Terms & Conditions

TAPSYS Private Limited, having its registered office at I-202, The Trees, Pirojshanagar, Vikhroli East, Mumbai – 400079, Maharashtra, India (“Company” or “we” or “us”), is the owner of the Webpage application and Mobile Application titled ‘TapFin’ (collectively referred as the “Platform”).

The Company requests the User (as defined below) to carefully go through these terms & conditions (“Terms of Service” or “TOS” or “Terms”) prior to accessing the Platform or availing Services (as defined below) using the Platform. If the User continues to browse and use the Platform to avail Services, the User irrevocably and unconditionally is agreeing to comply with, abide by and be bound by all these obligations as stipulated in this TOS, which together read with our Disclaimer policy available at https://www.tapfin.in/Disclaimers and Privacy policy available at https://www.tapfin.in/PrivacyPolicy and any other applicable policies referred to herein or made available on the Platform (collectively referred as “Terms and Conditions”). The Terms and Conditions shall govern the Company’s relationship with the User in relation to the usage of the Platform. These Terms and Conditions supersede all previous oral, written terms and conditions (if any) communicated to the User and shall act as a binding agreement between the Company and the User.

IF YOU DO NOT AGREE TO BE BOUND BY ALL TERMS AND CONDITIONS CAPTURED IN THE TOS, PLEASE DO NOT USE THE PLATFORM OR SERVICES.

1. Definitions

• “Company,” “we,” “us,” or “our” means Tapsys Private Limited and any other companies that are its parent, subsidiaries and affiliates.
• “User” or “you” or “your” shall mean any person or entity who shall avail Services on the Platform, or his/her representatives or affiliates who are registered on the Platform.
• “Service(s)” means services provided through the Platform, as described in further detail under clause 3 below. The Services provided through the Platform may change from time to time, at the sole discretion of the Company.

2. Updation of Terms and Conditions

Your use of the Platform is subject to the Terms and Conditions, which may be updated, amended, modified or revised by us from time to time with/without notice to you. To ensure that you are aware of any additions, revisions, amendments or modifications that we may have made to these Terms and Conditions, it is important for you to refer to the Terms and Conditions from time to time. The updated Terms and Conditions shall be effective immediately and shall supersede these/any prior Terms and Conditions. We shall not be under an obligation to notify you of any changes to the Terms and Conditions. You shall be solely responsible for reviewing the Terms and Conditions from time to time for any modifications. If you continue to use the Platform/Services after the Updated Terms and Conditions have been published, it shall be deemed that you have read and understood and accepted the Updated Terms and Conditions. Any reference to Terms of Service, TOS, made herein shall refer to the latest version of the Terms of Service.

3. Service(s) provided to Users

Kindly note that the list provided on the Platform is exhaustive. The Company is offering the Platform for the usage of the User(s) who are residing in India and Company expects that the Services shall be availed only by the User (s) residing in India. Company disclaims all the responsibilities/liabilities arising out of or in relation to any claim arising out of or in relation to the (a) usage of the Platform outside the territory of India; (b) availing Services from outside the territory of India. In the event of the User breaching the aforesaid condition, the User hereby agrees to defend, indemnify and hold the Company, its directors, employees, successors, assignors harmless from any claims arising out of or in relation to the breach of the said condition in relation to the usage of the Platform.

The Company may, upon prior intimation or without prior intimation, reserve the right to modify the Services provided to the Users. In the event of such modifications/amendments to the Services, the same shall be published on the Platform.

4. Eligibility

By using the Platform, you affirm that you are at least 18 years of age and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, warranties set forth in the Terms and Conditions, and to abide by and comply with the terms stated therein. Registration of User in the Platform is available only to persons who can form legally binding contracts.

5. User Account Registration

• User who is at least 18 years of age may create an account and avail the Services. In order to use the Platform, you have to create an account (“Account”).
• You can create an Account by signing up on the Platform using your phone number/email ID and any other additional details that the Platform requires you to provide at the time of registration.

6. Platform License

• Subject to your compliance with the TOS, the Company grants you a limited, non-exclusive, non-transferable license: (i) to view, download and print any content of Platform solely for your personal and non-commercial purposes; and (ii) to access, modify, edit and download any content, to which you are permitted access solely for your personal and non-commercial purposes. You have no right to sublicense the license rights granted herein.
• You will not use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Platform and Services, except as expressly permitted in the TOS. No licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by Platform or its licensors, except for the licenses and rights expressly granted in the TOS.

7. Additional Conditions for Loanees/Lessees

If you are a User who is a Loanee/Lessee and has applied for a loan/lease under the Platform, you agree that in addition to these Terms, you will also be bound by the additional terms and conditions shared by the Company applicable to individuals who apply for loan/lease from the Company. You also hereby expressly consent to the Company and any entity engaged by the Company to provide the Services having access to your financial data such as your credit score and other information that is required in order to determine your loan/lease eligibility.

8. Fees

• Each Party shall comply with applicable tax laws, be liable to fulfill its tax obligations and incur tax, charges, cost and fees as applicable
• Access to the Platform is free of cost and the Company is not charging any fees for usage of the Platform.

9. Confidentiality and Intellectual Property

“Confidential Information” shall include but not be limited to any information concerning products, services, features, processes, inventions, ideas, software design, architecture, source and object code, documentation & specifications, know-how, research and development, customers, trade secrets and other proprietary information of the Company. This Confidential Information shall belong solely to the Company and you shall not use or disclose this Confidential Information without the prior written consent of the Company unless such Confidential Information becomes generally publicly available without your breach of this Agreement.

10. The Platform is protected by copyright, trademarks, patents, trade secret and/or other relevant intellectual property laws. No information, content or material from the Platform may be copied, reproduced, republished, duplicated, uploaded, posted, transmitted or distributed in any way without the Company’s express written permission. You are hereby given a limited licence to use the Platform for your personal and non-commercial use, subject to your agreement of these Terms. You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Platform. Use of Your Information and Content and other content displayed on the Platform

• You acknowledge and agree that we may preserve your information and may also disclose your related information if required to do so by law; or in good faith believe that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these TOS; (c) respond to claims that any of your usage of the Platform violates the rights of third parties; (d) detect, prevent, or otherwise address fraud, security or technical issues; or (e) protect the rights, property, or personal safety of the Platform, its users, or the public.
• We reserve the right to maintain, delete or destroy all information and materials posted or uploaded through the Services pursuant to our internal record retention and/or destruction policies. We (may/may not) make use of third-party cloud services providers or use our own service infrastructure for hosting the servers and databases. While we make commercially reasonable efforts to ensure that the data stored on our servers is persistent and always available to the User, we will not be responsible in the event of failure of the third-party servers or any other factors outside our reasonable control that may cause the User’s data to be permanently deleted, irretrievable, or temporarily inaccessible.
• If you create, transmit, submit, display, or otherwise make available any information while using the Services, you may provide only information that you own or have the right to use. We may only use the information you provide as permitted by our Privacy Policy and applicable law. For example, we will never share your personally identifiable information without your prior permission. Please closely review our Privacy Policy for more information regarding how we use and disclose your personal information. Our Privacy Policy is hereby incorporated into these Terms of Use by this reference
• You agree to only provide such information that does not violate the law or any person’s rights (including intellectual property rights).

11. Third-Party Services

The Company shall provide Users to connect with third-party service providers. The Company is not responsible for, and does not endorse, any third-party services mentioned on the Platform. It is hereby stated that the Company shall in no way be responsible for any acts or omissions of third parties. Any transaction, dealings or communication otherwise that the User may have with such third-parties are at the User’s own risk and we make no warranties, express or implied regarding the quality or suitability of the services or products of such third-party vendors.

12. Rules and Conduct

• As a condition of use, you promise not to use the Services for any purpose that is prohibited by the TOS; or other rules or policies implemented by us from time to time; or in violation of any applicable laws.
• By way of example, and not as a limitation, you shall not (and shall not permit any third party to) take any action that: (i) would constitute a violation of any applicable law, rule or regulation; (ii) is threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortuous, obscene, offensive, or profane; (iii); infringes on any intellectual property or other rights of any other person or entity or (iv) impersonates any person or entity. The Company reserves the right to disable any Account from the Platform at any time for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities; or if the Company is concerned that you may have violated the Terms of Use), or for no reason at all with or without notice to the User/Users.
• You shall not (directly or indirectly): (i) take any action that imposes or may impose an unreasonable or disproportionately large load on Company’s (or its third-party providers’) infrastructure; (ii) bypass any measures we may use to prevent or restrict access to the Platform (or parts thereof); (iii) interfere or attempt to interfere with the proper working of the Platform or any activities conducted on the Platform; (iv) modify, translate, or otherwise create derivative works of any part of the Platform; (v) decipher, decompile, disassemble, reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Platform, except to the limited extent applicable laws specifically prohibit such restriction; or (vi) copy, rent, lease, distribute, or otherwise transfer any or all of the rights that you receive hereunder.
• You shall not share any information that: (i) may be harmful to minors or children below the age of 18 (eighteen) years; (ii) is invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever and (iii) threatens the unity, integrity, defence, security or sovereignty of the country, friendly relations with foreign states or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting to any other nation; (iv) impersonate any person; (v) violates any laws for time being; and (vi) infringes any patent, trademark, copyright or other proprietary rights.

13. Alerts Provided by The Company

• The Company provides you with multiple automatic alerts while providing Services.
• You understand and agree that any alerts provided to you through the Platform may be delayed or prevented by a variety of factors. We will do our best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert.
• You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

14. Contact You

You agree that we may contact you through telephone, Email, SMS, or any other means of communication for the purpose of:

• Resolving any complaints, information, or queries by other Users;
• Obtaining feedback in relation to Platform/Services and
• You agree to provide your fullest co-operation further to such communication by the Company.

By submitting suggestions or other feedback regarding our Services/Platform, you agree that we can use and share such feedback for any purpose without any compensation to you and we are under no obligation to keep such feedback confidential.