The App is owned and operated by Hora Education & Services Pvt Ltd (Company), a company incorporated under the Companies Act, 2013, and having its registered office at G-92, Basement, Kalkaji, New Delhi- 110019.
Your mobile phone number and/or e-mail address is treated as your primary identifier on the App. It is your responsibility to ensure that your mobile phone number and your email address is up to date on the App at all times. You agree to notify us promptly if your mobile phone number or e-mail address changes by updating the same on the Profile section of the Android app [through a one time password verification].
You agree that the Company shall not be liable or responsible for the activities or consequences of use or misuse of any information that occurs under your display name in cases where you have failed to update your revised mobile phone number and/or e-mail address on the App.
Please note that there could be risks in dealing with underage persons or people acting under false pretence. Please immediately cease the use of this App if you under the age of 18. We take no responsibility for you continuing to use our App if you are under the age of 18.
When you use the App or send e-mails or other data, information or communication to us, you agree and understand that you are communicating with us through electronic records and you consent to receive communications via electronic records from us periodically and as and when required. We or our affiliates, consultants and advisors may communicate with you by mobile notification, email, phone or by such other mode of communication, electronic or otherwise. If, at any time, the Company is unable to contact you for a period of 1 month, it retains the right to assume you are an inactive user and disable your access to the App immediately.
If you have registered your phone number on the ‘Do Not Disturb’ registers you should take necessary steps to enable us or our affiliates, consultants and advisors to contact you by phone, SMS or by such other mode of communication. You should take necessary steps to ensure that no such communication is registered as a compliant with the relevant authorities for the same. You can write to us at firstname.lastname@example.org to unsubscribe from receiving certain data or communication.
The App allows Users who meet certain eligibility criteria that are set out below to apply for and avail loans from our partner NBFCs, to repay these loans and to monitor their loan accounts for the loans availed through the App from these NBFCs.
The Company will assist its partner NBFC in processing loan applications made through the App with the help of affiliates, which include third party vendors such as credit information companies, and companies carrying out KYC verification and financial statement analysis. If you provide Aadhaar as the identity proof for KYC, we may receive your Offline Know Your Customer (OKYC) XML on your behalf. Further, you permit us to send the OKYC XML to our partner NBFC as your proof of possession of Aadhaar number.
The Company may upon its sole discretion choose to not forward the application to our partner NBFC for processing. The Company shall have the right but not the obligation to provide the reason for its decision to the User. Our partner NBFCs may assess the loan application and upon their sole discretion choose to not grant or disburse a loan to the User. The partner NBFC shall have the right but not the obligation to provide the reason for its decision to the User.
You acknowledge and agree that a variety of third party vendors are involved in the carrying out of a number of functions in relation to the processing of your loan application, the verification of your identity, the assessment of your credit rating and the payment and repayment functions and that you may have to sign up to separate contractual terms with these vendors, and that these vendors will remain, to the extent legally permissible, liable to you for their activities and services. You may read the T&Cs of the third parties here, and you may have to sign up to some of these terms and conditions:
Equifax, Perfios, Karza, Apollo Finvest, Crif and Cashfree
Multiple Accounts. You may have only one active account at any time. Only one account per individual and per mailing address is allowed. Multiple accounts for any person or mailing address are subject to termination.
The Company does not charge any fee for browsing and using the App. The Company reserves the right to change its fee policy from time to time. In particular, the Company may, at its sole discretion, introduce new services and modify some or all of the existing services offered on the App. In such an event the Company reserves the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to our fees policy shall be posted on the App and such changes shall automatically become effective immediately after they are posted on the App. You shall be solely responsible for compliance of applicable law, in India or otherwise.
The Company shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of people, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).
You agree that while using the App, you shall not host, post, upload, display, publish, transmit, update or share any material or information that: (i) belongs to another person and to which you do not have any right to; (ii) 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 whatever; (iii) harms minors in any way; (iv) infringes any patent, trademark, copyright or other proprietary rights; (v) violates any law for the time being in force; (vi) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature; (vii) impersonate another person; (viii) contains software viruses worms, trojans, logic bombs, or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of the App or any part thereof, or any computer resource; (ix) 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 any other nation.
Any violation of this clause may lead to the immediate suspension of your account. In the event, the Company receives any complaint that any information stored or used by you amounts to a breach of this clause, the Company will take such steps necessary as required under law to remove or disable access to such information and may disable your access to the App immediately at its sole discretion. You hereby agree to indemnify and hold harmless the Company, its officers, directors and representatives against any claim or loss suffered by the Company as a result of a breach of this Clause.
If you use the App, you are responsible for maintaining the confidentiality of your username and password. You agree to accept responsibility for all activities and transmissions that occur under your account. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner. The Company will not be liable for any loss or damage arising from your failure to comply with this provision.
You acknowledge, agree and accept that you may be required to update your systems, browser/mobile applications periodically in order to avail all the features and upgrades of the App.
The software and other technology we use to provide the App, and all material posted or available on, or otherwise accessible through, the App, including notes, messages, reviews, emails, billboard postings, photos, drawings, profiles, opinions, ideas, images, videos, audio files or other materials or information, images, illustrations, audio clips, and video clips contains copyrighted material, trademarks, and other proprietary information owned by the Company, the Users, other persons, or their respective licensors. Except for that information which is in the public domain or for which you have been given permission, you agree not to copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information. Access to or use of the App does not confer and should not be considered as conferring upon anyone any license to the Company’s or any third party’s intellectual property rights. Any use of the App without the permission of the Company is prohibited.
The Company respects the intellectual property of others. Subject to the provisions of this Clause  In case you feel that your trademark, copyright, or any other intellectual property has been infringed, you can write to us at email@example.com.
You can access your referral code in the app and share it with your friends to refer them to the App. For each friend who joins the App using your referral code and obtains a loan through the App, we will transfer the referral amount shown on the App to you
We do not currently award Flo Coins to Users. However, we may award these in the future subject to the terms of this Clause 14.
You may be awarded Flo Coins for your participation on the App, through completion of offers, quizzes and surveys. Flo Coins are accumulated in your user account.
The pay out of Flo Coins would happen through a direct transfer to your bank account or PayTM wallet that you have registered with us. You are responsible entirely for providing us with accurate information to enable us to make these payments and to undertake all compliances required to ensure that these accounts are capable of receiving this money, including, without limitation, Know Your Customer obligations in relation to these accounts. Please note that any transfers of money into your bank account is done on a purely bank to bank basis and we do not operate a wallet or a payment system.
The Company does not guarantee the content of any third-party sites that you may access while using the App and does not make any representations regarding the content or accuracy of material on such sites. If you access a link of any third-party website, you hereby acknowledge that you do so entirely at your own risk and expense.
Any dispute between you and any other third party arising out of the use of the App shall not be the responsibility or liability of the Company. The Company shall not be held liable for any negligent conduct or behaviour, whether actions or omissions, of any third party in relation to the use of the App. The Company encourages you to report any complaints about the App by contacting firstname.lastname@example.org, email@example.com, and the Company shall take appropriate action as soon as reasonably possible.
THE COMPANY PROVIDES THE APP ON AN "AS IS" BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE APP. THE COMPANY SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. YOU EXPRESSLY AGREE THAT THE USE OF THE APP IS AT YOUR OWN RISK.
THE COMPANY GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE THIRD PARTY VENDORS THAT ARE INVOLVED IN THE PROCESSING OF THE LOANS INCLUDING THOSE THAT ARE INVOLVED IN THE VERIFICATION OF THE USERS' IDENTITY, THE ASSESSMENT OF THE USERS' CREDIT HISTORY AND THE PAYMENT AND REPAYMENT OF THE LOAN. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR YOUR USE OR NON-USE OF THEIR SERVICES AND ANY DAMAGES THAT MAY ARISE FROM SUCH USE OR NON-USE. THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THE ACTS OR OMISSIONS OF SUCH THIRD PARTIES. YOU EXPRESSLY AGREE THAT THE USE OR NON-USE OF THEIR SERVICES IS AT YOUR OWN RISK.
If you do not participate in any survey during a selected extended time period, the Company may elect, in its sole discretion, to terminate your access/account without notice. Other grounds for termination without notice include providing inadequate or untruthful survey responses or if you are not contactable on the phone number listed and you having undeliverable e-mail address or mailboxes that are full after multiple attempts to contact you. You hereby waive and release any and all claims against the Company and its affiliates arising from or related to such membership termination.
Any heading, caption or section title contained herein is inserted only for convenience, and in no way defines or explains any section or provision hereof.
If you have any concerns regarding any content that is posted on the App, please contact:
Mr Karan Garg firstname.lastname@example.org
Hora Education & Services Pvt Ltd
G-92, Basement, Kalkaji, New Delhi- 110019