END USER LICENSE AGREEMENT

1. INTRODUCTION

2. MEMBERSHIP ELIGIBILITY

Use of the App is available only to natural persons resident in India who can enter into legally binding contracts under the Indian Contract Act, 1872. Persons who are “incompetent to contract” within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents and persons of unsound mind are not eligible to use the App. Any person under the age of 18 shall not register on App and shall not transact on or use the App. If a minor wishes to use or transact on the App, such use or transaction may be made by the minor’s legal guardian or parents on the App. Chillar reserves the right to terminate any person’s membership in accordance with the terms of this EULA and/or refuse to provide such person with access to the App if it is brought to the notice of Chillar or if Chillar discovers for itself that such person is not eligible to use the App.

3. ACCEPTANCE OF EULA

4. OPENING AN ACCOUNT

5. USERNAME AND PASSWORD

6. SERVICES

7. AGREEMENT TO RECEIVE COMMUNICATION

You hereby by way of accepting this EULA consent to the receipt of communication from Chillar by way of in app messages, Short Message Service (SMS) messages, e-mails, promotional, marketing calls and newsletters. These emails could relate to your registration, transactions that you carry out through the App and promotions that are undertaken by Chillar, services from Chillar and its third-party partners, as applicable.

8. LINKS TO THIRD PARTY WEBSITES

The App may contain links and interactive functionality interacting with the websites of third parties. Chillar is not responsible for and has no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms, or content of any such websites. Before enabling any sharing functions to communicate with any such website or otherwise visiting any such website, Chillar strongly recommends that you review and understand the terms and conditions, privacy policies, settings, and information-sharing functions of each such third-party website.

9. USE OF THE APP

10. USERS’ POSTS AND REVIEWS

11. CONTENT AND INTELLECTUAL PROPERTY RIGHTS

12. TERMINATION OF ACCESS TO APP OR DEACTIVATION OF SERVICE

13. REFERRALS AND REWARDS

From time to time, Chillar may offer referral bonuses and rewards to you for inviting new users to the App and for completing other activities.

14. RIGHTS & RESERVATIONS

15. DISCLAIMER OF WARRANTIES

THE APP AND ALL INFORMATION, CONTENT, MATERIALS AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE APP (COLLECTIVELY, THE "CONTENT") ARE PROVIDED BY CHILLAR ON AN "AS IS," "AS AVAILABLE" BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. CHILLAR MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE APP, THE ACCURACY OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND THE ACCURACY OF THE INFORMATION IN RELATION TO YOUR BANK ACCOUNT OR OTHERWISE. WITHOUT LIMITING THE FOREGOING, CHILLAR MAKES NO WARRANTY THAT THE APP OR SERVICES WILL MEET YOUR REQUIREMENTS OR YOUR USE OF THE APP WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE OR THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE APP WILL BE EFFECTIVE, ACCURATE OR RELIABLE. YOU ACKNOWLEDGE AND UNDERSTAND THAT THIRD PARTY SERVICES ARE BEING MADE AVAILABLE ON THE APP IN RELATION TO WHICH CHILLAR MAY HAVE PARTNERSHIPS WITH SOME OF THESE THIRD PARTIES IN ORDER TO FACILITATE THE PROVISION OF SERVICES TO YOU THROUGH THE APP. HOWEVER, YOU ACKNOWLEDGE AND AGREE THAT CHILLAR, AT NO TIME, IS MAKING ANY REPRESENTATIONS OR WARRANTIES REGARDING PROVISION OF SERVICES BY ANY OF THESE THIRD PARTIES NOR WILL CHILLAR BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY CONSEQUENCES OR CLAIMS ARISING OUT OF OR IN CONNECTION WITH SUCH THIRD PARTIES. CHILLAR SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR MOBILE PHONE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, DOCUMENTS OR INFORMATION. YOU EXPRESSLY AGREE THAT THE USE OF APP IS AT YOUR OWN DISCRETION AND SOLE RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM ANY TRANSACTION. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CHILLAR OR THROUGH OR FROM THE APP OR CONTENT SHALL CREATE ANY WARRANTY. YOU WILL NOT SOLELY RELY ON THE VIEWS, REPRESENTATIONS (WHETHER WRITTEN OR ORAL OR OTHERWISE), RECOMMENDATIONS, OPINIONS, REPORTS, ANALYSIS, INFORMATION OR OTHER STATEMENT MADE BY CHILLAR OR ANY OF ITS AGENTS, DIRECTORS, OFFICERS OR EMPLOYEES. IN THE EVENT THAT YOU SEEK TO MAKE AN INVESTMENT PURSUANT TO THE INFORMATION OR RECOMMENDATION PROVIDED BY CHILLAR, YOU SHALL DO SO AT YOUR OWN RISK, AND SHOULD CONSIDER YOUR FINANCIAL SITUATION, OBJECTIVES AND NEEDS AND CONSULT WITH YOUR LEGAL, BUSINESS, TAX AND/OR OTHER PROFESSIONAL ADVISORS TO DETERMINE THE APPROPRIATENESS AND CONSEQUENCES OF SUCH AN INVESTMENT. YOU AGREE THAT ALL THE FINAL DECISIONS WILL BE YOURS AND CHILLAR WILL NOT HAVE ANY LIABILITY FOR CONSEQUENCES OF SUCH DECISIONS. CHILLAR WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF APP OR THE CONTENT INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, CONSEQUENTIAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING. TO THE FULL EXTENT PERMITTED BY LAW, CHILLAR DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE APP AND ITS CONTENT, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE AND NON- INFRINGEMENT, MERCHANTABILITY, SATISFACTORY QUALITY, ACCURACY, COMPATIBILITY, APPLICABILITY, USABILITY, APPROPRIATENESS, FITNESS FOR A PARTICULAR PURPOSE OR USE AND ANY WARRANTY THAT MAY ARISE OUT OF COURSE OF PERFORMANCE, COURSE OF DEALING, OR USAGE OF TRADE. YOU HEREBY AGREE TO WAIVE, RELEASE, DISCHARGE, AND HOLD HARMLESS CHILLAR, ITS AFFILIATES AND GROUP COMPANIES (AS APPLICABLE) AND EACH OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (AS APPLICABLE), FROM ANY AND ALL CLAIMS, LOSSES, DAMAGES, LIABILITIES, EXPENSES AND CAUSES OF ACTION ARISING OUT OF THE SERVICES AVAILABLE ON THE APP AND FROM ANY CLAIMS YOU MAY HAVE AGAINST CHILLAR WITH RESPECT TO THE SERVICES PROVIDED BY ANY THIRD PARTY

16. LIMITATION OF LIABILITY

In no event shall Chillar, its affiliates and group companies (as applicable) and each of their respective officers, directors, employees and agents (as applicable) be liable for any special, incidental, indirect, consequential, exemplary or punitive damages, or loss of profit or revenues whatsoever resulting from any (a) errors, mistakes, or inaccuracies of content; (b) any unauthorized access to or use of the secure servers and/or any and all personal and/or other user information stored therein; (c) any interruption or cessation of transmission to or from the services on the App or the failure of the Services to remain operational for any period of time; (d) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the App by any third party; (e) any loss of your data arising from any use of or inability to use any Content or other parts of the App; (f) your failure to keep Login Credentials or Account details secure and confidential; (g) non-availability of the Services in certain geographical areas; and/or (h) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the App, whether based on warranty, contract, tort, or any other legal theory, and whether or not Chillar is advised of the possibility of such damages. Chillar shall not be liable under any circumstance for damages arising out of or in any way related to Services and/or information provided by third parties through the App.

17. INDEMNIFICATION

You shall indemnify and hold harmless Chillar, its affiliates, group companies (as applicable) and their respective officers, directors, agents, and employees, from any and all claims or demands, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of your breach of this EULA, Privacy Policy and other policies, or your violation of any law, rules or regulations or the rights (including infringement of any intellectual property rights) of a third party.

18. PRIVACY POLICY

Please review the Privacy Policy, which also governs your visit to the App, to understand Chillar’s privacy practices. The personal information / data provided to Chillar by you during the course of usage of the App will be treated as strictly confidential and in accordance with the Privacy Policy and applicable laws and regulations. If you object to your information being transferred or used, please do not use the App.

19. ASSIGNMENT

You shall not license, sell, transfer or assign your rights, obligations, or covenants under this EULA in any manner without Chillar’s prior written consent. Chillar reserves the right, at its own discretion, to freely assign and transfer the rights and obligations under this EULA to any third party.

20. GOVERNING LAW AND DISPUTE RESOLUTION

This EULA shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall exclusively be in Mumbai. In the event of any dispute arising out of this EULA the same shall be settled by a binding arbitration conducted by a sole arbitrator, appointed jointly by both parties and governed by the Arbitration and Conciliation Act, 1996. The venue and seat of arbitration shall be Mumbai.

21. SEVERABILITY AND WAIVER

This EULA, the Privacy Policy and other referenced material herein or on the App, are the entire agreement between you and Chillar with respect to the products/services offered on the App, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and Chillar with respect thereto and govern the future relationship. If any provision of the EULA is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the EULA will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder

22. GRIEVANCE REDRESSAL MECHANISM

23. HOW TO CONTACT US

If you have questions or concerns about this EULA, please contact Chillar at the following email address:

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