Introduction

Welcome to www.sampanfinancial.com Website (the “Site”) maintained & operated by Sampan Financial Services Private Limited (SFSPL). SFSPL provides its services to you subject to the following conditions. Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use and the linked Privacy Policy. We strongly recommend that, as you read this ToU, you also access and read the linked information, since it is incorporated into and hereby made part of this ToU. This ToU is effective upon acceptance.

Use of any functionality of the Site constitutes acceptance of this ToU. If this ToU conflicts with any other documents, the ToU will control for the purposes of usage of the Site. If you do not agree to be bound by this ToU and the Privacy Policy, you may not use the Site in any way. Be sure to return to this page periodically to review the most current version of the ToU. We reserve the right at any time, at our sole discretion, to change or otherwise modify the TOS without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified TOS.

1 – Description of Services

In the Site(www.sampanfinancial.com), SFSPL provides users with access to information primarily about Financial Services including, but not restricted, to loans, credit cards, and communication, services (the “Services”). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges.) In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this Site, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that SFSPL may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfill your demand. You specifically understand and agree that by using this website you authorize SFSPL and its affiliates and partners to contact you in for any follow up calls and/or renewal reminders in relation to the insurance services provided through this website. You also agree that SFSPL reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from SFSPL through email ,SMS, or Whatsapp .

Client agrees to expressly authorize Ruloans to send service-related transactional text messages, whatsapp messages and make calls even if client’s contact number is listed as DND with the concerned telecom regulatory authority.

2 – License and Site Access

SFSPL grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as, the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in SFSPL’s sole discretion) an unreasonable or disproportionately large load on SFSPL’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by SFSPL to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by SFSPL. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) “frame”, “mirror” or otherwise incorporate any part of this Site into any other Website without our prior written authorization.

3 – Eligibility

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by SFSPL for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.

4 – Your Account

In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Site to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about the ToU and/or Privacy Policy) that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or SFSPL has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, SFSPL has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). If you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify SFSPL immediately of any unauthorized use of your account or any other breach of security. SFSPL reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the ToU or Privacy Policy. Additional terms and conditions will apply to your purchase of services that you select. Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any supplier with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the supplier’s rules and restrictions regarding such services availed. You agree that any violation of any such supplier’s rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable Service(s), in your forfeiting any monies paid for such Services, and/or in our debiting your account for any costs we incur as a result of such violation.

5 – Submitted Content

SFSPL does not claim ownership of any materials you make available through the Site. At SFSPL’s sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant SFSPL a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content). You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section 4. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site.

6 – Disclaimer of Liability and Warranty

The Content, and Services provided through this Site may include inaccuracies or errors, including pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, and services we expressly reserves the right to correct any pricing errors on the Site and/or on pending reservations made under an incorrect price. SFSPL makes no representation about the suitability of the information, software, products, and services contained on this Site for any purpose, and the inclusion or offering of any products or services on this Site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided “AS IS” without warranty of any kind. SFSPL disclaims all warranties and conditions that this Site, its services or any email sent from SFSPL, its affiliates, and/or their respective suppliers are free of viruses or other harmful components. SFSPL hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The suppliers providing services on this Site are independent affiliates are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such suppliers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. SFSPL and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall SFSPL and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this Site or with the delay or inability to access, display or use this Site (including, but not limited to, your reliance upon opinions appearing on this Site; any computer viruses, information, software, linked Sites, products, and services obtained through this Site; or otherwise arising out of the access to, display of or use of this Site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if SFSPL and/or its affiliates their respective suppliers have been advised of the possibility of such damages.

7 – Disclaimer of Online Availability,Impressions, And Click-Throughs

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.sampanfinancial.com, its webpages, and any material, information, links, or content presented on the web pages at www.sampanfinancial.com, its web pages, and any material, information, links, or content presented on the web pages at www.sampanfinancial.com, may be unavailable for online access at any time. Advertising sponsors and advertising must be approved by SFSPL before the posting of any advertising material, information, links, content, banners, and graphics on www.sampanfinancial.com. Any advertising should be related to interactive digital television and related subject areas. SFSPL reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

8 – License Disclaimer

Except as the License granted per paragraph 2 of this ToU, nothing on any SFSPL’s Website shall be construed as conferring any license under any of SFSPL’s or any third party’s intellectual property rights, whether by estoppel, implication, or otherwise.

9 – Local Laws

SFSPL controls and operates this Site from its headquarters in Hisar, India and makes no representation that the materials on the Site are appropriate or available for use in other locations. If you use this Site from other locations, you are responsible for compliance with applicable local laws. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. Disputes if any shall be subject to the sole and exclusive jurisdiction of Courts at Hisar,Haryana.

10 – Limitation of Liability

You expressly understand and agree that SFSPL and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if SFSPL has been advised of the possibility of such damages), resulting from use of the Site, content or any related services. If, despite the limitation above, SFSPL or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of SFSPL and/or Its Affiliates will in no event exceed, in the aggregate, the greater of (a) the service fees you paid to SFSPL in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100). The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of SFSPL, Its Affiliates, and/or their respective suppliers.

11 – Indemnity

You agree to indemnify and hold SFSPL (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys’ fees, or arising out of or related to your breach of this ToU, your violation of any law or the rights of a third party, or your use of the Site.

12 – Electronic Communication

When you use the Site or send emails to SFSPL, you are communicating with SFSPL electronically. You consent to receive communications from SFSPL electronically. SFSPL may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

13 – Site-Provided Email and Postings

The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. SFSPL is under no obligation to review any messages, information or content (“Postings”) posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, SFSPL may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree not to use any functionality provided by the Site to post content or initiate communications that contain: (i) any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law; (ii) advertisements or solicitations of any kind; (iii) impersonate others or provide any kind of false information; (iv) personal information such as messages which state phone numbers, account numbers, addresses, or employer references.; (v) messages by non-spokesperson employees of SFSPL purporting to speak on behalf of SFSPL or containing confidential information or expressing opinions concerning SFSPL; (vi) Messages that offer unauthorized downloads of any copyrighted or private information; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; or (ix) identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message. This prohibition includes but is not limited to: a) using SFSPL to send messages to people who don’t know you or who are unlikely to recognize you as a known contact; b) using SFSPL to connect to people who do not know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases.

14 – Links

The Site or third parties may provide links to other Websites or resources. Because SFSPL has no control over such sites and resources, you acknowledge and agree that SFSPL is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that SFSPL 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 site or resource.

15 – Access To Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

16 – Modification and Notification of Changes

SFSPL reserves the right to make changes to the Site, related policies and agreements, this ToU and the Privacy Policy at any time. If SFSPL makes a material modification to this ToU, it may notify you by: (i) displaying a prominent announcement above the text of this ToU or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of a modification to the ToU or the Privacy Policy has been posted for 30 days, the notice will be removed. If you have not used the Site for more than 30 days, you should check the ToU and/or Privacy Policy prior to any further use of the Site. Should you wish to terminate your account due to a modification to the TOS or the Privacy Policy, you may do so by sending an email with the subject line “Termination” to the following email address: support@sampanfinancial.com. If you choose to continue using the Site, you agree that by doing so you will be deemed to accept the new ToU or Privacy Policy, as relevant.

17 – Trademarks

The trademarks, logos and service marks (“Marks”) displayed on the Site are the property of SFSPL and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or Sites on the World Wide Web without the written permission of SFSPL or such third party which may own the Marks. All information and content including any software programs available on or through the Site (“Content”) is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

18 – Survival of Terms After Agreement Ends

Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.

19 – General

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the partie’s intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. This ToU and the relationship between you and SFSPL will be governed by the laws of the India without regard to its conflict of law provisions. You and SFSPL agree to submit to the personal jurisdiction of the courts located in Mumbai jurisdiction with respect to any legal proceedings that may arise in connection with this ToU. The failure of SFSPL to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. SFSPL does not guarantee it will take action against all breaches of this ToU. Except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between you and SFSPL and governs your use of the Site, superseding any prior agreements between you and SFSPL with respect to the site.