Welcome to AadharSathi and/or its associated mobile applications (collectively referred to as the “Website”), owned and operated by Sugali Finlease (P) Ltd (“Company” or “AadharSathi”).

This document (“Agreement”) is published under Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011, which outlines requirements for users accessing or using this Website.

By continuing to use this Website, you confirm that:

• You agree to comply with and be bound by these Terms and Conditions of Use.
• You are an Indian citizen and not a foreign national or Non-Resident Indian (NRI).
• You have reviewed and voluntarily accepted these Terms without any external influence or pressure.
• You are legally competent to enter into this Agreement and to use the Website in accordance with its terms.
• You understand that the Company may revise these Terms from time to time, and continued use of the Website constitutes acceptance of those changes.

If you do not agree to these terms, you may choose not to access or use the Website.

Privacy Policy

We respect your privacy. Our Privacy Policy outlines how we collect, use, store, and disclose personal information. We do not share your data with third parties unless required by applicable law or as described in the Privacy Policy.

Personal and financial information provided by you may be shared with regulatory bodies, partners, or service providers as permitted under law. Such data is handled with care and in accordance with applicable regulations.

User-Generated Content and Sharing

You may choose to share information or content through the Website. By doing so, you acknowledge and accept that:

• You are solely responsible for the content you post or share.
• You will not post unlawful, defamatory, obscene, or infringing material.
• You grant AadharSathi a non-exclusive, royalty-free license to use shared content as part of the service, where applicable.
• Content you delete may still be stored in system backups.
• You will not use the Website for commercial solicitation or marketing.
• We reserve the right to remove any content at our discretion.

Loan Applications and Registrations

Loans offered through the Website are subject to eligibility, verification, and the sole discretion of AadharSathi and/or its lending partners. Registering or applying does not guarantee loan approval.

During application, you may be asked to grant device-level permissions (e.g., camera, microphone, or location access) for onboarding or verification. Consent will be requested transparently and used only for specified purposes. You may choose to deny access; however, this may impact our ability to process your application.

Modifications

We may update or change any part of the Website or these terms without prior notice. Continued use indicates your acceptance of such modifications.

Third-Party Links

The Website may contain links to external websites. These are provided for convenience and are governed by their own terms and policies. We do not endorse or take responsibility for the content or services offered by such third parties.

Disclaimer

Information on the Website, including tools, calculators, and content, is intended for general informational purposes only. It does not constitute legal, financial, or investment advice. Users are encouraged to seek professional advice before making any decisions based on the content.

The Company is not affiliated with the government or any regulatory authority unless explicitly mentioned. Submission of a query does not guarantee service delivery or outcome.

All products and services are subject to availability, eligibility, and applicable terms and conditions. Services are offered "as is" and "as available" without warranties of any kind.

Limitation of Liability

The Company shall not be liable for any direct, indirect, incidental, or consequential loss or damages arising from your use of the Website or services provided, except as required under applicable laws.

In no event shall our liability exceed the amount, if any, paid by you to AadharSathi for services offered through the Website, subject to applicable law.

Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts located in Chennai, Tamil Nadu.

Updates and Revisions

These Terms and Conditions may be updated periodically. The effective date below reflects the most recent revision. We recommend reviewing these terms regularly to stay informed.

Effective Date: September 7, 2024