Terms of Service for Lenders

The following terms & conditions shall be applicable to all lenders on the Rang De P2P platform:

1. The Lender is a registered participant on the Platform and intends to provide a loan to the Borrower.
2. The amount once lent to a Borrower shall only be repaid to the Lender when the Borrower makes a repayment.
3. The Lender undertakes to keep the communication address, contact number, banking details and such other details as may be required by Rang De P2P Financial Services Ltd. updated on the Platform at all times.
4. Rang De P2P Financial Services Ltd. shall give notice to the Lender of any change in the terms and conditions of the Loan including the disbursement schedule, interest rates, other charges, repayment terms etc. The Lender (as the case may be) shall keep himself/herself/itself informed about all such notifications and confirms that he/she/it would be bound by such change, without any dispute.
5. The Tenure of the loan shall be as per the loan details published on the platform and shall commence from the date of disbursal of the Loan Amount to the Borrower.
6. The loan application made by a borrower would stand cancelled, if the minimum loan amount is not raised within the fund raising timeline confirmed in the application form, despite the platform’s best efforts. In such a case, the amount contributed by the Lender would be reflect as a credit in the Lender’s Rang De account which may then be lent to another borrower.
7. The Repayment Installment from the Borrower shall be appropriated first against the interest, then the principal Loan Amount and thereafter against the other charges. However, in the event of a default / delay in payment of the Repayment Installment beyond 90 (ninety) days from the Payment Due Date, any portion of the Outstanding Amounts recovered shall be apportioned first against the principal Loan Amount, followed by the interest and thereafter the other charges.
8. The Terms & Conditions shall remain in full force and effect and shall be binding on the Lender until all Outstanding Amounts are repaid by the Borrower to the Lender. It is clarified that even in the event that Rang De P2P Financial Services Ltd. ceases to do business and/or ceases to operate the Platform, these Terms & Conditions shall continue in full force and effect till the loan outstanding is settled.
9. The Lender hereby confirms that he/she has read, understood and accepted the ‘Pricing Policy’ listed on www.rangde.in.
10. The following acts, as set out below, shall constitute an ‘Event of Default’ by the Borrower:
1. The default in paying the Repayment Installment on or within the Payment Due Date; or
2. Breach of any of the terms and conditions agreed upon; or
3. If any certification or document delivered by the Borrower shall have been proven to be incorrect in any material respect when made; or
4. Breach of any of the terms of use of the Platform; or
5. Occurrence of any fraud, misrepresentation or failure to submit any material information; or
6. Borrower becomes bankrupt or insolvent, voluntarily or involuntarily becomes the subject of proceedings under any bankruptcy or insolvency law; or
7. It is or becomes unlawful for the Borrower to perform any of its obligations under this Agreement; or
8. Death of the Borrower.
11. The Lender hereby authorizes Rang De P2P Financial Services Ltd. to facilitate the recovery of defaulted Outstanding Amounts by the Borrower & take actions as it may deem fit to recover the Outstanding Amounts on his/her/its behalf.
12. Upon the occurrence of an Event of Default as specified above, without prejudice to the other remedies available under law or in equity, the Lender through Rang De P2P Financial Services ltd shall be entitled to exercise the following rights and remedies and may give a notice to the Borrower in this regard to:
1. Terminate this Agreement and
2. Call upon the Borrower to pay the Outstanding Amounts immediately without demand or protest.
13. Rang De P2P Financial Services Ltd. on behalf of the Lender reserves the right to engage one or more persons to collect dues from the Borrower. Rang De P2P Financial Services Ltd. may furnish to such person(s) such information, facts and figures pertaining to the loan, contact details of such Borrower, as it may deem fit to facilitate recovery of Outstanding Amounts from the Borrower.
14. The Lender agrees and understands that Rang De P2P Financial Services Ltd. has the right to report the Borrower to any credit bureau, RBI, or any other regulatory authority for any default on the Outstanding Amounts by the Borrower.
15. The Lender makes the following representations and warranties to the Borrower and Rang De P2P Financial Services ltd,
1. The Lender hereby certifies and warrants that he/she/it have not and shall not lend (in aggregate) in excess of Rs. 10,00,000/- (Rupees Ten Lakhs only) at any point of time, across peer-to-peer lending platforms (including the Platform) in India;
2. The Lender hereby certifies and warrants that he/she/it has not and shall not lend (in aggregate) in excess of Rs. 50,000/- (Rupees Fifty Thousand only) at any point of time, to the same Borrower through any peer-to-peer lending platforms (including the Platform) in India;
3. The Lender hereby certifies that he/she is a major, of sound mind and is capable of entering into this Agreement (whether directly or through his/her power of attorney holder);
4. The Lender agrees and confirms that he/she/it has read, understood and accepted the terms and conditions and undertakes to abide by the terms hereof. The Lender acknowledges that the Loan to the Borrower is an unsecured Loan and that neither the Platform nor RBI guarantees the repayment of the Loan Amount;
5. That all information/ documents furnished by or on behalf of the Lender in connection with providing the Loan, whether prior to the date hereof or contemporaneously with the execution of the Loan Agreement and all information furnished hereinafter, is and will be true, correct and complete;
6. That the Lender shall promptly notify Rang De P2P Financial Services Ltd. on the occurrence of any event which may make any information provided to it untrue or incorrect including any change in personal information or banking details;
7. The Lender agrees that all obligations undertaken thereunder are legal, binding and enforceable;
8. The Lender agrees that he/she/it has understood that the Loan is provided to the Borrower and that he/she/it shall have no claims whatsoever against Rang De P2P Financial Services Ltd. for any reason whatsoever.
16. The Lender hereby covenants that he/she/it:
1. Shall ensure that the Loan Amount provided is raised legally and not through any illegal activity whatsoever and is not counterfeit;
2. Shall promptly notify Rang De P2P Financial Services Ltd., of any change in the Lender’s details such as mobile number, postal address or any other details provided.
3. Shall execute any and all documents, as Rang De P2P Financial Services Ltd. may require, from time to time with respect to the Loan and/or the services provided by Rang De P2P Financial Services Ltd. through its Platform.
4. The Lender agrees to indemnify and hold the other Parties (including Rang De P2P Financial Services Ltd. ) and its affiliates harmless from and against all losses, damages, costs, claims, suits and expenses whatsoever they may at any time incur, sustain, suffer or is likely to suffer in connection with:
1. Any misrepresentation or breach of representation, warranty, covenant or any other provisions of the Loan Agreement; or
2. Any unauthorized use of the Platform
17. In no event shall a Lender be liable to any other for any special, incidental, indirect, punitive or consequential damages whatsoever (including, without limitation, damages of loss of goods or services, loss of business profits, business interruption, loss of information, or any other pecuniary loss)
18. It is understood and agreed between the Parties that in no event (save in the case of proven fraudulent actions) shall Rang De P2P Financial Services Ltd. be liable to the Lender as the case may be, for any loss, expense or claim whatsoever arising out of:
1. The use of, or inability to use or access the Platform or for any virus, bug, unauthorized intervention, defect, technical malfunctioning, temporary disablement, permanent discontinuance of the Platform or for any consequences resulting from such actions, whether or not foreseeable;
2. Acts done by on the instruction of any person impersonating himself/herself as a Lender or as an unauthorized representative of the Lender;
3. The exercise by Rang De P2P Financial Services Ltd. of its right to terminate the functioning of the Platform; or
19. Notwithstanding anything to the contrary contained herein or under any other transaction documents, the provisions of this clause shall survive the termination of the Loan Agreement.
20. Rang De P2P Financial Services Ltd. shall have the paramount right of set-off and lien, irrespective of any other lien or charge, present as well as future, on the deposits of any kind and nature by the Borrower into the Borrower Escrow Account and Rang De P2P Financial Services Ltd. is entitled without any notice to the Borrower or the Lender, to settle any indebtedness whatsoever owed by the Borrower or the Lender (as the case may be) to Rang De P2P Financial Services Ltd. (whether actual or contingent, or whether primary or collateral, or whether joint and/or several).
21. In addition to the above mentioned right or any other right which Rang De P2P Financial Services Ltd. may at any time be entitled whether by operation of law, contract or otherwise, : (a) to combine or consolidate at any time all or any of the accounts and liabilities of the Borrower with or to any other loan availed by the Borrower through the Platform; (b) to institute any judicial proceedings in case of non- payment of outstanding dues by the Borrower
22. The Lender acknowledges and agrees that neither the Reserve Bank of India (RBI) nor Rang De P2P Financial Services Ltd. shall be liable towards the repayment of the Loan Amount nor any of the charges set forth in the Loan Agreement.
23. The Lender acknowledges and agrees that neither Reserve Bank of India (RBI) nor Rang De P2P Financial Services Ltd. shall be liable towards any of the terms and conditions set forth in the Loan Agreement except where specifically mentioned otherwise in the Loan Agreement.
24. All notices, replies, requests, reports, or other communications under the Loan Agreement shall be in writing (including by way of electronic mail), effective upon receipt, on the address notified by the Parties under the Loan Agreement.
25. The Lender shall address their grievances through the grievance redressal mechanism set up by Rang De P2P Financial Services Ltd. through its platform. The grievances raised shall be resolved in accordance with such mechanism established.
26. The Loan Agreement and the rights and obligations of the Lender hereunder shall be construed and governed by the laws of India and the courts of Bengaluru, Karnataka shall have exclusive jurisdiction to try any matter arising out this Agreement.
27. The entire Loan Agreement along with the Terms & Conditions of the Platform contain the entire understanding of the Lender with respect to the subject matter contained herein and supersedes all prior agreements and understandings both oral and written between the Parties with respect to such subject matter.
28. Amendment: No amendment, modification or addition to the Loan Agreement shall be effective or binding upon the Lender unless set forth in writing and executed by them or their duly authorized representatives.
29. Waiver: It is clarified that no failure or delay of the Lender to insist upon the strict performance of any of the terms, conditions and provisions of the Loan Agreement shall be construed as a waiver or relinquishment of future compliance therewith.

Terms of Service for Borrower

The following terms and conditions shall be applicable to all Borrowers on the Rang De P2P platform:

1. The Borrower must be a registered participant on the Platform who wishes to avail the Loan Amount from Lenders.
2. Rang De P2P Financial Services Ltd (hereinafter referred to as “Rang De”) shall reserve the right to process the Loan Application & mere submission of the application shall not guarantee its acceptance or confirmation of raising of the Loan amount.
3. The Borrower accepts that the loan application would stand cancelled, if the minimum loan amount is not raised within the fund raising timeline confirmed in the application form, despite the platform's best efforts.
4. The Borrower hereby gives his/her consent to Rang De in terms of fetching his/her credit report from any of the four authorized credit information bureaus & using it appropriately for processing the loan application.
5. The Borrower is responsible for the accuracy of all personal information and any other information provided at the time of registering on the Platform. It is clarified that Rang De would not be liable in any manner whatsoever for any information uploaded on the Platform by the Borrower.
6. The Borrower undertakes to keep the communication address, contact number, banking details and such other details as may be required by Rang De updated on the Platform at all times.
7. The Borrower understands and agrees that the Loan cannot be cancelled upon going live on the platform for raising the requisite funds in demand.
8. The Tenure of the Loan shall be as per the loan details in the application form and shall commence from the date of disbursal of the Loan Amount to the Borrower.
9. The Borrower shall repay the Loan Amount along with the applicable Interest in the form of EMIs on or within the payment due date.
10. In the event of Repayment instalment not being paid within the Payment Due Date, it shall be construed, as a default on part of the Borrower.The Borrower shall be permitted to foreclose the Loan or make any pre-payment of the Loan Amount prior to the Payment Due Date.
11. Rang De shall give notice to the Borrower of any change in the terms and conditions of the Loan including the disbursement schedule, interest rates, other charges, repayment terms etc. The Borrower (as the case may be) shall keep himself/herself/itself abreast with all such notifications and confirms that he/she/it would be bound by such change, without any dispute.
12. The Borrower may avail the auto debit facility for paying the Repayment instalment. On availing the auto debit facility, the bank account of the Borrower will be debited, for the Repayment instalment on or within the Payment Due Date. In case the Payment Due Date is not a Business Day, the bank account shall be debited on the next business day. The Repayment Installment shall be appropriated first against the interest, then the principal Loan Amount and thereafter against the other charges. In the event of death or insolvency of the Borrower the Outstanding Amount may be recovered from his/her/its legal heir/s, successors, legal representative/s, executor/s, and administrator/s.
13. The Terms & Conditions shall remain in full force and effect and shall be binding on the Borrower until all Outstanding Amounts are repaid by the Borrower to the Lender. It is clarified that even in the event that Rang De ceases to do business and/or ceases to operate the Platform, these Terms & Conditions shall continue in full force and effect.
14. The following acts, as set out below, shall constitute an 'Event of Default' by the Borrower:
    1. The default in paying the Repayment instalment on or within the Payment Due Date; or
    2. Breach of any of the terms and conditions agreed upon; or
    3. If any certification or document delivered by the Borrower shall have been proven to be incorrect in any material respect when made; or
    4. Breach of any of the terms of use of the Platform; or
    5. Occurrence of any fraud, misrepresentation or failure to submit any material information; or
    6. Borrower becomes bankrupt or insolvent, voluntarily or involuntarily becomes the subject of proceedings under any bankruptcy or insolvency law; or
    7. It is or becomes unlawful for the Borrower to perform any of its obligations under this Agreement; or
    8. Death of the Borrower
15. Upon the occurrence of an Event of Default as specified above, without prejudice to the other remedies available under law or in equity, the Lender through Rang De shall be entitled to exercise the following rights and remedies and may give a notice to the Borrower in this regard:
    1. Terminate this Agreement and
    2. Call upon the Borrower to pay the Outstanding Amounts immediately without demur or protest.
16. Rang De on behalf of the Lender reserves the right to engage one or more persons to collect dues from the Borrower. The Lender and/or Rang De may furnish to such person(s) such information, facts and figures pertaining to Loan, contact details of such Borrower, as it may deem fit to facilitate recovery of Outstanding Amounts from the Borrower
17. The Borrower agrees and understands that Rang De has the right to report the Borrower to any credit bureau, RBI, or any other regulatory authority for any default on the Outstanding Amounts by the Borrower.
18. In the event a demand or claim for settlement of the Outstanding Amount to the Borrower is made, either by the Lender or any person acting on behalf of the Lender, the Borrower agrees and acknowledges that such demand or claim shall not be regarded as an act of defamation or an act prejudicial to or reflecting upon the character of the Borrower in any manner.
19. The Borrower makes the following representations and warranties to the Lender and Rang De
    1. The Borrower hereby certifies and warrants that he/she/it have not and shall not avail loans (in aggregate) in excess of Rs. 10,00,000/- (Rupees Ten Lakhs only) at any point of time, across peer-to-peer lending platforms (including the Platform) in India;
    2. The Borrower hereby certifies and warrants that he/she/it has not and shall not avail loans (in aggregate) in excess of Rs. 50,000/- (Rupees Fifty Thousand only) at any point of time, from the same Lender through any peer-to-peer lending platforms (including the Platform) in India;
    3. The Borrower hereby certifies that he/she is a major, of sound mind and capable of entering into this Agreement (whether directly or through his/her power of attorney holder);
    4. The Borrower agrees and confirms that he/she/it has read, understood and accepted the terms and conditions and undertakes to abide by the terms hereof including repayment of all Outstanding Amounts;
    5. Upon the execution of the Loan Agreement, it shall constitute to be a valid, enforceable and legally binding obligation of the Borrower and that by availing the Loan Amount, it creates a relationship of debtor and creditor between the Borrower and the Lender;
    6. That all information/ documents furnished by or on behalf of the Borrower in connection with obtaining the Loan, whether prior to the date hereof or contemporaneously with the execution of the Loan Agreement and all information furnished hereinafter, is and will be true, correct and complete and that such information shall not have any adverse effect on the repayment of the Loan Amount or any charge applied thereof;
    7. That the Borrower shall promptly notify the Lender and/or Rang De on the occurrence of any event which may make any information provided to them untrue or incorrect including any change in personal information or banking details;
    8. That all persons authorized to act on behalf of the Borrower are true and bona fide. The Borrower agrees that all obligations undertaken thereunder are legal, binding and enforceable;
    9. The Borrower agrees that he/she/it has understood that the Loan is availed from the Lender and that he/she/it shall have no claims whatsoever against Rang De for any reason whatsoever.
20. The Borrower hereby covenants that he/she/it shall:
    1. Ensure timely payment of all Outstanding Amounts within the Payment Due Date;
    2. Utilize the Loan Amount solely for the Purpose and not use it for any other purpose.
    3. Utilize the Loan Amount for legal purposes and shall refrain from entering into any activity that shall be deemed illegal or partake in activities restricted by law and/or for any anti-social purpose.
    4. Promptly notify the Lender and/or Rang De, of any change in the Borrower's details such as mobile number, postal address or any other details provided.
    5. Execute any and all documents, as the Lender and/or Rang De may require, from time to time with respect to the Loan.
21. The Borrower agrees to indemnify and hold the other Parties (including Rang De ) and its affiliates harmless from and against all losses, damages, costs, claims, suits and expenses whatsoever they may at any time incur, sustain, suffer or is likely to suffer in connection with:
    1. Any misrepresentation or breach of representation, warranty, covenant or any other provisions of the Loan Agreement; or
    2. Any unauthorized use of the Platform.
22. In no event shall a Borrower be liable to any other for any special, incidental, indirect, punitive or consequential damages whatsoever (including, without limitation, damages of loss of goods or services, loss of business profits, business interruption, loss of information, or any other pecuniary loss).
23. It is understood and agreed between the Parties that in no event (save in the case of proven fraudulent actions) shall Rang De be liable to the Borrower as the case may be, for any loss, expense or claim whatsoever arising out of:
    1. The use of, or inability to use or access the Platform or for any virus, bug, unauthorized intervention, defect, technical malfunctioning, temporary disablement, permanent discontinuance of the Platform or for any consequences resulting from such actions, whether or not foreseeable;
    2. Acts done by on the instruction of any person impersonating himself/herself as a Borrower or as an unauthorized representative of the Borrower;
    3. The exercise by Rang De of its right to terminate the functioning of the Platform; or
24. Notwithstanding anything to the contrary contained herein or under any other transaction documents, the provisions of this clause shall survive the termination of the Loan Agreement.
25. Rang De shall have the paramount right of set-off and lien, irrespective of any other lien or charge, present as well as future, on the deposits of any kind and nature by the Borrower into the Borrower Escrow Account and Rang De is entitled without any notice to the Borrower or the Lender, to settle any indebtedness whatsoever owed by the Borrower or the Lender (as the case may be) to Rang De (whether actual or contingent, or whether primary or collateral, or whether joint and/or several).
26. In addition to the above mentioned right or any other right which Rang De may at any time be entitled whether by operation of law, contract or otherwise,: (a) to combine or consolidate at any time all or any of the accounts and liabilities of the Borrower with or to any other loan availed by the Borrower through the Platform; (b) to institute any judicial proceedings in case of non- payment of outstanding dues by the Borrower.
27. The Borrower undertakes and acknowledges that Rang De shall, be entitled to disclose all or any information related to the Borrower, Loan, and/or liabilities/obligations of the Borrower under the Loan Agreement to any credit bureaus, to Reserve Bank of India (“RBI”) and/or to any other regulatory authorities.
28. The Borrower agrees and confirms that Rang De may also disclose any of the aforesaid information to the Lender and/or to its employees, representatives, service providers for the facilitation of the services to the Borrower through the Platform and for the purposes of the Loan Agreement including but not limited to (a) collection of documents/ information of the Borrower; (b) verification of information / documents of the Borrower; (c) procuring of credit score/ rating of the Borrower from Credit Information Companies (CIC) and sharing of such information with the potential Lenders and sharing of repayment information relating to the Loan with such CICs and other agencies authorized by the Reserve Bank of India.
29. The Borrower expressly accepts and authorizes Rang De (and/or any such third party as Rang De may appoint from time to time) on behalf of the Lender to contact third parties (including the family members of the Borrower) and disclose all necessary or relevant information pertaining to the Borrower and the Loan, and the Borrower hereby consents to such disclosure Rang De to the Lender (and/or any such third party as the Lender may appoint).
30. The Borrower acknowledges and agrees that neither the Reserve Bank of India (RBI) nor Rang De shall be liable towards the repayment of the Loan Amount nor any of the charges set forth in the Loan Agreement.
31. The Borrower acknowledges and agrees that neither Reserve Bank of India (RBI) nor Rang De shall be liable towards any of the terms and conditions set forth in the Loan Agreement except where specifically mentioned otherwise in the Loan Agreement.
32. The Parties shall address their grievances through the grievance redressal mechanism set up by Rang De through its platform. The grievances raised shall be resolved in accordance with such a mechanism established.
33. This Agreement and the rights and obligations of the Parties hereunder shall be construed and governed by the laws of India and the courts at Bengaluru, Karnataka shall have exclusive jurisdiction to try any matter arising out of this Agreement.
34. All notices, replies, requests, reports, or other communications under the Loan Agreement shall be in writing (including by way of electronic mail), effective upon receipt, on the address notified by the Parties under the Loan Agreement.
35. Entire Loan Agreement along with the Terms & Conditions of the Platform contains the entire understanding of the Parties with respect to the subject matter contained herein and supersedes all prior agreements and understandings both oral and written between the Parties with respect to such subject matter.
36. Amendment: No amendment, modification or addition to the Loan Agreement shall be effective or binding upon any Party unless set forth in writing and executed by them or their duly authorized representatives.
37. Waiver: It is clarified that no failure or delay of any Party to insist upon the strict performance of any of the terms, conditions and provisions of the Loan Agreement shall be construed as a waiver or relinquishment of future compliance therewith.

Website terms of use

Key Terms:

• The term 'User' or 'You' (and its grammatical variations) shall refer to (or be in relation to) the person who browses the site. The term 'Rang De' shall refer to Rang De P2P Financial Services Ltd., registered as a Non-Banking Financial Company – P2P with RBI, having its office at WeWork, Salarpuria Symbiosis, Begur Hobli, Bannerghatta Main Road, Arekere, Bengaluru, Karnataka - 560076. The term 'Site' refers to https://rangde.in/owned and managed by Rang De.

Acceptance of Terms of Use:

• This Site is offered to You conditioned on Your acceptance without modification of the terms, conditions, and notices contained herein. By using the Site, You agree to follow and be bound by the terms and conditions contained herein, concerning Your use of the Site. Rang De may revise the Terms of Use at any time without notice to You. Areas of the Site may have different terms of use posted. If there is a conflict between the Terms of Use and terms of use posted for a specific area of the Site, the latter shall have precedence with respect to Your use of that area of the Site.

Use of the Site:

1. The information in the various pages of the Site, unless otherwise indicated, is issued by the Rang De, for general distribution. Unless indicated otherwise, Rang De has the exclusive copyright for all such information.
2. As a condition of Your use of the Site, You will not use the Site for any purpose that is unlawful or prohibited by these Terms of Use. You may not use the Site in any manner that could damage, disable, overburden, or impair any website, including those of Rang De, or the network(s) connected to the Site or interfere with any other party's use and enjoyment of any website. You may not attempt to gain unauthorised access to any website, other accounts, computer systems or networks connected to the Site, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Site.
3. Rang De may terminate the User's access at any time for any reason. The Clauses relating to 'No representation or warranty' (Clause 7), 'Disclaimer of Liability' (Clause 8), 'Limitation of Liability' (Clause 10), 'Indemnity' (Clause 11), and 'Governing Law and Jurisdiction' (Clause 13) shall survive the termination of the User’s access by Rang De.

Rang De's rights on the Site's content:

1. All contents present on this Site are the exclusive property of Rang De. The software, text, images, graphics, video and audio used on this Site belong to Rang De. No material from this Site may be copied, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form without prior written permission from Rang De, except that Rang De grants You non-exclusive, non-transferable, limited permission to access and display the web pages within this Site, solely on your computer and for your personal, non-commercial use of this Site. This permission is conditioned on (i) Your not modifying the content displayed on the Site, (ii) Your keeping intact all copyright, trademark and other proprietary notices, (iii) Your acceptance of any terms, conditions and notices accompanying the content or otherwise set forth in this Site, (iv) Your agreeing to acknowledge Rang De as the source, citing the uniform resource locator (URL) of the page from which the information has been taken.
2. Reproduction or translation of substantial portions of the Site, or any use other than for educational or other non-commercial purposes, require explicit, prior authorization in writing. Applications for permission and enquiries, with necessary details, should be addressed to the [email protected] for the page used. Notwithstanding the foregoing, any software and other materials that are made available for downloading, access or other use from this Site with their own license terms, conditions, and notices will be governed by such terms, conditions and notices.
3. Your failure to comply with the terms, conditions and notices on this Site will result in automatic termination of any rights granted to you, without prior notice, and you must immediately destroy all copies of downloaded materials in Your possession or control. Except for the limited permission in Clause 4 of these Terms of Use, Rang De does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this Site on another website or in any other media. Unauthorised use of the materials appearing on this site may violate copyright, trademark and other applicable laws, and could result in criminal or civil penalties.

Trademark:

• ‘Rang De' is a registered trademark of Rang De P2P Financial Services Ltd. All content, material, services marks, trade names including but not limited to the software, text, images, graphics, scripts contained on the Site alongwith the registered trademark are proprietary property of the Rang De P2P Financial Services Ltd. (“Proprietary Information”). This Proprietary Information may not be used, copied, downloaded, reproduced, modified, republished, uploaded, posted, transmitted or distributed in any manner without prior written consent from Rang De and nothing on this Site shall be deemed to confer a license of or any other right, interest or title to or in any of the intellectual property rights belonging to the Rang De, to the User. All trademarks, copyright, logos, service marks and other intellectual property owned by any third parties shall continue to vest with such party and You are not permitted to use the same without the consent of the respective third party.

Linking to this site:

• All links to this Site must be approved in writing by Rang De, except that Rang De consents to links in which the link and the pages that are activated by the link do not (i) create frames around any page on this Site or use other techniques that alter in any way the visual presentation or appearance of any content within this site; (ii) misrepresent Your relationship with Rang De; (iii) imply that Rang De approves or endorses You, Your website or Your service or product offerings; and (iv) present false or misleading impressions about Rang De or otherwise damage the goodwill associated with Rang De's name and/or trademarks. As a further condition to being permitted to link to this site, You agree that Rang De may at any time, at its sole discretion, terminate permission to link to this website. In such event, You agree to immediately remove all links to this website and to cease using any trademarks owned by Rang De.

No representation or warranty:

1. Rang De does not make any warranties, explicit or implied, including those of merchantability and fitness for a particular purpose, with respect to any information, data, statements, products or services made available on the Site.
2. The Site, and all content, materials, information, software, products and services provided on the Site, are provided on an "as is" and "as available" basis. Rang De expressly disclaims 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.
3. Rang De makes no warranty that: (i) the Site will meet Your requirements; (b) the Site will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Site or any services offered through the Site will be accurate or reliable.

Disclaimer of Liability:

1. Rang De shall have no responsibility for any damage to the User's computer system or loss of data that results from the download of any content, materials, and information from the Site. Rang De provides no assurances that any reported problems will be resolved by Rang De, even if Rang De elects to provide information with the goal of addressing a problem.
2. If the Site provides links to websites and access to content, products and services from third parties, including users, advertisers, affiliates and sponsors of the Site, the User agrees that Rang De is not responsible for the availability of, and content (including any tracking tools, such as cookies, enabled by such linked websites to collect information about computers used to view or interact with their advertisements) provided on, third party websites. The User is requested to peruse the policies posted by other web sites regarding privacy and other topics before use. Rang De is not responsible for third party content accessible through the Site, including opinions, advice, statements and advertisements, and the User shall bear all risks associated with the use of such content. Rang De is not responsible for any loss or damage of any sort which the User may incur from dealing with any third party.
3. Rang De shall not be liable, in any manner whatsoever, for any use of information that may be posted by the User about himself or about any other person, if such information is accessible by any other User. Rang De may not be able to control or restrict the viewing of the content that has been posted on the Site by any User.
4. Unless specified otherwise, the mention of specific companies, firms, manufacturers or other business enterprises or their products or services does not imply that they are endorsed or recommended by Rang De in preference to others of a similar nature that are not mentioned.

Change in Terms of Use:

• Rang De may change or discontinue any aspect of its website at any time, including, its content or features. Rang De reserves the right to change the terms and conditions applicable to use of the Site. Such changes shall be effective immediately upon notice, which shall be placed on the Site.

Limitation of Liability:

• In no event will Rang De be liable for damages of any kind, including without limitation, direct, incidental or consequential damages (including, but not limited to, damages for lost profits, business interruption and loss of programs or information) arising out of the use of or inability to use the Site, or any information provided on the Site, or in the products or services, any claim attributable to errors, omissions or other inaccuracies in the products or services or interpretations thereof. Some jurisdictions do not allow the limitation or exclusion of liability. Accordingly, some of the above limitations may not apply to the User.

Indemnity:

• The User agrees to indemnify, defend and hold Rang De harmless from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, arising out of or relating to any misuse by the User of the content and services provided on the Site.

User's right to privacy:

1. Rang De may collect information that can identify You ("Personal Information"), such as Your name and email address, Your preferences, Your phone numbers, when You (or other users) provide it to Rang De while visiting the Site or in some other manner. Rang De may also collect other types of information, when You visit the Site, in, inter alia, the following manner: by collecting the information, such as Your IP address, your browser type, date and time of Your visit; for the purpose of tracking Users' movements around the Site and understanding usage trends. By assigning one or more cookies to Your computer, which may collect information to facilitate access to the Site and to personalise Your online experience.
2. The User's right to privacy is of paramount importance to Rang De. Any information provided by the User will not be shared with any third party. However, Rang De reserves the right to use the Personal Information to provide the User a more personalised online experience.

Governing Law and Jurisdiction:

• The laws of India govern this agreement. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Bengaluru, Karnataka, India in all disputes arising out of or relating to the use of the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Miscellaneous:

• This agreement constitutes the entire agreement between the user and Rang De with respect to the Site and save as provided in Clause 2, it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Rang De with respect to the Site.