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    Terms and Conditions v2.0(15-April-2026)

    These terms of use and conditions (“Terms of Use” / “Terms”) apply to the use of the mobile application ‘ThanksApp” “Xtelify Platform” (“Platform”) owned and operated by Xtelify Limited (referred to as “Xtelify”, “We”, “Us”, “Our”, “Company”). These Terms govern your (“You” or “Your”“Yourself” or “User” or “Customer”) access and use of the Platform and the services provided by Us through the Platform.

    By registering your information on the Platform, You accept and agree to be bound by the Terms. These Terms shall be read in conjunction with the Privacy Policy, which forms an integral part of the Terms in relation to Your access to and use of the Platform and the Services (defined below). Please read these Terms and the Privacy Policy carefully prior to using/accessing the Platform or availing any of the Services (defined below).

    These Terms shall constitute a binding contract between Company and You, when You download or use the Platform. By providing consent on the Platform, You hereby undertake that You have read, understood and accepted these Terms and acknowledge that, together with the Privacy Policy (as defined in these Terms), these Terms constitute the entire rights, obligations and remedies in respect of Your use of the Platform., If You do not agree to these Terms, or do not wish to be bound by these Terms, You may not use the Services and/or immediately terminate the Services.

    These Terms do not apply to any browsing, accessing or transacting by You on any third-party platform, that You may access through this Platform or in connection with the Services offered on the Platform, or otherwise.

    These Terms constitute an electronic record and form a valid electronic contract under the Information Technology Act, 2000, along with the rules made thereunder and the amended provisions pertaining to electronic documents / records in various statutes as amended by the Information Technology Act, 2000. No physical, electronic or digital signature is required to enforce these Terms.

    Without prejudice to any other specific requirement which may be laid out in these Terms, Your use of the Platform and specifically, Your acceptance of these Terms as aforesaid shall be deemed to be a representation from You that You are above 18 years of age, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms. The Company facilitates the provision of certain Services (as defined below) offered by different NBFCs and Banks partnered with the Company (“Lender(s)”). The terms and conditions governing the use of the Services by You are set forth in these Terms.

    XTELIFY IS NOT A LENDER AND DOES NOT DIRECTLY PROVIDE ANY LOANS OR OTHER FINANCIAL PRODUCTS. XTELIFY IS MERELY OPERATING THE PLATFORM TO FACILITATE YOUR APPLICATION TO AVAIL SUCH FINANCIAL PRODUCTS/CREDIT FACILITIES OFFERED BY THE LENDER(S).

    Headings of clauses are only for convenience and are not intended to be used to interpret the contents thereunder. Please read these Terms in full.

    1. DESCRIPTION OF XTELIFY LIMITED

    Xtelify Limited (formerly known as Airtel Digital Limited) is a public limited company registered under the Companies Act, 2013. |CIN: U74140HR2015PLC096027| Registered Office: Airtel Centre, Plot No. 16, Udyog Vihar, Phase-IV, Gurgaon, Gurgaon- 122015, Haryana, India. Xtelify is merely a facilitator and does not directly provide any financial services to You. It is not an organization registered with the Reserve Bank of India, nor a financial institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India or a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.

     Xtelify merely facilitates the Credit Facility (defined below) offered by its Lender(s). Xtelify Limited does not provide any guarantee on whether a Credit Facility will be granted to You by its Lender(s). On receipt of the Credit Facility application, the decision on whether a Credit Facility will be provided to You solely vests with the Lender. Accordingly, the Lender may accept or reject a Credit Facility application at its sole discretion without any obligations to clarify the reasons for its decision.

    These Terms are applicable to the borrowers who have agreed to avail the financial product provided by the Lender(s) on Xtelify’s Platform.

    1. ELIGIBILITY TO USE:

    Without prejudice to any other specific requirement which may be laid out in these Terms, Your acceptance of these Terms as aforesaid shall be deemed to be a representation from You that You are (i) above 18 years of age, (ii) are fully able and competent to enter into the Terms including all conditions, obligations, affirmations, representations, and warranties set forth therein, and to abide by and comply with these Terms (iii) all registration information You submit is accurate and truthful; (iv) You will maintain the accuracy of such information; (v) You are not barred or otherwise legally prohibited from accessing or using the Services under the laws of India; (vi) where You are an incorporated person or corporate entity, you are duly constituted and validly existing under Indian law, (vii) expressly acknowledge and agree that use of the services is permitted only for those who are physically located in India at the time of registration, linking to any offering forming part of the services and (viii) You are going to avail the Services and the loan proceeds only for legitimate purposes and not use the services and the loan proceeds for any illegal or prohibited purposes. (ix)To avail the Services, You should have an active Indian mobile number and bank account.

    The information You provide when You register on the Platform is complete, true, correct, updated, accurate and belongs to You. You shall remain responsible to notify to the Company of any material change in your personal information and/or profile. Company would be entitled to rely on the most recent information provided by You.

    1. SERVICES
    • (a) Facilitation of Credit Facilities

     The Company facilitates the provisions of personal loan, business loans and other credit facilities (collectively the “Credit Facilities” / “Financial Product”) offered by Lender(s) to potential borrowers. Users acknowledge that the Company is only a facilitator and owns and operates the Platform for facilitating the provision of Credit Facilities offered by Lender(s) to Users. The Company performs these Services as a lending service provider to the Lender(s) and does not provide any financial services to the Users. The Credit Facilities may be extended by a Lender(s). The User expressly acknowledges that Company is only an intermediary facilitating the provision of Credit Facilities and is not a financial institution. The Company does not provide any guarantee on whether a Credit Facility will be granted to the User. On receipt of the loan application, the decision on whether a Credit Facility will be provided to the User solely vests with the Lender(s). Accordingly, the Lender(s) may accept or reject a loan application at their sole discretion without any obligations to clarify the reasons for their decision. If You avail any services from the Lender(s) through the Platform, please refer to the privacy policy, loan agreements and any other applicable terms and conditions, of such Lender(s). Your relationship with the Lender(s) is governed solely by such terms executed between You and the Lender(s). In such cases, You are contracting a service directly with Our Lender(s). We accept no responsibility for the provision of Credit Facilities or its consequences. We are not liable for any losses that may occur as a result of the acts or omissions of the Lender(s).

    • (b) Facilitation of Opening Fixed Deposits via the Platform

    You may open and operate Fixed Deposit (“FD”) accounts with various banks or financial institutions through the Platform. For this purpose, please note that the Company merely acts as a facilitator wherein it will facilitate the booking of FDs through SDK or API integration with a third-party business correspondent, direct selling agent (“Partnered FD Facilitator”) or a financial institution. The Partnered FD Facilitator in turn have partnered with other financial institutions for provision of FD services to You. You hereby acknowledge and understand that the Company merely manages and operates the Platform and enables such Partnered FD Facilitator to offer the FD services of various financial institutions to You. You hereby acknowledge and agree that the Company does not facilitate any portion of the services provided to You vide the opening and operation of Your FD account(s) with such financial institutions. In addition to the foregoing, You hereby acknowledge and agree that the Company shall not be responsible or liable for any acts or omissions of the Partnered FD Facilitator or the financial institutions with which You open and operate your FD account(s).

    • (c) Facilitation of Co branded Credit Cards

    The Company may refer You to banks (“Banks”) for the provision of co branded credit cards to You. In this regard, You hereby acknowledge and understand that the Company merely acts as a lead generator for such Banks. In furtherance of the foregoing, the Company may share Your information with such Banks subject to Our Privacy Policy. You hereby acknowledge and agree that the Company does not facilitate any portion of the services provided by such Banks with regard to the credit cards provided to You. You understand and agree that such credit cards shall be provided to You at the sole and absolute discretion of the Banks subject to credit and eligibility check, rates, charges and other terms determined by the Banks. The issuance and use of the credit cards shall be governed solely by terms of use and privacy policy, and other agreements executed between You and the Banks which has provided You such credit cards. In addition to the foregoing, You hereby acknowledge and agree that the Company shall not be responsible or liable for any acts or omissions of the Banks with regard to these services provided by them including but not limited to compliance with applicable laws.

    • (d) Facilitation of Credit Card Marketplace through Credilio

    The Company may provide access to a credit card marketplace platform operated by Credilio Financial Technologies Private Limited (“Credilio”) through which You may view, compare, apply for, or express interest in credit cards and other financial products offered by various banks, financial institutions and other regulated entities (“Issuers”). In this regard, You hereby acknowledge and understand that the Company merely acts as a referral and facilitation channel and may redirect You to Credilio’s platform or enable integration of Credilio’s services within the Company’s platform. In furtherance of the foregoing, the Company may share Your information with Credilio and/or such Issuers, subject to Our Privacy Policy and applicable law, for the purpose of processing Your request, assessing eligibility, undertaking KYC, verification, and enabling application fulfilment. You hereby acknowledge and agree that the Company does not underwrite, approve, sanction, issue or service any such credit cards or financial products and does not guarantee approval thereof. You understand and agree that any such products shall be offered solely at the discretion of Credilio and/or the relevant Issuers, subject to their internal policies, credit checks, eligibility criteria, rates, fees, charges and other terms determined by them. The application, issuance, use and servicing of such products shall be governed solely by the respective terms of use, privacy policies and other agreements executed between You and Credilio and/or the relevant Issuers. In addition to the foregoing, You hereby acknowledge and agree that the Company shall not be responsible or liable for any acts, omissions, delays, rejections, approvals, representations or deficiencies of Credilio and/or the Issuers with regard to such services or products, including but not limited to compliance with applicable laws.

    • Based on the consent provided by You, the Platform tracks, organises, and analyses Your Transaction Information to present to You various credit products. We may share the Transaction Information with the Lender(s) to which You hereby consent. “Transaction Information” means and includes, without limitation:
      1. your phone number;
      2. your email address;
      3. information relating to the transaction in question including identity of the service or product and the price or fee paid or payable in respect thereof.
    • Please note Xtelify is not sharing generated details for one Lender(s)with another Lender(s). The services described in this Section 3 collectively constitute the “Services”. Please note that we may from time to time modify existing products, features, or services, or otherwise introduce new features or services on or through the Platform. The term “Services” shall include any modification to existing, as well as any new, features, products, or services.
    • You may not deactivate Your account prior to the repayment of your Credit Facility in full. In the event that you deactivate Your account, at any point prior to the full repayment of your Credit Facility, such an act will not extinguish your responsibilities under the agreement you have with your Partner Lender, and You shall continue to be liable to pay all loan amounts due as per the Credit Facility availed.
    1. TERMS AND CONDITIONS FOR AVAILAING CREDIT FACILITY BY THE LENDER(S)

    The Credit Facility by the Lender(s) is offered to You as per the Terms mentioned herewith (indicative one which may be updated from time to time).

    • (a) These Terms are applicable for the Credit Facility offered by the Lender(s) on Xtelify Platform.
    • (b)You confirm that You do not have any criminal record (i.e. neither convicted nor prosecuted for commission of any criminal offence).
    • (c) You confirm that You are voluntarily, with your own free will availing this offer/Credit Facility.
    • (d) You confirm that You have a firm contractual capacity and You are not under any legal disability e.g. insolvency, restraint by court orders etc. or otherwise prohibited from entering any contractual relationship.
    • (e) These Terms are applicable in addition to any terms and conditions that may be applicable between the Lender and You for the purpose of availing the Credit Facility.
    • (f) The provision of the Credit Facility is at the sole discretion of the Lender, and the Lender reserves the right to reject (exercisable in their discretion) the Credit Facility to You, with or without any notice or reason and without any liability.
    • (g) Xtelify has no role to play pertaining to the offering of the Credit Facility or the terms under which the Credit Facility is offered to You by the Lender, including but not limited to its issuance, approval, extension, pre-closure or closure of the Credit Facility and such matters solely determined by the Lender(s).
    • (h) Availing the Credit Facility will be governed by the terms and conditions prescribed by each Lender and any other terms that the Lender may notify You of, from time to time.
    • (i)By accepting to avail the Credit Facility provided by the Lender, You hereby fully and unconditionally release and completely discharge Xtelify against any claims, penalties, losses etc (howsoever arising) in respect of availing the Credit Facility.
    • (j) You permit that for the purpose of availing Credit Facility, Xtelify may collect certain personal data and You voluntarily consent that Xtelify will share Your consent and Your personal data (so requested by the Lender(s) in possession of Xtelify which was collected from You in respect of You availing the Financial Product, from the Lender(s) in the manner outlined in the Privacy Policy
    • (k) You acknowledge that Xtelify and the Lender(s)may use Your personal data in connection with the Credit Facility, including without limitation for transmitting to the Lender(s)and activation of the Credit Facility. In this regard, You agree and consent to Xtelify to share Your information/personal data (including sensitive personal data) pertaining to You in the manner outlined in the Privacy Policy with the relevant Lender(s) for the Credit Facility.
    • (l) You agree that Xtelify and its Affiliates will not be liable to You for any losses or damages suffered by You on account of the Credit Facility offered by the Lender(s) , including as a result of any fraud or non-payment of the outstanding dues in connection with such Credit Facility.
    • (m) You also agree and acknowledge that Xtelify and its Affiliates will not be liable or responsible for any claim on account of availability or non-availability of the Credit Facility on Xtelify Platform
    • (n) Xtelify will not be held liable for any issue, claim, dispute arising out of or in connection with the Credit Facility, in any manner whatsoever.
    • (o) Please contact the relevant Lender(s) for any queries in relation to the Credit Facility. Such information will be available in Lender(s) terms and conditions.

    You accept these Terms and conditions unconditionally and agree that these Terms may be amended or modified by Xtelify at any time and You will be bound by the amended Terms that are in force.

    You declare that all the particulars and information and details given and filled in by You, in the application form available on the Xtelify Platform and information provided by You are true, correct and accurate and You have not withheld or suppressed, any material and relevant information from Xtelify.

    You agree to indemnify, defend, and hold harmless Xtelify and its Affiliates, and their its agents, employees, officers, director, shareholders, partners, vendors, and licensors against all losses, claims, damages, demands, proceedings, penalties and expenses (including legal expenses and attorney fees and costs) suffered by Xtelify and its Affiliates its agents, employees, officers and directors, shareholders, partners, vendors, and licensors on account of breach of these Terms by You including any legal action and proceedings initiated by You or any third party in connection with these Terms and the Credit Facility and any unauthorized access to or storage or transmission of information of Xtelify and its Affiliates, its agents, employees, officers and directors, which are solely attributable to any breach, negligence or fraud by You.

    For the purposes of this Terms of Use “Affiliate” means an entity that is controlling, controlled by, or is under the common control. Control means the power to direct or cause the direction of management and policies of an entity, either directly or indirectly, whether through direct or indirect ownership, voting rights, contract or otherwise. ‘Controlling’, ‘Common Control’, ‘Controlled by’ and ‘under Common Control with’ will be construed accordingly. Any parent, subsidiary, or group company are collectively referred to as “Affiliates”.

    1. THIRD PARTY SERVICES

    The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third-party including, but not limited to the Lenders (“Third-Party Services”) or contain links to Third-Party Services. You understand and acknowledge that Third-Party Services are the responsibility of the third-party that created or provided it and acknowledge that use of such Third-Party Services is solely at your own risk.

    We make no representations and exclude all warranties and liabilities arising out of or pertaining to such Third-Party Services, including their accuracy or completeness. Should you avail a Third-Party Service, you shall be governed and bound by the terms and conditions and privacy policy of the third parties providing the Third-Party Services. Further, all intellectual property rights in and to Third-Party Services are the property of the respective third parties.

    1. YOUR RESPONSIBILITIES
    • (a) You represent and warrant that all information that you provide on the Platform or in relation to the Services is complete, true, and correct on the date of agreeing to these Terms and shall continue to be complete, true, and correct while you avail the Services. Should any information that You provide change during the existence of these Terms, You undertake to immediately bring such change to our notice. We do not accept any responsibility or liability for any loss or damage that You may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.
    • (b) You shall extend all cooperation to us, in our defence of any proceedings that may be initiated against us due to a breach of your obligations or covenants under these Terms.
    • (c) You shall not use the Services in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, You may not:
      • infringe any proprietary rights, including but not limited to copyrights, patents, trademarks, or trade secrets, of any party;
      • except as may be provided hereunder, copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create any derivative works from, or license the Services;
      • use the Services to transmit any data or send or upload any material that contains viruses, trojan horses, worms, timebombs, keystroke loggers, spyware, adware, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware;
      • use any robot, spider, other automated device, or manual process to monitor or copy the Website or Services or any portion thereof;
      • engage in the systematic retrieval of content from the Website to create or compile, directly or indirectly, a collection, compilation, database or directory;
      • use the Services in (A) any unlawful manner, (B) for fraudulent or malicious activities, or (C) in any manner inconsistent with these Terms; or
      • violate applicable laws in any manner.
    • (d) You represent and undertake to keep Your contact and personal information updated at all times to ensure proper delivery of such information. Xtelify shall be entitled to rely upon and act in accordance with the most recent information provided by You and shall not be held liable for non-delivery arising due to outdated or incorrect details.
    1. REWARDS AND BENEFITS

    Xtelify may, from time to time and in its sole discretion, offer various schemes to You, including but not limited to referral programs, rewards programs, or other incentives subject to such terms and conditions as may be notified by Xtelify at the time of provision of such offers and schemes.

    If You use the App, the Company may, from time to time and in its sole discretion, reward You with benefits, or other incentives subject to such terms and conditions as may be notified by the Company from time to time. 

    The Company may offer various schemes to the Users including but not limited to referral programs, rewards programs etc., and such offers shall be subject to terms and conditions as may be notified by the Company at the time of provision of such offers and schemes.

    1. OUR INTELLECTUAL PROPERTY
    • All rights, title, and interest in and to the Website, Platform and Services, including all intellectual property rights arising out of the Platform and Services, are owned by or otherwise licensed to us.
    • All of the content on the Platform, including, all images, illustrations, graphics, video clips, text, reports generated, trademarks, as well as the underlying code of the Platform (“Platform Content”), constitutes our / our Affiliates’ intellectual property. You are not entitled to duplicate, distribute, create derivative works of, display, or commercially exploit the Platform Content, features or facilities, directly or indirectly, without our prior written permission.
    • We may request You to submit suggestions and other feedback, including bug reports, relating to the Services from time to time (“Feedback”). We may freely use, copy, disclose, publish, display, distribute, and exploit the Feedback we receive from you, without any payment of royalty, acknowledgement, prior consent, or any other form of restriction arising out of your intellectual property rights.
    • Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to our or any third-party’s intellectual rights.
    1. REGULATORY CHANGES

    You acknowledge and agree that We may have to modify the Platform and the Services to comply with the applicable laws. As a result of this, You may be unable to access or use all or any part of the Platform and the Services. We shall not be liable to you for such inability to use the Services pursuant to our compliance with the applicable laws.

    1. TERM AND TERMINATION

    These Terms shall remain in effect unless terminated in accordance with the terms hereunder. Notwithstanding anything to the contrary in these Terms, any other terms, or any other communication between You and Us, We may terminate Your use of the Platform at any time with or without notice, and for or without any reasons, with absolutely no liability to You.

    Upon termination:

    • the Services will cease to be provided;
    • You shall not be eligible to avail any features of the Services; and
    • these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.
    1. DISCLAIMERS OF WARRANTIES AND LIABILITIES
    • THE SERVICE, PLATFORM, AND ITS ENTIRE CONTENTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY, INCLUDING ITS OFFICERS, EMPLOYEES, AGENTS, AFFILIATES MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, SECURITY, OR ACCURACY OF THE SERVICE, THE WEBSITE, OR ITS CONTENTS FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL LIABILITY (INCLUDING LIABILITY ARISING FROM NEGLIGENCE) FOR ANY ERRORS OR OMISSIONS IN THE SERVICE OR THE WEBSITE.
    • THE USER AGREES AND UNDERSTANDS THAT THE PLATFORM IS PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE PLATFORM OR THE INFORMATION, CONTENT INCLUDED ON THE PLATFORM. YOU EXPRESSLY AGREE THAT YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK.
    • TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE PLATFORM, ITS SERVERS, OR EMAIL/ OTHER COMMUNICATION SENT FROM THE PLATFORM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE ARISING FROM THE USE OF THE PLATFORM, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES.
    • We, along with our directors, officers, employees and agents shall not be responsible in any manner whatsoever for the rejection of Your Credit Facility application or other refusal by the Lender(s) of the Credit Facility with or without reason. We are not obliged to inform You of reasons for such refusal/rejection.
    • To the fullest extent permissible under the applicable law, third-party partners, licensors, and suppliers, disclaim all warranties, statutory, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, , satisfactory quality, accuracy, title and non-infringement, compatibility, applicability, usability, appropriateness, and any warranty that may arise out of course of performance, course of dealing, or usage of trade. No advice or information, whether oral or written, obtained by you through the Website will constitute or create any representation or warranty not expressly stated herein.
    • You acknowledge and agree that the use of the Services is at your sole risk. The Platform including any data, information, third party software, reference sites, services, or software made available in conjunction with or through the Platform are provided on an “as is” and “as available” basis and without warranties or representations of any kind either express or implied. We and any of our third-party suppliers, licensors, and partners do not warrant that the data, software, functions, or any other information offered on or through the Website will be uninterrupted or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected.
    • The Platform and the Services are intended for the use only by Indian residents and they may not be compliant with applicable laws, in the event these Services are used from outside India. We do not warrant the Platform complying with applicable laws for their usage from outside India and its quality. We do not warrant the quality of the Platform, including its uninterrupted, timely, secure or error-free provision, continued compatibility on any device, or correction of any errors. In no event shall We or any of our successors, and assigns, and each of their respective investors, directors, officers, employees or agents be liable for any special, incidental, punitive, direct, indirect or consequential damages or losses suffered as a consequence of a breach of the Terms by another user or arising out of the use of or the reliance on any of the Services or Platform. Availing Credit Facility or any loan product carries a risk and you should speak with your trusted advisors and / or financial consultants before availing any debt of any kind, whether from our Lender(s) through our Platform or otherwise.
    • The role of Xtelify is limited to facilitating the lending services and in no way shall the Company be responsible for or held liable for any service offered by the Lender(s) and/or the acts or omissions of the Lender(s) and its representatives.
    • Xtelify has no role in making decisions and determining the credit analysis, KYC process, approving, sanctioning and rejecting the loan offer is at the discretion of the Lender(s).
    • You understand that based on the information submitted by you and your personal information in accordance with the Privacy Policy and other details available with Us/ our Affiliate, you may be shown indicative loan offers. It is not a commitment from Xtelify and/or the Lender to provide a loan or any credit facility.
    • You hereby accept full responsibility for any consequences that may arise from your use of the Services and expressly agree and acknowledge that we shall have absolutely no liability with respect to the same.
    • To the fullest extent permissible by law, We, our Affiliates, and our related parties each disclaim all liability to you for any loss or damage arising out of or due to:
    • your use of, inability to use, or availability or unavailability of the Services, including any Third Party Services;
    • the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services, communications failure, theft, destruction or unauthorised access to our records, programmes, services, server, or other infrastructure relating to the Services; or
    • the failure of the Services to remain operational for any period of time.
    • Notwithstanding anything to the contrary contained herein, neither We nor any of our Affiliates or related parties shall have any liability to You or any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms or the Services. To the maximum extent permitted by law, You agree to waive, release, discharge, and hold harmless us, our affiliated and subsidiary companies, our parent companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of the Services.
    1. INDEMNITY

    You shall indemnify, defend at our option, and hold us, our parent companies, subsidiaries, Affiliates, and their officers, associates successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any claim, demand, lawsuits, judicial proceeding, losses, liabilities, damages and costs (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) due to or arising out of (i) Your access to or use of the Platform and the Services (ii) use of the Services, (iii) violation of these Terms (iv) or any infringement by any third party who may use Your account with Us (v) Your breach of any applicable laws or third-party rights; or (vi) any act of fraud or misrepresentation; and (vi)Your breach of the terms of Your contract with the Lender(s). This indemnification obligation shall survive these Terms and use of the Platform.

    1. LIMITATION OF LIABILITY
    • IN NO EVENT SHALL WE, OUR AFFILIATES, OUR OFFICERS, DIRECTORS AND EMPLOYEES, OR OUR CONTRACTORS, AGENTS, LICENSORS, PARTNERS, OR SUPPLIERS BE LIABLE TO YOU FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE, OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION LOST BUSINESS OPPORTUNITIES, LOST REVENUES, OR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER, INCLUDING BUT NOT LIMITED TO ABUSE OR BREACH OF DATA), EVEN IF WE OR AN AUTHORISED REPRESENTATIVE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR RELATING TO (I) THESE TERMS, (II) THE PLATFORM, (III) THE SERVICES, (III) YOUR USE OR INABILITY TO USE THE SERVICES; (IV) YOUR ACCESS TO OR USE OF THE PLATFORM OR (IV) ANY OTHER INTERACTIONS WITH ANOTHER USER IN CONNECTION WITH THE SERVICES (v) THE PLATFORM (vi) FAILURE TO AVAIL A PRODUCT, SERVICE (vii) AGREEMENTS AND OTHER TERMS EXECUTED WITH THE COMPANY’S PARTNERS, INCLUDING ITS LENDERS. THE FOREGOING LIMITATION IS NOT ENFORCEABLE.
    • THE COMPANY DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES ON BEHALF OF THE ITS LENDERS, INSURANCE PARTNERS, THIRD PARTY INSURNACE INTERMEDIARIES, PARTNERED FD FACILITATORS AND OTHER PARTNERS PARTNERED WITH THE COMPANY WITH RESPECT TO THE FINANCIAL PRODUCTS PROVIDED BY SUCH LENDER(S). ALL LIABILITIES AND OBLIGATIONS WITH RESPECT TO THE CREDIT FACILITIES PROVIDED BY THE LENDER VIDE THE PLATFORM SHALL BE GOVERNED BY THE SEPARATE LOAN AGREEMENT EXECUTED BETWEEN YOU AND SUCH LENDERS. 
    • THE COMPANY DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES ON BEHALF OF ANY PERSONS IT HAS PARTNERED WITH FOR THE PROVISIONS OF THE SERVICES. ALL LIABILITIES AND OBLIGATIONS WITH RESPECT TO THE SERVICES EXTENDED BY THE THIRD PARTIES VIDE THE PLATFORM SHALL BE GOVERNED BY THE SEPARATE ARRANGEMENT BETWEEN YOU AND SUCH THIRD PARTY.
    • YOU AGREE AND UNDERSTAND THAT THE ROLE OF XTELIFY IS EXTREMELY LIMITED AND IS ONLY ACTING AS A FACILITATOR BETWEEN YOU AND THE LENDER. YOU AGREE AND UNDERSTAND THAT IN CASE OF ANY ISSUE WITH THE CREDIT FACILITY, OR LOAN OR SERVICE OF THE Lender(s)OR ANY PERSON OTHER THAN THE COMPANY), YOUR RIGHTS WILL BE GOVERNED AS PER THE APPLICABLE LOAN DOCUMENTS ACCEPTED BY YOU WITH THE LENDER.
    • YOU FURTHER AGREE AND UNDERTAKE NOT TO MAKE THE COMPANY AND ITS AFFILIATES A PARTY TO ANY DISPUTE AND/OR MAKE ANY CLAIM AGAINST THEM.
    1. PRIVACY AND CONSENT TO USE DATA
    • You agree that We may in accordance with our Privacy Policy collect and use Your information and technical data and related information.
    • You agree that during your use and access of the Platform and/or availing of the Services through the Platform, You will provide Us with certain information and other data as mentioned under these Terms herein which may or may not be otherwise publicly available. Please note that We respect the privacy and confidentiality of such data and the provisions pertaining to such private information and data as provided by You under these Terms, are governed under the Platform’s Privacy. By using and visiting the Platform and availing the Services through the Platform, You also agree to our Privacy Policy and the information provided on the Platform shall be shared within Lenders and third party service providers.
    • You hereby consent to and authorize Xtelify to initiate your application using the online prefill services provided by Signzy on the basis of name, mobile number and PAN _submitted by You. You acknowledge and agree that in the event any information is incorrectly pre-filled in the application, You shall be solely responsible for rectifying such error immediately without any recourse to Xtelify, You further understand that[name of service provider] does not warrant or guarantee the accuracy, adequacy or completeness of any pre-filled information provided.
    • We may use information and data pertaining to your use of the Services for analytics, trends’ identification, and purposes of statistics to further enhance the effectiveness and efficiency of the Website.
    1. COMMERCIAL COMMUNICATION
    • You acknowledge that you may receive communication over voice calls and messages regarding Services, and products, and such other promotional communications.

    You consent that such communications are:

    • upon your request and authorization;
    • not unsolicited commercial communications' as per the guidelines of Telecom Regulation Authority of India (TRAI);
    • in compliance with the relevant guidelines of TRAI or such other authority.
    • You further authorize Xtelify to keep You informed (vide telephone, SMS, mail, E-mail, WhatsApp, etc.) of all such promotional schemes/offers and/or activities as they may require
    • You hereby expressly agree to receive communications by way of SMS, WhatsApp and/or E-mails from Xtelify relating to the Services provided through the Platform.
    • You hereby expressly permit us to contact you via Auto Dialler calls, Robocalls or IVR calls relating to the Services provided through the Platform.
    • Company will make best efforts to provide alerts via SMS/e-mail/WhatsApp/push notifications, and it shall be deemed that You shall have received the information sent from Company as an alert on the mobile phone number or e-mail id furnished by You on Platform or availing any Services through the Platform. You hereby unequivocally grant Company the right and authority to use your contact details as furnished by You at the time of registering on Platform as your primary, valid and default communication address for any and all Platform Services. Company shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold Company liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.
    • You further understand that the SMS/e-mail alert/ WhatsApp/push notification service provided by Company is an additional facility provided for Your convenience and that it may be susceptible to error, omission and/or inaccuracy. In the event, You observe any error in the information provided in the alert, You shall immediately inform Company about the same by and We will make best possible efforts to rectify the error at the earliest feasible. You shall not hold us liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by You on account of the SMS/e-mail alert/push notification facility.
    • You understand that the Company will be relying on Third Party Service Provider(s) to enable SMS/e-mail alert/WhatsApp/push notifications/OTP. The readability, accuracy, timely delivery is / are subject to multiple factors including the infrastructure and connectivity at Third Party Service Provider(s) end. Company makes no representation, or assurance of timely or delayed delivery. Company shall not be liable or responsible for any non-delivery, delayed delivery, skewed message, or alerts
    1. RESTRICTIONS ON YOU
    • You shall not hack or in any way jeopardize the Platform. You should not use the Platform for any forward lending purposes or to grant loans to any third parties. You should not use the Platform / Services for any illegal purposes. No scaling or jeopardizing our Platform You agree to not interfere with or use non-public areas of our Platform and our technical delivery system. You will not introduce any trojans, viruses, any other malicious software, any bots or scrape our Platform for any user information. Additionally, you will not probe, scan, or test the vulnerability of any system, security or authentication measures implemented by us. If you tamper or attempt to tamper with our technological design and architecture, we may terminate your account with our Platform. We may further report such actions to the appropriate law enforcement authorities and initiate legal actions.
    • No commercial usage: You shall use the Platform/ Services only for your lawful and personal use. You will not use our Services for any purposes not permitted under applicable law and these Terms.
    • No illegal usage: You shall not use the Platform or the Services for committing fraud, embezzlement, money laundering or for any other unlawful and / or illegal purposes. Further, although we may, from time to time, monitor or review any facilities, if established or otherwise offered on the Platform, You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. We are under no obligation to do so and assume no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Platform. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any such information or materials.
    • Maintenance of profile and bank account: You shall not do any action that may jeopardize the account or in any way frustrate the repayment of the Credit Facility amounts as may be disbursed to You by our Lender(s).
    1. THIRD PARTY CONTENT AND ADVERTISEMENT

    Third party services displayed on the Platform are not endorsed. Please use them at your own risk. Please read the terms of use of such third parties before using their services. We may, from time to time, display offers and advertisements from third parties on our Platform for your benefit. However, this does not mean we endorse these third parties. If you accept any of the services of such third parties, such arrangement shall be solely between you and the third party, you should avail of such services on after you have read their terms of use and privacy policies.

    1.  FORCE MAJEURE

    If the whole or any part of the performance is prevented, hindered or delayed by a Force Majeure event (as defined below), Company shall not be liable for any failure to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities, and in such case its obligations shall be suspended for so long as the Force Majeure event continues. “Force Majeure Event” means any event, due to any cause beyond the reasonable control of Company, including without limitations, unavailability of any communication systems, breach, or virus in the digital processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, pandemic, epidemic, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, lockdown, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc. The Company shall not be liable for any data loss, service disruption, or failure of obligations resulting directly or indirectly from such Force Majeure events

    1. GRIEVANCE OFFICER

    You may reach out to the Grievance Officer to enquire about your concerns. In order to address any questions or grievances that you may have regarding the use of Platform or Services, please contact our Grievance Officer Details available at Airtel Finance Grievance Redressal Officer

    1. GOVERNING LAWS AND JURISDICTION

    These Terms shall be governed by and construed and enforced in accordance with the laws of India. Subject to other provisions in this clause, courts in New Delhi shall have exclusive jurisdiction over all issues arising out of these Terms or the use of the Services.

    1. MODIFICATION OF TERMS
    • These Terms may be amended at any time by Xtelify. All such amendments shall be binding on You upon the amended Terms being made available on the Platform. If You do not agree with any specific modification, You may be unable to access or use all or any part of the Platform and the Services with no liability to Xtelify. Notwithstanding the foregoing, if You have availed any of the Services as detailed in these Terms, the Terms, including the modified terms, shall continue to apply to the extent of and in relation to the Services availed.
    • Continued access or usage of the Platform following any modifications shall constitute binding acceptance of such revised terms. Company reserves the right to change, amend, or modify, from time to time, any provision related to the Platform (including Platform Service(s)) or these Terms, which also include, changing of the extent and scope of the services and/or include any other category, service, facility or feature at the sole discretion of the Company. Any such change(s) shall be effective immediately upon the posting of revised Terms and may be notified via Platform. Although the Company may attempt to notify You when major changes are made to these Terms, it shall be solely Your responsibility to read and understand the most up-to-date version of the Terms on the Platform. Nothing in these Terms shall be deemed to confer any third-party rights or benefits.”
    • By using the services provided through this Platform, you shall be deemed to have accepted the Terms herein including the amended Terms published on the Platform from time to time. Your continued use of the Platform following the posting of changes means that you accept and agree to the changes. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Platform.
    1. WE MAY SUSPEND OR WITHDRAW OUR WEBSITE

    We do not guarantee that our Platform, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Platform for business, legal and operational reasons. We shall not be liable for any such addition, modification, suspension or discontinuation of the Services.

    1. MISCELLANEOUS PROVISIONS
    • (a) Severability – If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue to be in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue to be in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).
    • (b) Assignment – You shall not licence, sell, transfer or assign your rights, obligations, or covenants under these Terms in any manner without our prior written consent. We may grant or withhold this consent in its sole discretion and subject to any conditions it deems appropriate. You agree that the Company may, at its sole discretion, assign, transfer, subcontract, novate, or otherwise deal with any or all of its rights and/or obligations under these Terms, including in connection with any merger, acquisition, amalgamation, corporate restructuring, business or asset sale, or similar transaction, without requiring any further notice or consent from you.
    • (c) Amendment We reserve the right to change, modify, add to, or remove discounts, portions of these Terms at any time, subject to Our policies, our Lender(s), and applicable laws.
    • (d) Waiver: No failure on the part of any party to exercise, and no delay on its part in exercising any right or remedy under this Agreement will operate as a waiver thereof, nor will any single or partial exercise of any right.
    • (e) Entire Agreement: These Terms, together with the other laws, guidelines, rules, (additional / supplemental) terms & conditions and/or policies of the Platform, including the Privacy Policy and any other arrangement/agreement in relation the Services, constitute the entire agreement between You and Us and supersede all previous agreements, promises, proposals, representations, understandings and negotiations, whether written or oral, between You and Us pertaining to the subject matter hereof.
    • (f) Survival: You acknowledge that your representations, undertakings, and warranties and the clauses relating to indemnities, limitation of liability, intellectual property, confidentiality, governing law, and these general provisions shall survive the efflux of time and the termination of these Terms.
    • (g) Third Party Rights – No third party shall have any rights to enforce any Terms contained herein.
    • (h) Independent contractors. Nothing in these Terms and Conditions shall be deemed to constitute either Party a partner, agent or legal representative of the other Party, or to create any fiduciary relationship between the Parties.
    1. Lender(s)

    The Lenders providing the Credit Facility to You through our Platform are listed on the link here: Airtel Finance Lending Partners

    The list of Lender(s) may be updated from time to time, and you must refer to the relevant loan documents / policies to understand the terms of the Credit Facility offered by the relevant Lender(s).

    PRIVACY POLICY

    You can access our Privacy Policy on the below link: Airtel Finance Privacy Policy

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