1. Introduction
Credmarg Technologies Private Limited (hereinafter referred to as "the Company"), through its Website and Mobile Application called "Kilope", runs an employee financial wellness platform. It allows the employee users to track their salary and enables them to withdraw the earned amount of salary at any point of time, at an agreed transaction fee which extends the credit by Non-Banking Financial Companies with whom the Kilope has made arrangements.

Is an intermediary as defined under Section 2 (w) of the Information Technology Act, 2000, and this Legal Notice is in consonance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.
By clicking "Join Now," "Sign Up," registering, accessing, or using the Kilope Platform, you agree to enter into a legally binding contract and be bound by the present Terms of Use. If you do not agree to any of the Terms of Use, you should not click "Join Now" (or similar) and should not access or otherwise use the Kilope Platform or the Product and Services. If you wish to terminate this agreement at any time, it can be done by closing the user account and no longer accessing or using the Kilope Platform or Products and Services.

Even otherwise, when you use the Kilope Platform, you agree to all of these Terms of Use. The use of this Platform is also subject to companies' other policies, but not limited to the Privacy Policy, which covers how Kilope collects, uses, shares, and stores the personal information of users.

You acknowledge that you have read these Terms of Use and the other Policies, including but not limited to Privacy Policy, and agree to all its terms and conditions. Kilope reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use. We shall notify You of any updates or changes in the Terms of use. Post such notification; It shall be your responsibility to review the updated Terms of use. Your continued use of the Kilope Platform following the posting of changes to the Terms of Use and the notification mentioned above shall be deemed to mean that you have reviewed the updated Terms of Use and accept and agree to the updated Terms of use. Kilope reserves the right to terminate Your Account/this agreement and/or refuse to provide You with access to the Kilope Platform if it is brought to Kilope's notice or if it is discovered that you are not eligible to use the Kilope Platform. These Terms of Use shall be deemed to be an electronic record laying down the mutually acceptable terms for the use of the Kilope platform by You. An electronic record generated by or through a computer system does not require any physical or digital signatures.

2. Definitions
i. "Employee" shall mean any person employed in full-time service with the Employer, having a minimum service/employment history of 3 months with the Employer and a fixed salary.
1. "Employer" shall mean any organization or entity which employs the User Employee, with whom Kilope has a separate agreement for facilitating the extension of Salary Advance Facility from the NBFC to the User Employee and who has agreed to repay the Salary Advance Facility to NBFC by debiting the salary of the User Employee, on behalf of the User Employee.
2. "NBFC" shall mean the Non-Banking Financial Company that has agreed to consider extending the Salary Advance Facility to the User Employee subject to the User Employee executing the Salary Advance Facility Documents and paying the Transaction Fees.
3. "Transaction Fees" shall mean the charges payable by the User Employee to NBFC for availing of the Salary Advance Facility.
4. "Products and Services" shall mean products, features, services, technologies, software, etc., that are being offered on the Kilope Platform.
5. "Repayment Nodal Account" shall mean a bank account designated by the NBFC to collect all the sum of money due to be repaid by the User Employees. The Employer would deposit the said sums after deducting the same from the salary of the User Employee.
6. "Salary Advance Facility" shall mean the amount sanctioned in the form of loan/credit facility as advance salary subject to appraisal by the NBFC and Kilope and agreed to be disbursed to the User Employee by NBFC as per Salary Advance Facility Documents; irrespective of whether such disbursement is in whole or parts, as per the request of the User Employee through the Platform belonging to Kilope platform.
7. "Salary Advance Facility Documents" shall mean the Agreements or any other document (as amended, restated, or modified from time to time) executed by the User Employee with NBFC for the grant of Salary Advance Facility, capturing the terms and conditions for the grant of Salary Advance Facility by NBFC including but not limited to loan application, facility/loan/credit facility agreement, security documents, etc. or any other document stipulated by NBFC from time to time.
8. "User Employee" shall mean any Employee employed with the Employer who is a registered user of the Kilope Platform and has agreed to draw advance salary by availing Salary Advance Facility from NBFC on the basis of leads/reports generated by the Kilope Platform. These Terms of Use set out the binding terms and conditions for use by a User Employee ("You") of the kilope Platform and the related Services as defined hereinbelow.
3. Acceptance of Terms of Use
Kilope Platform, along with the Products and Services, is licensed and not sold (hereinafter together referred to as "the License") to You for use only and solely in line with the present Terms of Use.
This License is being provided by the Company having its registered address at Plot no 10, Nectar Gardens, Kavuri Hills Road, Hyderabad, Telangana-500081. The terms Kilope and the Company are used interchangeably in the Terms since Kilope is a platform owned and run by the Company.

4. Account Creation
i.In order to use the Kilope Platform and Product and Services, you will be required to create an account ("Account"). As part of the Account opening process, you have to provide your name, gender, date of birth, age, phone number, photograph, other personal details, an email address, and a password, etc., which is to be used for logging into the Account in the future. Further, in order to avail the Salary Advance Facility, You will have to inter alia provide details including but not limited to your employee identification number with the Employer, official email id, your employment history with the Employer, attendance details, KYC details (PAN, Aadhar Card, Address Proof, Salary Slip, account details and bank statements, income tax returns, etc.).
1. You hereby agree and undertake that you will not transfer or share your Account details and password with anyone. The confidentiality of your username and password is to be maintained by you as your sole responsibility. In case of any misuse or unauthorized access to the Account, you shall be solely liable for the same. Further, in case of any such misuse or unauthorized access, it would be your responsibility to inform and notify Kilope immediately.

5. User eligibility and the conditions of use
You explicitly agree, represent, and warrant that you:
i.can enter into legally binding contracts are not "incompetent to contract" under the Indian Contract Act, 1872 and have the capacity to enter into the present contract.
1. Shall not give access to your respective Account to others or transfer the Account to anyone else.
2. You or your Account has not previously been disabled by Kilope for violations of its terms or policies.
3. Are not prohibited from using the Kilope Platform or the Products and Service under applicable laws or orders/directions/judgments of courts.
4. Shall not do anything that is unlawful, misleading, discriminatory, or fraudulent.
5. Shall not upload viruses or malicious code, or do anything that could disable, overburden or impair the proper working or appearance of Kilope Platform or interfere with or circumvent the security features of the Kilope Platform or the Products and Services, or any related mobile application, other mobile applications, or the Internet.
6. Shall not access or collect data from Kilope platform using automated means or attempt to access data for which there is no permission to access.
7. Shall not breach these Terms or any other Terms and policies that apply to the use of the Kilope platform.
8. agree, undertake and covenant that, during the use of the Kilope Platform; you shall not use, host, display, upload, modify, amend, publish, transmit, update or share any information or content, including but not limited to User Content that:
• Belongs to another person or entity and in relation to which you do not have any right.
• Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another person's privacy, hateful or racially or ethnically objectionable, or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever.
• Is misleading or false in any way.
• Involves the transmission of "junk mail," "chain letters," unsolicited mass mailing, or "spamming."
• Infringes upon or violates any third party's rights including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person's name, email address, physical address, phone number, photographs), or rights of publicity.
• Provides instructional information about illegal activities such as violating someone's privacy or providing or creating computer viruses and malware such as spyware, worms, trojans, etc.
• Tries to gain unauthorized access or exceeds the scope of authorized access to the Kilope Platform or the account information of other Users etc.
• Engages in commercial or business activities, including but not limited to activities for gain, contests, sweepstakes, barter, advertising, etc.
• Interferes with another user's use of the Kilope Platform.
• Contains software viruses or any other computer codes, files, or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any trojan horses, worms, or other computer programming routines that may damage, detrimentally interfere with, diminish the value of, covertly intercept or steal any system, data or personal information.
• Harms minors in any way;
• Threatens India's unity, integrity, defense, security or sovereignty, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offense or prevents investigation of any offense or is insulting to any other nation.
• Is misuse or unauthorized use of the Kilope Platform or is a use prohibited by law or is unlawful.
6. Availing of the Products and Services
You may, after opening an Account on the Kilope Platform, apply for the Salary Advance Facility by submitting your request on the Kilope Platform through a form on the Kilope Platform which shall contain the details of the proposed Salary Advance Facility, including but not limited to the amount, the date of repayment, mode of disbursement, etc. (hereinafter referred to as the "Application Form").
1. As a part of the application for Salary Advance Facility, you shall be required to provide details and documents relating, including but not limited to, income, employment, or professional status, such other information as NBFC may require in terms of the KYC Regulations applicable to it ("Preliminary Information").
2. You hereby also authorize the NBFC and Kilope to get your credit information report from one or more credit information companies from time to time.
3. You shall also be required to sign and execute the Salary Advance Facility Documents, as may be required by the NBFC, from time to time.
4. The Application Form, Preliminary Information, Salary Advance Facility Documents, and other reports/information shall thereafter be provided to the NBFC for KYC and e-KYC verification and/or to such other verification by any agency such as lawyers, search clerks, accountants, or valuers as may be appointed or designated by the NBFC.
5. Pursuant thereto and subject to due diligence/approval by the NBFC, the Salary Advance Facility may be extended to You subject to your agreeing to pay the Transaction Fees as provided in the Salary Advance Facility Documents.
6. You agree and understand that the Salary Advance Facility would be extended strictly in terms of the Salary Facility Documents executed between You and the NBFC and the present Terms of Use and the Privacy Policy.
7. You hereby also irrevocably authorize the Employer to deduct the amount of the Salary Advance Facility, interest accrued thereon as per the Salary Advance Facility Documents and the Transaction Fees, whenever the same is due as per the Salary Advance Facility and deposit the same in the Repayment Nodal Account as designated by the NBFC.
8. The present Terms of Use, Privacy Policy, Application Form, Salary Advance Facility Documents, and all other documents executed by You shall form the entire understanding for extension of the Products and Services.
7. License and its scope
As long as You comply with these Terms of Use and other policies including but not limited to Privacy Policy, Kilope grants you a personal, non-exclusive, non-transferable, limited privilege to access and use the Kilope Platform and Product and Services.
You may not rent, lease, lend, sell, redistribute or sublicense the Kilope Platform for any purpose, including but not limited to any business or commercial use. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Kilope Platform and/or Products and Services, any updates, or any part thereof. The terms of this License will govern any upgrades provided that replace and/or supplement the original Kilope Platform and/or Products and Services unless such upgrade is accompanied by a separate license, in which case the present Terms of Use and the terms of the License for that upgrade will govern.
8. Specific permissions, consent, and authorizations given by you
You hereby agree, permit, consent, authorize and provide:
i.A non-transferable, non-sublicensable, and limited right to Kilope to use, store, copy, update, process, and share information, details, documents, etc. relating to You that You provide on or through the Kilope Platform with your voluntary and informed consent solely to provide the earned Wage advance facility. You agree and provide your consent to share your information accessed by Kilope provided on or through the Kilope Platform for providing the earned wage advance facility for the following purposes:
· For extending and facilitating the earned wage advance facility.
· For KYC verification and authentication by agencies duly authorized by Kilope.
· For legal and regulatory purposes.
· For providing You with an improved and a better user experience.
Further, sharing of your information with any third party for purposes except as outlined above shall be subject to prior intimation and your consent.
ii. Consent and authorize the Employer to share Your attendance data, other details, etc., to enable calculation of the maximum Salary Advance Facility that You may be eligible to draw based on the number of hours/days you have worked with the Employer.
1. Consent to receive all communications at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, I further authorize Company to share/disclose the information to any third-party service provider or any affiliates, group companies, their authorized agents, or third-party service providers.
2. Consent to using 3rd party service to verify KYC details, including PAN (through NSDL or other portals), phone number, and bank account
3. Specific consent to share the Application Form, Preliminary Information, and all other details and information relating to You, including personal information, KYC documents, etc., with the NBFC.
4. Consent to collect and share the duly executed Salary Advance Facility Documents, repayment cheques/NACH/ECS, etc., with the NBFC, on your behalf.
5. Consent to the receipt of communication from Kilope or the NBFC by way of, including but not limited to SMS, emails, WhatsApp, and newsletters. This consent and permission shall supersede and prevail over any preferences set or registration done with the Do Not Disturb (DND Register)/ National Customer Preference Register (NCPR).
6. Consent to use and gather technical information about Your device, system, and application software and peripherals to facilitate the provision of software updates, product support, other services, technology, and improve products and services related to the Kilope Platform or Products and Services.
7. Irrevocably authorize the Employer to deduct, at source, the amount of the Salary Advance Facility, interest accrued thereon as per the Salary Advance Facility Documents and the Transaction Fees, and deposit the same in the Repayment Nodal Account designated by the NBFC towards repayment to the NBFC.
8. Permission to track your location and your whereabouts in order to ensure that the repayment of the Salary Advance Facility, interest accrued thereon as per the Salary Advance Facility Documents, and the Transaction Fees can be pursued and ensured. The said tracking shall continue during the provision of the Products and Services, and even in case You discontinue, stop or cease to use or avail the Products and Services, through deletion or uninstallation of the Kilope Platform or otherwise, till the event the amount due to the NBFC stands repaid in full.
9. Consent to receive sponsored content and show ads Kilope thinks will be relevant to you. Kilope may use Your data and/or information to help determine which ads to show to You.
9. Intellectual Property Rights belonging to Kilope
These Terms of Use do not transfer to you any Intellectual Property Rights and other proprietary information, including but not limited to the copyright, trademarks, service marks, graphics, and logos used in or in connection with the Kilope Platformor the Products and Services. The said Intellectual Property Rights are owned by Kilope or third parties, and all rights, titles, and interests in and to such property will remain solely with Kilope Platform or third parties, as the case may be. Your use of Kilope Platform or Products and Services grants you no right or license to reproduce or otherwise use any Kilope or third-party Intellectual Property Rights. You cannot copy, post, distribute, or reproduce any copyrighted material, trademarks, or other proprietary information of Kilope, third parties, etc.

10. Links to Third Party Applications or Websites
Kilope Platform may contain links and interactive functionality interacting with the websites or applications of third parties, including but not limited to payment gateways, links to advertisements, etc.
Kilope is not responsible for and has no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms, or content of any such third-party website or application. Kilope shall not be liable or responsible for any such interactions that you may have with any such third-party websites, applications or links, etc.

11. Disclaimer of warranties and liabilities
You expressly acknowledge and agree that the use of Kilope Platform or the Products and Services is at your sole risk and that the entire risk as to the satisfactory quality, performance, accuracy, etc., is with you. Kilope Platform and the Products and Services are provided on an "as is" and "as available" basis, with all faults and without warranty of any kind.
Kilope hereby disclaims all warranties and conditions to the Kilope Platform and Products and Services, either express or implied, including, but not limited to the implied warranties and/or conditions of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, of quiet enjoyment and non-infringement of third party rights. Kilope does not warrant interference with your enjoyment of the Kilope Platform and Products and Services, that the functions contained in or services performed or provided by the Kilope Platform will meet your requirements, that the operation of the Kilope Platform or Products and Services will be without delays, disruption or imperfections, uninterrupted or error-free, or that defects in the Kilope Platform will be corrected. Kilope shall not be liable under any circumstances for damages arising out of or related in any way to your inability to access, or your difficulty in accessing the Kilope Platform, any hacking attacks, malware infection, bugs, viruses, trojans, or the like, which may be transmitted to or through the Kilope Platform by any third party (even though all efforts will be made to secure the Kilope Platform); any loss of your data or your failure to keep your password or Account details secure and confidential.
Kilope shall have no responsibility for any damage to your mobile handset or computer system or loss of data resulting from downloading any content, materials, document, or information.
Kilope Platform may contain views, advice, and statements of third parties, but Kilope does not endorse the accuracy or reliability of any views, advice, or statements. You relying on such views, advice, and statements shall be solely at your risk and cost.

12. Limitation of liability
To the extent not prohibited by law, in no event shall Kilope be liable for personal injury or any exemplary, incidental, special, indirect, or consequential damages whatsoever, including, without limitation, damages for loss of profits, loss of data, information, content, personal loss, business interruption or any other commercial damages or losses, arising out of or related to your use or inability to use the Kilope Platform or Products and Services, however, caused, regardless of the theory of liability (contract, tort or otherwise) and even if Kilope has been advised of the possibility of such damages. Notwithstanding anything contained herein or the Privacy Policy or any other policy, in no event shall Kilope's total liability to you for all and any damages, losses, claims, etc. exceed the number of Transaction Fees paid by you to the NBFC for availing the Salary Advance Facility.

13. Indemnification
You agree to indemnify and hold Kilope and its affiliates, directors, officers, employees, and agents harmless from and against any liabilities, losses, damages, or costs, including reasonable attorneys' fees incurred in connection with or arising from your breach of any of the Terms of Use or other policies including but not limited to the Privacy Policy and any third-party allegations, claims, actions, disputes or demands asserted by any of them as a result of or relating to your use of Kilope Platform and Products and Services or breach of any of the present Terms of Use or other policies including but not limited to the Privacy Policy.

14. Force Majeure
Notwithstanding anything contained herein or the Privacy Policy or any other applicable policy, Kilope shall under no circumstances be held liable for any damages, losses, loss of Products and Services, etc. resulting directly or indirectly from causes beyond its reasonable control, including, without limitation, acts of nature, failures of the Internet or computer/telecom equipment, change in regulations such as Reserve Bank of India regulations, or other government regulations, riots, epidemics, storms, civil disturbances, floods, etc.

15. Termination
The agreement is effective until terminated by You or Kilope. You can terminate this agreement by closing the user account and no longer accessing or using the Kilope Platform or Products and Services.

Your rights under this agreement will terminate without notice if You fail to comply with or breach any of the Terms of Use or any other policies, including but not limited to the Privacy Policy, or if it is discovered that you are not eligible to use the Kilope Platform Upon termination of the License, You shall cease all use of the Kilope Platform and Products and Services and destroy all copies, full or partial, of the Kilope Platform. In case of any termination by either You or Kilope or in case of deletion, uninstallation, or discontinuation of use of the Kilope Platform, You will not be absolved from your obligation and liability of repaying the outstanding dues, including but not limited to the amount of the Salary Advance Facility, interest accrued thereon as per the Salary Advance Facility Documents and the Transaction Fees, to the NBFC nor any rights of recovery in relation to it would be waived off.

16. Governing Law, Jurisdiction, and Arbitration
i.The formation and interpretation of these Terms of Use, Privacy Policy, or any other applicable policy and any disputes arising in relation thereto shall be governed by India's substantive and procedural laws. Courts at Hyderabad, Telangana, India, shall have exclusive jurisdiction in or in relation to any matter arising under the present Terms of Use or connected policies, including but not limited to the Privacy Policy.
1. In the event of disputes, differences, or claims arising out of or in connection with these Terms of Use and/or the other applicable policies, including but not limited to Privacy Policy or in any way relating thereto or any term, condition, or provision herein mentioned or the construction or interpretation thereof or otherwise in relation thereto, Kilope and You shall first endeavor to settle such differences, disputes or claims by amicable settlement and failing such settlement, the same shall be resolved by arbitration by a sole Arbitrator to be appointed mutually by Kilope and You. The arbitration proceedings shall be held in accordance with the Arbitration and Conciliation Act, 1996, or any statutory modification or re-enactment thereof for the time being in force. The place of Arbitration shall be Hyderabad, and the proceedings shall be conducted in the English language.
17. Amendments and Modifications
Kilope reserves the right to modify this Terms of Use or policies including but not limited to Privacy Policy relating to the Kilope PlatformPlatform or Products and Services at any time, effective upon posting of an updated version of this Terms of Use or the said policies, as the case may be, on the Kilope PlatformPlatform. Upon doing so, the revised updated date shall be reflected at the bottom of the page containing the Terms of Use or the said policies. Continued use of the Kilope PlatformPlatform or Products and Service after any such changes shall constitute your consent to such changes to the Terms of Use or said policies.
18. Mechanism for Grievance Redressal
In accordance with the Information Technology Act, 2000 and Rules made thereunder, the contact details for raising grievances, if any, are provided below:
Address: Credmarg technologies Private Limited, Plot no 10, Nectar Gardens, Kavuri Hills Road, Hyderabad, Telangana – 500081.

Contact Number: +91 9672421830

E-mail: hey@kilope.com