Terms of Service of CredBuddha Plus

1. Introduction

This Terms of Use constitutes a legally binding agreement between you ("User", "you", "your") and CREDBUDDHA FINANCIAL CONSULTANCY SERVICES PRIVATE LIMITED ("Company", "we", "us", "our"), governing your access to and use of the CredBuddha+ platform, including its mobile application, website, and related services (collectively referred to as the "Platform").

CredBuddha+ is a digital platform designed to provide users with access to their credit information, financial insights, and related advisory tools intended to promote better financial awareness and credit health.

By accessing, registering on, or using the Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by the terms and conditions set forth in this Policy, along with any applicable laws and regulations. If you do not agree with any part of this Policy, you must refrain from accessing or using the Platform.

Your continued use of the Platform shall be deemed as your ongoing acceptance of this Policy, including any modifications or updates made from time to time.

2. Nature of Services

CredBuddha+ is a digital financial insights platform designed to assist users in understanding and managing their credit health and financial behavior. The Platform provides tools and features that enable users to:

• Access their credit report and credit score from RBI-authorized credit bureaus, subject to user consent
• Receive personalized insights, analytics, and recommendations based on available financial and credit data
• Obtain alerts, reminders, and behavioral nudges to support timely financial actions and responsible credit usage
• View summarized financial activity patterns and expense-related insights, derived from user-permitted data sources

The services offered on the Platform are intended solely for informational, educational, and awareness purposes, and are designed to help users make more informed financial decisions.

Regulatory and Service Limitations

For the avoidance of doubt, the Company expressly clarifies that:

• It is not a bank, Non-Banking Financial Company (NBFC), or regulated lending institution
• It does not provide loans, credit facilities, or financial products directly to users
• It does not approve, reject, or influence any loan or credit application
• It does not perform underwriting, credit risk assessment, or eligibility determination for lending purposes
• It does not act as a credit decision-making authority on behalf of any third party

Any credit-related decisions, including approval, rejection, or terms of credit, are solely determined by the respective financial institutions or lenders, and the Company has no control over such decisions.

3. Eligibility

To access and use the CredBuddha+ Platform, you must meet the following eligibility criteria:

• You must be at least 18 (eighteen) years of age
• You must be competent to enter into a legally binding contract under the provisions of the Indian Contract Act, 1872
• You must provide true, accurate, current, and complete information at the time of registration and during continued use of the Platform
• You must be using the Platform on your own behalf, or have the necessary legal authorization to act on behalf of another individual or entity

By using the Platform, you represent and warrant that you satisfy all the above requirements.

The Company reserves the right, at its sole discretion, to:

• Verify the information provided by you through appropriate means
• Refuse registration, suspend access, or terminate your account
• if any information provided is found to be false, inaccurate, outdated, or misleading
• if there is reasonable suspicion of fraud, impersonation, or unauthorized use
• if your use of the Platform is found to be in violation of applicable laws or this Policy

You acknowledge that failure to meet the eligibility criteria or breach of the above conditions may result in immediate suspension or termination of your access, without prior notice and without any liability to the Company.

4. User Consent & Authorization

By accessing or using the Platform, you provide your free, specific, informed, and unambiguous consent for the collection, processing, and use of your information in accordance with this Policy and applicable laws.

4.1 Authorization for Credit Information Access

You expressly authorize the Company to:

• Retrieve your credit report and credit score from RBI-authorized credit bureaus
• Use such information solely for the purpose of providing credit insights, analysis, and user-facing recommendations

You acknowledge that such access is performed only with your explicit consent and in compliance with applicable regulatory requirements.

4.2 Consent for Data Processing

You consent to the processing of your personal and financial data for the following limited purposes:

• Generating credit insights and financial analysis
• Providing alerts, reminders, and behavioral nudges
• Enhancing user experience and platform functionality

Such processing shall always be carried out in accordance with the principles of purpose limitation, data minimization, and lawful processing.

4.3 Device Permissions & Access

The Platform may request access to certain device-level permissions, including but not limited to:

• SMS access (for financial transaction insights and alerts)
• Device and application usage data (to improve service performance and user experience)

Important Conditions:

• All permissions are obtained through explicit opt-in mechanisms
• Access is limited, proportionate, and strictly purpose-driven
• No permission is enabled without your prior approval

4.4 Right to Withdraw Consent

You retain the right to withdraw your consent at any time, including:

• Disabling permissions through device settings
• Requesting data access restriction or deletion

Impact of Withdrawal:

You acknowledge that withdrawal of consent may:

• Limit or disable certain features of the Platform
• Restrict access to specific services dependent on such data

4.5 User Representations

By providing consent, you represent and warrant that:

• You are the rightful owner of the data being shared
• You have the authority to grant such permissions and authorizations
• All consents provided are voluntary and informed

5. Data Collection & Purpose Limitation

The Company follows the principles of data minimization, purpose limitation, and lawful processing, and collects only such information as is necessary to provide and improve the services offered through the Platform.

5.1 Categories of Data Collected

a) Personal Information

• Full name
• Mobile number
• Email address
• Permanent Account Number (PAN) or other identity details (as required for authentication with credit bureaus)

b) Credit Information

• Credit score
• Credit history and repayment behavior
• Details of existing and past credit/loan accounts

Such information is obtained only from RBI-authorized credit bureaus upon your explicit consent.

c) Behavioral and Device Data

• Application usage patterns and interaction data
• Device-related information (such as device type, operating system, and limited technical identifiers)

This data is collected in a restricted and secure manner, solely to improve functionality and user experience.

5.2 Purpose of Data Collection

The data collected is used strictly for the following purposes:

• To provide access to your credit report and credit-related information
• To generate personalized insights, analytics, and recommendations
• To enable alerts, reminders, and behavioral nudges
• To provide financial awareness tools and expense-related insights
• To enhance platform performance, security, and user experience

All processing is carried out in accordance with applicable laws, including the Digital Personal Data Protection Act, 2023, and follows principles of fairness, transparency, and accountability.

5.3 Purpose Limitation & Prohibited Uses

Your data shall be used strictly for the purposes stated above and shall not be used beyond such scope without obtaining additional consent.

The Company expressly undertakes that your data will NOT be used for:

• Independent credit underwriting or risk assessment for lending purposes
• Determining or influencing loan eligibility, approval, or rejection
• Any form of automated decision-making that produces legal or significant financial effects on the user
• Unauthorized profiling, tracking, or behavioral targeting unrelated to the services offered

5.4 Lawful Basis & User Control

All data collection and processing activities are carried out based on:

• Your explicit consent, wherever required
• Compliance with applicable legal and regulatory obligations

You retain the right to:

• Access and review your data
• Request correction of inaccurate information
• Withdraw consent for specific data processing activities
• Request deletion of data, subject to legal and operational requirements

6. Data Usage

CredBuddha+ may request access to certain sensitive data, including SMS messages, strictly on the basis of your explicit, informed, and prior consent, and solely for the limited purposes described below.

6.1 Purpose of SMS Access

SMS access is requested exclusively to enable user-facing financial insights and utility features, including:

• Identification of financial transactions such as expenses, bill payments, and income patterns
• Generation of expense tracking insights and summaries
• Triggering high-usage alerts and unusual activity notifications
• Providing bill reminders and due date alerts
• Delivering financial behavior summaries and insights

This access is intended purely to enhance financial awareness, visibility, and user convenience, and not for any decision-making related to credit eligibility.

6.2 Scope and Limitations of Access

• SMS access is read-only and does not allow modification, deletion, or transmission of messages without authorization
• Only messages relevant to financial transactions are identified and processed
• Access is limited, proportionate, and restricted to the stated purposes
• Irrelevant personal messages are ignored and not processed or stored

6.3 Data Handling & Security

• SMS data is processed using secure and encrypted mechanisms
• Data handling follows principles of:
  • Data minimization
  • Purpose limitation
  • Storage restriction
• Wherever technically feasible, processing is carried out in a manner that reduces unnecessary data storage and exposure

6.4 Explicit Prohibitions

The Company strictly undertakes that SMS and sensitive data:

• Will NOT be used for loan approval, rejection, or credit underwriting
• Will NOT be shared, sold, or transferred to lenders or third parties without explicit user consent
• Will NOT be used for unauthorized profiling, surveillance, or marketing unrelated to the Platform's core services
• Will NOT include storage or analysis of non-financial or personal communications

6.5 User Control & Revocation

• SMS access is enabled only through clear opt-in consent
• You may revoke access at any time via device settings or app controls
• Revocation of access may result in limited functionality of certain features dependent on such data

6.6 Compliance & Regulatory Alignment

This feature is designed and implemented in compliance with:

• Google Play User Data Policy (including requirements for prominent disclosure and limited use)
• Digital Personal Data Protection Act, 2023
• Applicable principles under Indian data protection and privacy laws

7. Data Sharing & Third-Party Disclosures

The Company may share your information with third parties only to the extent necessary for providing services and in compliance with laws.

7.1 Categories of Third Parties

Your data may be shared with:

• Credit Bureaus: RBI-authorized credit information companies for the purpose of fetching and updating your credit report and credit score, strictly based on your explicit consent
• Service Providers: Trusted third-party vendors engaged for:
  • Cloud hosting and data storage
  • Analytics and performance monitoring
  • Customer support and communication services
  • Security, fraud detection, and system integrity
• Regulatory Authorities (if required): Government bodies, regulators, or law enforcement agencies where disclosure is required under applicable law or legal process

7.2 Conditions for Data Sharing

• Only minimum necessary data is shared for a clearly defined purpose
• Sharing is done under strict contractual obligations, including confidentiality and data protection requirements
• Data is shared only where legally permitted or required, and with user consent wherever applicable
• Third parties are required to process data solely for the specified purpose and are prohibited from using it independently

7.3 Third-Party Responsibility Disclaimer

While the Company exercises due diligence in selecting its partners, it does not control the independent practices of third parties. Users are advised to review the privacy policies of such third parties, where applicable.

The Company shall not be responsible for:

• Data handling practices of third parties beyond its contractual control
• Any actions taken by third parties in violation of their own policies or applicable laws

7.4 Business Transfers

In the event of a merger, acquisition, restructuring, or sale of assets, user data may be transferred as part of such transaction, subject to:

• Continuation of equivalent data protection obligations
• Notification to users, where required under applicable law

7.5 Explicit Non-Sale Commitment

The Company strictly affirms that:

• It does not sell, rent, or trade user data to any third party
• It does not monetize personal data through unauthorized sharing or profiling

7.6 No Unauthorized Data Sharing with Lenders

For clarity:

• User data, including credit and SMS-derived insights, is not shared with lenders or financial institutions for loan decisioning
• Any future integration involving lenders shall require separate, explicit, and informed user consent

8. Data Security & Retention

The Company implements reasonable and appropriate technical and organizational measures to safeguard user data against unauthorized access, disclosure, alteration, or destruction, in accordance with applicable laws and industry best practices.

8.1 Security Measures

We maintain a layered security framework that includes:

• Encryption: Data is encrypted during transmission and, where applicable, at rest using industry-accepted standards
• Access Controls: Strict role-based access control (RBAC) mechanisms ensure that only authorized personnel can access data on a need-to-know basis
• Secure Infrastructure: Data is hosted on secure, monitored infrastructure environments with appropriate firewalls and intrusion detection mechanisms
• Monitoring & Risk Management: Continuous monitoring systems are implemented to detect, prevent, and respond to potential security threats or vulnerabilities
• Confidentiality Obligations: Employees, contractors, and service providers are bound by confidentiality and data protection obligations

8.2 Data Retention

User data is retained only for as long as necessary to:

• Fulfill the purposes outlined in this Policy
• Comply with legal, regulatory, and contractual obligations
• Resolve disputes and enforce agreements

Once the data is no longer required, it is securely deleted, anonymized, or irreversibly de-identified, as applicable.

8.3 User Rights

In accordance with applicable data protection laws, including the Digital Personal Data Protection Act, 2023, you have the right to:

• Access the personal data held about you
• Request correction or update of inaccurate or incomplete data
• Request deletion of your data, subject to legal and operational constraints
• Withdraw consent for specific data processing activities

Requests may be subject to verification procedures before being processed.

8.4 Limitation of Liability (Security)

While the Company adopts robust security practices, no system is completely secure. By using the Platform, you acknowledge that:

• Transmission of data over the internet involves inherent risks
• The Company shall not be held liable for breaches resulting from:
  • Factors beyond its reasonable control
  • User negligence (such as sharing credentials)

9. Credit Report & Insights Disclaimer

The Platform provides access to credit-related information and insights for informational and educational purposes only.

9.1 Source of Credit Information

• Credit reports and credit scores made available on the Platform are sourced from RBI-authorized credit bureaus, based on your explicit consent
• The Company does not independently verify, alter, or modify such data

Accordingly, the Company does not warrant or guarantee the accuracy, completeness, or timeliness of credit information provided by such third parties.

9.2 Nature of Insights and Recommendations

• Insights, analysis, and recommendations provided on the Platform are generated using automated algorithms, data analytics, and predefined models
• These are intended solely to assist users in understanding their credit profile and financial behavior

Such insights:

• Do not constitute financial, legal, or professional advice
• Should not be solely relied upon for making financial decisions

9.3 No Guarantees or Assurances

The Company expressly disclaims any guarantees or assurances in relation to:

• Improvement or change in your credit score or credit profile
• Approval, rejection, or terms of any loan or credit facility
• Suitability or outcome of any financial decision based on Platform insights

9.4 User Responsibility and Assumption of Risk

You acknowledge and agree that:

• Any decisions taken based on the information or insights provided on the Platform are made at your sole discretion and risk
• You are solely responsible for evaluating the relevance and accuracy of the information before acting upon it

9.5 Limitation of Liability

To the maximum extent permitted under applicable law, the Company shall not be liable for:

• Any errors, omissions, or inaccuracies in third-party credit data
• Any financial loss, damage, or adverse outcome resulting from reliance on Platform insights or recommendations

10. User Responsibilities

By accessing or using the Platform, you agree to comply with the following obligations and restrictions:

10.1 User Obligations

You agree to:

• Provide true, accurate, current, and complete information at all times
• Maintain the confidentiality and security of your login credentials, including OTPs and account access details
• Ensure that all activities conducted through your account are authorized and lawful
• Use the Platform strictly in accordance with this Policy and applicable laws and regulations
• Promptly notify the Company in case of:
  • Unauthorized access
  • Suspected security breach
  • Misuse of your account

10.2 Prohibited Activities

You shall not, directly or indirectly:

• Attempt to gain unauthorized access to the Platform, its systems, servers, or networks
• Interfere with, disrupt, or compromise the integrity, security, or performance of the Platform
• Use the Platform for any fraudulent, unlawful, or deceptive activity
• Impersonate any person or entity, or provide false or misleading information
• Reverse engineer, decompile, copy, or attempt to extract the source code, algorithms, or underlying technology of the Platform
• Use automated tools, bots, or scripts to scrape, extract, or misuse data from the Platform
• Use the Platform in any manner that may violate applicable laws, regulatory guidelines, or third-party rights

10.3 Account Responsibility

You are solely responsible for:

• All actions performed through your account
• Ensuring that access to your account is not shared with unauthorized individuals

The Company shall not be liable for any loss arising from unauthorized use of your account due to your negligence.

10.4 Consequences of Breach

The Company reserves the right, at its sole discretion, to:

• Suspend, restrict, or terminate your access to the Platform
• Block or deactivate your account
• Initiate appropriate legal action or report violations to relevant authorities

Such actions may be taken without prior notice in case of suspected misuse, fraud, or violation of this Policy.

11. Payments, Refunds & Cancellation

Certain features and services offered on the Platform may be provided on a paid basis, as may be specified from time to time.

11.1 Payment Terms

• All applicable fees, charges, and payment terms shall be clearly disclosed to you prior to purchase or subscription
• By proceeding with a payment, you agree to pay all applicable charges associated with the selected service
• Payments shall be processed through secure, third-party payment gateways, and the Company does not store your complete financial payment details (such as card numbers)

The Company reserves the right to:

• Modify pricing for services at its sole discretion
• Introduce new charges or revise existing fees with prior notice, where applicable

11.2 No Refund Policy

All payments made for services on the Platform are final and non-refundable, except in the following limited circumstances:

• Where the service has not been delivered due to a technical failure attributable to the Company
• Where a refund is mandated under applicable law or regulatory requirement

No refunds shall be provided for:

• Partial usage or non-usage of services
• Change of mind after purchase
• Dissatisfaction arising from user expectations not aligned with service scope, where the service has been delivered as described

11.3 Cancellation

• You may discontinue use of the Platform or any paid service at any time
• Cancellation of a service does not entitle you to any refund, unless explicitly stated otherwise

For subscription-based services (if applicable):

• Cancellation will take effect from the end of the current billing cycle
• No pro-rata refunds shall be provided for the remaining period of an active subscription

11.4 Payment Disputes

In case of any payment-related issues:

• You agree to first contact the Company for resolution before initiating a chargeback or dispute with your payment provider
• Unauthorized or fraudulent chargebacks may result in:
  • Immediate suspension of your account
  • Restriction of access to services
  • Legal action, where applicable

11.5 Taxes

All fees are exclusive of applicable taxes, unless stated otherwise. You agree to bear any applicable taxes, duties, or levies imposed under law.

12. Notifications & Communication

By using the Platform and providing your contact details, you consent to receive communications from the Company in accordance with this Policy and applicable laws.

12.1 Modes of Communication

Subject to your consent, we may communicate with you through:

• SMS messages
• RCS Messaging
• Whatsapp Communications
• Push notifications (mobile app)
• Email communications
• Calls

These communications may be delivered directly by the Company or through authorized service providers.

12.2 Types of Communications

Communications may include:

a) Transactional & Service Communications (Essential)

• Credit report updates and alerts
• Account-related notifications
• Service confirmations and system updates
• Security alerts and important notices

These are essential for the functioning of the Platform and may be sent even if certain promotional preferences are disabled, where permitted by law.

b) Informational & Insight-Based Communications

• Credit insights and recommendations
• Payment reminders and behavioral nudges
• Financial awareness content

c) Promotional Communications (Optional)

• Offers, new features, or partner services (if introduced in future)

Such communications shall be sent only with explicit consent, where required.

12.3 User Control & Opt-Out

You have the right to manage your communication preferences:

• You may opt-out of non-essential communications at any time through:
  • App settings
  • "Unsubscribe" links (for emails)
  • Or by dropping the relevant opt-out communication to our Support team
• You acknowledge that opting out of certain communications may:
  • Limit your ability to receive important alerts and insights
  • Impact the overall functionality and usefulness of the Platform

12.4 Delivery & Third-Party Dependence

The Company does not guarantee:

• Uninterrupted or error-free delivery of communications
• Delivery timelines, as these may depend on:
  • Telecom operator
  • Internet service providers
  • Device configurations

The Company shall not be liable for delays, failures, or non-delivery of communications caused by factors beyond its reasonable control.

12.5 Compliance

All communications are sent in compliance with:

• Applicable Indian laws and regulations, including telecom and anti-spam guidelines
• User consent requirements under the Digital Personal Data Protection Act, 2023

13. Limitation of Liability

To the maximum extent permitted under applicable law, the Company, its directors, officers, employees, affiliates, and service providers shall not be liable for any loss or damage arising out of or in connection with your use of, or inability to use, the Platform.

13.1 Exclusion of Liability

The Company shall not be liable for any:

• Errors, inaccuracies, or omissions in data provided by third parties, including credit bureaus
• Financial losses or damages arising from decisions made by you based on insights, recommendations, or information available on the Platform
• Service interruptions, delays, or failures caused by:
  • Technical issues
  • System maintenance
  • Internet or network failures
  • Third-party service disruptions
• Unauthorized access or misuse of your account, where such access results from your failure to maintain confidentiality of credentials
• Indirect, incidental, consequential, special, or punitive damages, including but not limited to:
  • Loss of profits
  • Loss of data
  • Loss of business opportunities

13.2 No Warranty

The Platform and all services are provided on an "as is" and "as available" basis, without any warranties, express or implied, including but not limited to:

• Accuracy or completeness of information
• Continuous, uninterrupted, or error-free operation
• Fitness for a particular purpose

13.3 Limitation of Monetary Liability

To the extent permitted under applicable law:

• The total aggregate liability of the Company for any claims arising out of or relating to the use of the Platform shall be limited to the amount actually paid by you, if any, for the relevant service

If no fee has been paid, the Company shall have no monetary liability whatsoever.

13.4 Force Majeure

The Company shall not be liable for any failure or delay in performance due to events beyond its reasonable control, including but not limited to:

• Natural disasters
• Acts of government or regulatory authorities
• War, civil unrest, or strikes
• Failure of utilities, telecommunications, or internet services

14. Termination

The Company reserves the right to suspend, restrict, or terminate your access to the Platform, in whole or in part, at its sole discretion, under the circumstances set out below.

14.1 Termination by the Company

We may suspend or terminate your access, with or without prior notice, if:

• You violate any provision of this Policy
• Any information provided by you is found to be false, inaccurate, or misleading
• There is suspected or actual fraud, misuse, or unauthorized activity
• Your use of the Platform is unlawful or in breach of applicable regulations
• Continued access poses a security, legal, or operational risk to the Company or other users

The Company also reserves the right to temporarily suspend services for maintenance, upgrades, or security reasons.

14.2 Termination by the User

You may discontinue use of the Platform at any time by:

• Ceasing to access or use the Platform
• Deleting your account, where such functionality is available

14.3 Effect of Termination

Upon termination or suspension:

• Your right to access and use the Platform shall immediately cease
• The Company may deactivate or delete your account and associated data, subject to applicable legal retention requirements
• Any outstanding obligations, including payment obligations, shall survive termination

14.4 Survival of Provisions

Certain provisions of this Policy shall survive termination, including but not limited to:

• Data usage and retention clauses
• Limitation of liability
• Governing law and dispute resolution
• Any other provisions which by their nature are intended to survive

15. Regulatory Compliance

The Platform is designed and operated in accordance with applicable Indian laws, regulatory frameworks, and platform-specific policies. The Company is committed to ensuring that its services adhere to the principles of lawful processing, user consent, transparency, and data protection.

15.1 Applicable Legal Framework

CredBuddha+ is intended to align with the following laws and guidelines, as applicable:

• The Information Technology Act, 2000, including rules framed thereunder
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 ("SPDI Rules")
• The Digital Personal Data Protection Act, 2023 ("DPDP Act"), including provisions relating to:
  • Lawful processing based on user consent
  • Purpose limitation and data minimization
  • User rights and grievance redressal
• Applicable Reserve Bank of India (RBI) guidelines, including principles governing:
  • Access to credit information from authorized credit bureaus
  • User consent-based data sharing
  • Restrictions on unauthorized financial profiling and decisioning
• Google Play Developer Policies, including:
  • User Data Policy
  • Permissions and access to sensitive data
  • Requirements for prominent disclosure and limited use

15.2 Compliance Principles

In alignment with the above frameworks, the Platform operates on the following core principles:

• Explicit and informed user consent prior to accessing or processing sensitive data
• Purpose limitation, ensuring that data is used only for clearly defined and disclosed purposes
• Data minimization, limiting collection to only what is necessary
• Transparency, ensuring users are informed about how their data is used
• User control, including the ability to withdraw consent and manage permissions

15.3 Regulatory Positioning

For clarity and avoidance of doubt:

• The Company operates strictly as a financial insights and awareness platform
• The Platform provides informational tools, analytics, and user-facing recommendations only

The Company:

• Is not a bank, NBFC, or regulated financial institution
• Does not provide loans, credit facilities, or financial products directly
• Does not perform credit underwriting, risk assessment, or eligibility determination
• Does not act as a loan service provider (LSP) or credit decision-making authority

15.4 Third-Party and Future Integrations

In the event the Platform integrates with:

• Lenders
• Financial institutions
• Third-party financial service providers

Such integrations shall be:

• Subject to separate, explicit, and informed user consent
• Structured in compliance with applicable RBI and data protection guidelines
• Governed by additional disclosures and agreements, where required

16. Policy Updates, Governing Law, Grievance Redressal & Contact Information

The Company reserves the right to modify, amend, update, or revise this Policy at any time, at its sole discretion, in order to reflect changes in applicable laws, regulatory requirements, business practices, technological developments, or operational needs. Any material changes to this Policy shall be communicated to users through appropriate means, including but not limited to notifications on the Platform, updates on the Company's website, email communication, SMS alerts, or other registered communication channels, as deemed appropriate by the Company.

Users are encouraged to periodically review this Policy to remain informed of any updates. Your continued access to or use of the Platform, website, mobile application, or related services following any such modification shall constitute your deemed acceptance of the revised Policy, unless otherwise required under applicable law.

This Policy shall be governed by and construed in accordance with the laws of India, including all applicable statutes, rules, regulations, and judicial precedents. Any dispute, claim, or controversy arising out of or in connection with this Policy, the use of the Platform, or any services offered by the Company shall be subject to the exclusive jurisdiction of the competent courts located at Visakhapatnam, Andhra Pradesh, India.

For any queries, concerns, complaints, requests relating to personal data, withdrawal of consent, correction of information, grievance redressal, or any matter relating to this Policy, users may contact the Company at the details provided below: