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TERMS & CONDITIONS


 * MoneyTap - Your Personal Credit Line

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 * Terms & Conditions

Effective Date: 23rd December, 2021




The website www.moneytap.com and MONEYTAP mobile application (jointly “App”) are
owned and operated by MWYN TECH PRIVATE LIMITED (“MWYN”) a company incorporated
under the provisions of the Companies Act, 2013, and having its registered
office at G-405, 4th Floor - Gamma Block, Sigma Soft Tech Park, Varthur Kodi,
Whitefield Post, Bangalore 560 066. To access or use the App on any compatible
device and avail Services you are required to accept these Terms and Conditions
(“T&Cs”). By accepting these T&Cs, you signify that you have read, understood
and agree to be bound by these T&Cs and any other applicable law, whether or not
you are a registered member of the App. As used herein, “User” shall mean anyone
who uses or accesses the App on any computer, mobile phone, tablet, console or
other device (collectively, “Device”) and/or avails the Services. Your continued
use of the App and/or availing of the Services shall be constituted as your
acceptance to the T&Cs, as revised from time to time. If you do not agree with
these T&Cs, please do not access and use the App or avail such Services. For the
purposes of these T&Cs, “we”, “our” and “us” shall mean MWYN, and/or third-party
service providers engaged by MWYN to render certain Services on the App and
‘you’ and ‘your’ shall mean a User who meets the eligibility criteria set out
below.

1. TERMS AND CONDITIONS

 * 1.1. We reserve the right to update or modify these T&Cs at any time. Your
   access and use of the App following any such change constitutes your
   agreement to follow and be bound by these T&Cs, as updated or modified. For
   this reason, we encourage you to review these T&Cs each time you access and
   use the App and/or avail our Services.

2. PURPOSE

 * 2.1. We are India’s first credit line app that offers personal loan and
   credit card, in partnership with leading banks & NBFCs (“Partners”). User can
   avail personal loans, credit card or credit line by completing the entire
   application process on the App itself. Further, the User can withdraw from
   the approved credit limit and repay the EMIs of the loan using the App
   itself.

3. SERVICES

 * 3.1. MWYN shall endeavor to find a Partner best suited for your requirements.
   You understand that you have agreed to avail credit/loan facility with the
   Partner (“Credit Facility Agreement”), in order to enable you to purchase
   various products/services utilizing the funds made available to you by the
   Partner. MWYN shall facilitate the execution of the Credit Facility
   Agreement. While MWYN shall make reasonable efforts to ensure that you find a
   suitable Partner, MWYN does not guarantee that such Partners shall meet your
   requirements or expectations.
 * 3.2. Partner will determine and approve the credit limit sanctioned to you,
   details of which shall be available on your Account. Subject to this credit
   limit, the Partner may, at its sole discretion, allow disbursements, by
   confirming the disbursal amount and other terms and conditions of the
   disbursal (as determined by the Partner) as set out on the App and in the
   Credit Facility Agreement.
 * 3.3. MWYN shall provide the following facilities to you (“Services”):
   
   3.3.1. to facilitate the credit facility from the Partner and enable the
   execution of Credit Facility Agreement with such Partner in this regard;
   3.3.2. to facilitate collection of equated monthly instalment (as determined
   by the Partner), (either directly or its affiliates or through third party
   service providers) from you in order to forward it to the Partner in relation
   to the credit facility you have obtained; and
   3.3.3. to create and maintain your Account in connection with the Services,
   on the App.

 * 3.4. MWYN is the technology and operating partner to its Partner(s). As a
   service provider, MWYN shall undertake communication, transaction and
   processing on behalf of its Partners. At no point, MWYN is representing
   itself as a lending company. All terms pertaining to your credit facility
   with the Partner is set out in the Credit Facility Agreement.
 * 3.5. MWYN reserves the right, without any prior notice to: (i) add new
   services; (ii) modify existing Services; and/or (iii) remove portions of the
   Services, as and when it deems fit and at its sole discretion.

4. ELIGIBILITY

 * 4.1. You represent and warrant that you are competent and eligible to enter
   into a legally binding agreement and be bound by these T&Cs. You shall not
   access and use the App or avail our Services if you are not competent to
   contract under the applicable laws, rules and regulations.
 * 4.2. For accessing the App and availing its Services, you, as a User, further
   represent that you are an Indian national having tax residency in India. You
   also represent and assure that you are not a tax resident of any other
   country.
 * 4.3. We maintain the right to render Services to only those users who are –
   a) competent to enter into legally binding contracts, b) have made the
   representations as provided above, c) and also qualify under the internal
   policy(ies) for the same determined solely by us from time to time. We shall
   have the sole right to change, modify, add or remove, in whole or in part,
   its internal policy(ies), in relation to the provision of the Services at any
   time without any prior written notice or intimation to the Users. Further, we
   shall have the right to not entertain any requests in relation to the same,
   from the Users towards such Services without assigning any reason.
 * 4.4. We shall have the right to not process a transaction through the App, if
   MWYN in its sole discretion determines that such transaction undertaken by a
   User is not authorized by such User or that the transaction is not genuine or
   suspicious.
 * 4.5. If you represent a company, partnership firm or sole proprietorship, you
   shall be eligible to access the App and avail of the features and facilities
   on its behalf only if you have been duly authorized by way of necessary
   corporate action, as may be prescribed statutorily and/or under the charter
   documents of such entity and further, if you have fulfilled such additional
   eligibility requirements as MWYN may require in connection therewith.

5. REPRESENTATIONS, WARRANTIES AND UNDERTAKING

 * 5.1. The information and data contained in the App do not constitute an offer
   to buy or sell or solicitation of an offer to buy or sell any Services in any
   jurisdiction other than India.
 * 5.2. All information provided by you to MWYN is accurate, correct and true.
 * 5.3. You acknowledge and agree that MWYN is entitled to remove any/all the
   information on the App that is in contravention of these T&Cs.
 * 5.4. You hereby authorize MWYN, to make any enquiries with any other finance
   company/bank/registered credit bureau regarding your credit history with
   them, in connection with the Services under these T&Cs.
 * 5.5. You agree to not engage in any activities pertaining to the Services
   that are contrary to any applicable law or regulation or the terms of any
   agreements you may have with MWYN and/or the Partner.
 * 5.6. You agree not to (i) create multiple Accounts or fake Accounts; (ii)
   create Accounts fraudulently; and/or (iii) use the App for any unlawful or
   immoral purpose.
 * 5.7. You understand that MWYN does not provide any warranties for its
   Services and shall not be made liable for any claims made by you or any third
   party. In this regard, you undertake to accept and be solely liable for the
   Services availed by you from MWYN. You further undertake to indemnify and
   hold harmless MWYN, its affiliates and their respective directors, officers,
   employees, agents and representatives against all damages suffered or losses
   incurred by MWYN arising due to any act, omission or claim initiated by you
   or any third party in relation to the Services availed by you or in case of
   breach of these T&Cs or any warranty by you.

6. DELAYS IN PROCESSING

 * 6.1. You understand that there might be inadvertent delays while the Services
   are being rendered to you, including but not limited to, at the time of
   making a purchase or making payment to the merchant. Please note that any
   transaction may be cancelled till the time it is confirmed by MWYN.

7. COLLECTION

 * 7.1. You agree to:
   
   7.1.1. allow MWYN (or its third party service providers), on behalf of the
   Partner, to send you payment reminders from time-to- time;
   7.1.2. allow MWYN (or its third party service providers), on behalf of the
   Partner, to engage in collection efforts to recover amounts that you failed
   to pay to MWYN or the Partners, pursuant to these (i) T&Cs; and/or (ii) terms
   and conditions of the Partner. These collection efforts may involve, inter
   alia, contacting either you directly or any other contact details provided by
   you at the time of creation of Account, submitting your information to a
   collection agency, or taking legal action.

8. COLLECTION OF INFORMATION

 * 8.1. In the course of availing Services, you authorize MWYN, directly or
   through third parties, to make any inquiries we consider necessary to
   validate your identity and to collect information about you in accordance
   with these T&Cs and with our Privacy Policy. This may include asking you for
   further information that will allow us to reasonably identify you, requiring
   you to take steps to confirm ownership of your email address or financial
   instruments, or verifying your information against third party databases or
   through other sources. You may also be required to provide documents to help
   us validate your identity. In the event MWYN is unable to obtain or verify
   your information, MWYN reserves the right to close, suspend, or limit access
   to your Account and/or the Services rendered. By availing the Services, you
   also consent to enable MWYN to validate your identity and to collect
   information about you in accordance with these T&Cs and our Privacy Policy.
 * 8.2. You also provide your consent to MWYN to use and share the information
   provided by you in connection with the Services. You also agree and consent
   to MWYN to assess the information, based on your usage of the App.
 * 8.3. You will be required to provide such documents as required by us.
 * 8.4. You agree to provide only true, accurate, current and complete
   information about yourself, and you agree not to misrepresent your identity
   or your account information in the course of availing Services. You further
   agree to keep your Account information up to date and accurate.
 * 8.5. The responsibility of providing correct information, details, including
   the contact information, amount, the bank account details etc. lies solely
   with you. MWYN shall not be responsible to verify the accuracy of the
   information/ details provided by you. In the event of any changes in the
   details or information provided by you initially, you must inform MWYN of
   such changes within a reasonable period of time. If any incorrect bank
   account number is provided by you, any amount may be deposited /credited to
   the wrong bank account and there is no guarantee of recovery of the same.
   MWYN will not be responsible for any loss or damage that may be sustained by
   you on account of such error on your part.

9. INTELLECTUAL PROPERTY POLICY

 * 9.1. All of the content on the App, including, without limitation, all of the
   page headers, images, illustrations, graphics, audio clips, video clips or
   text, reports generated, trademarks, tradenames (“App Content“), constitute
   our and our licensors’ intellectual property. Copyright laws in all
   applicable jurisdictions protect the App and the App Content.
 * 9.2. You may access the App, avail of the features and facilities and utilize
   the App Content in connection with the subject matter thereof. You are not
   entitled to duplicate, distribute, create derivative works of, display, or
   commercially exploit the App Content, features or facilities, directly or
   indirectly, without our prior written permission. If you would like to
   request permission to commercially exploit any particular App Content, you
   could contact us in the manner provided for herein.
 * 9.3. MWYN and its licensors, if any, are the sole owners of the underlying
   software and source code associated with the App and all the trademarks,
   copyright and any other intellectual property rights of any nature in the
   App.

10. USER ACCOUNT, PASSCODE & SECURITY

 * 10.1. You have an option to set a security passcode on the App once you are
   approved for a credit limit. You are responsible for maintaining the
   confidentiality of the passcode and your account (“Account”) and you are also
   fully responsible for all activities that occur under your passcode or
   Account. You agree to: (a) immediately notify us of any unauthorized use of
   your passcode or Account or any other breach of security; and (b) ensure that
   you exit from your Account at the end of each session. We cannot and will not
   be liable for any loss or damage arising from your failure to comply with
   this Clause 10.
 * 10.2. You hereby acknowledge that the deletion of the App from the Device
   does not constitute termination of your Account and agree to undertake the
   process detailed herein in order to complete de-registration. If and when you
   are desirous of having your name and other details removed from the records
   of MWYN, upon receiving your written request to that effect, MWYN shall
   subject to requirements under applicable law remove and/delete all such
   information.

11. USE OF APP – FEATURES AND FACILITIES

 * 11.1. Through the App, MWYN assists Users to gain access to certain credit
   schemes from its banking and financial partners.
 * 11.2. MWYN hereby grants to you a restricted, non-transferable, license to
   download and use the App on a Device, which you own or control, to avail of
   the functions and features in accordance with these T&Cs.
 * 11.3. Your usage of the App will require you to provide to us certain
   personal and financial information, which shall be collected and maintained
   as per the terms laid down in our privacy policy available at Privacy Policy
 * 11.4. We shall not mediate or attempt to get involved in and resolve any
   disputes or disagreements inter se between you and third party/ies.
 * 11.5. We will use your name as per the records in NSDL as the name in the
   application.
 * 11.6. MWYN may update the App from time to time in order to, inter alia,
   increase its efficiency, optimize user interface and add new features and/or
   facilities.
 * 11.7. We allow our affiliates or third parties to collect certain information
   when you visit our App through the use of cookies or third-party web beacon.
 * 11.8. You are required to seek MWYN’s permission in case you are writing
   something associated with the App on social media or otherwise. In the event
   you post any content on your own site or any other third party sites about us
   without our prior written permission, we may take strict actions against you.
 * 11.9. You may choose to, or we may invite you to submit comments or ideas
   about the Services rendered under these T&Cs, including without limitation
   about how to improve the Services. By submitting any such ideas, you agree
   that your disclosure is gratuitous, unsolicited and without restriction and
   will not place MWYN or any of its affiliates or subsidiaries, under any
   fiduciary or other obligation, and that MWYN will be free to use the idea
   without any additional compensation to you, and/or to disclose the idea on a
   non-confidential basis or otherwise to anyone. You further acknowledge that,
   by acceptance of your submission, MWYN does not waive any rights to use
   similar or related ideas previously known to, or developed by employees, or
   obtained from sources other than you.
 * 11.10. IN THE EVENT YOU HAVE ANY COMPLAINT AGAINST THE CONTENTS (OR ANY
   PORTION THEREOF), INCLUDING THAT THE CONTENTS THEREIN ARE INCORRECT OR BREACH
   THE RIGHTS OF A THIRD PARTY, MWYN SHALL TAKE ALL COMMERCIALLY REASONABLE
   MEASURES TO ADDRESS THE SAME. HOWEVER, MWYN’S SOLE OBLIGATION IN THIS REGARD
   SHALL BE TO REMOVE SUCH CONTENT FROM THE APP; AND THE USER SHALL HAVE NO
   FURTHER CAUSE OF ACTION AGAINST MWYN.

12. SERVICE PROVIDERS

 * 12.1. We may employ third-party service providers and individuals due to the
   following reasons:
   
   12.1.1. To facilitate our Service;
   12.1.2. To provide the Service on our behalf;
   12.1.3. To perform Service-related services; or
   12.1.4. To assist us in analyzing how our Service is used.

 * 12.2. You acknowledge that the third-party service provider/agent/agencies
   will have access to your personal information on a need basis to assist us in
   rendering Service, and the service providers are restricted from using the
   same for any other reason. The third-party service providers are obligated
   not to disclose or use the information for any other purpose.

13. YOUR RIGHTS & PREFERENCES AS A DATA SUBJECT IN INDIA

 * 13.1. These T&Cs are intended for Users within the territory of India and
   govern your rights as per applicable law within the territory of India.
   However, in the event you fall under a jurisdiction outside the purview of
   Indian law, we will not be liable for any claim, action and/or right
   initiated/exercised by you as per the extant laws of that jurisdiction.
   Therefore, we request you to kindly use the App accordingly.

14. CUSTOMER COMMUNICATIONS

 * 14.1. Accepting these T&Cs implies your express consent to be contacted by
   us, our agents, representatives, affiliates, or anyone calling on our behalf
   at any contact number, or physical or electronic address provided by you
   while registering your Account. You further agree to us contacting you in any
   manner, including without limitation, SMS messages (including text messages),
   WhatsApp, calls using pre-recorded messages or artificial voice, calls and
   messages delivered using auto telephone dialing system or an automatic
   texting system, and notifications sent via the App. Automated messages may be
   played when the telephone is answered, whether by you or someone else. In the
   event that an agent or representative calls, he or she may also leave a
   message on your answering machine, voice mail, or send one via SMS.
 * 14.2. You certify, warrant and represent that the telephone numbers and/or
   email addresses and any other information that you have provided to us are
   your own and not someone else’s and are true, accurate, current and complete.
   You represent that you are permitted to receive calls at each of the
   telephone numbers you have provided to us and emails at each of the email
   addresses you have provided us. You agree to notify us whenever you stop
   using a particular telephone number(s) and/or email address(es).
 * 14.3. In relation to the unsolicited communication referred in “National Do
   Not Call Registry” as laid down by Telecom Regulatory Authority of India, you
   confirm that laws will not be applicable for such
   communication/calls/SMS/messages through whatsapp messenger application
   received from MWYN, its employees, agents and/or associates.

15. SYSTEM REQUIREMENTS

 * 15.1. In order to use the App, you are required to have a compatible Device
   with the following minimum specifications: Android Operating System version
   4.1 (SDK level 16) or higher or iOS 9.0 or higher.

16. USER GUIDELINES

 * 16.1. In consideration of MWYN granting you the rights hereunder, you hereby
   agree not to use the App for any purpose that is unlawful under any
   applicable laws and/or in violation of the terms of these T&Cs and our
   Privacy Policy. You shall not use the App in any manner that could damage,
   disable, overburden, or impair our server, or any network(s) connected to any
   server, or interfere with any other party’s use and enjoyment of the App. You
   shall not attempt to gain unauthorized access to any functions and features,
   other user accounts, computer systems or networks connected to any server, in
   any manner, including, through hacking, password mining or any other means.
   You shall not obtain or attempt to obtain any materials or information
   through any means which is not intentionally made available through the App.
 * 16.2. The App is made available to you for your own personal and
   non-commercial use alone. You shall not allow third parties to: (i) make
   and/or distribute copies of the App or any deliverable generated by the App;
   (ii) attempt to copy, reproduce, alter, modify and/or reverse engineer the
   App; and/or (iii) create derivative works of the App.
 * 16.3. You accept that any and all operations emanating from your Device shall
   be assumed to have been initiated by you.
 * 16.4. You shall not copy, reproduce, distribute, or create derivative works
   of our content that is available on the App. Also, you shall not reverse
   engineer or reverse compile our technology that is available on the App,
   including, without limitation, such Java Applet, as may be associated with
   the App from time to time.
 * 16.5. You shall request MWYN, to block the Account and change the
   passcode/password immediately for the Account, if your Device has been lost
   or stolen.
 * 16.6. You are responsible for any and all activities that occur in your
   Account. You agree to notify MWYN immediately of any unauthorized use of the
   Account or any other breach of security. MWYN shall not be liable for any
   loss to you or your organization owing to negligent actions or a failure on
   your part to inform MWYN, within a reasonable time, about loss or theft of
   your Device and/or any unauthorized access in your Account, either with or
   without your knowledge.
 * 16.7. You shall be liable for losses incurred by MWYN or any other party due
   to a third party’s use of the Account. You shall not use any other person’s
   account at any time, without the permission of the account holder and MWYN.
 * 16.8. MWYN shall make all reasonable efforts to ensure that your information
   is kept confidential. However, MWYN shall not be responsible for any
   disclosure or leakage of confidential information and/or loss or damage of
   the Device due to theft, negligence or failure on your part to practice safe
   computing.
 * 16.9. You shall ensure that while using the functions and features, all
   prevailing and applicable laws, rules and regulations, shall at all times, be
   strictly complied with by you and MWYN shall not be liable in any manner
   whatsoever for default of any nature, by you, regarding the same.
 * 16.10. You understand and acknowledge that upon using the App, you authorize
   us to access third party sites designated by you, on your behalf, to retrieve
   such information requested by you, and to register for accounts requested by
   you. For all purposes hereof, you hereby grant us a limited powers and hereby
   authorize us with the full power of substitution and re-substitution, for you
   and in your name, place and stead, in any and all capacities, to access third
   party internet sites, servers or documents, retrieve information, and use
   your information, all as described above, with the full power and authority
   to do and perform each and every act and thing requisite and necessary to be
   done in connection with Services and facilities available on the App, as
   fully to all intents and purposes as you might or could do in person. YOU
   ACKNOWLEDGE AND AGREE THAT WHEN WE ACCESS AND RETRIEVE INFORMATION FROM THIRD
   PARTY SITES, WE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF
   THE THIRD PARTY. You agree that such third parties shall be entitled to rely
   on the foregoing authorization, agency granted by you.
 * 16.11. You must notify your bank immediately in the event your credit card is
   lost, stolen, not received, swallowed at an ATM, or is being misused without
   your permission. Please refer the detailed instructions received from your
   bank for additional precautions to be taken in case of loss/ theft/ misuse of
   your credit card.
 * 16.12. You hereby acknowledge and agree that MWYN shall not be liable for
   failure of any transaction undertaken for any reason whatsoever including but
   not limited to deficiency of service and/or products delivered as well as
   technical errors. You further acknowledge that MWYN shall not be responsible
   in any manner whatsoever, for any loss incurred by you for a failed/
   incomplete transaction undertaken by you using our Services.
 * 16.13. You hereby agree and express your voluntary, unequivocal and informed
   consent to your personal data or financial information (including such data
   as may be designated as ‘personally identifiable data’ under the Information
   Technology (Reasonable Security Practices and Procedures and Sensitive
   Personal Data or Information) Rules, 2011 or other applicable law), being
   processed, disclosed and/or transferred by MWYN to third-party entities.

17. INDEMNIFICATION

 * 17.1. You agree to protect, defend and indemnify us and hold us and our
   representatives harmless from and against any and all claims, damages, costs
   and expenses, including attorneys’ fees, arising from or related to your
   access and use of the App in violation of these T&Cs and/or your
   infringement, or infringement by any other user of your Account, of any
   intellectual property or other right of anyone.
 * 17.2. The terms of this provision will survive any termination or
   cancellation of these T&Cs or your use of the App.

18. SUPPORT

 * 18.1. Basic support for the Services shall be provided by MWYN. MWYN shall
   also use commercially reasonable efforts to make the Services available 24
   hours a day, 7 days a week, except for (i) planned downtime (of which MWYN
   shall give at least 4 hours’ notice); or (ii) any unavailability due to
   circumstances beyond MWYN’s reasonable control.

19. WARRANTIES:

 * 19.1. The App and the functions and features therein are provided on an “as
   is” and on an “as available” basis. We expressly disclaim all warranties of
   any kind, whether express or implied, including, but not limited to the
   implied warranties of merchantability, fitness for a particular purpose and
   non-infringement.
 * 19.2. We shall make reasonable efforts to make available the App and the
   functions and features at all times. However, we make no warranty that the
   App shall meet your requirements, be uninterrupted, timely, secure, and/or
   error free. Further we do not make any warranty as to the results that may be
   obtained from the use of the functions and features or as to the accuracy,
   reliability and/or quality of the output derived therefrom.
 * 19.3. We shall not be liable for the loss and/or damage of the confidential
   information or data of the User arising as a result of an event or a series
   of related events, that is beyond the control of MWYN, including failures of
   or problems with the internet or part of the internet, attempted hacker
   attacks, hacker attacks, denial of service attacks and/or viruses or other
   malicious software attacks or infections.
 * 19.4. You are advised to keep your username, password and passcode safe. We
   shall not be liable in the event your Account is hacked due to errors or
   omissions at your end.
 * 19.5. Any material downloaded or otherwise obtained through the App is done
   at your own discretion and risk and you are solely responsible for any damage
   to your Device or loss of data that results from the download of any such
   material. No advice or information, whether oral or written, obtained by you
   from us through or from the Service will create any warranty not expressly
   stated in these T&Cs.
 * 19.6. We shall not be liable for any losses and/or damages which may arise as
   a result of a third party entity’s usage of the User’s personal data or
   financial information (including such data as may be designated as
   ‘personally identifiable data’ under the Information Technology (Reasonable
   Security Practices and Procedures and Sensitive Personal Data or Information)
   Rules, 2011).
 * 19.7. MWYN shall not be liable for any failure or delay in performing its
   obligations under this facility if such failure or delay (i) is directly
   caused by the Partner(s) acts or omission; (ii) results from actions
   undertaken by MWYN in a reasonable good faith to comply with applicable law
   or to prevent fraud; or (iii) is caused by events beyond MWYN’S control,
   including but not limited to vandalism, hacking, theft, phone service
   disruptions, internet disruptions, loss of data, extreme or severe weather
   conditions or any other causes in the nature of force majeure event.

20. LINK TO OTHER WEBSITES

 * 20.1. The links to any third party websites on the App are provided solely as
   pointers in connection with the Services, and MWYN has no control over the
   content on such third party websites. MWYN makes no warranties concerning the
   content of such websites, including the accuracy, completeness, reliability
   of said websites, nor does MWYN warrant that such website or content is free
   from any claims of copyright, trademark or other infringement of the rights
   of third parties or that such site or content is devoid of viruses or other
   contamination. If you choose to follow a link to a third party website, you
   will do so at your own risk. You also acknowledge that links to third party
   websites do not imply any endorsement of or responsibility for the opinions,
   ideas, products, information or Services offered at such sites, or any
   representation regarding the content at such third party websites.

21. CLOSURE OF ACCOUNTS

 * 21.1. In the event you do not log in to the App or use the Services for two
   (2) or more years, MWYN may close your Account. However, MWYN will retain
   your information in accordance with these T&Cs and our Privacy Policy.

22. LIMITATION OF LIABILITY

 * 22.1. IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE,
   INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR FOR ANY DAMAGES WHATSOEVER
   INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS DUE TO USE, DATA OR PROFITS,
   ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE ACCESS, USE OR PERFORMANCE OF
   THIS APP’S FUNCTIONS AND FEATURES OR FOR INTERRUPTIONS, DELAY, ETC., EVEN IF
   WE WERE ADVISED OF THE POSSIBILITY OF DAMAGES RESULTING FROM THE COST OF
   GETTING SUBSTITUTE FACILITIES ON THE APP, ANY PRODUCTS, DATA, INFORMATION OR
   SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED
   INTO THROUGH OR FROM THE APP, UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR
   TRANSMISSIONS OR DATA STATEMENTS OR CONDUCT OF ANYONE ON THE APP, OR
   INABILITY TO USE THE APP, THE PROVISION OF OR FAILURE TO PROVIDE THE
   FUNCTIONS AND FEATURES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT
   LIABILITY OR OTHERWISE. THIS CLAUSE SHALL SURVIVE IN PERPETUITY

23. SEVERABILITY

 * 23.1. If any provision of these T&Cs is held to be illegal, invalid or
   unenforceable under any present or future applicable laws: (a) such provision
   will be replaced with another, which is not prohibited or unenforceable and
   has, as far as possible, the same legal and commercial effect as that which
   it replaces; and (b) the remaining provisions of the T&Cs will remain in full
   force and effect and will not be affected by the illegal, invalid, or
   unenforceable provision or by its severance here from.

24. TERMINATION

 * 24.1. These T&Cs and the right to use granted hereunder shall take effect on
   the date you create an Account with the App, and shall continue in effect
   until termination these T&Cs in accordance with this section.
 * 24.2. We may suspend/terminate the use of the App at any time, with or
   without cause, after giving notice of the suspension/termination to you.
 * 24.3. Upon termination, the rights and license granted to you herein shall
   terminate and you must cease all use of the App.

25. WAIVER

 * 25.1. Any failure on the part of MWYN to require performance of any provision
   of these T&Cs shall not affect its right to full performance thereof at any
   time thereafter, and any waiver by MWYN of a breach of any provision hereof
   shall not constitute a waiver of a similar breach in the future or of any
   other breach.

26. ASSIGNMENT

 * 26.1. You shall not assign or transfer any rights, obligations, or privileges
   that you have under these T&Cs, without the prior written consent of MWYN.
   MWYN reserves the right to assign its rights, obligations or privileges to
   third parties and you hereby agree to such assignment. Any assignment or
   transfer in violation of this clause will be deemed null and void.

27. INDEPENDENCE FROM PLATFORMS

 * 27.1. The App is independent of any platform on which it is located. The App
   is not associated, affiliated, sponsored, endorsed or in any way linked to
   any platform operator, including, without limitation, Apple, Google, Android
   or (each being an “Operator”).
 * 27.2. Your download, installation, access to or use of the App is also bound
   by the terms and conditions of the Operator.
 * 27.3. You and MWYN acknowledge that these T&Cs are concluded only between you
   and MWYN, and not with an Operator, and MWYN, not those Operators, are solely
   responsible for the App and the content thereof to the extent specified in
   these T&Cs.
 * 27.4. MWYN is solely responsible for providing any maintenance and support
   Services with respect to the App as required under applicable law. You and
   MWYN acknowledge that an Operator has no obligation whatsoever to furnish any
   maintenance and support Services with respect to the App.
 * 27.5. You and MWYN acknowledge that MWYN, not the relevant Operator, is
   responsible for addressing any User claims or any third party claim relating
   to the App or your possession and/or use of the App, including, but not
   limited to: (i) any claim that the App fails to conform to any applicable
   legal or regulatory requirement; and (ii) claims arising under consumer
   protection or similar legislation.
 * 27.6. You and MWYN agree that, in the event of any third party claim that the
   App or your possession and use of the App infringes that third party’s
   intellectual property rights, MWYN and not the relevant Operator, will be
   solely responsible for the investigation, defense, settlement and discharge
   of any such intellectual property infringement claim; provided such
   infringement was caused by MWYN.
 * 27.7. You must comply with any applicable third party terms of agreement when
   using the App (e.g. you must ensure that your use of the App is not in
   violation of your Device agreement or any wireless data service agreement).
 * 27.8. You and MWYN agree that the relevant Operator, and that Operator’s
   subsidiaries, are third party beneficiaries of these T&Cs, and that, upon
   your acceptance of these T&Cs, that Operator will have the right (and will be
   deemed to have accepted the right) to enforce these T&Cs against you as a
   third party beneficiary thereof.

28. UPDATES

 * 28.1. MWYN reserves the right to update the App, in order to, inter alia,
   increase efficiency, optimize user interface, and add new facilities from
   time to time. Update packages will be sent to you on your Device for download
   and installation.
 * 28.2. You hereby agree to install the updates from time to time and
   acknowledge that MWYN will only be able to provide Account support for the
   App if you ensure installation of all updates upon receiving notifications
   thereof when using the App.

29. VALIDITY OF T&CS

 * 29.1. These T&Cs shall apply when you complete the authentication process and
   create an Account and shall remain valid and binding on you for so long as
   you maintain the Account and avail Services.

30. SECURITY:

 * 30.1. You are prohibited from violating or attempting to violate the security
   of the App, including, without limitation:
   
   30.1.1. 30.1.1. accessing data not intended for you or logging into an
   account which you are not authorized to access;
   30.1.2. 30.1.2. attempting to probe, scan or test the vulnerability of a
   system or network or to breach security or authentication measures without
   proper authorization; or
   30.1.3. 30.1.3. interfering with Service to any User, host, or network.

 * 30.2. You shall not misuse this App by intentionally introducing viruses,
   trojans, worms, logic bombs or other materials that are malicious or
   technologically harmful (together "Viruses "). You will not attempt to gain
   unauthorized access to the App, or any server, computer or database connected
   to the App. You will not attack this App via a denial-of-service attack.
   Further, you shall not interfere with or circumvent any security feature of
   the App or any feature that restricts or enforces limitations on use of or
   access to the App, such as probing or scanning the vulnerability of any
   system, network or breach.
 * 30.3. Should you breach the provisions of this Clause, you will be liable to
   be prosecuted under the Information Technology Act, 2000 and other applicable
   statutes. We will immediately report such breach to the relevant law
   enforcement authorities and will co-operate with such authorities by
   disclosing your identity to them. In the event of such a breach, your rights
   to use this App will cease immediately.
 * 30.4. We will not be liable for any loss or damage caused by a
   denial-of-service attack or Viruses that may infect your computer equipment,
   computer programs, data or other proprietary material due to your use of this
   App or to your downloading of any material posted on it.
 * 30.5. You agree to immediately report to us all incidents involving suspected
   or actual unauthorized access, disclosure, alteration, loss, damage, or
   destruction of data.
 * 30.6. You shall not interfere with or disrupt (or attempt to interfere with
   or disrupt) access and enjoyment of the App by other users or any host or
   network, including, without limitation, creating or transmitting unwanted
   electronic communications such as “spam” to other users, overloading,
   flooding or mail-bombing the App, or scripting the creation of content in
   such a manner as to interfere with or create an undue burden on the App.
 * 30.7. All actions performed by any person using your account and password
   shall be deemed to have been committed by you and you shall be liable for the
   same. We reserve the right to suspend/terminate your Account at any time if
   it is found that you have been sharing the password with any unauthorized
   user.
 * 30.8. In order to reduce the risk of unauthorized access, a user is logged
   out from the account and will have to enter his details and login afresh,
   after 3 (three) consecutive incorrect login attempts.

31. MONITORING

 * 31.1. All electronic communications and content presented and/or passed to
   us, including that presented and/or passed from remote access connections,
   may be monitored, examined, saved, read, transcribed, stored, or
   retransmitted in the course of daily operations by any duly authorized
   employee or agent of ours in the exercise of their duties, or by law
   enforcement authorities who may be assisting us in investigating possible
   contravention/non-compliance with applicable law. Electronic communications
   and content may be examined by automated means. Further, we have the right to
   reject, at our sole discretion, from the App any electronic communications or
   content deemed not to be in compliance with the corporate policies and
   procedures of MWYN.

32. GOVERNING LAW AND JURISDICTION

 * 32.1. These T&Cs (and by extension, the Privacy Policy) are governed and
   construed in accordance with Indian law. By using the App, you hereby
   irrevocably consent to the exclusive jurisdiction and venue of courts in
   Bangalore, Karnataka, India, in the event of any disputes arising out of or
   in relation to your access to and use of the App.

33. CONTACT INFORMATION

 * 33.1. If you have any questions or concerns regarding the T&Cs or Privacy
   Policy, please feel free to contact us at the following email address:
   hello@moneytap.com or at the contact details published on the App.

CONTACT INFORMATION

Email: hello@moneytap.com


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