One 97 Communications Limited (One97) bearing CIN No. L72200DL2000PLC108985 having its registered office at First Floor, Devika Tower Nehru Place New Delhi 110019 and principal place of business at Paytm Corporate Office, One Skymark, Tower-D, Plot No. H-10B,Sector-98, Noida UP 201304 (hereinafter referred to as “One97” which unless repugnant hereto shall include permitted assigns and successors) through its platform namely Paytm Platform (defined hereinafter) is providing services with respect to Credit Information and Credit Card and Loan Referral Service ("Service") that enables you (you , your , Customer) to access Your Credit Information as supplied by Credit Information Companies as defined under section 5 of Credit Information Companies (Regulation) Act, 2005 ( “Credit bureaus” ) and/or to avail various loan facilities and/or co-branded credit cards offered by our different partner banks/NBFCs and/or other financial institutions ( “Financial Institutions” ) . The Service consists of receipt of your Credit Information as shared by Credit Bureaus and sharing your Profile Data with Financial Institutions and third party entities partnered with One97.

Please read the following important terms and conditions carefully before taking further steps for availing this Service. If you do not agree with any of the terms and conditions entailed herein, you should not take further steps for availing this Service. By accessing or using this Service and clicking on “Proceed” or “Submit” you agree and accept to be bound by these Terms and Conditions and Disclaimers (collectively referred to as “Credit Information and Credit Card and Loan Referral T&Cs”) set out herein and also agree to unconditionally and unequivocally authorise One97 to share any information shared by You at the time of applying for any of the Services with the Credit Bureaus and Financial Institutions. You also agree to unconditionally and unequivocally authorise One97 to use the information shared by You, regardless of whether the application for the Service is submitted/completed or regardless of whether You have clicked on Proceed or Submit or any other button, for simplifying any fresh application process, if initiated by You for availing any of the Service.

PART A- DEFINITIONS

“Credit Bureaus” shall mean and include all or any Credit Information Companies, its affiliates and suppliers with whom One97 has partnered with 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 Customer 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 Customer 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 Customer and any other information provided in such Credit Information Report and sent to the Paytm Platform, and, the Customer’s e-mail, with appropriate aggregations;

“Credit Facility(ies)” shall mean and include personalised loan and co-branded credit card offers made by One97 on behalf of Financial Institutions;

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

“Profile Data” means collectively your personal information and includes the following:

• Contact information such as Your name, mailing address, email address, telephone number etc.

• Your PAN, Date of Birth & Proof of address, constitution documents, KYC details & other details and documents, as may 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

“End User Permitted Purpose” means access of Credit Information and Profile Data by Paytm, use of the Credit Information (including any changes) and Profile Data in the capacity of Your authorized representative for the purpose of providing You access to the said Credit Information (including any changes) This also includes use of Profile Data as well as Credit Information as accessed by Paytm, for the purpose of conducting any evaluation and/or assessment and/or investigation and sharing both Credit Information/Profile Data as well as results of such evaluation/assessment/investigation it with Financial Institutions so that they can ascertain Your creditworthiness/eligibility/identity for offering You with Credit Facility(ies) .,

It also includes allowing One97 to provide you with personalized offers and products, pursuant to your consent and authorization contained herein, in accordance with applicable laws.

Unless otherwise specifically defined in these General Terms and Conditions for Credit Information Service, the capitalized words and expressions used in these General Terms and Conditions for Credit Information Service, but not defined herein shall have the meaning assigned to them in the Privacy Policy of One97 as available on Paytm Platform, or the general terms and conditions as available on the Paytm Platform.

PART- B: General Terms and Conditions for Credit Information Service

1. 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 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 General Terms and Conditions for Credit Information Service ( Authorization ).

By appointing One97 as Your authorized representative You hereby unequivocally and unconditionally authorize One97 to instruct the Credit Bureaus, to obtain, receive and compile Your Credit Information on Your behalf and share the same with One97 on an on-going basis as and when instructed by One97, 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 One97 on Your behalf.

You hereby authorize One97 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, receive, retain and store 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 (a) Your account with Paytm is de-activated either by Yourself or by One97; (b) such time Your Credit Information Report/Credit Score is required to be retained to satisfy the End User Permitted Purpose; (c) a limited period of 6 months; or (d) You withdraw your consent to store or use such Credit Information Report/Credit Score, whichever is earlier; for use in accordance with these General Terms and Conditions for Credit Information Service, . Any other information you have given One97 access to under this Authorization, shall be used, stored and shared by One97 for use in accordance with these General Terms and Conditions for Credit Information Service, till Your account on Paytm Platform or this Service is de-activated either by One97 or by yourself, or, till the time You make a request with One97 to opt out of this Service, whichever is earlier. In this context, You agree that should You express Your interest to avail any personalized offers, One97 shall contact You through message, whatsapp, call SMS or voice or any other mode of communication and the same shall not be regarded as unsolicited commercial communication. You further agree that One97 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 One97 and/or its business partners. One97 may send You such offers via email, text, whatsapp or online display or other means of delivery in One97’s reasonable sole discretion.

You agree and hereby give Your specific consent for the Authorization and the consent provided by You under these General Terms and Conditions for Credit Information Service, to be shared by One97 with the Credit Bureaus as One97 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 One97 and the Credit Bureaus. You agree that You shall be required to enter Your details as requested by One97 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 Credit Facility(ies) from Financial institutions. You provide Your unconditional and unequivocal consent to One97 to share these details provided by You with the Credit Bureaus 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 on Paytm Platform or this Service is de-activated either by One97 or by yourself, or, till the time You make a request with One97 to opt out of this Service, whichever is earlier..

You further agree that One97 may at its sole discretion provide You with the option of availing various loan facilities from different partner Financial institutions. By opting for such loan services and by furnishing Your personal/contact details on the Paytm Platform as required by One97, You hereby agree that You are interested in availing the said loan facilities from the Financial institutions selected by You. You hereby agree that One97 or the Financial institutions 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 One97, its affiliates and Financial institutions to contact You for any follow up calls in relation to the Credit Facility(ies) 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 One97 to share Your details with third parties/partners, including but not limited to the Financial institutions selected by You, and You can be contacted by the third parties/partners, including but not limited to the Financial institutions selected by You, for information and for sales through email, telephone and/or SMS.

You hereby unconditionally authorize One97 to share the details provided by You on the Paytm Platform, including but not limited to Your Personal Identifiable Information and Sensitive Personal Data or Information with the Financial institutions selected by You for processing Your request for the grant of the Credit Facility(ies) offered herein and with One97’s affiliates, business partners and other third parties, for providing You with targeted offers. For the purpose of these General Terms and Conditions for Credit Information Service,, the terms “Personal Identifiable Information” and “Sensitive Personal Data or 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 including subsequent amendments thereto.

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 One97 against such third parties or their financial/loan products. You agree that One97 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 One97 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 Financial institutions 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 Financial institutions selected by You, while making any application through the Paytm Platform for a financial product offered by such Financial institutions; One97 shall not be held liable for any delay, rejection or approval of any application made through its Paytm Platform.

2.YOUR ACCOUNT

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

You are 18 years of age or older

• Any information You provide to One97, 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 One97 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 mobile phone, mobile device, computer, laptop etc ( “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 One97 immediately of any unauthorized use of Your account or any other breach of security. One97 reserves the right to refuse service, terminate accounts, in its sole discretion. Notwithstanding the above, One97 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 General Terms and Conditions for Credit Information Service,, or of the Paytm Website and SSO-ID Terms & Conditions , or of the Privacy Policy, as appearing on the Paytm Platform. You agree and acknowledge that the terms and conditions of The Credit Bureaus shall also apply to Your use of this Service.

3. SUSPENSION/TERMINATION AND DEACTIVATION OF YOUR ACCOUNT

One97 may suspend or terminate Your account or Your use of the Service at any time without notice, if One97 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 General Terms and Conditions for Credit Information Service,, or of the Paytm Platform and SSO-ID Terms & Conditions , or, of the Privacy Policy, as appearing on the Paytm Platform. Further, One97 reserves the right to withdraw, discontinue or stop the provision of this Service, at any time, at sole discretion of One97 and Your use of such Service shall automatically terminate/end ( Termination ).

Notwithstanding anything captured in these General Terms and Conditions for Credit Information Service,, any clause 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 on Paytm Platform, 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 One97 will be dealt with in accordance with Privacy Policy as appearing on Paytm Platform.

4. 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. One97 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 One97 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 Credit Facility(ies) granted/not granted or any other action by any partner Financial institutions or services provided / not provided or any other action by One97’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 One97 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 Customer’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 One97. By providing You with the Services on the Paytm Platform, The Credit Bureaus or One97 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 Your own free-will and risk and neither One97 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 One97 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 One97 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 One97, 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.

5. 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 ( “Request” )for Your Credit Information on the Paytm Platform . 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 One97. Each Request shall be for the Credit Information of one person only and an Customer 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 One97 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 One97, for any reason whatsoever, including but not limited to, data not accepted by the data collection system maintained by the Credit Bureaus or One97 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 be prescribed by One97 is not successfully completed. One97 shall inform You of such failures.

Any analysis and estimates provided by One97 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 One97 or the Credit Bureaus or any of One97’s marketing partners. The methodology which One97 uses to determine which offers, analysis, or other information is presented or highlighted is proprietary and One97 may elect to consider, ignore, emphasize, or de-emphasize certain factors in its sole and absolute discretion.

One97 does not guarantee that the information presented by One97 as part of its 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.

6. CONFIDENTIALITY

Since it affects Your use of the Services, please review One97’s Paytm Platform and SSO-ID Terms & Conditions and Privacy Policy as appearing on the Paytm Platform. One97 collects, uses and discloses information about You as provided in Privacy Policy as appearing on Paytm Platform. Privacy Policy as appearing on Paytm Platform is incorporated into these General Terms and Conditions for Credit Information Service by way of reference, and You agree to accept the terms of the Privacy Policy as appearing on Paytm Platform as a condition to your acceptance of these General Terms and Conditions for Credit Information Service.

One97 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. One97 will not share your Personal Data including but not limited to your Credit Information except (1) as necessary for One97 to process Your Request, (2) as permitted by law, and (3) as required by the government, law enforcement or an order of the court. One97 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 One97.

7. INDEMNIFICATION

You agree to indemnify, defend and hold harmless One97, 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 General Terms and Conditions for Credit Information Service or any other terms and conditions applicable to Service, or Your violation of the intellectual property rights of One97, 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.

8. LINKS TO OTHER WEB SITES

For purposes of convenience, Paytm Platform contains links to third party websites. One97 makes no representations or warranties about any third party website that You may access through the links. By providing a link to those websites, One97 does not endorse, adopt, or otherwise accept any responsibility for the content or use of those websites.

9. 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 One97, 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 General Terms and Conditions for Credit Information Service 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.

10. OTHER TERMS AND CONDITIONS

The terms and conditions mentioned herein may be modified by One97 in its sole discretion from time to time.

• The rights granted in this arrangement and agreed by You through these General Terms and Conditions for Credit Information Service are personal. You may not assign, sub-license or otherwise transfer any of Your rights under these General Terms and Conditions for Credit Information Service.

• If a court finds any part of these General Terms and Conditions for Credit Information Service, the remaining parts of these conditions shall continue unaffected.

• If One97 fails to exercise any right or legal remedy available to One97 against You, any such failure shall not prevent One97 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.

11. ADDITIONAL TERMS

In addition, by agreeing to be bound by these General Terms and Conditions for Credit Information Service, You 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 Platform and of the Credit Bureaus available on the web-sites of the Credit Bureaus to which You agree to be bound with.

12. CONTACT US DETAILS

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

You hereby represent and acknowledge that you have carefully read and understood these General Terms and Conditions for Credit Information Service in relation to the Credit Information Services being availed by You and You hereby provide Your acceptance to the same.

Part C- General Terms and Conditions for Credit Card and Loan Referral Service

One97 has entered into arrangement with Financial institutions to bring loan offers and co-branded credit card offers (“Credit Facility(ies)”) for its merchants and for the registered users of the Paytm Platform. This Terms and Conditions are applicable for the Customers who have demonstrated their interest to One97 for availing Credit Facility(ies) from such Financial institutions either through sms or whatsapp or phone call or through the Paytm Platform or through any other means. Please read the terms and conditions carefully before applying for the Credit Facility(ies) herein. If You do not agree with any the terms and conditions herein, You should not apply for the Credit Facility(ies) herein. By applying for the Credit Facility(ies) herein, You agree and accept to be bound by the terms and conditions set out herein.

Notwithstanding anything contained in the Privacy Policy as provided for and as may be updated from time to time on the Paytm Platform, You hereby demonstrate Your interest for availing the Credit Facility(ies), and hereby give Your unconditional and unequivocal consent to One97 to share Your Profile Data to the Financial institutions while submitting Your application for the Credit Facility(ies).

By appointing Paytm as your authorized representative you hereby unequivocally and unconditionally authorize Paytm to obtain, receive and compile your Profile Data on your behalf an on-going basis for the End User Permitted Purposes. You hereby expressly grant unequivocal and unconditional consent to, Paytm to deliver and/or transfer your Profile Data to Entities for End User Permitted Purpose. You hereby grant unequivocal and unconditional consent to allow Paytm to offer You targeted/personalized offers for products and services using your Profile Data as laid down in the End User Permitted Pupose.

In order to provide the Customer’s bank statement or pay slip electronically along with the Credit Facility(ies) application, the Customer agrees and acknowledges to provide his third-party account credentials ("Account Credentials") to allow One97 or of its Affiliate/group company 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 or its Affiliate/group company 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.

The Customer provides an unconditional and unequivocal consent to One97 (“Authorization”) to share/access/store details related to his Credit Informationand Profile Data for the purpose of assessing the Customer’s credit worthiness for the facilitation of Credit Facility(ies). Customer further agrees that the aforesaid authorization shall continue to enable One97 to access/share/store the Customer’s Credit Information till (a) his/her account on Paytm Platform is de-activated either by the Customer or by One97; (b) such time the Customer’s Credit Information Report/Credit Score is required to be retained to satisfy the End User Permitted Purpose; (c) a limited period of 6 months; or (d) the Customer withdrawing his/her consent to store or use such Credit Information Report/Credit Score, , whichever is earlier; for use in accordance with these General Terms and Conditions for Credit Card and Loan Referral Service. Any other information including Profile Data that the Customer has given One97 access to under this Authorization, shall be used, stored and shared by One97 for use in accordance with these General Terms and Conditions for Credit Card and Loan Referral Service till the Customer’s account on Paytm Platform or this Service is de-activated either by One97 or by the Customer, or, till the time the Customer makes a request with One97 to opt out of this Service, whichever is earlier.

The Customer provides an unconditional and unequivocal consent to One97 to share his Credit Information and Profile Data with third party service providers or partners of One97 for conducting evaluation and/or assessment and/or investigation in order to satisfy the End User Permitted Purpose.

You agree that the Financial institutions may further call for additional documents from You to process Your Credit Facility(ies) 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 Financial institutions can contact You through email or mobile number through calls or SMS or whatsapp or any other mode of communication.

You understand and agree that One97 is not responsible for any services that might be provided by the Financial institutions or any other third parties. You further agree that the Financial institutions, 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 Financial institutions or other third parties may reject Your Credit Facility(ies) 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.

You also unconditionally and unequivocally authorize the Financial institutions to share public and non-public Credit Facility(ies) related information including but not limited to application, appraisal, disbursal, repayment, collection and whatsoever is relevant from time to time with One97or any other One97 Affiliate/group companies. Further, You unconditionally and unequivocally authorize One97 to use the said Credit Facility(ies) 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.

Your hereby provide your consent to the Financial institutions and to One97 to provide marketing information through phone, text message, email, whatsapp via Your online account on Paytm Platform about products and services (including third party products and services) which the Financial institutions and One97 think may benefit You and You to agree to receive such information.

You unconditionally and unequivocally agree to keep One97, its affiliates, and its/their respective directors, officers, 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 including Profile Data with the Financial Institutions, or arising out of the Your violation of these General Terms and Conditions for Credit Card and Loan Referral Services or any other terms and conditions applicable to the Credit Facility(ies).

You agree that the loan offer approval by the Financial institutions 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 Credit Facility(ies) is subject to credit policies of the Financial institutions and the application may be rejected or put on hold as per their internal policies and at the sole discretion of the Financial institutions. Further it is also understood and agreed by You, that One97 shall not be liable to provide any Credit Facility(ies) offer to You or may hold or discontinue this service at its sole discretion.

This clause shall apply where You have availed Credit Facility (excluding co-branded credit cards) via Paytm Platform: The Customer hereby understands that One97 has enabled the services of Payment Aggregator and Payment Processor appointed by the Financial institutions in the loan journey on Paytm Platform to document consent of the Customer to deduct EMIs/EDIs/ outstanding dues via NACH, Pay Now, Standing Instructions, UPI mandate etc., against loan disbursed by the Financial institutions in Your favour. The Payment Aggregator and Payment Processor so appointed by the Financial institutions shall directly deduct the EMIs/EDIs/ outstanding dues directly from the bank account of the Customer and remit the amount so collected to the Financial institutions. The Customer hereby agrees and understands that One97 shall not be liable for acts and omissions of the Payment Aggregator and Payment Processor in this regard.

For the purpose of this Clause, “Payment Processor” shall mean the entity appointed by the Financial institutions to enable deduction of EMIs/EDIs/outstanding dues etc., from the bank account of the Customer for completion of their payment obligation under loan agreement and documents against the loan disbursed in Your favour.

Payment Aggregator” shall mean and include entities appointed by the Financial institutions to accept various payment instruments from the Customer for completion of their payment obligation under loan agreement and documents without the need for the Financial institutions to create a separate payment integration of their own. In the process, they receive EMIs/EDIs/outstanding dues etc., from the Customers, pool and transfer them on to the Financial institutions within agreed timelines.

This clause shall apply only where you have availed Credit Facility of co-branded credit cards (excluding other loan/s) via Paytm Platform: In the event of a ‘Paytm’ co-branded credit card being issued to you pursuant to availment of this Service, you agree to unconditionally and unequivocally authorise One97 to take necessary steps for automatically linking your ‘Paytm’ co-branded credit card issued to you by One97’s partner Financial Institutions for enabling Paytm UPI payments through such card on Paytm Platform

Upon the Credit Facility getting disbursed by the Financial Institutions to You, You hereby acknowledge, agree, understand and confirm that One97 is hereby authorized to comply with the written instructions given by Financial Institutions from time to time, without any further permission from/reference to You, for any support as required for the settlement/repayment of the Credit Facility(ies) granted by Financial Institutions, and that One97 shall not be required to verify any facts and figures stated by the Entity in such communication.

You understand and agree that in case of default of payment of EMI, or, breach any terms and conditions of the Credit Facility(ies) agreement (executed between You and the Financial institutions) by You, the Financial institutions 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 Credit Facility(ies) agreement. You understand and agree that One97 shall not be liable for any such action initiated by the Financial institutions.

You understand and agree that One97 or the Financial institutions shall not be liable for the products/services purchased/availed by you using the Credit Facility(ies) provided to You herein. You agree that You shall continue to be liable for the repayment of the outstanding amount of the Credit Facility(ies)provided to You, in case of any defective goods or services purchased by You using the Credit Facility(ies) provided to You herein.

You understand and agree that You shall be responsible for the safety and security of Your Device 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 Device or, caused due to the misuse of the password, login and account information.

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 Credit Facility(ies) 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 General Terms and Conditions of Credit Card and Loan Referral Services; (d) to furnish all information of Your finances and business as may be required by the Financial institutions in order to process the Your Credit Facility(ies) application; I 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 Credit Facility(ies) 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 on Paytm Platform and refuse any and all current or future use of the Paytm Platform (or any portion thereof) or services in connection thereto.

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 Financial institutions 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 Financial institutions. Your interaction and any sharing of Your data/information/Sensitive Personal Information, including but not limited to Your PAN information, with any Financial institutions 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 Financial institutions or for any personal injuries, death, property damage, or other damages or expenses resulting from Your interactions with the Financial institutions.

(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 Financial Institutions/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 Device 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.

You understand and agree that any delay or omission by the Financial institutions or by One97 in exercising any of its rights under these or any other terms and conditions related to the Credit Facility(ies) shall not be construed as a waiver of the same.

Please review 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 Privacy Policy on Paytm Platform. Privacy Policy and terms of use (Paytm Website and SSO-ID Terms & Conditions) are located on the Paytm Platform and is incorporated into these General Terms and Conditions for Credit Card and Loan Referral Service 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 General Terms and Conditions for Credit Card and Loan Referral Service.

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.

You understand and agree that One97 may at its sole discretion amend and modify these General Terms and Conditions for Credit Card and Loan Referral Service, or any other terms and conditions of the Paytm Platform related to the Credit Facility(ies) from time to time and the same shall be applicable.

You agree that You have read and understood the detailed terms and conditioned as set out in HYPERLINK "https://paytm.com/offer/loan-tnc/"loan-tnc .

Part D- Specific Terms and Conditions for Credit Information pull from Experian

CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION THROUGH EXPERIAN

I give my consent to One97 Communications Limited (“One97”) to access my credit information from credit information companies and I agree to all the terms and conditions including General Terms and Conditions for Credit Information Service and General Terms and Conditions for Credit Card and Loan Referral Service (collectively referred to as “Credit Information and Credit Card and Loan Referral T&Cs”).

In connection with submission of the application for my credit information (“Credit Information”) offered by Experian Credit Information Company Limited (“Experian”) through One97 and delivery of the Credit Information to One97, I hereby acknowledge and agree to the following:

One97 is my lawfully appointed agent and it has agreed to be my agent for the purposes, including, without limitation, to receive the Credit Information from Experian on my behalf and use it in the manner consistent with the Credit Information and Credit Card and Loan Referral T&C’s including End User Permitted Purpose stated therein, and One97 has granted its consent for being appointed for the aforesaid purpose.

I grant my unconditional consent to One97 to receive the Credit Information from Experian on my behalf and use it in the manner consistent with the Credit Information and Credit Card and Loan Referral T&C’s including End User Permitted Purpose stated therein as the case may be, and One97 has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Credit Information and Credit Card and Loan Referral T&C’s and understood the same; or (b) the Credit Information and Credit Card and Loan Referral T&Cs in relation to the use of the Credit Information has been agreed between me and One97.

I hereby expressly grant unconditional consent to, and direct, Experian to deliver and / or transfer my Credit Information to One97 on my behalf till the time (a) my account with Paytm Platform is de-activated either by myself or the Company; (b) or, such time my Credit Information Report/Credit Score is required to be retained to satisfy the End User Permitted Purpose; (c) for a limited period of 6 months; or (d) I withdraw my consent to store or use such Credit Information Report/Credit Score, whichever is earlier.

I shall not hold Experian 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 Credit Information to One97; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Credit Information to One97; (d) for any use made by One97 which is contrary to the Credit Information and Credit Card and Loan Referral T&Cs.

I acknowledge and accept that: (a) Experian has not made any promises or representations to me in order to induce me to provide my Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Credit Information and Credit Card and Loan Referral T&Cs is solely the responsibility of One97.

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 One97 authorizing One97 to obtain my Consumer Credit Information from my personal credit profile from Experian. I further authorize One97 to obtain such information solely to confirm my identity and display my 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 Experian privacy policy and agree to its terms, and confirm my Authorization for One97 to obtain my Credit Information.

I understand that in order to deliver the product to me, I hereby authorize One97, to obtain my Credit Information from Experian.

By submitting this registration form, I understand that I am providing express written instructions to One97 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. My Credit Information Report and Credit Score can be used, shared or stored by the Company till the time (a) my account on Paytm Platform is de-activated either by myself or One97; (b) or, such time my Credit Information Report/Credit Score is required to be retained to satisfy the End User Permitted Purpose; (c) for a limited period of 6 months; or (d) I withdraw my consent to store or use such Credit Information Report/Credit Score, whichever is earlier. In compliance with applicable law, I further authorize One97 to retain a copy of my other information for use in accordance with Credit Information and Credit Card and Loan Referral T&Cs, Terms & Condition and the Privacy Policy of One97 available on the Paytm Platform.

I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND EXPERIAN EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge Experian, 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 Credit Information and / or my decision to provide Experian with the authority to deliver my Credit Information to One97. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against Experian by third parties arising from and in connection with this letter.

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. Experian is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Part E- Specific Terms and Conditions for Credit Information pull from TransUnion CIBIL Limited (“CIBIL”/”TUCL”)

To,

TransUnion CIBIL Limited

[Formerly known as Credit Information Bureau (India) Limited]

19th Floor, One World Centre Tower-2A-2B,

841 Senapati Bapat Marg,

Lower Parel,

Mumbai – 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information (“Credit Information”) and other related credit products (Credit Products) offered by CIBIL through One97 Communications Limited. (referred to as the “One97”) and delivery of the Credit Information and Credit Products to One97, I hereby acknowledge and agree to the following:

One97 is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Credit Information and Credit Products from TUCL on my behalf and use it and One97 has granted its consent for being appointed for the aforesaid purpose.

I grant my unconditional consent to One97 to receive the Credit Information and Credit Products from TUCL on my behalf and One97 has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that the Credit Information and Credit Card and Loan Referral T&Cs has been agreed between me and One97.

I hereby expressly grant unconditional consent to, and direct, TUCL to deliver my Credit Information and Credit Products to One97 on my behalf.

I agree that my consent shall be stored by One97 on a permanent basis and shall be verifiable from time to time. I understand that One97 cannot access the Credit Information for more than 6 months on a single consent and the same shall be required to be refreshed every six (6) months. Company can store the Credit Information only (i) for a limited time period of six months or (ii) till the time my account on the Paytm Platform has been deactivated by me or by One97, or (iii) till such time the Credit Information is required to be retained to satisfy the purpose for which it was provided or (iv) until I withdraw my consent to store such Credit Information, whichever is earlier and thereafter, the stored Credit Information shall be deleted, purged, expunged by One97.

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 Credit Information and Credit Products to One97 ; (b) any use, modification or disclosure by One97 of the contents, in whole or in part, of my Credit Information or Credit Products , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Credit Information to One97.

I acknowledge and accept that TUCL has not made any promises or representations to me in order to induce me to provide my Credit Information or seek any consent or authorization in this regard.

I agree that I may be required to record my consent / provide consent electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written consent " to [One97 authorizing One97 to obtain my Credit Information from my personal credit profile from TransUnion CIBIL LIMITED]. I further authorize [COMPANY] to obtain such information solely to confirm my identity and display my 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 One97 to obtain my Credit Information and Credit Products.

I understand that in order to deliver the product to me, I hereby authorize One97, to obtain my Credit Information and Credit Products from TUCL. I, By submitting this registration form, I understand that I am providing express written instructions for One97 to request and receive information about me from third parties, including but not limited to a copy of my Credit Information report and Credit score from Customer reporting agencies, at any time. My Credit Information Report and Credit Score can be used, shared or stored by One97 till the time (i) for a limited time period of six months or (ii) till the time my account on the Paytm Platform has been deactived by me or by One97, or (iii) till such time the credit information is required to be retained to satisfy the purpose for which it was provided or (iv) until I withdraw my consent to store such Credit Information, whichever is earlier. I further authorize One97 to retain a copy of my other information for use in accordance with PCredit Information and Credit Card and Loan Referral T&Cs, Terms & Condition and the Privacy Policy of One97 available on the Paytm Platform.

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.

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 Credit Information or Credit Products and / or my decision to provide TUCL with the authority to deliver my Credit Information and Credit Products to One97 . 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.

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.

Yours faithfully,

Signature :____________________________

Name :____________________________

Address : ____________________________

CC: [Name of Company]

Address

Exhibit A to Part E

ALERTS

Alerts is a feature made available by TransUnion CIBIL Limited (”TUCL”) to the Customer availing its credit information report (Credit Information) prepared by TUCL. Your Credit Information and score may change whenever a credit/financial Institution accesses your Credit Information or submits any new information and/or updates any information pertaining to the credit facilities you have availed from various lenders.

The new Alerts feature monitors the changes/updates made to your Credit Information and/or score and sends real-time alerts via SMS and/or Whatsapp and/or E-mail and/or One97’s mobile application named as Paytm Platform and/or any other mode of communication (SMS, Whatsapp, E-mail, Paytm Platform’s in-app notifications and other mode of communications shall hereinafter be referred to as “Communication Channels”) whenever Credit Information and/or score has undergone a change.

One 97 Communication Limited (“One97”) will get these updates from TUCL and then this feature is made available to you on agreeing to the following terms and conditions by providing your explicit consent to receive alerts from Company. It shall be responsibility of One97 to provide Alerts through Communication channel to the consumers.

As your Authorised Representative, One97, will from time to time get real-time notifications on specified events / changes on your CIR and then send these updates to you in the form of Alerts in the manner mentioned hereunder.

In terms of the same, I provide my explicit consent on the following:

To receive from One97, or through its authorized service providers/agents Alerts via Communication Channels

For the purpose of receiving these Alerts through Communication Channels my correct and rightful mobile number and/or Email-id provided to One97 shall be considered to be my registered mobile number and / or Email-id.

that in the event of any update on or change in my Credit Information and/or CIBIL Score linked to my Credit Information, One97 may send an Alert via Communication Channels on my registered mobile number and/or Email-id.

that One97 may continue to send such Alerts even after my subscription has expired so as to enable me to decide if I/We wish to renew the subscription.

that this feature shall be provided to me on account of my subscription to Alerts and on the basis of my explicit consent provided to One97 and that I will not raise any dispute and/or legal proceedings against TUCL for receiving such Alerts via Communication Channels on my mobile no. and/or email and/or Paytm Platform from One97 and/or hold TUCL liable / responsible for any losses/ claims / damages, etc. in this regard.

That I will not hold TUCL responsible / liable for any decision that I make with regards to renewing or not renewing the subscription.

Part F- Specific Terms and Conditions for Credit Information pull from Equifax

CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION THROUGH EQUIFAX

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

One97 is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Credit Information from Equifax on my behalf and use it in the manner consistent with the Credit Information and Credit Card and Loan Referral T&C’s including End User Permitted Purpose stated therein, and One97 has granted its consent for being appointed for the aforesaid purpose.

I grant my unconditional consent to the One97 to receive the Credit Information from Equifax on my behalf and use it in the manner consistent with the Credit Information and Credit Card and Loan Referral T&C’s including End User Permitted Purpose stated therein as the case may be, and One97has granted its consent for being appointed for the aforesaid purpose.. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Credit Information and Credit Card and Loan Referral T&C’s and understood the same; or (b) the Credit Information and Credit Card and Loan Referral T&Cs in relation to the use of the Credit Information has been agreed between me and One97.

I hereby expressly grant unconditional consent to, and direct, Equifax to deliver and / or transfer my Credit Information to One97 on my behalf till the time. (a) my account on Paytm Platform is de-activated either by myself or by One97; (b) or, such time my Credit Information Report/Credit Score is required to be retained to satisfy the End User Permitted Purpose; (c) for a limited period of 6 months; or (d) I withdraw my consent to store or use such Credit Information Report/Credit Score, whichever is earlier

I shall not hold Equifax 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 Credit Information to One97; (b) any use, modification or disclosure by One97 of the contents, in whole or in part, of my Credit Information, whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Credit Information to One97; (d) for any use made by One97 which is contrary to the Credit Information and Credit Card and Loan Referral T&Cs.

I acknowledge and accept that: (a) Equifax has not made any promises or representations to me in order to induce me to provide my Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Credit Information and Credit Card and Loan Referral T&Cs is solely the responsibility of One97.

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 One97 authorizing One97 to obtain my Credit Information from my personal credit profile from Equifax. I further authorize One97 to obtain such information solely to confirm my identity and display my 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 Equifax privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Customer Credit Information.

I understand that in order to deliver the product to me, I hereby authorize One97, to obtain my Credit Information from Equifax.

By submitting this registration form, I understand that I am providing express written instructions for One97 to request and receive information about me from third parties, including but not limited to a copy of my Credit Information report and Credit score from Customer reporting agencies, at any time. My Credit Information Report and Credit Score can be used, shared or stored by One97 till the time (a) my account on Paytm Platform is de-activated either by myself or by One97; (b) or, such time my Credit Information Report/Credit Score is required to be retained to satisfy the End User Permitted Purpose; (c) for a limited period of 6 months; or (d) I withdraw my consent to store or use such Credit Information Report/Credit Score, whichever is earlier. I further authorize One97 to retain a copy of my information for use in accordance with Credit Information and Credit Card and Loan Referral T&Cs, Terms & Condition and the Privacy Policy of One97 available on the Paytm Platform.

I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND Equifax EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge Equifax, 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 Credit Information and / or my decision to provide Equifax with the authority to deliver my Credit Information to One97. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against Equifax by third parties arising from and in connection with this letter.

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. Equifax is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Part-G- Specific Terms and Conditions for Credit Information pull from CRIF High Mark

Consumer Consent for accessing Consumer Credit Information Report (CIR) from Crif High Mark

PART 1

I hereby appoint One97 Communications Limited (hereinafter referred as “One97”), having its registered office at First Floor, Devika Tower, Nehru Place, New Delhi-110 019, as my lawful agent to receive my credit report/credit history (“Credit Information”) from Crif High Mark Credit Information Services Private Limited(“Crif High Mark”).

I further authorize the One97 to share with Crif High Marks, my personal information/details to procure my Credit Information on a monthly frequency and use the same for the End User Permitted Purpose specifically for determining and improving the credit worthiness.

I understand and acknowledge that the Crif High Mark shall not be liable under law or equity, in any manner whatsoever, for providing my Credit Information to One97and I will not raise any claim or objections against the Crif High Mark.

I confirm that this consent is given by my free will and not due to any solicitation by any person/entity.

This consent/authorization shall be valid for (i) a maximum period of 06 (six) months, from the date of giving the same, (ii) satisfying the End User Permitted Purpose (iii) until I withdraw my consent at any time, by informing the same to One97, at their registered office address, website, assigned email id or Paytm Platform or (iv) till the time my account on Paytm Platform is deactivated by myself or by One97, whichever is earlier.

I also consent to the CRIF High Mark Credit Score Terms of Use as annexed herewith in Part 2.

PART 2

CRIF High Mark Credit Score Terms of Use

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

One97 is my lawfully appointed agent and he / it has agreed to be my agent to obtain my Credit Information Report and Credit Score from Crif High Mark for the End User Permitted Purpose specifically for determining and improving the credit worthiness and not for any other purposes. This consent shall be valid for a maximum period of 6 months or till such time the credit information is required to be retained to satisfy the End User Permitted Purpose for which it was intended, or I withdraw my consent to store such credit information, or my account with Paytm Platform is de-activated either by myself or by One97, whichever is earlier.

I hereby expressly grant unconditional consent to, and direct, Crif High Mark to deliver and / or transfer my Credit Information to One97 on my behalf.

I shall not hold Crif High Mark 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 Credit Information to One97; (b) any use, modification or disclosure by One97 of the contents, in whole or in part, of my Credit Information, wherever authorized by me; (c) any breach of confidentiality or privacy in relation to delivery of my Credit Information to One97;

I acknowledge and accept that: (a) Crif High Mark has not made any promises or representations to me in order to induce me to provide my Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between Crif High Mark and One97 is solely the responsibility of One97.

I agree that I may be required to record my consent / provide instructions electronically or physically as the case may be, and in all such cases I understand that by clicking on the "I Accept" button below or signing this Consent physically, I am providing "written instructions" to Company authorizing One97 to obtain my Credit Information from my personal credit profile from Crif High Mark. I further authorize One97 to obtain such information solely to confirm my identity and display my Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button or signing this Consent physically, I agree to the terms and conditions, acknowledge receipt of Crif High Mark privacy policy and agree to its terms, and confirm my authorization for One97 to obtain my Credit Information.

I understand that in order to deliver the product to me, I hereby authorize One97, to obtain my Credit Information from Crif High Mark.

By submitting this registration form, I understand that I am providing express written instructions for One97 to request and receive a copy of my credit report and score from Crif High Mark.

I understand that the product is provided on an “as-is”, “as available” basis and Crif High Mark expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.

I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge Crif High Mark, 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 Crif High Mark with the authority to deliver my Credit Information to One97. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all losses resulting from claims made against Crif High Mark by third parties arising from and in connection with this letter.