All persons (the "Users" or individually a "User") downloading the Application ÆON Fast (the "Application") are required to read through and acquaint themselves with this document prior to proceeding to use the Application. Access to and use of the Application by a User is deemed to represent the User's consent to these Terms of Use and any amendments thereto. In case a User disagrees with these Terms of Use (as may be amended from time to time), he/she shall leave the Application and refrain from visiting it in the future.

This Application is owned and operated by ÆON Credit Service India Pvt. Ltd., TF-A-01, Art Guild House, Phoenix Marketcity, LBS Marg, Kurla (West) (“ACSI”), which is authorised to exercise the ownership and intellectual property rights to the Application.

These Terms of Use regulate the rights and obligations of ACSI and the Users regarding the use of the Application. User is requested to read these Terms of Use carefully. This is a legally binding agreement between the User and ACSI, establishing the terms and conditions under which this Application may be used. In the event of any conflict between the terms and conditions of specific products and services and this disclaimer, the conditions specific to such products and services shall prevail.

Use of the Application is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Application. If user is a minor i.e. under the age of 18 years, user shall not register on the ACSI Application and shall not transact on or use the Application. ACSI reserves the right to terminate user membership and / or refuse to provide user with access to the Application if it is brought to ACSI's notice or if it is discovered that user is under the age of 18 years.

Use of Information and Materials

To use ACSI Services and access certain portions of the Application, user will need to register and obtain an account, username and password. When user registers, the information user provide to us during the registration process will help us in offering content, service, and management of user account. User is solely responsible for maintaining the confidentiality of user account, username, and password and for all activities associated with or occurring under user Account. User represents and warrants that user account information will be accurate at all times. User agrees that if User provides any information that is untrue, inaccurate, not current or incomplete or there is reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the this Terms of Use, ACSI shall have the right to indefinitely suspend or terminate or block access of user membership on the Application and refuse to provide User with access to the Application. User must notify us (a) immediately of any unauthorized use of user account and any other breach of security, and (b) ensure that user exits from user account at the end of each use of the offerings. We cannot and will not be responsible for any loss or damage arising from user failure to comply with the foregoing requirements or as a result of use of user account, either with or without user knowledge, prior to user notifying us of unauthorized access to user account. User may not transfer user account to any other person and user may not use anyone else's account at any time without the permission of the account holder.

The Content contained on this Application is provided for general information only and should not be used as a basis for making business/commercial decisions. User is advised to exercise due caution and/or seek independent advice before entering into any arrangement or financial obligation based on the Content contained in this Application. The Content contained in this Application, including text, graphics, links or other terms are provided on an “as is”, “as available” basis and are protected by copyright in favour of ACSI. User should not distribute text or graphics to others without the express written consent of the ACSI. User should not copy, download, publish, distribute or reproduce any of the Content contained on this Application in any form without prior permission of ACSI. Use of the products or services described in this Application may not be permitted in some countries and if in doubt, User should check with the local regulator or authority before requesting further information on such products/ services. Products and Services are available only at the discretion of ACSI, subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.

Lending Rate and other charges for various financial schemes and interest rates cited as examples of rates which may be in effect from time to time are indicative rates only and are subject to change at any time at the sole discretion of ACSI and applicable Indian laws.

Links to Other Applications

The Application may offer links to Applications that are not under ACSI's control. If the Users visit any of these linked Applications they should review each Application's terms of use. Specifically, ACSI does not assume any responsibility for any obligations of any persons who offer, provide or mediate services or goods on such Applications. ACSI is neither responsible for the policies and practices of other companies nor for the contents of linked third party Applications.

Obligations of Users

When using the Application the Users must not: interfere with the Application's security, integrity and operation in general; use the Application for the transfer of damaging files; or, attempt to enter non- public sections of the Application or access restricted information featured on the Application where the Users do not meet the criteria for accessing this information. The User is further required to observe the ACSI's copyrights of this Application and, furthermore, to observe the third parties rights to material and text posted by ACSI on the Application (including, but not limited to, trademarks, logos etc.) but owned by third parties and which is under the protection of appropriate Acts on the protection of intellectual property rights.

Disclaimer

ACSI, through the Services, may allow the Customers to apply for the Loan, subject to the fulfilment of the eligibility criteria laid down by ACSI. User understand that ACSI and / or the NBFC may collect, authenticate, track user location, verify and confirm the User Data, documents and details as may be required to sanction the Loan. In order to avail the Services, user are required to register with ACSI. During the Application process, user shall be required to share and upload the User Data on the Application or the Mobile Application Form. User Data shall include personal information including but not limited to user name, e-mail address, gender, date of birth, mobile number, passwords, photograph, mobile phone information including contact numbers, SMS, call logs and browsing history, data, login-in credentials, Annual Reportssuch as bank documents, salary slips, bank statements, PAN card, bank account no., data from Credit Information Companies, data required for Know Your Customer compliances, requirement and other relevant details (“Personal Information”). User agrees that the Personal Information shall always be accurate, correct and complete. As part of the Services, user authorises us to import user details and Personal Information dispersed over Third Party Platforms. User understands and acknowledges that we may periodically request for updates on such Personal Information and we may receive such updated information from Third Party Platforms. The User is fully liable for any risk for his use of this Application and ACSI does not assume any responsibility or liability for such risk. The contents provided on this Application is intended only for general information and does not represent any form of advice or recommendation. This Application may contain advice/ opinions and statements of various professionals/ experts/ analysts, etc., ACSI does not represent/ endorse the accuracy, reliability of any of the opinions/ statements/ information by such person. Reliance on these statements shall be at the risk of the user of this Application. Specifically, the Contents of this Application is not intended to be relied upon by Users in making any specific decisions (including investment decisions). ACSI does not guarantee the accuracy, correctness, completeness, timeliness or availability of this Application's contents and/or services and does not accept any responsibility (e.g. towards the Users of the Application) in this respect. No information sent to any client through this Application or available on this Application shall constitute any representation or warranty by ACSI or its subsidiaries or affiliates regarding the creditworthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity. To the maximum extent permissible by applicable laws ACSI shall not be liable for any direct, indirect, incidental or consequential damages, including, without limitation, damages for loss of profits, goodwill, loss of data or other intangible losses arising in connection with the use of the Application. All transactions undertaken on user’s behalf by ACSI will be on the basis of user’s express instructions/consent and will be strictly on a non-discretionary basis. User also authorises ACSI to get user credit information report from one or more Credit Information Companies as decided by the Company from time to time. Once user verifies and uploads the User Data and/or other documents and details on our platform, we shall process the same. Upon the completion of the document verification by ACSI, the Loan may be sanctioned to user, subject to fitting eligibility criteria and other conditions set forth by ACSI for sanctioning the Loan. Thereafter, user are required to fill and upload the ECS/NACH mandate form/Cheque or any other document as may be required by ACSI. ACSI may collect the physical documents including signatures on those documents required for sanctioning and processing the Loan. Upon the collection of documents by ACSI, ACSI shall disburse the Loan subject to the terms and conditions of the Loan Agreement.

User fully understands and agrees that the sanctioned Loan shall be disbursed as per the mode provided in the platform. Users are required to repay the Outstanding Amount(s) to ACSI, on the respective due date(s) mentioned in the platform. User understands and acknowledges that ACSI reserves the right to track user location (“Track”) during the provision of Services, and also in the event that user stops, ceases or discontinues to use or avail the Services, through deletion or uninstallation of Mobile App or otherwise, till the event that user obligations to pay the Outstanding Amount(s) to ACSI exist. Deletion, uninstallation, discontinuation of our Services, shall not release user from the responsibility, obligation and liability to repay the Outstanding Amount(s). User understands and acknowledges that user shall be solely responsible for all the activities that occur under User Account while availing the Services. User undertakes that ACSI shall not be responsible and liable for any claims, damages, disputes arising out of use or misuse of the Services. By usage of the Services, user shall be solely responsible for maintaining the confidentiality of the User Account and for all other related activities under User Account. ACSI reserves the right to accept or reject user registration for the Services without obligation of explanation. User understands and acknowledges that, user is solely responsible for the capability of the electronic devices and the internet connection, user chose to run the Platform. The Platform’s operation or the Services on user electronic device is subject to availability of hardware, software specifications, internet connection and other features and specifications, required from time to time. The User Data provided during the registration is stored by us for user convenience. User understand and acknowledge that by accepting these Terms, user authorises ACSI to Track, fetch and use the User Data, including but not limited to user Personal Information, for the purpose of authentication and any updates with regards to user credentials. ACSI does not make any representations or warranties as to the item-specifics (such as legal title, creditworthiness, identity, etc.) of any of its Users. User releases and indemnifies ACSI and/or any of its officers and representatives from any cost, damage, liability or other consequence of any of the actions of the Users of the Application and specifically waive any claims that user may have in this behalf under any applicable law.

Intellectual Property Rights

This platform is controlled and operated by ACSI and all material on this Application, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights. User must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and User must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other Application or networked computer environment or use of the materials for any purpose is a violation of the copyrights, trademarks and other proprietary rights, and is strictly prohibited.

Limitation of Liability

IN NO EVENT SHALL ACSI BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THESE TERMS OF USE, EVEN IF USER HAS BEEN INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

ACSI (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Application), or (ii) any use of the Application or content, or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect user computer equipment or other property as the result of user access to the Application or user downloading any content from the Application. The Application may provide links to other third party Applications. However since ACSI has no control over such third party Applications, user acknowledge and agree that ACSI is not responsible for the availability of such third party Applications, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third party Applications. User further acknowledge and agree that ACSI 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 third party Applications.

Dispute resolution and governing law

The use of this Application and these Terms of Use shall be governed by laws of India. Any dispute arising in connection with the use of this Application shall be settled before a court with appropriate local jurisdiction in India and in accordance with Indian law. Should any provision of these Terms of Use be held invalid or unenforceable for any reason, the invalid or unenforceable provision shall be severable from the remaining provisions and shall not affect the validity or enforceability thereof.

Changes to Application or Terms of Use

ACSI reserves the right to modify the appearance, contents, organization, location and accessibility of the Application at any time without prior notice. The publication of any data or information on the Application, with the exception of these Terms of Use, will not be considered as an act in law, unless expressly stated otherwise. The user is expected to keep himself/ herself updated of any changes made in this Application and the information available on it on a regular basis and ACSI undertakes no responsibility about advising the user about any such changes. Though ACSI will endeavour to ensure that information contained in this Application is obtained from sources which, it feels, are reliable, ACSI does not warrant such information’s completeness or accuracy. ACSI reserves the right to amend, from time to time, these Terms of Use, by republishing the amended wording of these Terms of Use on the Application. For this reason Users should regularly review these Terms of Use for any changes. Use of the Application after the republication of amended Terms of Use is deemed to represent the User's consent with the amended Terms of Use.

Privacy

Any personal information submitted in connection with use of the Offerings or the Application is subject to Our Privacy Policy.