1. DEFINITIONS

“Credit Bureaus” shall mean and include all or any Credit Information Companies, its affiliates and suppliers with whom Paytm has partnered for providing the said “Service” and shall deem to include any credit bureaus that it would partner with / change / add / substitute from time to time, currently or any time in future, for providing the said “Service”.

Credit Information means collectively the Credit Information Report, Credit Score and Credit Data Analysis Deliverables;

Credit Information Report means the credit information reports which shall be generated by the Credit Bureaus by using their tools, algorithms and devices including, but not limited to, the credit history, the credit behaviour of the Individual Consumer or any other information provided in such credit information report which is construed as credit information as defined under the credit information laws, as may be provided at the sole discretion of the Credit Bureaus;

Credit Score means the score which shall be set out in the Credit Information Report and the Credit Data Analysis Deliverables including such credit scores constituting credit scoring as defined in the credit information laws, as may be provided at the sole discretion of the Credit Bureaus, by using their tools, algorithms and devices;

Credit Data Analysis Deliverables means the Credit Score, inferences, rule sets in relation to the Credit Information of the Individual Consumer computed by the Credit Bureaus by using their tools, algorithms and devices including, but not limited to, the credit history, the credit behaviour of the Individual Consumer and any other information provided in such Credit Information Report and sent to the Paytm Platform, and, the Individual Consumer s e-mail, with appropriate aggregations;

Paytm Platform means the Paytm website located at paytm.com, and all associated sites linked to paytm.com, or the Paytm mobile application or any similar platform;

End User Permitted Purpose means use of the Credit Information being provided by the Credit Bureaus to Paytm in the capacity of your authorized representative for the purpose of providing you access to the said Credit Information and targeted offers and/or for the purpose of your ongoing assessment by Paytm or by Paytm Partner Banks/NBFCs or Paytm’s group companies / associates (“Paytm’s Affiliates”) and business partners, to provide you with personalized offers and products, pursuant to the your consent and Authorization.

Unless otherwise specifically defined in these Paytm Credit Information T&Cs, the capitalized words and expressions used in these Paytm Credit Information T&Cs but not defined herein shall have the meaning assigned to them in the privacy policy, or the general terms and conditions as available on the Paytm website.

2. REGISTRATION AND AUTHENTICATION

You agree that by clicking on Proceed or Submit and by providing your details on Paytm Platform you have requested for availing the Service and have provided your unconditional and unequivocal consent for appointing One97 Communications Limited (“One97”/”Paytm”) as your authorized representative for sharing your details provided by you on the Paytm Platform with the Credit Bureaus and obtaining your Credit Information from the Credit Bureaus for End User Permitted Purpose, as more particularly captured in these Credit Information and Loan referral T&Cs ( Authorization ).

By appointing Paytm as your authorized representative you hereby unequivocally and unconditionally authorize Paytm to instruct the Credit Bureaus, their affiliates and suppliers, to obtain, receive and compile your Credit Information on your behalf and share the same with Paytm on an on-going basis as and when instructed by Paytm, for the End User Permitted Purposes. You agree and accept that this Service is being provided to help you better understand your Credit Information and/or to provide you with targeted/personalized offers for products and services as per End User Permitted Purpose. You hereby expressly grant unequivocal and unconditional consent to, and direct, the Credit Bureaus to deliver and/or transfer your Credit Information to Paytm on your behalf.

You hereby authorize Paytm to do all of the following in connection with providing you the Services: (i) verify your identity and share with the Credit Bureaus certain personal identifiable information about you; (ii) request and receive your Credit Information from the Credit Bureaus , including but not limited to a copy of your Credit Information Report, your Credit Score at any time or multiple times, notwithstanding no Request has been raised by you for the same, till your account with Paytm is de-activated either by yourself or by Paytm, or, till the time you make a request with Paytm to opt out of this Service, whichever is earlier; (iii) retain a copy of your Credit Information, along with the other information you have given Paytm access to under this Authorization, for use in accordance with these Credit Information and Loan Referral T&Cs. In this context, you agree that should you express your interest to avail any personalized offers, Paytm shall contact you through message, SMS or voice and the same shall not be regarded as unsolicited commercial communication. You further agree that Paytm may use and analyse your Credit Information and other details provided by you on the Paytm Platform to provide you with customized recommendations, general information and personalized offers of the products and services of Paytm and/or its business partners. Paytm may send you such offers via email, text or online display or other means of delivery in Paytm’s reasonable sole discretion.

You agree and hereby give your specific consent for the Authorization and the consent provided by you under these Credit Information and Loan Referral T&Cs to be shared by Paytm with the Credit Bureaus or Banks/NBFCs or Paytm’s affiliates / business partners, as Paytm may deem fit in its sole discretion for End Use Permitted Purpose. You agree and acknowledge that the Services shall be provided to you in the manner consistent with the terms and conditions of the arrangement between Paytm and the Credit Bureaus and/or Banks/NBFCs. You agree that you shall be required to enter your details as requested by Paytm on the Paytm Platform at the time of Authorization and every time when you make a request for your Credit Information or every time you opt for any loan facility from Banks/NBFCs or Paytm’s business partners. You provide your unconditional and unequivocal consent to Paytm to share these details provided by you with the Credit Bureaus and Banks/NBFCs or Paytm’s affiliates / business partners, for the purpose of providing you with the Services. You agree that your Credit Information may be requested by you on the Paytm Platform any time, till your account with Paytm or this Service is de-activated either by Paytm or by yourself, or, till the time you make a request with Paytm to opt out of this Service, whichever is earlier. You hereby agree that your Authorization shall be contiguous with your account with Paytm, which will enable Paytm to provide you with your Credit Information from time to time and the consent provided by you shall be valid as long as you have an active account with Paytm.

You further agree that Paytm may at its sole discretion provide you with the option of availing various loan facilities from different partner Banks/NBFCs. By opting for such loan services and by furnishing your personal/contact details on the Paytm Platform as required by Paytm, you hereby agree that you are interested in availing the said loan facilities from the Bank/NBFC selected by you. You hereby agree that Paytm or the Bank/NBFC selected by you, can contact you either electronically or through phone, to understand your interest in the selected loan products and to fulfil your demand or complete your application or solicit related products to you. You specifically understand and agree that by using the Paytm Platform you unconditionally authorize Paytm, its affiliates and Banks/NBFs to contact you for any follow up calls in relation to the loan facility opted by you. You expressly waive the Do Not Call registrations on your phone/mobile numbers for contacting you for this purpose. You also unconditionally authorize Paytm to share your details with third parties/partners, including but not limited to the Bank/NBFC selected by you, and you can be contacted by the third parties/partners, including but not limited to the Bank/NBFC selected by you, for information and for sales through email, telephone and/or SMS.

You hereby unconditionally authorize Paytm to share the details provided by you on the Paytm Platform, including but not limited to your Personal Information and Sensitive Personal Information or Data with the Bank/NBFC selected by you for processing your request for the grant of the loan facility offered herein and with Paytm’s affiliates, business partners and other third parties, for providing you with targeted offers. For the purpose of these Credit Information and Loan referral T&Cs, the terms “Personal Information” and “Sensitive Personal Information” shall have the same meaning as ascribed to them in the Information Technology (Reasonable Security Practices and Procedures and Sensitive personal data or Information) Rules, 2011.

Your agree and acknowledge that the display of loan or other financial products, offered by third parties, on the Paytm Platform does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of Paytm against such third parties or their financial/loan products. You agree that Paytm is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction and any sharing of your data/information/Sensitive Personal Information, including but not limited to your PAN information, with any third party accessed through the Paytm platform is at your own risk, and Paytm will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties, including but not limited to the Bank/NBFC selected by you, or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

You agree and acknowledge that the provision of loan/finance shall be at the sole discretion of the third party, including but not limited to Bank/NBFC selected by you, while making any application through the Paytm Platform for a financial product offered by such Bank/NBFC; Paytm shall not be held liable for any delay, rejection or approval of any application made through its Paytm Platform.

3 .YOUR ACCOUNT

To avail the Service, you must be having a valid account with Paytm, or, must create a valid account with Paytm. By registering with Paytm, you agree and certify that:

You are 18 years of age or older

• Any information you provide to us, both when you register and in the future, is and will be true, accurate, current and complete

• You are only registering an account for yourself and agree not to use, or, attempt to use, the Service to obtain/receive any Credit Information about any other person than you

• You will keep all information up to date

• You have registered on the Paytm Platform and have chosen to avail the Service voluntarily and at your free will for your own benefit and Paytm has not made any promises or representations to you in order to induce you to grant your consent or Authorization under these terms and conditions, including but not limited to, consent for sharing your personal identifiable information with the Credit Bureaus.

You agree and acknowledge that you are solely responsible for maintaining the confidentiality of your Paytm account, including but not limited to your login ID and password, your Credit Information and for restricting access to your device ( Device ) through which the Paytm Platform and/or your Credit Information can be accessed. It is your responsibility to protect your Device from any harmful and destructive software, programs, code including but not limited to viruses that could result in the breach of confidentiality of your Paytm account or your Credit Information. You agree to accept responsibility for all activities that occur under your account or password including any request from your account. You agree to notify Paytm immediately of any unauthorized use of your account or any other breach of security. Paytm reserves the right to refuse service, terminate accounts, in its sole discretion. Notwithstanding the above, Paytm retains the right at its sole discretion to deny access to anyone to the Paytm Platform and the Services that are offered on the Paytm Platform, at any time and for any reason, including, but not limited to, for violation of these Credit Information and Loan Referral T&Cs, or of the Paytm Website and SSO-ID Terms & Conditions , or, of the Paytm s Privacy Policy, as appearing on the Paytm website. You agree and acknowledge that the terms and conditions of The Credit Bureaus shall also apply to your use of this Service.

4. SUSPENSION/TERMINATION AND DEACTIVATION OF YOUR ACCOUNT

Paytm may suspend or terminate your account or your use of the Service at any time without notice, if Paytm suspects that any information / documents that you have provided are untrue, inaccurate, not current, or incomplete or if is suspects that you are in breach of any of these Credit Information and Loan Referral T&Cs, or of the Paytm Website and SSO-ID Terms & Conditions , or, of the Paytm s Privacy Policy, as appearing on the Paytm website. Further, Paytm reserves the right to withdraw, discontinue or stop the provision of this Service, at any time, at sole discretion of Paytm and your use of such Service shall automatically terminate/end ( Termination ).

Notwithstanding anything captured in these Credit Information and Loan Referral T&Cs, any clause of these T&Cs that by its nature is intended to survive the Termination shall survive such Termination.

Upon Termination, your right and license to access and/or use the Service immediately ceases. If the Termination involves the termination of your account with Paytm, your User ID shall be deactivated and you will no longer be able to access or use the Service. Further, your personal information that is in the possession of Paytm will be dealt with in accordance with our Privacy Policy.

5. DISCLAIMER OF WARRANTIES AND LIABILITY

This Service is for informational purposes only and is intended to provide helpful and informative material on the subjects addressed. Paytm does not control your Credit information, Credit Information Report and Credit Score, which is a statistical analysis of information contained in your credit file as maintained in the system and database of The Credit Bureaus and we cannot change that information for you. However, if information in your report is inaccurate and is affecting your score, you have the right to dispute it by directly with The Credit Bureaus through their website.

Credit Information and/or services offered under the Services on the Paytm Platform are provided "as is" without any express or implied warranty of any kind, including warranties of correctness, completeness, accuracy, merchantability, fitness for a particular purpose, or non-infringement. In no event shall Paytm be liable to any party for any damages of any kind, including but not limited to direct, indirect, special or consequential damages arising out of the use or inability to use the Credit Information, the Paytm Platform, or any linked web site, or arising out of the loan facility granted/not granted or any other action by any partner bank/NBFs or services provided / not provided or any other action by Paytm’s affiliates or business partners, including without limitation, lost profits, loss of use, business interruption, or other economic losses, loss of programs or other data, whether in an action of contract, negligence or other action, even if Paytm is advised of the possibility of such damages.

You agree and acknowledge that information and content, including but not limited to the Credit Information, provided on or through the Paytm Platform and the Individual Consumer s access of the Paytm Platform does not create a client-consultant or any other professional relationship between you and The Credit Bureaus or between you and Paytm. By providing you with the Services on the Paytm Platform, The Credit Bureaus or Paytm is not engaged in rendering any industry-related, legal, accounting, tax, consulting, investment or other professional advice or services to you or any other party. The information and content, including but not limited to the Credit Information, provided on or through the Paytm Platform is not intended to be relied upon for making business, investment or other decisions.

You agree and acknowledge that you are availing this Service on our own free-will and risk and neither Paytm nor The Credit Bureaus, shall be liable for any loss or damage resulting from your availing the Services on the Paytm Platform, or, otherwise from the use of the Paytm Platform, or, from the use of the Credit Information provided by The Credit Bureaus through the Paytm Platform. You hereby agree and acknowledge, that the sharing of your Credit Information by The Credit Bureaus with Paytm in relation to the Services being availed by you on the Paytm Platform is only upon your request and consent and convenience and does not imply any affiliation, endorsement, approval, investigation, verification or monitoring by The Credit Bureaus or Paytm of any content or information, including but not limited to the Credit Information, contained within or provided by The Credit Bureaus from the Paytm Platform. You acknowledge that neither The Credit Bureaus nor Paytm, control the accuracy, completeness, timeliness or appropriateness of the content or information, including but not limited to the Credit Information, provided by The Credit Bureaus through the Paytm Platform.

6. LIMITATIONS AND RESTRICTIONS ON USE OF THE SERVICE

You agree to use the Service only to access your Credit Information and agree to provide your true, accurate and current information such as your full name, date of birth, address of residency, PAN number, mobile number and any other information as sought for in the Paytm Platform while raising a request for your Credit Information on the Paytm Platform ( Request ). The Service provided herein is subject to you providing your true and accurate information while raising the Request and providing all the required documents, if any, as requested by Paytm. Each Request shall be for the Credit Information of one person only and an Individual Consumer can raise a Request for his Credit Information only, even if he has access to the personal details of any other consumer or an authorization from any other consumer, including, but not limited to his siblings, spouse, parents, relative, etc. There may be a failure to process a Request by Paytm or by The Credit Bureaus in the event the particulars, details and/or the documents, furnished by you, do not match the information existing with The Credit Bureaus and/or Paytm, for any reason whatsoever, including but not limited to, data not accepted by the data collection system maintained by The Credit Bureaus or Paytm or incomplete upload of data provided by you in relation to this Service. There may also be a failure to process your Request if the authentication process as may be prescribed by Paytm is not successfully completed. Paytm shall inform you of such failures.

Any analysis and estimates provided by Paytm as part of the Services are for illustrative and informational purposes only. The analysis and estimates are based on certain assumptions and use only available with The Credit Bureaus. The analysis and estimates, referred to herein, are neither endorsed by, nor commissioned by Paytm or The Credit Bureaus or any of Paytm s marketing partners. The methodology which Paytm uses to determine which offers, analysis, or other information is presented or highlighted is proprietary and Paytm may elect to consider, ignore, emphasize, or de-emphasize certain factors in its sole and absolute discretion.

Paytm does not guarantee that the information Paytm present s as part of our Services, including but not limited to the Credit Information, Credit Information Report or Credit Score, is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service.

7. CONFIDENTIALITY

Since it affects your use of the Services, please review our Paytm Website and SSO-ID Terms & Conditions and Paytm s Privacy Policy, as appearing on the Paytm website. Paytm collects, uses and discloses information about you as provided in Paytm s Privacy Policy. Paytm s Privacy Policy is incorporated into these Paytm Credit Information and Loan Referral T&Cs by way of reference, and you agree to accept the terms of the Privacy Policy as a condition to your acceptance of these Paytm Credit Information and Loan Referral T&Cs.

Paytm shall use all reasonable physical, administrative, technical and organizational measures to help protect your Personal Data from any loss, unauthorized access or use, or modification or disclosure thereof. Paytm will not share your Personal Data including but not limited to your Credit Information except (1) as necessary for us to process your Request, (2) as permitted by law, and (3) as required by the government, law enforcement or an order of the court. Paytm shall not be liable for any wrongful disclosure of your Personal Data, including but not limited to your Credit Information, except where such disclosure is due to any act or omission directly attributable to Paytm.

8. INDEMNIFICATION

You agree to indemnify, defend and hold harmless Paytm, the Credit Bureaus and their affiliates, their respective officers, directors, employees, agents, licensors and suppliers, and any third party providers of information to this Service, from and against any and all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from your use the Services or your violation of these Credit Information and Loan Referral T&Cs or any other terms and conditions applicable to Service, or your violation of the intellectual property rights of Paytm, The Credit Bureaus, or any other party or from any third party claims from or in connection with your Authorization or use of your Credit Information.

9. LINKS TO OTHER WEB SITES

For purposes of convenience, Paytm's site contains links to third party web sites. Paytm makes no representations or warranties about any third party web site that you may access through the links. By providing a link to those web sites, Paytm does not endorse, adopt, or otherwise accept any responsibility for the content or use of those web sites.

10. COMPLIANCE, APPLICABLE LAWS AND JURISDICTION

You must comply with all applicable laws when using the Services. You are not permitted to use the Services to obtain any Credit Information, Credit Score or Credit Information Report under any false pretences or in violation of applicable laws. You agree to indemnify and hold harmless Paytm, or any of its officers, directors, employees, agents, licensors and suppliers, and any third party providers of information to this Service, from any claims or Losses, if it is subsequently found that the Credit Information, Credit Score or the Credit Information Report was obtained by you under any false pretences or was in violation of nay applicable law.

These Credit Information and Loan Referral T&Cs shall be governed by and understood in accordance with laws of India and Courts in the city of New Delhi will have exclusive jurisdiction in regard to any dispute arising thereof.

11. OTHER TERMS AND CONDITIONS

The terms and conditions mentioned herein, including the Credit Information and Loan Referral T&Cs may be modified by Paytm in its sole discretion from time to time.

• The rights granted in this arrangement and agreed by you through these Credit Information and Loan Referral T&Cs are personal. You may not assign, sub-license or otherwise transfer any of your rights under these Credit Information and Loan Referral T&Cs.
• If a court finds any part of these Credit Information and Loan Referral T&Cs to be invalid, the remaining parts of these conditions shall continue unaffected.
• If Paytm fails to exercise any right or legal remedy available to Paytm against you, any such failure shall not prevent Paytm from relying on these at a later date.
• Headings in these terms and conditions are for convenience only and will have no legal meaning or effect.

12. ADDITIONAL TERMS

In addition, by agreeing to be bound by these Credit Information and Loan Referral T&Cs, your also agree and acknowledge that the use of this Service shall also be governed by the Terms & Condition and the Privacy Policy of One97 available on the Paytm website and of the Credit Bureaus available on the web-sites of the Credit Bureaus (http://www.experian.in/terms-conditions) to which you agree to be bound with.

13. CONTACT US DETAILS

In case of any queries with respect the Services, please visit the 24*7 Help section on the Paytm website or mobile app.

You hereby represent and acknowledge that you have carefully read and understood these Credit Information and Loan Referral T&Cs in relation to the Paytm Credit Information and Loan Referral Services being availed by you and you hereby provide your acceptance to the same.

1. One97 Communications Limited (“One97”/”Paytm”) is the owner of the website situated at “www.paytm.com”, the Paytm mobile application and the “Paytm for business” mobile application (hereinafter referred to as the “Paytm Platform”). Paytm Platform shall include, but not limited to, any other websites or mobile applications that may be owned/operated by One97 from time to time.
2. One97 has entered into arrangement with several Financial Entities and other non-Financial Entities (collectively referred to as “Entity”/”Entities”) to bring loan offers (“Loan”/”Loan Facility”) for its merchants and for the registered users of the Paytm Platform (collectively referred to as “Customers”/”You”/”Your”/”Yourself”). This Terms and Conditions are applicable for the Customers who have demonstrated their interest to One97 for availing Loan from such Entities either through sms, or phone call or through the Paytm Platform or through any other means. Please read the terms and conditions carefully before applying for the Loan Facility herein. If You do not agree with any the terms and conditions herein, You should not apply for the Loan Facility herein. By applying for the Loan Facility herein, You agree and accept to be bound by the terms and conditions set out herein.
3. Notwithstanding anything contained in the Privacy Policy of One97 as provided for and as may be updated from time to time on the Paytm Platform, including but not limited to “www.paytm.com”, You hereby demonstrate Your interest for availing the Loan, and hereby give Your absolute consent to One97 to share the following personal information about Yourself to the Entities who shall be providing the Loan Facility to You :
   • Contact information such as Your name, mailing address, email address, telephone number etc;
   • PAN, Date of Birth & Proof of address, constitution documents and other KYC details & documents of the Your, as my be prescribed by One97.
   • Transaction information details of Yourself on the Paytm Platform.
   • Financial and Bank Account details

   In case of the Customer being a merchant of One97, constitution documents of the merchant and other KYC documents available with One97.

4. In order to provide the Customer’s bank statement or pay slip electronically along with the loan application, the agrees and acknowledges to provide his third-party account credentials ("Account Credentials") to allow One97 to retrieve his account data at those other financial institutions ("Account Information"). The Customer understands that the Account Credentials are only used once to retrieve the Customer’s bank statements/pay slips, Form 26 AS and are not stored in the system of One97. However, One97 shall not be liable to the Customer against any liability or claims which may arise out of such transactions being carried on the Customer’s own accord.
5. The Customer provides an unconditional and unequivocal consent to One97 to share/access/store details related to his Credit Information, as provided by the Customer, with Entities/credit bureaus for the purpose of assessing the Customer’s credit worthiness for the facilitation of loan. Customer further agrees that the aforesaid authorization shall continue to enable One97/ Entities to access/share/store the Customer’s Credit Information from time to time and the consent provided by the Customer shall be valid as long as the Customer has an active account with One97 or any other One97 Affiliate group companies. The Customer further agrees to authorize the Entities to access his Credit Information records and any other publicly available credit check records to assess the Customer’s credit worthiness.
6. You agree that the Entities may further call for additional documents from You to process Your Loan request. You expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations done on Your phone/mobile numbers and confirm that One97 and Entities can contact You through email or mobile number through calls or sms.
7. You understand and agree that One97 is not responsible for any services that might be provided by the Entities or any other third parties. You further agree that the Entities, creditors or third parties that receive the information described above may use that information to contact You to process and disburse Your credit application. You further understand, agree and acknowledge that the Entities or other third parties may reject Your Loan application at their sole discretion and that One97 shall not be liable for the same. You further understand, agree and acknowledge that One97 shall not be liable for the manner in which the information described above may be used or stored by the Entities.
8. You also unconditionally and unequivocally authorize the Entities to share public and non-public loan related information including but not limited to application, appraisal, disbursal, repayment, collection and whatsoever is relevant from time to time with One97 or any other One97 Affiliate group companies. Further, You unconditionally and unequivocally authorize One97 to use the said loan related information for providing You access to targeted offers and for the purpose of Your ongoing assessment to provide You with personalized offer and products.
9. Your hereby provide your consent to the Entities and to One97 to provide marketing information through phone, text message, email, via Your online account on Paytm Platform about products and services (including third party products and services) which the Entities and One97 think may benefit You and You to agree to receive such information.
10. You unconditionally and unequivocally agree to keep One97, its affiliates, and its/their respective directors, officers, e employees, agents, licensors and suppliers indemnified against any and all losses, expenses, costs (including reasonable attorney’s fees), regulatory action, damage or liability that they may suffer, incur or become subject to in connection therewith or arising from sharing and/or disclosing the aforesaid Customer information with the Entities, or arising out of the Your violation of these terms and conditions or any other terms and conditions applicable to the Loan Facility.
11. You agree that the loan offer approval by the Entities shall be at the sole discretion of the Entities and One97 shall not be held liable for the same. You also understand and agree that the loan is subject to credit policies of Entities and the application may be rejected or put on hold as per their internal policies and at the sole discretion of Entities. Further it is also understood and agreed by You, that One97 shall not be liable to provide any loan offer to You or may hold or discontinue this service at its sole discretion.
12. Upon the loan getting disbursed by the Entity to You, You hereby acknowledge, agree, understand and confirm that One97 or Paytm Payments Services Limited (PPSL) which is a Paytm Affiliate and a payment aggregator are hereby authorized to comply with the written instructions given by Entity from time to time, without any further permission from/reference to You, for any support as required for the settlement/repayment of the Facility granted by Entity, and that One97/PPSL shall not be required to verify any facts and figures stated by the Entity in such communication.
13. This Clause shall apply where You have availed the Loan Facilities as a merchant/customer of One97/Paytm Affiliate. Upon the loan getting disbursed by the Entity to You, You hereby irrevocably and unconditionally authorizes PPSL to remit the collected amount pursuant to the Facility Agreement to the pool account of PPSL which shall be transferred to the pool account of One97 maintained with a Scheduled Commercial Bank (“Pool Account”) and subsequently such amount will be transferred from the Pool Account to a bank account as notified by Entity to One97 from time to time. You also authorize PPSL to change the mode and frequency of payment of settlement amount due from One97/Paytm Affiliate to You (as a merchant/customer of One97/Paytm Affiliate) in order to ensure that PPSL is able to deduct from the settlement amount any amount instructed by Entity. You hereby confirm that any request for change of Your bank account by You in which settlement amount is remitted to, shall not be accepted without prior consent of Entity until the total Facility amount is fully repaid and Entity issues a no dues certificate to You.
14. You understand and agree that in case of default of payment of the outstanding amount, or, breach any terms and conditions of the Loan agreement (executed between You and the Entity) by You, the Entity may, at its sole discretion, initiate appropriate legal/recovery proceedings or take any other action against You as per applicable law and/or as per the terms of aforementioned Loan agreement. You understand and agree that One97 shall not be liable for any such action initiated by the Entity.
15. You understand and agree that One97 or the Entity shall not be liable for the products/services purchased/availed by You using the Loan Facility provided to You herein. You agree that You shall continue to be liable for the repayment of the outstanding amount of the Loan Facilities provided to You, in case of any defective goods or services purchased by You using the Loan Facility provided to You herein.
16. You understand and agree that You shall be responsible for the safety and security of Your mobile phone, mobile device, computer, laptop etc which are used by You for accessing the Paytm Platform, including for maintaining the secrecy of Your password, login and account information. One97 shall not liable for any loss caused due to the loss/theft/misuse of such mobile device/computer, or, caused due to the misuse of the password, login and account information.
17. You represent, warrant and acknowledge (a) You are a citizen and a person resident in India, or, a legal entity incorporated in India (b) all information furnished by You in respect of the Loan Facility referred to herein are correct and You are a major, of sound mind (where the Customer is an individual) and are competent to contract; (c) that You have the authority to enter into and perform the obligations under these Terms; (d) to furnish all information of Your finances and business as may be required by the Entity in order to process the Your Loan Facility application; (e) You are not a party to any litigation and to the best of Your knowledge, no act(s) or omission(s) has been committed that may give rise to any litigation which shall have an impact on Loan Facility that may be provided to You herein; (f) that all repayments shall be in compliance of all applicable laws. You agree that if One97 has reasonable grounds to suspect that the information provided by You on the Paytm Platform is untrue, inaccurate, not updated or incomplete, One97 has the right to suspend or terminate Your account and refuse any and all current or future use of the Paytm Platform (or any portion thereof) or Paytm services in connection thereto.
18. Display of loan or other financial products, offered by Entities, on the Paytm Platform does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of One97 in favor of such Entities or their products. You agree that One97 or its affiliates are in no way responsible for the accuracy, timeliness or completeness of information that You may obtain from these Entities. Your interaction and any sharing of Your data/information/Sensitive Personal Information, including but not limited to Your PAN information, with any Entity accessed through the Paytm platform is at Your own risk, and One97 or its affiliates will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such Entity or for any personal injuries, death, property damage, or other damages or expenses resulting from Your interactions with the Entities.
19. (I) One97 (including its officers, directors, employees, representatives, affiliates, and business partners) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Paytm Platform), or (ii) any use of the Paytm Platform or content, or (iii) the performance or non-performance by One97 or any Entity/business partner, even if One97 has been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect Your computer equipment or other property as the result of Your access to the Paytm Platform or Your downloading of any content from the Paytm Platform.
    (II) The Paytm Platform may provide links and/or access to other third party platforms. However, since One97 has no control over such third party platforms, You acknowledge and agree that One97 is not responsible for the availability of such third party Platforms, and does not endorse and is not responsible or liable for any content, advertising, products, terms and conditions or other materials on or available from such third party platforms. You further acknowledge and agree that One97 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 use of or reliance on any such content, goods or services available on or through any such third party platforms.
20. You understand and agree that any delay or omission by the Entity or by One97 in exercising any of its rights under these or any other terms and conditions related to the Loan Facility shall not be construed as a waiver of the same.
21. Please review One97’s Privacy Policy and Terms of Use (Paytm Website and SSO-ID Terms & Conditions) of the Paytm Platform. One97 collects, uses and discloses information about You as provided in Paytm’s Privacy Policy. Paytm’s Privacy Policy and terms of use (Paytm Website and SSO-ID Terms & Conditions) are located on the Paytm website and is incorporated into these terms and condition by way of reference, and You agree to accept the terms of the Privacy Policy and the terms of use (Paytm Website and SSO-ID Terms & Conditions) as a condition to Your acceptance of these terms and conditions.
22. These terms and conditions shall be governed by and understood in accordance with laws of India and Courts in the city of New Delhi will have exclusive jurisdiction in regard to any dispute arising thereof.
23. You understand and agree that One97 may at its sole discretion amend and modify these terms and conditions, or any other terms and conditions of the Paytm Platform related to the Loan Facility from time to time and the same shall be applicable.
24. You agree that You have read and understood the detailed terms and conditioned as set out in loan-tnc .

I give my consent to One97 Communications Limited (“One97”/”Paytm”) to access my credit information from credit information companies and I agree to all the terms and conditions including Paytm’s Credit Information and Loan Referral T&Cs.
In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by Experian (“CIC”) through One97 Communications Limited (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

1. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Paytm’s Credit Information and Loan Referral T&C’s including End User Permitted Purpose stated therein, and the Company has granted its consent for being appointed for the aforesaid purpose.
2. I grant my unconditional consent to the Company to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Paytm’s Credit Information and Loan Referral T&C’s including End User Permitted Purpose stated therein as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I understand and agree that my Customer Credit Information may also be shared with the group companies of Company for the purpose set forth herein. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Paytm’s Credit Information and Loan Referral T&C’s and understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
3. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf till the time I have an active account with Paytm.
4. I understand and agree that my Customer Credit Information may also be shared with the authorized partner/lenders and Group Companies of the Company for the End User Permitted Purpose as stated in Paytm’s Credit Information and Loan Referral T&C’s till the time I have an active account with Paytm. Group Companies shall mean a holding, subsidiary or an associate company as defined under the Companies Act, 2013.
5. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Paytm’s Credit Information and Loan referral T&Cs.
6. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Paytm’s Credit Information and Loan referral T&Cs is solely the responsibility of the Company
7. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from Experian. I further authorize Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.
8. I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit Information from CIC.
9. By submitting this registration form, I understand that I am providing express written instructions for Company to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paytm account. I further authorize Company to retain a copy of my information for use in accordance with the end user permitted purpose in Paytm’s Credit Information and Loan referral T&Cs.
10. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND CIC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
11. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against CIC by third parties arising from and in connection with this letter.
12. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Delhi in regard to any dispute arising hereof. CIC is entitled to assign its rights hereunder to any third person without taking my prior written consent.

1. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
2. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
3. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and/or transfer my Consumer Credit Information to the Company on my behalf.
4. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company, Company’s affiliates and to Clix Finance India Private Limited, Clix Capital Services Private Limited, Suryodaya Small Finance Bank and Arthimpact Digital Loans Private Limited (Happy Loans); (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of the my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of the my Consumer Credit Information to the Company, Company’s affiliates and to Clix Finance India Private Limited, Clix Capital Services Private Limited, Suryodaya Small Finance Bank and Arthimpact Digital Loans Private Limited (Happy Loans); (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
5. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.
6. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to the Company authorizing the Company to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize the Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases By checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for the Company to obtain my Consumer Credit Information .
7. I understand that in order to deliver the product to me, I hereby authorize the Company, to obtain my Consumer Credit Information from TUCL.
8. By submitting this registration form, I understand that I am providing express written instructions for the Company to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Company account. I further authorize the Company to retain a copy of my information for use in accordance with the Company’s Terms of Use and Privacy Policy.
9. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN AS-IS , AS AVAILABLE BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
10. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee” ), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL by third parties arising from and in connection with this letter.
11. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

In connection with submission of the application for my credit information (“Customer Credit Information”) offered by Equifax (hereinafter referred to as “Credit Information Company”/”CIC”) through One97 Communications Limited (referred to as the “Company”) and delivery of the Customer Credit Information to the Company, I hereby acknowledge and agree to the following:

1. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Customer Credit Information from CIC on my behalf and use it in the manner consistent with the Paytm’s Credit Information and Loan Referral T&C’s including End User Permitted Purpose stated therein, and the Company has granted its consent for being appointed for the aforesaid purpose.
2. I grant my unconditional consent to the Company to receive the Customer Credit Information from CIC on my behalf and use it in the manner consistent with the Paytm’s Credit Information and Loan Referral T&C’s including End User Permitted Purpose stated therein as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I understand and agree that my Customer Credit Information may also be shared with the group companies of Company for the purpose set forth herein. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Paytm’s Credit Information and Loan Referral T&C’s and understood the same; or (b) the Terms of Understanding in relation to the use of the Customer Credit Information has been agreed between me and the Company.
3. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Customer Credit Information to the Company on my behalf till the time I have an active account with Paytm.
4. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Customer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Customer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Customer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Paytm’s Credit Information and Loan referral T&Cs.
5. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Customer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Paytm’s Credit Information and Loan referral T&Cs is solely the responsibility of the Company.
6. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Company authorizing Company to obtain my Customer Credit Information from my personal credit profile from Equifax. I further authorize Company to obtain such information solely to confirm my identity and display my Customer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Customer Credit Information.
7. I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Customer Credit Information from CIC.
8. By submitting this registration form, I understand that I am providing express written instructions for Company to request and receive information about me from third parties, including but not limited to a copy of my Customer Credit Information report and Credit score from Customer reporting agencies, at any time for so long as I have an active Paytm account. I further authorize Company to retain a copy of my information for use in accordance with Paytm’s Credit Information and Loan referral T&Cs, Terms & Condition and the Privacy Policy of One97 available on the Paytm website.
9. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND CIC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
10. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Customer Credit Information and / or my decision to provide CIC with the authority to deliver my Customer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against CIC by third parties arising from and in connection with this letter.
11. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in New Delhi in regard to any dispute arising hereof. CIC is entitled to assign its rights hereunder to any third person without taking my prior written consent.

I give my consent to One97 Communications Limited (“One97”/”Paytm”) to access my credit information from credit information companies and I agree to all the terms and conditions.

In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by CRIF High Mark (“CIC”) through One97 Communications Limited (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

1. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Paytm’s Credit Information and Loan Referral T&C’s including End User Permitted Purpose stated therein, and the Company has granted its consent for being appointed for the aforesaid purpose.
2. I grant my unconditional consent to the Company to receive the Consumer Credit Information from CIC on my behalf and use it in the manner consistent with the Paytm’s Credit Information and Loan Referral T&C’s including End User Permitted Purpose stated therein as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I understand and agree that my Consumer Credit Information may inter alia be shared with the group companies/affiliates and business partners of Company for the purpose set forth herein. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Paytm’s Credit Information and Loan Referral T&C’s and understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
3. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf till the time I have an active account with Paytm.
4. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Paytm’s Credit Information and Loan referral T&Cs.
5. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Paytm’s Credit Information and Loan referral T&Cs is solely the responsibility of the Company.
6. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from CRIF High Mark. I further authorize Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.
7. I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit Information from CIC.
8. By submitting this registration form, I understand that I am providing express written instructions for Company to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paytm account. I further authorize Company to retain a copy of my information for use in accordance with Paytm’s Credit Information and Loan referral T&Cs, Terms & Condition and the Privacy Policy of One97 available on the Paytm website.
9. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND CIC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
10. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against CIC L by third parties arising from and in connection with this letter.
11. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai and Delhi in regard to any dispute arising hereof. CIC is entitled to assign its rights hereunder to any third person without taking my prior written consent.