Terms And Conditions

Girnar Capital Private Limited (formerly known as Khemlani Finance Private Limited),(hereinafter referred to as “GCap” or “We” or “Us” or “Our” or “The Company) welcomes you at www.girnar.capital .Gcap is a Non- Banking Financial Company (NBFC) and engaged in the business of providing vehicle loans.The Company is having a valid Certificate of Registration dated 02.05.2022 issued by the Reserve Bank of India under section 45IA of the Reserve Bank of India Act, 1934 (the Reserve Bank of India does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for the repayment of deposits/ discharge of liabilities by the Company).

THESE WEBSITE TERMS OF USE ("Terms Of Use") IS AN ELECTRONIC RECORD IN THE FORM OF AN ELECTRONIC CONTRACT FORMED UNDER INFORMATION TECHNOLOGY ACT, 2000 AND RULES MADE THEREUNDER AND THE AMENDED PROVISIONS PERTAINING TO ELECTRONIC DOCUMENTS / RECORDS IN VARIOUS STATUTES AS AMENDED BY THE INFORMATION TECHNOLOGY ACT, 2000. THESE TERMS OF USE DOES NOT REQUIRE ANY PHYSICAL, ELECTRONIC OR DIGITAL SIGNATURE.

This Terms of Use is published in accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, read with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 (as amended from time to time) that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of Website (defined below).

The domain name www.girnar.capital is owned by Girnar Capital Private Limited (formerly known as Khemlani Finance Private Limited), a company incorporated under the Companies Act, 1956.

These Terms of Use of the website available at www.girnar.capital and mobile site (individually and collectively, “Website”) is between Gcap and the guest users or registered users of the Website (hereinafter referred to as "You" or "Your" or "Yourself" or "User") describe the terms on which Gcap offers You access to the Website for availing services and buy products, as are incidental and ancillary thereto ("Services", and more particularly defined hereinafter).

1) Acknowledgment:

Entire Agreement: These Terms of Use together with below listed documents/policies (without limitation) available either at Website or entered separately by Gcap with You, as applicable, and all other notices, rules, guidelines with respect to Your use of Website, constitutes the entire agreement (“Agreement”) between Gcap and You.

• Privacy Policy
• Additional Terms and Conditions
• Terms of Sale

These additional documents/policies, wherever applicable, including terms imposed by mobile application stores like Apple’s iTunes, Android’s etc. if any are deemed to be incorporated under these Terms of Use by way of reference.

You acknowledge and agree that Your usage (defined below) of the Website are strictly regulated and governed by the terms and conditions of this Agreement.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING OR REGISTERING ON THE WEBSITE OR, ACCESSING ANY MATERIAL, INFORMATION OR SERVICES, POSTING ANY ADVERTISMENT/INFORMATION AT OR THROUGH THE WEBSITE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT USE THE WEBSITE.

Gcap may use third-party service providers to assist Gcap, in improving our Services and Website and to monitor our Users’ interests and activities. You hereby authorise Gcap and/or third party or any other service providers engaged by Gcap to collect, use, store, analyse, reproduce, publish, and adapt (either on its own or through third party service provider or service provider belonging to it’s affiliate/ group), the information in relation to Your use of the Website for the purpose of data analysis and for improving Your experience on the Website. You acknowledge that this is solely undertaken by Gcap to improve Your experience in relation to the use of the Website and the provision of such Services shall be subject to such additional terms and conditions of Girnar and/or third-party service providers.

Gcap shall not be responsible for any service availed by You from such third parties or any payment made by You to such third parties in connection with the services. Any concern or claims in relation to such services should be directed by You to such third parties. If you click on the links to third-party websites, you leave the Website. We are not responsible for the content of these third-party websites or for the security of Your personal information when You use the third-party websites.

2) Eligibility:

Service available through or use of the Website is available only to persons of majority (18 years of age or more) and who can legally component to form a contract under the Indian Contract Act, 1872 (as amended from time to time), or any other act or enactments to which the person is subject.

Persons who are incompetent, to make a legal and valid contract, for any reason whatsoever (minor, lunatic, insane, undischarged insolvent or otherwise) are not eligible to use Our Website and avail Our Services. BY ACCESSING OUR WEBSITE OR AVAILING ANY OF OUR SERVICES, YOU REPRESENT TO GCAP THAT YOU ARE MAJOR AND LEGALLY COMPETENT TO FORM A VALID CONTRACT UNDER THE TERMS OF USE.

Further to this, Gcap reserves its right, without assigning any reason, to restrict or limit Your access to the Website and can further terminate Your access to Website and deny the Services or any other product available through or at Our Website. This right of suspension / termination of Services of Gcap, is in addition to any other remedy available to Girnar, for access & usage of Website or availing any of Our Services through Website, which is in contravention of any of the terms and conditions of Terms of Use or this Agreement or any other applicable law.

3) Important:

This Website is an Intermediary in terms of Information Technology Act, 2000 (as amended from time to time), which provides a platform to users to avail the Services. Any information provided either through or at Website is only for information purpose and such information does not substitute any specific advice whether investment, legal, taxation or otherwise and are not intended to provide You with any nature of certification, guarantee or warranty. Gcap is not responsible and cannot be held liable for any transaction between the Website’s User.

By accessing, browsing, and using this Website or availing Services, you agree and acknowledge that, you understand this limited and restricted use and accessing, browsing, or using this Website or availing any Services is out of your own free will, discretion, and responsibility.

Gcap reserves its right to modify, suspend, cancel, or discontinue any or all sections, or Services at any time without any notice. Gcap reserves the right to make modifications and alterations in the information contained on the Website without notice. You agree that Gcap shall not be liable to You or to any third party for any modification, suspension, or discontinuance of the Website.

You expressly agree that any information provided on the Website shall be used by you at your risk. You are advised to hereby make proper enquiries and use the information provided on the Website.

From time-to-time Gcap may supplement its Terms of Use with additional terms pertaining to specific content. These terms are collectively referred as (“Additional Terms”). Such Additional Terms are hereby incorporated by reference into these Terms of Use.

4) Services:

Gcap provides/ facilitates a platform to the Users of Website and acts as an Intermediary. All information and material available on the Website is only to assist the User of Website who are interested in the Services provided by Gcap and who wants to explore the more options before concluding their transactions. Among other services and information, Gcap may provide any or all the below listed services to the Users:

Website may provide certain Features, Content ("Features" and “Content” are defined below) that enable sending/receiving invites/solicitation messages/reminders to your contacts whose details, as required under the specific Features, are submitted, and specifically permitted by you to be so used.

Website may provide the facility to the Users for their engagement for buying and selling the various products under the Terms of Use.

All the above listed services are provided at the sole discretion of Gcap, and You acknowledges and agree that Gcap can add or provide additional services not listed above, or can remove / suspend / cancel any or all services/products, listed above without any notice or liability.

5) Features And Content:

“Contents" or "Content" shall mean any and all information, data, text, software, music, sound, photographs, graphics, video, messages, materials, news, notices, articles, contracts, forms, documents or other materials and information which may be viewed or downloaded on or through this Website. Contents shall also include any e-mail, messages, e-cards, or any other information furnished by a user to be displayed on the Website by Gcap.

"Feature" or "Features": A "Feature" may include any interactive, value addition service or other additional feature including without limitation comparison, 360 degree view etc. which are introduced or available on the Website.

Gcap may allow the User of Website to upload or post certain content, data or information, message, files, photographs, pictures, articles, feedback, or any other material of combination thereof (collectively referred to "User Content") accessible to others or transmit communications to others. Some of these tools may be operated by third parties, and Your use of them is subject to both the terms of this Agreement and to the policies of their third-party providers. This Feature is available to You as a matter of convenience only and to express Your views on products / services available through or at Website.

Being the originator of the User Content, You are solely responsible for the User Content that You upload, post, publish, transmit or otherwise make available on the Website. You represent that you have obtained all relevant consents and approvals in order to post any User Content. You further represent that all such User Content will be in accordance with applicable law. You acknowledges and agree that of the User Content posted or transmitted through our Website represents the views of the author, and not of www.girnar.capital .You also acknowledge that your use of or reliance on such content is at your own risk.

You acknowledge that Gcap does not endorse any User Content on the Website and is not responsible or liable for any User Content. In case the User Content violates/infringes any patent, trademark, trade secret, copyright or any other proprietary or privacy rights of any third party or in contravention of any applicable law, then Gcap at its sole discretion may remove or disable the access to the User Content or any part thereof, without any notice to User.

Assignment of User Content: You hereby grant Gcap a perpetual, non-revocable, worldwide, royalty-free, and sub-licensable right and license to use, copy, distribute, display, publish, transmit, make available, reproduce, modify, adapt the User Content, and create derivate works of the User Content. You represent and warrant that You own or otherwise control all of the rights to the User Content that You post or that You otherwise provide on or through the Website; and that, as at the date that the User Content is posted or submitted on the Website: (i) the User Content is accurate; (ii) use of the User Content You supply does not breach these Terms of Use; and (iii) that such User Content is lawful. You agree that collection, storage, sharing or disclosure of Your Information that You provide to Us shall be governed by the Privacy Policy of Girnar, incorporated herein by way of reference.

6) User’s Obligation:

Subject to the compliance with all applicable laws, rules and terms and conditions of this Agreement, Gcap grants the User a limited, non-exclusive, non-sub-licensable, non-transferable, revocable, and limited permission to access and use the Website and avail the Services provided through or at the Website.

• You acknowledge, agree, and undertake that Your use of the Website shall be strictly governed by this Agreement (including Term of Use) and the following binding principles:
• You shall not use or access the Website or avail the Services by any means other than through the interface that are provided by Gcap.
• When You use the Website or Website and/or the Services You specifically undertake not to host, display, upload, modify, publish, transmit, update, or share any information or Content or User Content that:

1. belongs to another person and to which the User does not have any right to;
2. is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating, or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever.
3. infringes any patent, trademark, copyright or other proprietary rights;
4. violate any applicable laws or regulations for the time being in force within or outside India;
5. deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
6. impersonate another person or entity;
7. contain software viruses or any other computer code, files or programs designed to interrupt destroy or limit the functionality of any computer resource;
8. threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting of any other nation;
9. is misleading in any way or shall not, directly, or indirectly, offer, attempt to offer, trade, or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation, or guideline for the time being in force.
10. engage in any activity that interferes with or disrupts access to the Website or the Services available through or at the Website and shall not attempt or involve in the transmission of “junk/phishing mail,” “chain emails / letters,” “spamming” or “unsolicited mass mailing.”
11. attempt to gain unauthorized access to any other user’s account, Website any portion or Feature of the Website, any other systems or networks connected to the Website, or any computer resource / servers, of Gcap connected with the Website to provide the Services. You shall not access the Website, Features or any of the Services offered on or through the Website, by hacking, password mining or any other illegitimate means or through automated means including robot, deep link, page scrape;
12. You shall not probe, scan, or test the vulnerability of the Website or any network connected to the Website, nor disrupt, interfere, breach the security or authentication measures on the Website or any network connected to the Website or cause any harm to the Website, system resources, servers of Gcap connected to or accessible through the Website. You may not reverse look-up, trace or seek to trace any information on any other user, of or visitor to, the Website, or any other customer of Gcap , including any other Account on the Website not owned by You, to its source, or exploit the Website or Service or information made available or offered by or through the Website, in any way whether or not the purpose is to reveal any information, including but not limited to personal identification information, other than Your own information, as provided for by the Website;
13. use the Website or Content for any purpose that is unlawful or prohibited by the Agreement, or to solicit the performance of any illegal activity or other activity which infringes the rights of Gcap or other third parties;
14. falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded;
15. violate any code of conduct or other guidelines, terms of this Agreement which may be applicable for or to any particular Service;
16. You shall not make any negative, denigrating, or defamatory statement(s) or comment(s) about Us or the brand name, trade name or domain name used by Us or otherwise engage in any conduct or activity that might spoil the image or reputation of Gcap or buyers/sellers on Website or otherwise.

7) Audit:

Gcap at all times reserves its right, but not an obligation, to audit the Content, User Content, Features available on Website or any other material or information posted/uploaded by the User. If at any time, in sole discretion of Gcap, Gcap determines that any Content/User Content or any other material or Feature of the Website is in contravention of any law for the time being in force or spirit of the terms and conditions of this Agreement or violates the privacy of any person, then Gcap may either remove or edit or block such material without any notice.

Notwithstanding the above-said right, You acknowledge and understand that all User Content, whether publicly posted or privately transmitted, are the sole responsibility of the person from which such User Content originated. This means that You, and not Gcap, are entirely responsible for all User Content that you have provided Gcap with, in order to upload, post, transmit or otherwise make available via the Website. You further acknowledges and agree that these User Content does not necessarily reflect the views of the Gcap nor Gcap endorse any such User Content.

Further to this it is informed that Gcap may share the information pertaining to such instance (with or without demand) with Government agency for the purpose of verification of identity of User, or for prevention, detection, investigation, prosecution, and punishment. Therefore it is advised to You that You should not involve in any such activities or use which violate any applicable law, rules, regulation or breach the terms and conditions of this Agreement.

8) Buyers:

Any User, who buy products after visiting Our Website (“Buyer”), does so solely at his own discretion, risk, and responsibility. GCap does not make any recommendations nor gives any warranty (implied or express), guarantee or otherwise with respect to the quality, functionality, fitness for a particular purpose.

You acknowledge and agree that details available on the Website is available only for information purpose. You further acknowledge and agree that any information including actual charges of any product may vary from time to time and therefore You shall alone, and not Gcap, be responsible to for any such charges, any additional cost, if incurred by the Buyer or any other information.

GCap may from time to time, launch certain offers/coupons/deals (“Scheme”) for promotion of Website and User engagement. As a Buyer, you acknowledge and agree that you shall strictly abide by the terms and conditions of the Scheme, as applicable, which shall be in addition to this Agreement.

It is clarified that any Scheme provided by the GCap, unless otherwise provided, shall not be clubbed, or combined with any other scheme available on Website. Further to this, GCap, depending upon the different circumstance, may suspend/cancel/vary the Scheme without any notice.

When Buyer buys any product after visiting the Website, Buyer shall alone be responsible to complete the documentation part as per applicable laws and GCap shall not be responsible for any consequences (including without limitation delay in delivery of product, cancellation of transaction, incomplete or improper documentation) whatsoever.

9) Links to third party websites and third party content:

Our Website may contain, hyperlinks to websites operated by third parties (“Third Party Content”). The provisions of Third Party Content is for general information purpose only.

Gcap makes reasonable efforts to ensure that the details provided on our Website is accurate, however, Gcap does not control such Third Party Content and therefore shall not be responsible for any loss or damages resulting out of the use of Third Party Content.

The inclusion of Third Party Content to Our Websites does not imply the Company’s certification or endorsement of such websites nor any association with their operators. Gcap or its affiliates or associates or its employees do not provide any judgment or warranty in respect of the authenticity or correctness of the Third Party Content of such other services or sites to which links are provided. A link to another service or website is not an endorsement of any products or services on such site or the Website. You shall be solely responsible for any or all the consequences that arise out of your use of such Third Party Content or hyperlinks to other websites.

On the Website, Google, as a third-party vendor, uses cookies to serve ads. Google’s use of the DoubleClick DART Cookie enables it to serve ads to the Website’s users based on their visit to the Website and third-party websites. For more information on the DART Cookie see: http://www.google.com/privacy ads.html. You may opt out of the use of the DART Cookie by Google by visiting the Google Ad and Content Network Privacy Policy at: http://www.google.com/privacy_ads.html.

You may opt out of targeting advertising for all NAI member ad networks by visiting: http://www.networkadvertising.org/. By publishing an ad on the Platform, you acknowledge and agree that the Content is public and accessible by any third party and that they may appear in search engine results (such as Yahoo!, MSN, Google, Altavista, and other search engines) and in the cache of those search engines, in feeds and third-party websites pursuant to co branding agreements, and that it is the sole responsibility of each of those search engines, third-party websites or RSS web feed resources to update and/or to remove Content from their indexes and their cache. You agree and acknowledge that Gcap is not liable for the information published in search results or by any third- party website that carries Gcap postings.

10) Fees & Payments:

Access to Website is free and Users (Registered or Guest) can browse the information/products and avail the Services free of charge. However Gcap, reserves the right, and may levy certain charge and fees in the future. You agree to pay any such fee as may be applicable to the Services or Product that You avail.

Taxes: You are responsible for paying all fees associated with the use of the Website and You agree to bear any and all applicable taxes, charges, cesses etc. levied thereon.

You shall be responsible for all Your Fee and Payment related obligations and Gcap reserves the right to suspend the Services/Account or terminate the membership in case You do not fulfil Your payment related obligations in full. We also reserves the right to take legal action in case of non- payment of fees.

You acknowledge and agree that You shall not use the details of credit card/debit card/net-banking or any other payment instrument which is not lawfully owned by You.

Gcap, from time to time, may contact with third party payment processing service providers to facilitate payment of orders that You place on our Website which includes banks, financial institution etc. You shall be responsible to abide by all rules/regulations/guidelines as issued and applicable to online payments.

When You make the payment through third party payment gateway, such third party process Your Payment to Gcap, provided You comply with all applicable rules and regulations. Gcap shall not be responsible for any failure/decline in making payment due to any reason (including without limitation exceeding limit, wrong details etc.) as Gcap does not control such third parties.

11) License, Website Access & Modification

License and Website Access: Subject to the compliance with all applicable laws, rules and terms and conditions of this Agreement and/or Additional Terms, Gcap grants the User a limited, non-exclusive, non-sub-licensable, non-transferable, revocable, and limited permission to access and use the Website and avail the Services provided through or at the Website, subject to the following conditions:

The license shall not include: (i) any resale or commercial use of this Website or its Contents; or (ii) any derivative use of this Website or its Contents.

You, your partners, your employees, your agents or any other person associated with you personally or professionally, may not, with or without compensation, prepare any derivative works from, or sell, lease, license, e-mail, reproduce, duplicate, copy, resell, republish, transmit or distribute or otherwise exploit for any commercial purpose via any media, now known or unknown, any Contents from this Website to any other entity or individual.

No Contents or information on the Website may be reproduced in any form or incorporated into any internet web-site or any other information retrieval system, either electronic or mechanical. It is a condition of Your use of this Website that You do not restrict or inhibit any other user from using this Website.

You shall not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Gcap and/or our affiliates without the express written consent of Gcap. You may not use any meta tags or any other "hidden text" utilizing Gcap’s name or trademarks without the express written consent of Gcap.

Any software that is available on the Website is the property of Gcap or its vendors. You may not use, download, or install any software available at the Website, unless otherwise expressly permitted by the Agreement or by the express written permission of Gcap.

Any unauthorized use terminates the permission and the license granted by Gcap under this Agreement to you.

Modification: All information available on Website is made available to You on best efforts basis, however, Gcap does not guarantee nor assume any responsibility for the correctness of such information/data. Gcap reserves the right to modify, suspend/cancel, or discontinue any or all sections, or service at any time without notice. In case the information) is found to be not up to date or incorrect, Gcap reserves the right to make modifications and alterations in the information contained on the Website without notice. You agree that Gcap shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Website.

You expressly agree that any information provided on the Website shall be used by You at Your risk. You are advised to hereby make proper enquiries and use the information provided on the Website.

From time to time Website may supplement its terms of use with Additional Terms pertaining to specific content. Such Additional Terms are hereby incorporated by reference into these Terms of Use.

12) Intellectual Property Rights:

All text, graphics, audio, design, and other works on the Website are the copyrighted works of Gcap or its licensors. Content on the Website is for personal use only, unless permitted otherwise. Any alteration of the material or use of the material contained in the Website for any commercial purpose is a violation of the copyright of the Company and/or its affiliates or group or associates or of its third-party information providers.

Website may contain also contain certain trade-marks, logos or service marks (“Marks”). These Marks are the proprietary to the Gcap or its vendors/seller or respective third parties. You are not permitted to use the Marks, in any manner, without first obtaining the written permission of the Gcap or its vendor or third party that own and control the Marks.

YOU ACKNOWLEDGE AND AGREE THAT THROUGH YOUR USE OF WEBSITE OR BY AVAILING ANY PRODUCT OR SERVICES THROUGH OR AT WEBSITE, NO RIGHT (EMPRESS OR IMPLIED) IS GRANTED TO YOU IN RESPECT OF SUCH CONTENT. GCAP RESERVES THE RIGHT TO CHANGE OR MODIFY THE CONTENT FROM TIME TO TIME AT ITS SOLE DISCRETION.

You further acknowledge and agree that You shall not copy, reproduce, republish, upload, post, transmit or distribute, the Content available on the Website, in any way without obtaining the prior permission from Gcap or its licensors. All responsibility and liability for any damages caused by downloading of any data is disclaimed.

It is clarified that any use of the Website, Content, Marks, or other intellectual property rights of Gcap, in contravention of the terms of this Agreement or any applicable law shall constitute the infringement of such intellectual property right of Gcap or their respective third party, upon which Gcap or third party may initiate the appropriate legal proceedings against the User.

Unless otherwise indicated or anything contained to the contrary or any proprietary material owned by a third party and so expressly mentioned, Gcap owns all intellectual property rights to and into the Website, including, without limitation, any and all rights, title and interest in and to copyright, related rights, patents, utility models, designs, know-how, trade secrets and inventions (patent pending), goodwill, source code, meta tags, databases, text, content, graphics, icons, and hyperlinks.

ALL RIGHTS NOT EXPRESSLY GRANTED HEREUNDER TO THE USER, ARE RESERVED EXCLUSIVELY TO GCAP.

13) Disclaimer of Warrant and Liability:

ALL CONTENT, USER CONTENT, THIRD PARTY CONTENT OR INFORMATION PERTAINING TO WEBSITE OR ANY PRODUCT / SERVICES ARE PROVIDED TO YOU ON “AS IS” BASIS AND WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

WHEN YOU ACCESS THE WEBSITE OR AVAIL ANY PRODUCT OR SERVICES AT OR THROUGH THE WEBSITE, YOU DO SO AT YOUR OWN RISK. YOU UNDERSTAND THAT THERE MAY BE DELAYS, OMISSIONS, INTERRUPTIONS, INACCURACIES, AND/OR OTHER PROBLEMS WITH THE INFORMATION, PRODUCTS, AND SERVICES PUBLISHED ON OR PROMOTED THROUGH THIS WEBSITE. WITHOUT LIMITING THE FOREGOING, GCAP AND ITS AFFILIATES, AGENTS, AND LICENSORS MAKES NO WARRANTY THAT:

THE WEBSITE OR THE SERVICES WILL MEET YOUR REQUIREMENTS OR YOUR USE OF THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE;

THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE OR SERVICES WILL BE EFFECTIVE, ACCURATE OR RELIABLE;

THE QUALITY OF THE WEBSITE OR SERVICES WILL MEET YOUR EXPECTATIONS; OR

ANY ERRORS OR DEFECTS IN THE WEBSITE OR SERVICES WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM GCAP OR THROUGH THE WEBSITE / CONTENT OR FROM USE OF THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE.

WEBSITE WILL BE ERROR FREE, OR CONTINUOUSLY AVAILABLE, OR THAT THIS WEBSITE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS AND OTHER CODES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES. GCAP AND ITS AFFILIATES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY CLAIMS, ACTIONS, OR JUDGMENTS ARISING OUT OF OR RELATED TO ANY CONTENT POSTED TO THIS WEBSITE BY YOU OR ANY THIRD PARTY.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO THE APPLICABLE LAW, GCAP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED RELATED TO WEBSITE, CONTENT, USER CONTENT, PRODUCT SERVICES, THIRD PARTY CONTENT ARISING UNDER INTELLECTUAL PROPERTY RIGHT, LIBEL, PRIVACY PUBLICITY, OBSCENITY OR OTHER LAWS. GCAP ALSO DISCLAIMS ALL LIABILITY WITH RESPECT TO THE MISUSE, LOSS, MODIFICATION OR UNAVAILABILITY OF ANY USER CONTENT AND / OR THIRD PARTY CONTENT.

ANY MATERIAL, CONTENTS, SOFTWARE, OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED FROM THE WEBSITE IS SUBJECT TO THIS AGREEMENT AND DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. GCAP IS NOT LIABLE ON THE AUTHENTICITY OF SUCH DATA/INFORMATION.

WITHOUT LIMITING THE FOREGOING, UNDER NO CIRCUMSTANCES SHALL GCAP BE HELD LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM ACTS OF NATURE, FORCES, OR CAUSES BEYOND ITS REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION, INTERNET FAILURES, COMPUTER EQUIPMENT FAILURES, TELECOMMUNICATION EQUIPMENT FAILURES, OTHER EQUIPMENT FAILURES, ELECTRICAL POWER FAILURES, STRIKES, LABOR DISPUTES, RIOTS, INSURRECTIONS, CIVIL DISTURBANCES, SHORTAGES OF LABOR OR MATERIALS, FIRES, FLOODS, STORMS, EXPLOSIONS, ACTS OF GOD, WAR, GOVERNMENTAL ACTIONS, ORDERS OF DOMESTIC OR FOREIGN COURTS OR TRIBUNALS, NON-PERFORMANCE OF THIRD PARTIES, OR LOSS OF OR FLUCTUATIONS IN HEAT, LIGHT, OR AIR CONDITIONING

YOU EXPRESSLY UNDERSTAND AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW GCAP WILL NOT BE LIABLE FOR ANY LOSS THAT YOU MAY INCUR AS A CONSEQUENCE OF UNAUTHORIZED USE OF YOUR ACCOUNT OR ACCOUNT INFORMATION IN CONNECTION WITH THE WEBSITE OR ANY SERVICES, EITHER WITH OR WITHOUT YOUR KNOWLEDGE. YOU FURTHER ACKNOWLEDGE AND AGREE THAT IF YOU PURCHASE/DOWNLOAD THE WEBSITE FROM OTHER THIRD PARTY SERVICE PROVIDERS (e.g. GOOGLE PLAY STORE, APPLE ETC.), THEN NEITHER GCAP NOR ANY THIRD PARTY SERVICE PROVIDER SHALL BE HELD LIABLE FOR ERROR OR FAILURE ON THE PART OF THE WEBSITE TO FUNCTION PROPERLY. YOU SHALL FOLLOW THE RULES/GUIDELINES BEFORE DOWNLOADING/INSTALLING THE WEBSITE AS RECOMMENDED BY THIRD PARTY SERVICE PROVIDERS.

14) Indemnification and Limitation of Liability:

Indemnity: you agree to indemnify, defend and hold harmless Gcap, its subsidiaries, affiliates, and its group companies, vendors, agents and their respective directors, officers, employees, contractors and agents (herein after individually and collectively referred to as "Indemnified Parties") from and against any and all losses, liabilities, claims, suits, proceedings, penalties, interests, damages, demands, costs and expenses (including legal and other statutory fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by the Indemnified Parties that arise out of, result from, or in connection with (i) Your breach of the Agreement(s); or (ii) any claims made by any third party due to, or arising out of, or in connection with, Your use of the Website; or (iii) any claim that any Content / User Content / Third Party Content, information or materials provided by You caused damage to a third party; or (iv) Your violation of any rights of another, including any intellectual property rights.

Gcap may notify You of any claims which You shall be liable to indemnify Gcap against. You will then be required to consult with Gcap regarding the course of action to be undertaken in defending such a claim. Further, You shall not compromise or settle any claim or admit any liability or wrongdoing on the part of Gcap without the express prior written consent of Gcap which can be withheld or denied or conditioned by Gcap in its sole discretion.

Limitation of Liability: Gcap assumes no liability whatsoever for any monetary or other damage suffered by You on account of:

• The delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website;
• Any interruption or errors in the operation of the Website. Notwithstanding anything to contrary in the Agreement(s), in no event shall Gcap , its subsidiaries or affiliates , its group companies and their respective officers, directors, employees, partners or suppliers be liable to You for any special, incidental, indirect, consequential, exemplary or punitive damages whatsoever, including those resulting from loss of use, data or profits, whether or not foreseeable or whether or not Gcap has been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with Your use of or access to the Website, Services, Content, User Content or Third Party Content. Gcap’s entire and aggregate liability to You under and in relation to these Terms of Use or otherwise shall not exceed the greater of Indian Rupees One Hundred (INR 100) or the amount of fees, if any, paid by You to Gcap under the relevant order to which the cause of action for the liability relates.

15) Platform for Communication:

This Website is only a platform to facilitate the interaction between the Users of the Website and provided an opportunity to browse the products and Services and conclude the transactions.

Therefore Gcap is not and cannot be a party to or control in any manner any transaction between two Users of the Website. Consequently:

1. All commercial/contractual terms are offered by and agree to between the Buyer and Seller alone.
2. Gcap is not responsible for any non- non-performance or breach of any contract entered into between Users . GCap cannot and does not guarantee that the concerned Users will perform any transaction concluded on the Website.

You further agree and acknowledge that Gcap is only a facilitator and is not and cannot be a party to or control in any manner any advertisement, exhibition, making available, offer to sell or transactions of sale or purchase of products/Services on the Website. Gcap is not the seller of the products. Accordingly, any contract for the sale / purchase of products/Services on the Website is a bipartite contract between Buyer and Seller.

You shall independently agree upon the manner and terms and conditions of delivery, payment, insurance etc. with the other Users that you transact with.

You release and indemnify Gcap 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 Site and specifically waive any claims that you may have in this behalf under any applicable law. Notwithstanding its reasonable efforts in that behalf, Gcap cannot control the information provided by other Users which is made available on the Website. You may find other User's information to be offensive, harmful, inaccurate, or deceptive. Please use caution, common sense, and practice safe trading when using the Website. Please note that there are also risks of dealing with foreign nationals, underage persons or people acting under false pretense.

In addition to this, and being an Intermediary, You acknowledge and agree that when You interact with Gcap through Website or send any data/email/message or communicate otherwise, You are communicating with Gcap through electronic means and gives Your consent to receive communication through electronic means periodically and as and when required.

16) Report Abuse & Your Feedback:

Gcap advises its Users, not to post or upload anything which is abuse of the Website or violate any terms of this Agreement. Gcap also prohibits the use of language that is racist, hateful, sexual, or obscene in nature in a public area. If You come across any such instance of abuse of violation or any content which is objectionable content or further if You believe that any material/information/post/feedback is infringement of any intellectual property right of You or any other person, You shall inform the same to Gcap and Gcap is committed to take appropriate action including validation of Your information and remove/modify the content (if necessary), which is in breach of the Terms of Use or any other applicable law.

Email Abuse and Threat Policy: Private communication including email correspondence is not regulated by Gcap. Gcap advises its Users not to use/send any such email. Any such reported instance will be investigated and Gcap will take appropriate measures (including legal steps, if required) to stop such practices.

Your Feedback: When You share any feedback or post any comment (including User Content) on Website, it is deemed Non-Confidential. Gcap is at liberty to use any such feedback or User Content and You represent that: (i) Your feedback does not contain confidential or proprietary information of You or of third parties; (ii) Gcap is not under any obligation of confidentiality, express or implied, with respect to the feedback; (iii) Gcap may have something similar to the feedback already under consideration or in development; and (iv) You are not entitled to any compensation or reimbursement of any kind from Gcap for the feedback under any circumstances.

17) Arbitration:

You and Gcap each agree that any and all disputes or claims that have arisen, or may arise, between You and Gcap relating in any way to, or arising out of this or previous versions of the Agreement, or any other documents incorporated herein by way of reference or your use of or access to Gcap's Services, or any products or Services sold, offered, or purchased through Gcap's Services shall be referred to the sole arbitrator who shall be an independent and neutral third party and shall be appointed by Gcap.

The place of arbitration shall be New Delhi, India. The arbitration proceedings shall be in the English Language and shall be governed by Arbitration & Conciliation Act, 1996 (as amended from time to time).

A party who intends to seek arbitration must first send to the other, by certified mail, a completed form Notice of Dispute ("Notice"). The Notice to Gcap must be sent to the address identified under clause 18 (Miscellaneous).

18) Miscellaneous:

Notice: Except as explicitly stated otherwise, any notices shall be given by postal mail/email
On behalf of Girnar to:

Girnar Capital Private Limited (formerly known as Khemlani Finance Private Limited)

Attn: Legal Function
Address: 11 th Floor, Tower B, Emaar Digital Greens, Sector 61, Gold Course Extension Road, Gurgaon- 122102, Haryana, India
Email: gcapcompliance@rupyy.com

AOn behalf of User to All notices with respect to these Terms of Use from Gcap will be served to You:

By email (as provided by You at the time of Registration or communicating with Gcap) or by general notification on the Website.

Assignment: You cannot assign or otherwise transfer the Agreements, or any rights granted hereunder or any obligations, to any third party and any such assignment or transfer or purported assignment or transfer shall be void ab initio. Gcap’s rights and/or obligations under the Agreement are freely assignable or otherwise transferable by Gcap to any third parties without the requirement of seeking Your prior consent. Gcap shall have right to transfer Your Account and Account Information to a third party.

Severability:If any clause of this Agreement shall be deemed invalid, void or for any reason unenforceable, such clause shall be deemed severable and shall not affect the validity and enforceability of the remaining clauses of the Agreement.

Waiver: Any failure or delay by a party to enforce or exercise any provision of the Agreement, or any related right, shall not constitute a waiver by such party of that provision or right. The exercise of one or more of a party's rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to such party under these Terms of Use or in law or at equity. Any waiver by a party shall only be made in writing and executed by a duly authorized officer of such party.

Independent Contractor: You and Gcap are independent contractors, and nothing in these Terms of Use will be construed to create a partnership, joint venture, association of persons, agency (disclosed or undisclosed), franchise, sales representative, or employment relationship between You and Gcap.

Contacting You: By accessing Our Website and/or availing any service or product at or through Our Website, You give Your consent to Us and both our associate partners (including DSAs, Dealers, financial institutions etc.) to communicate with You through phone calls/SMS/email communication etc. regardless whether your number is registered in the National Do Not Call Registry (NDNC) or www.nccptrai.gov.in

Grievance Officer: Users can file their complaints regarding violation of the Information Technology Act, 2000 and rules prescribed thereunder, or any other matter pertaining to Website, with Grievance Officer of Gcap on the contact information specified herein below:
Name: Mr. Niranjan Chandrashekar
E-mail: gcapcompliance@rupyy.com

19) Governing Law and Jurisdiction:

This Agreement or the documents incorporated herein by reference shall be governed and construed in accordance with the laws of India. Subject to Clause 17 (Arbitration) above, all disputes arising under this Agreement between You and Gcap shall be subject to the exclusive jurisdiction of courts at New Delhi , India.