Navigating the Journey

Your Guide to Terms and Conditions

LAST UPDATED ON: 20-07-2023

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 and Privacy policy available at 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.


  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.
  1. 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.

  1. 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.

  1. 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.

  1. 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.
  1. 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.
  1. 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.

  1. 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.
  1. 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.

  1. 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).
  1. 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.

  1. 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.
  1. 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.
  1. 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.

  1. Profile Ownership and Editing Rights

We ensure easy access to the Users by providing a tool to update your profile information. We reserve the right to moderate the changes or updates requested by you and we shall take an independent decision on whether to publish or reject the requests submitted for the respective changes or updates in your profile. You hereby represent and warrant that you are fully entitled, under applicable law, to provide information as part of your profile or otherwise while using our Services, and that no such information breaches any third-party rights, including intellectual property rights and applicable data protection laws. Upon becoming aware of a breach of the foregoing representation, we may modify or delete parts of your profile information at our sole discretion with or without notice to you.

  1. Rights and Obligation relating to the usage of the Platform

Users shall be prohibited from carrying out any illegal acts on the Platform including but not limited to acts mentioned below:

  • Intentionally submitting on the Platform any incomplete, false or inaccurate information,
  • Circumventing or disabling any digital rights management, usage rules, or other security features of the Platform,
  • Transmitting any information on or through the Platform that is disruptive or competitive to the provision of our Services,
  • Violating or attempting to violate the integrity or security of the Platform,
  • Using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Platform,
  • Any unlawful activities in the Platform which are prohibited by laws of India.

In case of non-compliance with any applicable laws, rules or regulations, or the Terms and Conditions (including the Privacy Policy) by a User, we shall have the right to immediately terminate your access or usage rights to the Platform and Services and to remove non-compliant information from the Platform.

The Company shall, upon obtaining knowledge by itself or been brought to actual knowledge by an affected person in writing or through email signed with electronic signature about any such information as mentioned above, be entitled to disable such information that is in contravention of this Clause. We shall also be entitled to preserve such information and associated records as per applicable laws for production to governmental authorities for investigation purposes.

We may disclose or transfer User-generated information to our affiliates or governmental authorities in such manner as permitted or required by applicable law, and you hereby consent to such transfer. In accordance with the applicable laws, we shall transfer sensitive personal data or information including any information, to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by us, only if such transfer is necessary for the performance of the lawful contract between Company or any person on its behalf and the User or where the User has consented to data transfer.

  1. Company and User Materials

While rendering Services, the Company directly or through its representatives, may provide Users with certain materials relevant to the Services, which may be in the form of audio, video, written and oral content (“Company Materials”). Company Materials shall be the exclusive property of the Company. The User hereby agrees and acknowledges that he/she shall ensure that the Company Materials are not shared with any third party, without the Company’s written consent and any breach of such nature shall cause financial and irreparable injury to the Company. The Company hereby provides the User with a revocable, non-exclusive, non-transferable, non-sublicensable, limited license to use the Company Materials solely for its personal purpose and not for any commercial use. While availing Services, the User may submit various materials to the Company in the form of audio/video/written content, (“User Materials”). The User hereby provides the Company with an exclusive, transferrable, perpetual and irrevocable license to use the User Materials for its use. The User hereby agrees and acknowledges that User Materials shall not infringe any intellectual property rights of third-party and shall be responsible for any claims arising out of infringement.

  1. Modification

The Company reserves the right, at any time and with sole discretion, to change, modify, or amend the Platform (in whole, or in part) or any of its Services (in whole, or in part), in compliance with the applicable legal and regulatory framework. You agree that the Company will not be liable to you for any change, modification or amendment of the Platform or its Services, or any part thereof.

  1. Support

The Company offers an email-based support system along with an online knowledge pool of FAQs. In case you require any assistance or support, you may access support resources or contact our support by emailing at

The Company shall respond to every complaint within 24 working hours of receipt of the complaint. Further, the Company shall take best possible efforts to redress the complaint within 15 working days of receipt of the complaint. Any suggestions by the Company regarding the use of the Services shall not be construed as a warranty.

The User agrees and acknowledges that the Company shall address and attempt to resolve the complaint received in accordance with the standard policies and procedures adopted by the Company; the User’s disapproval/discontent with the outcome/mode of redressal shall not be deemed to mean non-redressal of the complaint by the Company.

  1. Termination

We may terminate your usage of the Platform at any time for any reason, including breach of the Terms and Conditions. We have the right (but not the obligation) to refuse to grant access to Platform. Except for the rights and licenses granted in these terms, we reserve all other rights and grant no other rights or licenses, implied or otherwise.

Once temporarily suspended, indefinitely suspended or terminated, the User may not continue to use the Platform under the same account, a different account or re-register under a new account. On termination of an account due to the reasons mentioned herein, such User shall no longer have access to data, messages and other material kept on the Platform by such User. All provisions of the TOS, which by their nature should survive termination, shall survive termination, including, without limitation, warranty disclaimers, indemnity and limitations of liability.

  1. Indemnification

You shall defend, indemnify, and hold harmless the Company, its affiliates/subsidiaries/joint venture partners and each of its, and its affiliates’/subsidiaries/joint venture partners’ employees, contractors, directors, suppliers and representatives from all liabilities, losses, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to (i) your violation of the Terms and Conditions; or (ii) any applicable law, contract, policy, regulation or other obligation; or (iii) your use or misuse of, or access to, the Services and Platform. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in connection therewith.

  1. Limitation of Liability

To the fullest extent permitted by law, in no event shall the Company (including its directors, employees, agents, sponsors, partners, suppliers, content providers, licensors or resellers,) be liable under contract, tort, strict liability, negligence or any other legal or equitable theory with respect to the services (i) for any lost profits, data loss, loss of goodwill or opportunity, or special, indirect, incidental, punitive, or consequential damages of any kind whatsoever, (ii) for your reliance on the services (iii) for any direct damages (iv) for any matter beyond its or their reasonable control, even if the Company has been advised of the possibility of any of the aforementioned damages.

  1. Exemptions to liability of Company

You further agree and confirm that Company shall not be responsible, in any manner whatsoever, for any delay/unavailability of Services or failure to meet its obligations under the Terms and Conditions, which may be caused, directly or indirectly, due to:

  • Any event beyond Company’s reasonable control
  • Your failure to cooperate
  • Your failure to provide or facilitate the submission of User Materials in a timely manner
  • Your unavailability and/or unresponsiveness
  • Your failure to provide accurate and complete information.
  1. Force Majeure

The Company shall not be liable for any failure or delay in the performance of its obligations under this Agreement to the extent such failure or delay both:

  • is caused by any of the following: acts of war, terrorism, civil riots or rebellions, strikes; quarantines, embargoes and other similar unusual governmental action; extraordinary elements of nature or acts of God (other than localized fire, hurricane, tornado or flood); change in law/rules/regulations relevant to the supply of Services (“Force Majeure”); and
  • could not have been prevented by the Company’s reasonable precautions or commercially accepted processes or could not reasonably be circumvented by the Company through the use of substitute services, alternate sources, work-around plans or other means by which the requirements of a buyer of services substantively similar to the services hereunder would be satisfied.

Upon the occurrence of a Force Majeure event, the Company shall be excused from any further performance or observance of the affected obligation(s) for as long as such circumstances prevail. The Company will endeavour to attempt to recommence performance or observance to the greatest extent possible without delay.

  1. Survival

Notwithstanding termination or expiration of this Agreement, all rights, obligations, indemnities, existing commitments or any contractual provisions which by their nature are intended to survive termination or expiration shall survive such termination or expiration including without limitation clauses related to Limitation of liability, Indemnity, Warranty, Confidentiality and Intellectual Property, Assignment, Dispute Resolution, Governing Law and Jurisdiction.

  1. Governing Law

These Terms and Conditions shall be governed by the laws of India without regard to its conflict of law provisions. You and the Company agree to submit to the personal and exclusive jurisdiction of the state and federal courts located at Mumbai, India.

  1. Miscellaneous
  • Terms and Conditions are the entire agreement and understanding between you and the Company with respect to the Services and usage of Platform
  • The Terms and Conditions are personal to you, and are not assignable or transferable by you except with the Company’s prior written consent. The Company may assign, transfer or delegate any of its rights and obligations hereunder without any consent.
  • The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.
  • No agency, partnership, joint venture, or employment relationship is created as a result of the Terms and Conditions and neither party has any authority of any kind to bind the other in any respect. All notices under the Terms and Conditions will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or two days after it is sent, if sent for next day delivery by recognized overnight delivery service.
  • If any provision of the Terms and Conditions are found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms and Conditions will otherwise remain in full force and effect and enforceable.
  1. Grievance Redressal Mechanism

In case the borrower has any grievance about any of the aspects concerning the loan/lease availed, he/she shall first bring it to the notice of the Company at [Mr. Pramod Marar] on [].

Any discrepancies or grievances with regard to content and or comment or breach of the Terms and Conditions shall be taken up with the designated Grievance Officer as mentioned below via in writing or through email signed with the electronic signature to

Attention: Mr. Pramod Marar
Email ID:
Address: I-202, The Trees, Pirojshanagar, Vikhroli East, Mumbai – 400079, Maharashtra, India.

  1. Contact us

If you have any questions regarding the Services or usage of the Platform, please contact the Company at