Welcome to Loanify ! The terms of service clearly state that users who are younger than 18 years old and those who do not have full civil capacity, please stop using the Loanify service immediately. This agreement is an agreement between the user and Loanify regarding the use of Loanify services. When you use the Loanify service (hereinafter referred to as "Loanify"), it means that you agree and accept the constraints of the following terms (hereinafter referred to as the "Terms of Service"). "Loanify" refers to the operational associated units that may exist for its related services. "User" refers to the user of Loanify, which is more referred to as "you" in this agreement. If the user violates the terms of service or privacy agreement, Loanify can terminate the user’s membership. Loanify service

1. Currently Loanify only provides business loans to street vendors. 2. Loanify is a platform facilitating the loan transactions between the borrowers and the RBI registered NBFCs/Banks. 3. The maximum annual interest rate is less than 36% and maximum APR is 76.04%. We comply with the "Integrity Loan Act" (TILA). 4. Loanify performs multiple credit checks to ensure that the best available offers can be obtained to meet the needs of users. User information is in full accordance with the "Privacy Policy" manage. Account security

1. You can only register one account when using this service. 2. You must not share your account or login information, and you should keep your account and password properly. 3. Do not allow others to log in to your account or perform any other actions that may threaten the security of your account. 4. When you have reasonable grounds to suspect that there is a security threat, including but not limited to the loss, theft or unauthorized disclosure of login information, you must immediately notify the Loanify customer service center and modify your login information. 5. You are fully responsible for the continued confidentiality of the login information, and are responsible for all use of the login information. You may suffer account theft or password theft due to improper storage, and you are solely responsible for your own responsibility. 6. You bear full responsibility for the illegal use of this service. Including but not limited to (buying accounts, selling, renting or giving away accounts, or using false identities, information, or using other people’s identities to create accounts) 7. If you are prohibited from using the Loanify service, you will not have the right to use any of the services we provide. 8. You have the right to terminate your account on the premise that the loan is settled, and inform the Loanify customer service center that you wish to terminate the account. 9. You agree and abide by the terms of service and other related Loanify policies. You have non-exclusive, non-transferable, non-permissible and revocable limited rights. Violation of laws and regulations

1. Loanify reserves the right to reject your loan application for any reason at any time, including but not limited to (personal credit officer, untrue personal information, fraudulent use of other people's identity, photos and similarity are too low) 2. Use Loanify funds for gambling, gambling or illegal activities 3. Loans for fraudulent purposes may even face prosecution if the circumstances are serious. 4. Use loopholes to engage in any illegal arbitrage behaviour such as program modification and virus implantation. You agree that if you fail to provide loan certificates or fail to repay the loan or misrepresent your financial status or commit fraud or deception or any other such acts, Loanify will not be liable for any money or damage claims for any illegal acts. We have the right to take measures to suspend or terminate their accounts in any form of illegal arbitrage or fraudulent use of other people's accounts under appropriate circumstances. Fees and compensation

All principal, interest, fees and other penalties must be repaid by the borrower in the Loanify APP. The borrower pays loan interest every day overdue, and the borrower is obliged to pay the outstanding penalty and interest. You agree to indemnify, save and protect Loanify's affiliates, contractors, employees, managers, directors, agents and their third-party affiliates, licensors and partners from any and all claims, demands, and losses , Damages and liability injuries, costs and expenses arising from or related to your use or abuse of the service or website, application or platform, your violation of these terms and conditions, or any violation of the statement, including but not limited to legal fees and Expense your guarantees, promises, or your infringement of any intellectual property rights or other rights of any individual or entity, or due to any threatening, defamatory, obscene, harassing or offensive material you post/transmit on the website/ application. Loanify reserves the right to exclusively defend and control any matter (including the right to settle) that you need to compensate for Loanify. The costs are borne by you, and you agree to cooperate with Loanify’s defence and settlement of these claims. Loanify will make reasonable efforts to notify you of any claims, lawsuits or procedures filed by a third party, and these claims, lawsuits or procedures will be bound by the above compensation after being notified. These terms will continue to be effective after the termination of these terms and conditions. Information Security and Disclosure

Protecting your personal information is a basic principle of the Loanify team. If this agreement does not clearly stipulate the content of personal information protection, the content of the "Privacy Policy" shall prevail. The personal information you submit is only stored in encrypted servers and will not be shared with third parties. We will only publicly disclose your personal information in the following circumstances: A. After obtaining your explicit consent. B. We may publicly disclose your personal information in legal procedures, litigation or mandatory requirements of relevant government departments. Applicable Law

Your use of this platform and any terms and conditions specified in this agreement are governed by Indian laws. If any dispute arises from the use of the platform or any part of it, the courts of Lucknow will have exclusive jurisdiction. Terms update

Loanify reserves the right to change, modify, add or delete some of these terms and conditions at any time at its own discretion. We will notify you of changes to the terms of service via email or in the application. You are responsible for reviewing these terms and conditions regularly. In order to understand any updates/changes, continuing to use the application or website after modifying the terms will mean that you have accepted the changes to the terms.