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These Terms and Conditions/ Consent Form are made between you ("the User”, “You”) and Tata Capital Limited, a company having its registered office at 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai- 400 013. (“TCL”, “Us” or“We”, which term shall include its successors and permitted assigns). The User and TCL shall be collectively referred to as the “Parties” and individually as a “Party”. You hereby consent to TCL being appointed as your authorised representative to receive your Credit Information on an ongoing basis until we derive personailzed pre-approved offer for you.

BY EXECUTING TERMS AND CONDITIONS/ CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE TRANSUNION CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW) (TOGETHER REFERRED AS “CREDIT INFORMATION”). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY TRANSUNION TO YOU AND TCL BY USING TRANSUNION TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN.

TERMS AND CONDITIONS

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

TCL shall access your Credit Information as your authorized representative and TCL shall use the Credit Information for limited purpose consisting of and in relation to the services proposed to be availed by you from TCL. We shall not, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein and in furtherance to applicable law including the CICRA. The Parties agree to protect and keep confidential the Credit Information both online and offline.

Governing Law and Jurisdiction

The relationship between you and TCL shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of Mumbai.

Definitions:

Capitalised terms used herein but not defined above shall have the following meanings:

“Business Day” means a day (other than a public holiday) on which banks are open for general business in Mumbai.

“Credit Information Report” means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by TransUnion CIBIL.

“Credit Score” means the score which shall be mentioned on the Credit Information Report which shall be computed by TransUnion CIBIL.

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