Newtap Finance Private Limited (previously known as Parfait Finance & Investments Private Limited)

Website Terms of Use

These website terms of use (Terms) govern your access to and use of this website (Web Site) provided by Newtap Finance and Investments Private Limited (Newtap). The website is available for your use, on the express condition that you agree to these Terms. If you do not agree to all or any of the Terms, do not access or use the website. By accessing or using the website, you and/or the entity you are authorised to represent (hereinafter 'You' or its grammatical variations) signify your agreement to be bound by these Terms. Newtap may revise and update these Terms at any time. Your continued usage of the Web Site after any changes to these Terms will be deemed as acceptance of the updated Terms. Any aspect of the Web Site may be changed, supplemented, deleted or updated without notice, at the sole discretion of Newtap .

User Eligibility

The Web Site is provided by Newtap and is available only to entities and persons who are competent to enter into a legally binding agreement under the applicable law. If You do not qualify, You are not permitted to use the Web Site.

Scope of the Terms

These Terms govern Your use of the Web Site and the services available herein (collectively known as "Services"), except to the extent that such Services are the subject of a separate agreement.

Any loans granted by Newtap shall be governed by the relevant facility documentation in relation to such loans including but not limited to loan agreements, sanction letters, security documentation or deeds etc. Newtap also reserves the right to establish or change, at any time, general practices and restrictions concerning Newtap products and services at its sole discretion notwithstanding whether such changes are reflected in the information made available on the Web Site.

Privacy Policy

Use of the Web Site is also subject to Privacy Policy separately made available on the Web Site.

Licence and Ownership

Any and all intellectual property rights ("Intellectual Property") associated with the Web Site and its contents (the "Content") are the sole property of Newtap, its affiliates or third parties. The Content is protected by Intellectual Property and other laws both in India and around the world. Elements of the Web Site are also protected by trade name, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All customised graphics, icons, and other items that appear on the Web Site are protected marks ("Marks") of Newtap, its affiliates or other entities that have granted Newtap the right and licence to use such Marks and such Marks may not be copied, used or interfered with in any manner without the express written consent of Newtap. Except as otherwise expressly authorised by these Terms, You may not copy, reproduce, modify, amend, lease, loan, sell and/or create derivative works from, upload, transmit, and/or distribute the Intellectual Property of the Web Site in any way without Newtap’s prior written permission or that of the relevant 2 third party. Except as expressly provided herein, Newtap does not grant to You any implied rights to the Intellectual Property of Newtap or that of any third party.

Newtap hereby grants You a limited, personal, non-transferable, non-sublicensable, revocable licence to (a) access and use only the Web Site, Content and Services only in the manner presented by Newtap, and (b) access and use the Newtap computer and network services offered within the Web Site (the "Newtap Systems") only in the manner expressly permitted by Newtap. Except for this limited license, Newtap does not convey any interest in or to the Newtap Systems, information or data available via the Newtap Systems (the "Information"), Content, Services, Web Site or any other Newtap property by permitting You to access the Web Site. Except to the extent required by law or as expressly provided herein, none of the Content and/or Information may be reverse-engineered, modified, amended, reproduced, republished, translated into any language or computer language, re-transmitted in any form or by any means, resold or redistributed without the prior written consent of Newtap. You may not make, sell, offer for sale, modify, amend, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way unless expressly permitted to do so by Newtap.

Restrictions on Use Of The Website

In addition to other restrictions set forth in these Terms, You agree that:

• You shall not disguise the origin of information transmitted through the Web Site.
• You will not place false or misleading information on the Web Site.
• You will not use or access any service, information, application or software available via the Web Site in a manner not expressly permitted by Newtap.
• You will not input or upload to the Web Site any information that may contain viruses, Trojan horses, worms, time bombs or other computer programming routines that are intended to damage, interfere with, intercept or expropriate any system, the Web Site or Information or that infringes the Intellectual Property rights of another.
• Certain areas of the Web Site are restricted to customers of Newtap.
• You may not use or access the Web Site or the Newtap Systems or Services in any way that, in Newtap's judgment, adversely affects the performance or function of the Newtap Systems, Services or the Web Site or interferes with the ability of authorised parties to access the Newtap Systems, Services or the Web Site.
• You may not frame or utilize framing techniques to enclose any portion or aspect of the Content or the Information, without the express written consent of Newtap.

Links

Outbound Links. The Web Site may contain links to third-party Web Sites and resources (referred to collectively hereinafter as "Linked Sites"). These Linked Sites are provided solely as a convenience to You and not as an endorsement by Newtap of the content of such Linked Sites. Newtap makes no representations or warranties regarding the correctness, accuracy, performance or quality of any content, software, service or application found at any Linked Site. Newtap shall not be responsible for the availability of the Linked Sites or the content or activities of such sites. If You decide to access Linked Sites, You do so at Your own risk. In addition, Your use of Linked Sites is subject to any applicable policies and terms and conditions of use, including but not limited to, the Linked Site's privacy policy.

Inbound Links. Linking to any page of the Web Site through a plain text link is strictly prohibited in the absence of a separate linkage agreement with Newtap. Any website or other apps that link to the Web Site or any page available herein is prohibited from

• replicating Content,
• using a browser or border environment around the Content,
• implying in any fashion that Newtap or any of its affiliates endorse it or its products,
• misrepresenting any state of facts, including its relationship with Newtap or any of the Newtap affiliates,
• presenting false information about Newtap products or services, and
• using any logo or mark of Newtap or any of its affiliates, without express written permission from Newtap

Termination

You agree that Newtap, at its sole discretion, may terminate or suspend Your use of the Web Site, the Newtap Systems, Information, Services and Content at any time and for any or no reason at its sole discretion, even if access and use continue to be allowed to others. Upon such suspension or termination, You must immediately discontinue Your use of the Web Site.

Disclaimer of Warranties

Newtap makes no representations about the results to be obtained from using the website, the Newtap systems, the services, the information or the content. The use of same is at your own risk. The website, the Newtap systems, the information, the services and the content are provided on an "As is" basis. Newtap, its licensors, and its suppliers, to the fullest extent permitted by law, disclaim all warranties, either express or implied, statutory or otherwise, including but not limited to, the implied warranties of merchantability, non-infringement of third party rights, and fitness for a particular purpose. Newtap and its affiliates, licensors and suppliers make no representations or warranties concerning the accuracy, completeness, security or timeliness of the content, information or services provided on or through the use of the web site or the Newtap systems. No information obtained by you from the website shall create any warranty not expressly stated by Newtap in these Terms.

Limitation of Liability

To the extent permitted by law, in no event shall Newtap, its affiliates, licensors, suppliers or any third parties mentioned at the Web Site be liable for any incidental, direct, indirect, exemplary, punitive and/or consequential damages, lost profits, and/or damages resulting from lost data or business interruption resulting from the use of and/or inability to use the website, the Newtap systems, information, services or the content whether based on warranty, contract, tort, delict, or any other legal foundation, and whether or not Newtap is advised of the possibility of such damages. To the extent permitted by law, the remedies stated for you in these Terms are exclusive and are limited to those expressly provided for herein.