Terms and Conditions

To,

Trans Union 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 400013

Sub: Grant of Consent

Dear Sir/Madam,

In connection with the submission of the application for my credit information ("Consumer Credit Information") and other related products ("Credit Products") offered by CIBIL through Ruloans Financial Services Pvt Ltd (referred to as the "Company") and delivery of the Consumer Credit Information and Credit Products to the Company, I hereby acknowledge and agree to the following:

A. I understand that Ruloans Financial Services Pvt Ltd is part of the RULOANS group. The Company is my lawfully appointed agent, and it has agreed to act on my behalf for the purposes of receiving and using the Consumer Credit Information from TUCL. The Company has granted its consent for this appointment.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information and Credit Products from TUCL on my behalf. I represent and acknowledge that the terms regarding the use of the Consumer Credit Information and Credit Products have been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver my Consumer Credit Information and Credit Products to the Company on my behalf.

D. I agree that my consent shall be stored by the Company on a permanent basis and shall be verifiable from time to time. The Company cannot access the Consumer Credit Information for more than six months on a single Consumer Consent, and this consent must be refreshed every six months. The stored Consumer Credit Information shall be deleted after the stated retention period or upon my withdrawal of consent.

E. I shall not hold TUCL responsible for any loss, claim, or liability arising from: (a) delivery of my Consumer Credit Information and Credit Products to the Company; (b) any use, modification, or disclosure of my Consumer Credit Information or Credit Products by the Company; or (c) any breach of confidentiality regarding the delivery of my Consumer Credit Information to the Company.

F. I acknowledge that TUCL has made no promises or representations to induce me to provide my Consumer Credit Information.

G. I agree that by clicking on the "I Accept" button, I am providing "written consent" authorizing the Company to obtain my Consumer Credit Information from TUCL for verification and display purposes.

H. I authorize Ruloans to obtain my Consumer Credit Information and Credit Products to deliver the product to me.

I. By submitting this registration form, I authorize Ruloans to request and receive information about me, including my credit report and score, from third parties while my Ruloans account is active.

J. I understand that the product is provided "AS-IS" and "AS AVAILABLE," and TUCL disclaims all warranties, including merchantability and fitness for a particular purpose.

K. I release TUCL from any liabilities, claims, or losses arising from the submission of my Consumer Credit Information or my decision to provide TUCL with this authority.

L. I agree that these terms are governed by the laws of India and subject to the exclusive jurisdiction of the courts in Mumbai. TUCL may assign its rights under this agreement without my consent.