CRIF Highmark

Consent and Authorization for Accessing Consumer Credit Information:

In connection with the submission of the application for my credit information ("Consumer Credit Information") offered by CRIF High Mark Credit Information Services Pvt. Ltd. ("CIC") through Uthaan Technologies Private Limited ("Vitto") and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

• A. The Company is my lawfully appointed agent, and he/it has agreed to be my agent to obtain my Credit Information Report and Credit Score from CRIF High Mark for the purpose of evaluating my creditworthiness and curating personalized offers for me, and not for any other purposes.
• B. This consent shall be valid for a maximum period of 6 months or till such time the credit information is required to be retained to satisfy the purpose for which it was intended, or I withdraw my consent at any time, by informing the Company at their registered office address, website, assigned email ID, or mobile application, whichever is earlier.
• C. I further authorize the Company to share my personal information/details with CIC to procure my Credit Information on a monthly frequency and use the same to provide me with the said service ("Purpose").
• D. I confirm that this consent is given by my free will and not due to any solicitation by any person/entity.
• E. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and/or transfer my Consumer Credit Information to the Company on my behalf.

• F. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to:

  • 1. Delivery of my Consumer Credit Information to the Company.
  • 2. Any use, modification, or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, wherever authorized by me.
  • 3. Any breach of confidentiality or privacy in relation to the delivery of my Consumer Credit Information to the Company.

• G. I acknowledge and accept that:

  • 1. CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard.
  • 2. The implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.
• H. I agree that I may be required to record my consent/provide instructions electronically or physically, as the case may be. In all such cases, I understand that by clicking the "I Accept" button below or signing this Consent physically, I am providing "written instructions" to the Company authorizing it to obtain my Consumer Credit Information from my personal credit profile from CRIF High Mark. I further authorize the Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further, in all such cases, by checking this box and clicking on the Authorize button or signing this Consent physically, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for the Company to obtain my Consumer Credit Information.
• I. I understand that in order to deliver the product to me, I hereby authorize the Company to obtain my Consumer Credit Information from CIC.
• J. By submitting this registration form, I understand that I am providing express written instructions for the Company to request and receive a copy of my Consumer Credit Report and Score from CIC.
• K. I understand that the product is provided on an "as-is," "as available" basis and CIC expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.
• L. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally, and entirely release, waive, and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors, and assigns (hereinafter "Releasee"), from any and all manner of liabilities, claims, demands, losses, suits, costs, and expenses (including court costs and reasonable attorney fees) ("Losses"), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and/or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all losses resulting from claims made against CIC by third parties arising from and in connection with this letter.
• M. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Delhi in regard to any dispute arising hereof.

Terms & Conditions:

• 1. Information Collection, Use, Confidentiality, No-Disclosure, and Data Purging:

  Uthaan Technologies Private Limited ("Vitto") shall access your Credit Information as your authorized representative and shall use the Credit Information for limited End Use Purposes consisting of and in relation to the services proposed to be availed by you from Vitto. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell, or rent the Credit Information to any other person. The same cannot be copied or reproduced other than as agreed herein and in furtherance of CICRA. The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received by us on your behalf, shall be destroyed, purged, or erased promptly within 1 (one) Business Day upon the completion of the transaction/End Use Purpose for which the Credit Information report was procured.

• 2. Governing Law and Jurisdiction:

  The relationship between you and Vitto shall be governed by the laws of India, and all claims or disputes arising therefrom shall be subject to the exclusive jurisdiction of the courts of Delhi.

• 3. Definitions:

  Business Day: A day (other than a public holiday) on which banks are open for general business in Delhi.

  Credit Information Report: The credit information/scores/aggregates/variables/inferences or reports which shall be generated by CRIF Highmark.

  Credit Score: The score mentioned on the Credit Information Report which shall be computed by CRIF Highmark.

  CICRA: The Credit Information Companies (Regulation) Act, 2005, read with the Credit Information Companies Rules, 2006, and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.