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Legal Agreement

Terms & Conditions

PLEASE READ THE TERMS AND CONDITIONS (“TERMS” or “T&C”) CAREFULLY. THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU, THE USER, AND Kaynet Financial Services Private Limited (“Barbarik Finco” or “TAPLEND”) AND ALL ITS FELLOW SUBSIDIARIES, GROUP COMPANIES AND PERMITTED ASSIGNS ESTABLISHING THE TERMS AND CONDITIONS UNDER WHICH THIS WEBSITE/MOBILE APPLICATION HTTPS://WWW.TAPLEND.IN OR MOBILE APPLICATION “TAPLEND” MAY BE USED/ACCESSED. BY ACCESSING THIS WEBSITE/MOBILE APPLICATION, OR ANY PAGES THEREOF, AND/OR USING THE INFORMATION OR SERVICES PROVIDED ON OR VIA THIS WEBSITE/MOBILE APPLICATION, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IN THE EVENT YOU ARE NOT AGREEABLE TO THE T&C, YOU NOT ACCESS THE WEBSTIE/MOBILE APPLICATION OR AVAIL THE SERVICES AVAILABLE ON THE WEBSITE/MOBILE APPLICATION. THE T&C CONTAINED HEREIN EXPRESSLY SUPERSEDE ALL PRIOR AGREEMENTS OR ARRANGEMENTS WITH TAPLEND IN RELATION TO THE BROWSING OR USAGE. I HEREBY AUTHORIZE AND GIVE CONSENT TO TAPLEND (Kaynet Financial Services Private Limited) TO SEND ME, EITHER THROUGH ITSELF OR THROUGH ANY THIRD PARTY SERVICE PROVIDER, FROM TIME TO TIME VARIOUS INFORMATION / ALERTS / SMS / OTHER MESSAGES OR CALLS OR COMMERCIAL COMMUNICATION, AND OTHER SERVICES ON THE AFORESAID LISTED TELEPHONE NUMBERS, WHETHER THESE NUMBERS ARE REGISTERED WITH NATIONAL DO NOT CALL REGISTRY/ LISTED IN NATIONAL CUSTOMER PREFERENCE REGISTER OR NOT. I ALSO CONFIRM THAT BY SENDING ANY OF SUCH MESSAGES / CALLS, I WILL NOT HOLD ASBL ITS THIRD PARTY SERVICE PROVIDER LIABLE / INSTITUTE COMPLAINT UNDER THE TELECOM COMMERCIAL COMMUNICATIONS CUSTOMER PREFERENCE (TRAI) REGULATIONS, 2010 OR SUCH OTHER APPLICABLE REGULATIONS INCLUDING ANY AMENDMENT THEREOF, AS MAY BE APPLICABLE FROM TIME TO TIME. IT WILL BE AUTO RENEWED EVERY MONTH AND IF YOU WANT TO STOP THIS SERVICE PLEASE WRITE AN EMAIL TO HELP@TAPLEND.IN. YOU FURTHER UNDERSTAND THAT THE ACCESS TO THE WEBSITE/MOBILE APPLICATION AND THE OFFER OF SERVICES IS CONDITIONAL UPON YOUR IRREVOCABLE CONSENT AND ACCEPTANCE OF ALL THE TERMS, CONDITIONS AND OBLIGATIONS CONTAINED HEREIN (AS MAY BE AMENDED FROM TIME TO TIME). IN THE EVENT OF ANY CONFLICT BETWEEN THE TERMS AND CONDITIONS OF SPECIFIC PRODUCTS AND SERVICES AND THESE TERMS AND CONDITIONS, THE CONDITIONS SPECIFIC TO SUCH PRODUCTS AND SERVICES SHALL PREVAIL.

Last updated: 31 March 2025 Kaynet Financial Services Private Limited

Kaynet Financial Services Private Limited · CIN U65921PN2007PTC130765 · RBI Reg. No. N-13.01903 · Last updated 31 March 2025

Official Board-Approved Document

Approved by the Board of Directors on 31 March 2025

1. General

These Terms set forth the terms and conditions that apply to use of this site (www.taplend.in), all sub sites that reside under the site (collectively ‘Website’), or “Taplend” android and iOS application (“Mobile Application”) by a Subscriber. The Terms are governed by the provisions of the applicable Indian laws, the rules, regulations, guidelines, and clarifications framed thereunder, including but not limited to: (1) The Indian Contract Act, 1872; (2) The Information Technology Act, 2000; (3) The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011; and (4) The Information Technology (Intermediaries Guidelines) Rules, 2011.

These Terms and your activity under these Terms are an electronic record as per the (Indian) Information Technology Act, 2000 and these Terms being electronically generated by a computer system does not require any physical or digital signatures.

Under these Terms, “You” means you and every each person who establishes or accesses a connection (‘Account’) for access to and use of the Website/Mobile Application.

2. Restrictions on use

The Website/Mobile Application are owned and operated by Kaynet Financial Services Private Limited and contains material which is derived, in whole or in part, from material supplied by the Company, its group companies, various news agencies and other sources (including content partners), and is protected by international copyright and trademark laws.

The restrictions on use of the material and content on the Website/Mobile Application by the Subscriber are specified below. Except where specifically authorised, the Subscriber may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any material from the Website/Mobile Application including code and software.

3. Compliance with the Terms

By using the Website/Mobile Application, you agree to comply with all of the terms and conditions hereof. The right to use the Website/Mobile Application is personal to you and is not transferable to any other person or entity. You are responsible for all use of your account (under any screen name or password) and for ensuring that all use of your account complies fully with the provisions of this Agreement. You shall be responsible for protecting the confidentiality of your password(s), if any.

4. Changed Terms

The Company shall have the right at any time to change or modify the terms and conditions applicable to Subscriber’s use of the Website/Mobile Application, or any part thereof, or to impose new conditions, including but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by any means, including but not limited to, posting on the Website/Mobile Application, or by electronic or conventional mail, or by any other means by which you obtain notice thereof. Any use of the Website/Mobile Application by Subscriber after such notice shall be deemed to constitute acceptance by you of such changes, modifications or additions.

5. Use of Information and Materials

The content (material, information, data, money market movements, news items, texts, graphics, links etc.) contained on this Website/ Mobile Application is provided for general information only and should not be used as a basis for making business/commercial decisions. You are advised to exercise due caution and/or seek independent advice before availing any facility or entering into any investment or financial obligation based on the Content contained on this Website/ Mobile Application.

The Content contained on this Website/ Mobile Application or other terms are provided on an “as is”, “as available” basis and are protected by copyright. You may not distribute the Content to others without the express written consent of Taplend. You may not copy, download, publish, distribute or reproduce any of the Content contained on this Website/ Mobile Application in any form without prior permission of Taplend.

The Content on this Website/ Mobile Application should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other instrument or financial products/ schemes of Taplend, or any of its subsidiaries/ affiliates. Use of the products or services described on this Website/ Mobile Application may not be permitted in some countries and if in doubt, you should check with your local regulator or authority before requesting further information on such products/ services.

6. Products & Services

Products and Services are available only at the discretion of Taplend and its fellow subsidiaries, subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.

The user acknowledges that certain functions of this Website/ Mobile Application would require an active internet connection which can be Wi-Fi or Local Area Network (LAN) connection. Taplend and its fellow subsidiaries do not assume any responsibility/ liability if the Website/ Mobile Application is not fully functional due to absence/ insufficiency of the required internet connection.

All rates, charges and fees quoted/ stated for various financial products and schemes and interest rates cited as examples of rates which may be in effect from time to time are indicative rates only and are subject to change at any time at the sole discretion of Taplend and its fellow subsidiaries as the case may be, and applicable Indian laws. These charges, fees and rates may change depending upon the assessment made by Taplend in individual cases upon receiving necessary information and documents.

7. Indicative Loan Terms

  • Loan: The Loan provided by Taplend shall be the amount stated in the sanction letter which shall be strictly in accordance with the terms and conditions mentioned herein and based on other documents executed by you.
  • Rate of Interest: The rate of interest will be specified in the sanction letter based upon your risk gradation.
  • Disbursement: Taplend will disburse the loan to your designated bank account by way of direct bank transfer via UPI or through such other modes as Taplend deems fit in its absolute discretion.
  • Repayment: You shall pay to Taplend all instalments, inclusive of interest, on the Scheduled Due Date, from the first due date to the last due date as mentioned in the Sanction Letter/ loan agreements (as may be required by the Lender to its satisfaction), without fail on the first presentation.
  • Payment Methods: In order to facilitate such repayment, Taplend has provided various options that can be relied upon by you, including, without limitation, debit card payment, Net Banking Payment, direct bank transfer, etc.
  • Refund: All refunds in relation to your loan that are initiated by us will be credited to the account/card from where the original transaction had initiated. Such refunds shall be credited within the statutory time period.

8. Equipment

You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Website/ Mobile Application and all charges related thereto.

9. Intellectual Property Rights

The term “Taplend” is a registered trademark and the rights of the Website/ Mobile Application as well as the mark “Taplend” are exclusively owned by Kaynet Financial Services Private Limited. As long as you respect these terms and conditions for browsing/ using this Website/ Mobile Application, Taplend grants you a non-exclusive, non-transferable and revocable license to use this Website/ Mobile Application.

All rights relating to this Website/ Mobile Application as well as its functionalities are the exclusive property of Taplend (particularly including but not limited to copyrights, trademarks, source code, patents as well as any other intellectual property right). All the information provided on or via this Website/ Mobile Application (including all texts, graphics, design or logos) shall be the intellectual property of Taplend and or its fellow subsidiaries/ affiliates. You agree not to copy, forward, download or share content without obtaining the necessary rights or permissions to do so. You also agree not to abuse the use of this Website/ Mobile Application.

10. Limited Use & User Conduct

  • Do not use Taplend’s Services for spamming or any other illegal purposes.
  • Do not infringe Taplend’s or any third party’s intellectual property rights, rights of publicity or privacy.
  • Do not post or transmit any message, data, image or program which violates any law or which discloses private or personal matters concerning any person.
  • Do not refuse to cooperate in an investigation or provide confirmation of your identity or any other information you provide to Taplend.
  • Do not remove, circumvent, disable, damage or otherwise interfere with security related features of Taplend’s Services or features that enforce limitations on use.
  • Do not upload any content that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.
  • Do not reverse engineer, decompile, disassemble or otherwise attempt to discover source code of Taplend’s Services or any part thereof.
  • Do not use Taplend’s Services in any manner that could damage, disable, overburden, or impair services in an automated manner.
  • Do not interfere or disrupt Taplend’s Services or networks connected in addition to that.
  • Do not use facilities to conduct or solicit any illegal activity which infringes the rights of others.
  • Do not provide false, inaccurate or misleading information to Taplend’s Services and Website/ Mobile Application.
  • Do not use Taplend’s Services to collect or obtain personal information about other Users.

11. Linked Website / Mobile Applications

This Website/ Mobile Application may contain links to other Website/ Mobile Applications of affiliate companies or fellow subsidiaries of Taplend. This Website/ Mobile Application also contains links to external Website/ Mobile Applications controlled or offered by third parties (non-affiliates of Taplend), in order to help you find relevant information, services and/or products.

The contents displayed or products/ services offered on such linked Website/ Mobile Applications are not endorsed, verified or monitored by Taplend or its affiliates. Taplend and its affiliates are not responsible for the owners or operators of such external links or for any products or services they supply, and do not accept any liability in relation to any of these.

12. Data Protection

The storage, usage and transmission of all information obtained through the Website/ Mobile Application shall at all times be in accordance with the Information Technology Act, 2000 read with Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and all other applicable law. In the event Taplend obtains any personal data or confidential information, it shall only undertake the processing reasonably required in connection with the performance of its obligations under the transaction/ Services.

Taplend shall at all times have appropriate technical and organizational measures in place to: (1) prevent unauthorised or unlawful processing of any Personal Data/ Confidential Information; (2) protect any Personal Data/ Confidential Information against accidental loss, destruction or damage; and (3) ensure the reliability of its employees/ contractors having access to Personal Data/ Confidential Information.

13. Refund & Cancellation Policy

Any additional payment made by You shall be refunded back within 30 days pursuant to the reconciliation of the accounts by Taplend. There will be no cancellation of the service once You have received the loan amount in Your bank account.

14. Disclaimer of Warranty & Limitation of Liability

You expressly agree that use of Website/ Mobile Application is at your sole risk. Neither Taplend, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that Website/ Mobile Application will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of Website/ Mobile Application, or as to the accuracy, reliability or content of any information, service, or merchandise provided through Website/ Mobile Application.

Website/Mobile Application is provided on an “As Is” basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.

This disclaimer of liability applies to any damages or injury, caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behaviour, negligence, or under any other cause of action.

15. Governing Law and Jurisdiction

These Terms will be governed by the laws of India, without regard to its conflict of laws rules. Any dispute arising on account of the Website/ Mobile Application or usage of any Services, will be exclusively settled by the courts located in Delhi, India.

16. Details of Grievance Redressal Officer

In accordance with Information Technology Act, 2000 and rules made thereunder, the name and contact details of the Grievance Officer of Taplend are as provided below:

Name: Mr. Mohit Asoliya

Designation: Grievance Officer

Contact Phone: +91-93558 71314

Email: grievance@taplend.in

Office Address: Kaynet Financial Services Private Limited, 4800-24 Second Floor, Bharat Ram Road, Daryaganj, Darya Ganj, Central Delhi, New Delhi, Delhi – 110002, India

17. Breach of the Terms

Without prejudice to Taplend’s other rights under these Terms, if you breach these Terms in any way, or if Taplend suspects that you have breached these Terms in any way, then Taplend shall be entitled to take such action as it may deem fit.

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