The terms "WE", "OUR" and "US" refer to SaveIN and the terms "YOU", "YOUR" "USER" or “CUSTOMER” refer to you, as a user of the SaveIN Website and/or App.

In case you are using the aforementioned service, you hereby confirm to register with us to avail a loan / credit from one or more lending partners using the services provided by SaveIN.

You hereby understand and acknowledge that the information requested from you is used for the various purposes as set out in our Privacy Policy “www.savein.money/privacy-policy/”, including for the purposes of us / our partners complying with various laws, regulations and guidelines (including Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards / Combating of Financing of Terrorism (CFT) / Obligation of banks under the Prevention of Money Laundering Act, 2002) promulgated by the Government of India from time to time.

You further acknowledge that if you do not provide the requested information to SaveIN, SaveIN or its partners will be unable to provide or continue its / their services to you.

You confirm that all information given to SaveIN (whether in SaveIN’s online form or otherwise) is true, correct and not misleading. You agree to provide any additional documents to SaveIN or any of its partners as may be required from time to time.

You hereby understand that every time you wish to make a payment/avail loan/credit facility, using SaveIN, you will be provided with online loan terms and conditions. Upon accepting such terms during the course of your online loan application, you and your successors/ heirs/ executors will be bound by the terms of the loan in relation to the credit facility. You understand and agree that SaveIN may charge you a non-refundable administrative fee or a technology usage fee for facilitating the loan to be availed by you and you agree to pay the same. You must understand that this fee may not be refundable to you even if the loan is cancelled for any reason whatsoever and may change from time to time as per the sole discretion of SaveIN.

You hereby understand that when you apply for a loan, SaveIN, on behalf of one or more lending partners, may check your records, amongst other things, with its own records, and any information as available to SaveIN through any of its sources, including those at credit information companies (CICs); those at fraud prevention agencies (FPAs) for assessing your credit worthiness, verifying identity to prevent and detect crime and money laundering.

You also agree that if you avail any loans through SaveIN, you will not (i) use the proceeds thereof for any purpose other than as declared to SaveIN or our lending partners, (ii) use the Services in violation of applicable law or (iii) circumvent or attempt to circumvent the provisions of any terms that apply to you or act in a manner that is fraudulent, malicious or otherwise prejudicial to SaveIN’s reputation direct or indirect interests in relation to the Services

Your lender also has the right, and obligation, to report your details to CICs in the event that you have delayed repaying your loan instalment.

You acknowledge that SaveIN does not lend any money directly to you but arranges the loan for you from one or more lending partners.

The SaveIN Credit Limit & Loan Offer provided to you is our assessment of your eligibility based on various factors including policies of our lending partners, the market influences and our previous experiences. SaveIN can revise or cancel the credit limit & loan offer at any time. Our decision in this regard shall remain final and binding at all times, while you are free to accept or reject such terms as per your good judgement.

You acknowledge that interest rates may vary across different lenders, borrowers and loans. To understand the approach that may be followed by our lending partners in determining the interest rate.

You understand and acknowledge that SaveIN has partnered with shops, entities and institutions (“sellers”/”providers”) across the country, who are facilitating the use of SaveIN credit facility in lieu of the products and services availed through such sellers and providers. SaveIN is not a provider or seller and SaveIN or any of its affiliates are not responsible for the quality/completeness of such goods, products and services. Any product or service availed by you will be a direct responsibility of you and/or the seller/providers with no liability of SaveIN. Irrespective of the completeness or quality of such product/service, credit facility/loan availed by you while availing such products/services will remain your sole responsibility and all necessary repayments shall be made by you/ your successors/ heirs/ executors as applicable. Responsibility of repayment shall not be on the seller/provider in any case where you are the applicant of such credit facility/loan.

You acknowledge that you will be responsible to make timely repayments towards such credit facilities availed through SaveIN. All due repayments shall be made as per loan schedule, only digitally using e-payment methods like IMPS/NEFT/UPI/Debit Cards etc, through our partner payment gateway. SaveIN shall not facilitate repayments in cash or any other non- digital mode.

The use of such payment gateways shall be in accordance with the performance terms and conditions of such payment gateways. SaveIN will not be liable for any deficiency in service of such 3rd party payment gateways.

If you violate the Terms of Use or the Privacy Policy, your permission to use the Services ends and ceases immediately. We may place limits, modify or terminate your right to access and use the Services at any time. This suspension or termination may delete information, files, and other content previously available to you.

Your access to the SaveIN Services may also be terminated due to any requests by authorized law enforcement or other government agencies.

You expressly understand the use of the SaveIN Website and/or Application and its allied Platforms is at your own risk and discretion. Our Services to you are provided ‘as is’ and without any warranty or condition, expressed or implied. Without limitation, we do not warrant fitness for any error-free and uninterrupted Services. SaveIN and its subsidiaries, affiliates, officers, employees, or licensors make no warranty that:

You assume full responsibility and any risk of loss resulting from your accessing, downloading, and/or use of the files, information, content or any other material obtained from the Services.

You are responsible for any tax liability arising out of use of the SaveIN Services and any payment You receive through use of the SaveIN Website/App, including but not limited to the transactions completed, cash backs or any other rewards, and/or any kind of refunds received.

You acknowledge SaveIN is not a collection agency, financial advisor and does not provide tax services or tax advice. You should consult your tax advisor for any tax liability arising out of performing transactions on SaveIN, or your attorney for any legal advice.

SaveIN reserves the right at all times to modify, discontinue, temporarily or permanently, the SaveIN Services. You agree that SaveIN shall not be liable to you or any third party for any modification, suspension or discontinuation of the SaveIN Service.

The laws of India, without regard to its conflict of laws rules, will govern these Terms. In case of any legal action courts located in Delhi, India will have jurisdiction over such matters. In any proceedings initiated by or against us, SaveIN will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and attorney fees.

If any provision or provisions of these Terms shall be held to be invalid, illegal, or unenforceable, the validity, legality and enforceability of the remaining provisions shall remain in full force and effect.

To the maximum extent permitted by applicable law, SaveIN and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable for any indirect, incidental, special, consequential punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website and/or App and its allied Platforms; (ii) any act and, or conduct and, or content and, or omission of any third-party on the services including without limitation, any defamatory, offensive or illegal conduct of other users or third-parties; (iii) any content from the Website and/or App and its allied Platforms; or (iv) unauthorised access, use or alteration of your transmissions or content.

Notwithstanding anything else contained in these Terms of Use, we shall not be held liable in any manner hereunder as a result of an event of Force Majeure.

For the purpose of this clause, “Force Majeure” means and includes wars, insurrections, revolutions, fires, floods, epidemic, pandemic, quarantine restrictions, freight embargoes, declared general strikes in relevant sectors, natural disasters or such other acts or events which are beyond our reasonable control.

All provisions of these Terms of Use which by their nature should survive termination will survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

We may from time to time change and implement the Terms of Use.

We may assign or transfer our agreement with you including our associated rights and obligations at any time and you agree to cooperate with us in a connection with such an assignment or transfer.

We recommend that you periodically check this page for any revised terms. We may provide additional or modified services on revised terms and conditions available on the Website/App. You can elect to opt out of such services by discontinuing/uninstalling the Website/App. However, your continued use of any services beyond a period of 10 days from the date of publication will be deemed to constitute your acceptance of all such revised terms. We do not accept any liability based on your ignorance or negligence to keep Yourself updated regarding the revised terms and conditions.

Your compliance with these Terms of Use grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the SaveIN Website and/or App and its allied Platforms (including Services).

As per New DLG circular of June 23 - We, SaveIN Fintech Private Limited hereby declare and confirm - the Total number of portfolio and respective amount of each portfolio on which DLG has been offered are as below