provisions of these Terms.

BANK FATCA :

I hereby declare that I am a Citizen & National of India and is only taxable in India as per the prevailing tax laws. I hereby declare that the information provided by me is true and I will be liable to inform the Bank within 30 days in case of any changes.

Bank/Finvasia Securities PEP :

I am not a politically exposed person.(Politically exposed persons are individuals who are or have been entrusted with prominent public functions in a domestic / foreign country. Eg. Heads of States / Central Governments, Senior Politicians, Senior government / Judicial / military officers, Senior executives of state owned corporations, important political party Official etc.)

Finvasia Securities FATCA :

I hereby declare than I am not a citizen or tax resident of any country other than India.

Disclosure, Data Privacy and Consents:

The Users agree and authorize Finfutech Solutions Pvt Ltd (The Fintech Entity) and its Jumpp App to disclose, from time to time, any information and data relating to the Users (including personal sensitive data or information or SMS financial information and any information that requires a consent under the Information Technology Act, 2008 and/or any other statute) and/or the Facility and/or other facilities availed by the Users and/or the ‘financial information’ as defined in Section 3(13) of IBC, in or outside India without requirement of any notice or intimation:

• to any of its Affiliates and to any member of Finvasia Group or any of their employees, agents, representatives etc.;
• to third parties engaged by the App or any member of Finvasia Group for purposes such as marketing of services and products;
• to any rating agency, insurer or insurance broker of, or direct or indirect provider of credit protection to the Lender or any member of Finvasia Group;
• to any of the service providers or professional advisers of a member of the Finvasia Group with the rights to further share it with their sub- contractors in any jurisdiction;
• to any credit bureau, database/databanks, corporate, banks, financial institution/s etc.;
• to any Authority or other person as required by Applicable Law;
• to any person pursuant to an order or direction of an Authority;
• to any other person:
• to (or through) whom the Lender Entity assigns or transfers or novates (or may potentially assign or transfer or novate) all or any of its rights and obligations under the Facility Documents/Facility; and/or
• pursuant to the processing or management of data relating to the Facility or the Users; and/or
• as the Fintech Entity or/and its Jumpp App may deem fit.
• In order to provide Investment services through our platform, we may access your existing Shoonya account information with Finvasia Securities Private Limited (‘Shoonya’) where applicable. If you do not have an account with Shoonya, we may collect and share your personal and demographic information with Shoonya to facilitate the creation of a new Shoonya account. Such data sharing will be strictly limited to the purpose of account access or account opening.

1. 1.
   The Users hereby authorise the Fintech Entity to carry out their electronic KYC authentication and to fetch electronic KYC data from Aadhaar data base and/or from any other sources as permitted by Applicable Law.
2. 2.
   The Users hereby provide consent to the Fintech Entity or/and Jumpp App to carry out the KYC/ VKYC and other requisite checks by such processes as may be permissible under Applicable Law including authentication / verification of documents or details submitted for KYC purpose, accessing and procuring data from databases maintained by statutory or other Authority. The users expressly authorise/consent to the Fintech Entity or/and Jumpp App, its various service providers or agents, including for marketing, collections and recovery agents to contact the Users telephonically, through e-mails, telephones, messages, SMS, WhatsApp, RCS,social media channels or any other medium or other applications or otherwise even if the names of the Users appear in the Do Not Call or Do Not Disturb Register to inform the Users about the marketing schemes, various financial and/or investment products and/or offerings of other services, Outstanding’s under the Facility Documents or any other aspect pertaining to any facilities availed or to be availed by the Users. The Users also expressly declare that such e-mails, telephonic calls, messages, SMS, WhatsApp messages etc. from the tele-callers, agents and/or service provider of the Fintech Entity or/and Jumpp App and its associates, affiliates and/or group companies will not cause any inconvenience to them and/or their family members. The Users expressly and irrevocably consent that for any claim against the service providers, the Fintech Entity or/and Jumpp App or/and its associates, affiliates and/or group companies shall not be liable and the claim of the Users (or any of them) on this account shall be against the service providers and/or tele-callers. The Users agree to the use of e-mails, messages, SMS, WhatsApp and/or other applications for communication or sharing of information or documents, agree to abide by the terms and conditions of such applications and agree to the risks associated with such applications or sharing of information through them.
3. 3.
   The Users confirm that they are neither a US person nor a resident for Tax purpose in any country other than India. They are providing the requisite document as proof of tax residency only in India in compliance with FATCA/CRS guidelines. The information provided above is in accordance with Rules 114F to 114H of the Income Tax Rules, 1962 read with section 285BA of the Income Tax Act, 1961.
4. 4.
   Accepting these T&Cs, implies the User expresses consent to be contacted by us (Finfutech Solutions Pvt Ltd), our representatives, affiliates, collection agents or anyone calling on our behalf at any contact number or physical or electronic address provided by the User while registering her/his account on the Jumpp platform. The User further agrees to us for contacting her/him in any manner, including without limitation, emails, SMS messages, WhatsApp, calls using pre- recorded messages or artificial voice, and notifications sent via our mobile application. Further, if at any point of time during or after the service User has any concerns on the continuation of consent provided then she/he can reach out to Grievance Redressal; contact details provided under Grievance Redressal section. The respective team will get back to him/her on related requests and concerns raised. User hereby also agrees that in the condition of discontinuing the consent or withdrawing the consent during the tenure of service for the purpose as mentioned hereinabove, Finfutech Solutions Pvt Ltd reserves the right to stop providing the services for which the said information and/or data was sought.