PRIVACY POLICY

lendright

I. DEFINITIONS

• “Act” means Information Technology Act, 2000 and any amendments thereof;
• “LendRight” shall mean the website bearing domain name [https://lendright.in];
• “Applicable Law(s)” means all statutes, enactments, acts of legislature or parliament, ordinances, rules, bye-laws, regulations, notifications, policies, directions, directives and orders as such are in effect as of the date hereof or as may be amended, modified, enacted or revoked from time to time hereafter or other governmental restrictions or any similar form of decision of, or determination by any government, statutory authority, tribunal, board, court having jurisdiction over the matter in question in India;
• “Business Partner(s)” shall mean such entities that LendRight has a business partnership with, as updated from time to time;
• “Click – Wrap Agreement” shall mean the undertaking taken by a Student when they sign up on the any platform operated by LendRight, through which such Student consents to the terms of the privacy policy and terms of use;
• “Consent” shall mean as per Clause (III) of the Privacy Policy;
• “Database” shall have such meaning as ascribed to it under Clause IV
• “Education Institute” shall mean, a registered User of the Platform, representing an Indian or foreign educational institution which provides graduation or post – graduation program to Students through LendRight;
• “KYC” shall mean the know your customer details required to verify prospective customers' addresses and identities;
• “Lender” shall be a financial institution which provides education loan(s) to students referred by LendRight ;
• “Log Data” shall include internet protocol address, browser type, browser language, referring URL, files accessed, errors generated, time zone, operating system and other visitor details collected in Our log files, the pages of our Website that You visit, the time and date of Your visit, the time spent on those pages/ and other statistics;
• “Platform” shall mean https://lendright.in or any other associate website as may be notified from time to time
• “Purpose” includes,
  • To provide effective Services;
  • To resolve any customer support related issues;
  • To operate and improve the Platform;
  • To perform research and analysis for our understanding, information, analysis, Services and technologies in order to provide all users improved quality of care; and ensuring that the content and advertising displayed are customized to Your interests and preferences;
  • To contact You via phone, whatsapp, SMS or email for appointments, technical issues, payment reminders, obtaining feedback and other security announcements;
  • To send promotional and marketing emails from us via SMS, email, whatsapp, snail mail or third-party communication Services such as LinkedIn, Facebook etc.;
  • To advertise products and Services of LendRight to third parties;
  • To transfer information about You, if we are merged with another company;
  • To share with our Business Partners, and their affiliates, for provision of specific Services You have ordered so as to enable them to provide effective Services to You;
  • To administer or otherwise carry out our obligations in relation to any agreement You have with LendRight;
  • For purposes of KYC verification;
  • To build Your profile/user account on the Platform;
  • To investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our Terms of Use, breach of our agreement with You or as otherwise required by law;
• “Personal Information”, in addition to Rules 2(i) and 3 of the Rules (defined hereinafter), shall mean information such as (a) name of the user; (b) birth date/age; (c) gender; (d) address, and pin/postal code; (e) financial information, (f) academic details (g) income expectations from signing up with us, (h) choice of admission (i) match score (j) additional information such as passport, driving license, proof of possession of Aadhaar number, voter’s identity card issued by the election commission of India, (k) phone number/mobile number; (l) email address, as per requirement, both work and / or personal; (m) your usage details such as time, frequency, duration and pattern of use, features used, and the amount of storage used; (n) log data; (o) IP address (p) cookies and (q) any other information that is willingly shared by you, as and when collected;
• “Rules” means the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011;
• “Services” shall have the meaning ascribed to it under Clause (II)(1);
• “Student(s)” shall mean such registered users on the Platform, that have consented to connect with specific Education Institutes or Lenders;
• “User”, or “You”, or “Your” shall refer to the user who is browsing this Platform.

II. PRIVACY POLICY

• This privacy policy (“Privacy Policy”) governs Your use of the Platform, which provides a communication and connection gateway for Indian students who want to study abroad, at top universities, and helps them find suitable funding for their masters abroad through various Lenders (“Services”).
• This Privacy Policy has been duly framed in accordance with the Act and the Rules to ensure maximum protection to the information provided by You. This electronic record is generated by a computer system and does not require any physical or digital signatures.
• LendRight along with its affiliate entities are owned and operated by Srikant Baheti (hereinafter referred to as “We”, “Us” or “Our” which expression shall mean and include its affiliates, successors and permitted assigns). The Platform is owned by Srikant Baheti
• By mere use of the Platform, You agree to abide by the terms and conditions pertaining to collection, retention, and use of information set forth in this Privacy Policy. If You do not agree to the Privacy Policy, You may exit the Platform and cease to utilize the Services. In this case, the Platform will be unable to provide you with its Services. Your continued usage of the Platform is deemed denote Your acceptance to be bound by the Privacy Policy.
• This Privacy Policy provides You with details about the manner in which Your data is collected, stored and used by Us. You are advised to read this Privacy Policy carefully. By visiting the Platform You expressly give Us consent to use and disclose Your Personal Information in accordance with this Privacy Policy. If You do not agree with the terms of the Privacy Policy, please do not use or access the Platform.

III. CONSENT OF USER

• You warrant and represent that You are accessing the Platform for the purpose of availing funding for education abroad as mentioned in Clause II, and not for any other business or commercial purposes.
• You acknowledge that Your Consent is being obtained for the Purpose defined under Clause 1(6) for, including but not limited to, data sharing, data collection, use and disclosure of Personal Information.
• You acknowledge that Your Consent is being obtained via Click – Wrap Agreement for sharing Your Database with the Lender or Educational Institute.

IV. POINTS OF DATA COLLECTION

• We collect information from Users when Users access the Platform and / or use any of the features available on the Platform.
• The Platform may also request other Personal information at the beginning of and / or during the course of Services, to provide the Users with other benefits of the Services.
• We collect information from Users when Users grant permission to the Platform through their electronic device, such as, laptop, personal computer and / or smartphone.
• We also receive information including results from Google analytics and other agencies which are not proprietary data of LendRight and are therefore not within the controls of LendRight.

V. COLLECTION OF INFORMATION

In order to provide Our Services, We may collect the following types of information:

• User information – When You use the Services, We automatically receive and record information from Your device and applicable browser. Such information may include Your Contacts, location of Your device, text messages, Your device storage, Your IP address, cookie information, software and hardware attributes, contacts and unique device ID. Most of the information We collect during Your use of Our Platform, such as Your device and hardware IDs and device type, the content of Your request, and basic usage stats about Your device and general use of Our Services does not by itself identify You to Us, though it may be unique or consist of or contain information that You consider personal. Specifically, We collect, retain and use information collected, retained and shared through social media platforms according to the applicable terms and conditions of their privacy policies.
• Personal Information and Database – Basis Your use of the Platform and/or Services we may also collect Your Personal Information and Database.
• User Id – In order to avail the Services, You shall have to sign up on the Platform. We shall record Your Personal Information as furnished by You to the Platform.
• Use history and preferences – We save Your query terms as well as the experience/category selected, these may be associated with the unique User ID of Your device. We also save Your preferences as recorded through Your use of the Services and use them for personalization features.
• Cookies – When You use Our Services, We may send one or more cookies. "Cookies" are small files placed on your hard drive that assist us in providing Our Services. Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your storage at the end of a session.
  We use cookies to improve the quality of Our Service by storing User preferences and tracking User information. Cookies shall have limited scope, either for the purpose of User enrolment/registration for imparting Services. You are always free to decline our cookies if Your browser permits, although in that case You may not be able to use certain features on the Platform.
  Additionally, you may encounter "cookies" or other similar devices on certain pages of the Platform that are placed by third parties. We do not control the use of cookies by third parties.

VI. USE OF INFORMATION

• We collect Personal Information primarily to enable us to provide Our Services to You. We share Your Database with Lenders or Educational Institutes only upon express consent from You via a Click – Wrap Agreement.
• The Personal Information We collect allows Us to keep You posted on Our latest announcements, upcoming events, including confirmations, security alerts and support and administrative messages. It also helps Us to improve Our Services. If You do not want to be on Our mailing list, You can opt out at any time by updating Your preferences on the Platform.
• From time to time, We may use Your Personal Information to send important notices, such as communications and changes to Our Terms of Use or Privacy Policy. Since, this information is important to Your interaction with Us, You cannot opt out of receiving these communications. We may also use Personal Information for internal purposes such as data analysis and research to improve Our Services, products and customer communication.
• We collect Non-Personally Identifiable Information about Our Users generally to improve features and functionality of the Platform. We may analyze trends through aggregated demographic and psychographic offers to users. We may also share this Non-Personally Identifiable Information with Our partners to allow them to assist Us in delivering tailored advertisements, promotions, deals, discounts, and other offers to You when You use the Services. We collect information from You when You participate in sweepstakes or other promotions offered on Our Platform.
• We may also collect information about You through other methods, including research surveys or information We obtain from third parties, including verification services, data services, as well as public sources. LendRight shall not be responsible for any breach of privacy, or any issues related to accuracy of such third party data or third party information.

VII. SHARING

We only share Personal Information with other companies or individuals in the following limited circumstances:

• We may share with third parties the location of Your device in order to improve and personalize Your experience of the Services.
• We may share with third parties certain pieces of non-personal information, such as the number of Users who used a particular Service, users who clicked on a particular advertisement or who skipped a particular advertisement, as well as similar aggregated information. Such information does not identify You individually.
• We may share with third parties’ Unique Device ID. While such information does not by itself identify You to us, it may be unique or consist of or contain information that You consider personal, however such information does not identify You individually.
• We provide such information to trusted businesses or persons for the purpose of processing Personal Information on Our behalf. We require that these parties agree to process such information based on Our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.
• Advertisers: We allow advertisers and/or merchant partners (“Advertisers”) to choose the demographic information of Users who will see their advertisements and/or promotional offers and You agree that We may provide any of the information We have collected from You in non-personally identifiable form to an Advertiser, in order for that Advertiser to select the appropriate audience for those advertisements and/or offers.
• If You sign through a third-party social networking site or service, Your list of “friends” from that site or service may be automatically imported to the Platform and or Service. We do not control the policies and practices of any other third party website or service.

VIII. SECURITY

The security of Your Personal Information is important to Us. We take precautions, including administrative, technical and physical measures, to safeguard Your Personal information against loss, theft and misuse, as well as against unauthorised access, disclosure, alteration and destruction. When You enter Personal Information on Our Platform We encrypt that information. This Platform has various electronic, procedural and physical security measures in place to protect the loss, misuse and alteration of information, or any accidental loss, destruction or damage to data. When You submit Your information via the Platform, Your information is protected through Our security systems.
However, We cannot guarantee the complete security of Your information, and there is some risk that an unauthorized third party may find a way to circumvent our security systems or that transmission of Your information over the Internet will be intercepted.

IX. STORAGE OF DATA

• LendRight will store Your Personal Information which shall be retained up to such period wherein such information is necessary to be stored. In the event, You terminate your Services with Us, Your express consent to this Privacy Policy, shall be understood as withdrawn.
• In the event You decide to stop availing Services, including but not limited to, deleting the Personal Information stored with LendRight, the same shall be honored by LendRight, if requested in writing to us. Any Personal Information deleted by LendRight shall not be available for being restored under any circumstances.
• LendRight will keep records of communications, including but not limited to, phone calls received and made for making enquiries, orders, feedback and / or any other purposes for rendering Services effectively and efficiently. LendRight will be the exclusive owner of such data and records.
• As a rule, all records are regarded as confidential. Therefore, will not be divulged to any third party, unless required as per the terms of this Privacy Policy or under Applicable Laws.
• The data received by Lendright from the Educational Institutes accruing from the separate agreements that such universities have with Lendright Inc., are stored and processed in a manner as required under the applicable state law within United States of America where such university is located.

X. ACCESSING THIRD PARTY WEBSITES

Website, mobile site and mobile app may contain links to other websites. Please note that when you click on one of these links, you are entering another website for which LendRight has no responsibility. We encourage you to read the privacy statements of all such sites as their policies may be materially different from this Privacy Policy. Of course, you are solely responsible for maintaining the secrecy of your passwords, and your membership account information. Please be very careful, responsible, and alert with this information, especially whenever you are online.

XI. PROTECTION OF CHILDREN

Use of the Platform is available only to persons who can form a legally binding contract under the relevant local laws applicable to Your country. If you are a User under the age of 18 (“Child User”), You may use the Platform only with the involvement of a parent or guardian. Please ensure that You have adequate consent from Your parent or guardian to access Services in accordance with the present Privacy Policy.
If You are the parent or guardian of a Child User, please advise Your child of the risks of posting Personal Information on Our Services or other online services, and that any information posted may be used by third parties without restriction. Notwithstanding anything contained herein, We shall always presume that every User has adequate consent and free-will to access Services and to enter into a legally enforceable contract with Us.
We also reserve the right to remove, at Our sole discretion, any content or material posted by a User which may be of defamatory or sexual nature or offensive to other Users in any manner, and take appropriate legal action against such User in accordance with Our Terms of Use.

XII. COOKIES

A cookie is a chunk of data that is sent to the Website from a server and stored on the hard drive of Your computer and/or mobile (“Cookies”). A session Cookie disappears automatically after You close Your browser. A persistent Cookie remains after You close Your browser and may be used by Your browser on subsequent visits to the Services. We may use Cookies related information to: (a) remember Your data and/or Personal Information so that You will not have to re-enter it during Your visit or the next time You access the Services; (b) provide customised third-party advertisements, content, and information; (c) monitor the effectiveness of third-party marketing campaigns; (d) monitor aggregate site usage metrics such as total number of visitors and pages viewed; and (e) track Your entries, submissions, and status in any promotions or other activities.
We may allow third-party service providers, like advertisers, to place and read their own Cookies, web beacons, and similar technologies to collect data and/or Personal Information through Services. This data and/or Personal Information are collected directly and automatically by these third parties, and We do not participate in these data transmissions and these third-party cookies are not covered under this Privacy Policy.

XIII. MECHANISM OF SHARING DATA WITH THIRD PARTIES

• We may disclose Personal Information about You to the Lenders and/or Education Institutes we have tied up with, and other third parties as per Clause (IX). We also reserve the right to disclose your Personal Information to third parties in an anonymous or aggregate form, to understand customer trends and patterns and manage and improve our business relationships.
• We provide Your Personal Information to our Business Partners, representatives and third party processors to administer and process for the purposes notified to you in this Privacy Policy, and We may also share such details with third parties, including but not limited to, auditors or legal advisors to obtain professional advice. Any such processing will be governed by an agreement in the form required as per Applicable Law, preserving any and all of Your statutory data protection rights. You authorise Us to exchange, transfer, share, part with all or any of your Personal Information, across borders and from Your country to any other countries across the world with our affiliates/agents/third party service providers/partners/banks and financial institutions for the Purposes specified under this Privacy Policy or as may be required by Applicable Law.
• You acknowledge that some countries where We may transfer Your Personal Information may not have data protection laws which are as stringent as the laws of India. You acknowledge that it is adequate that when LendRight transfers your Personal Information to any other entity within or outside India, LendRight will place contractual obligations on the transferee which will oblige the transferee to adhere to the provisions of this Privacy Policy.
• You acknowledge that LendRight may be obligated by law to disclose and / or transfer your Personal Information with judicial and / or quasi – judicial courts and government agencies in certain instances such as for verification of identity or for prevention, detection, investigation, prosecution, and punishment for offences, or in compliance with Applicable Laws. In the event of any regulatory inquiry, including court issued warrants or written request from any agencies of the Government, supported by warrants, LendRight shall have no option but to de-encrypt the Personal Information to the extent sought and share the same with such regulator or court or appropriate authority upon receiving specific warrant from such authority issued by a competent court. In such an event LendRight shall not be liable in any way for such disclosure and LendRight shall not be responsible to either inform Users or seek Users’ prior approval.
• Notwithstanding the above, we are not responsible for the confidentiality, security or distribution of Your Personal Information by third party (ies) outside the scope of our agreement with such third party (ies), in accordance with Clause (VIII). LendRight will not be responsible for any breach of security or for any actions of any third parties or events that are beyond LendRight’s reasonable control, including but not limited to, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of internet service and / or telephone service of the User etc.
• LendRight may share Your Personal Information with Our other corporate and/or associate entities and affiliates or government officials or law enforcement officials to; (a) help detect and prevent identity theft, fraud and other potentially illegal acts and cyber security incidents, to help protect the property and rights of LendRight or any other third party, or to protect the safety of the public or any person, or to prevent or stop any illegal activity, (b) help and detect co-related/related or multiple accounts to prevent abuse of our services.

XIV. PRINCIPLES FOR PROTECTION OF PRIVACY

• Commitment to Privacy. The Platform is strongly committed to Users right to privacy and to keeping Users’ personal and financial information secure. To earn Users’ trust and confidence, we are fully disclosing our privacy practices. We encourage Users to read our Privacy Policy to understand what types of Personal Information we collect and how we use this information.
• Applicability. This Privacy Policy sets forth the reasonable security practices and procedures adopted by LendRight and shall apply to the use, disclosure and sharing Personal Information provided by the registered users of the Platform which is owned and operated by LendRight. This policy is equally applicable on the visitors to the Platform. The Privacy Policy outlines the various measures undertaken by LendRight to provide Users with a convenient and safe online/ experience, while maintaining and safeguarding the confidentiality, integrity, and security of Users’ Personal Information, during storage and transmission through the world wide web. This Privacy Policy explains how LendRight protects Personal Information provided by Users through the Platform and how LendRight stores and uses that information, to deliver the services on the Platform.
• Choice. You may choose whether / not to provide your Personal Information to the Platform. If you choose not to provide the Personal Information the Platform requests, you may still visit the Platform, but you may be unable to access the Services. If you choose to have avail Our Services, LendRight will naturally continue to contact you in connection with the said Services. We neither collect nor store your biometric information.
• Access/Accuracy To the extent that You do provide the Platform with Personal Information, the Platform wishes to maintain accurate, true and complete Personal Information. Where the Platform collects Personal Information from You, its aim is to provide a means to LendRight of contacting You. You should keep Your information updated and correct. If for any reason Your information is inaccurate, You may send updates and corrections about Your Personal Information to the Platform, and We shall make reasonable efforts to incorporate the changes.
• Change in Policy. This Privacy Policy is subject to change at any time, and it is advised that Users review this Privacy Policy periodically. Any change to this Privacy Policy will become effective as soon as it is posted or linked to the revised Privacy Policy on the Platform. Users shall receive a notification whenever there is a change in our Policy on Users’ registered email ID and the issuance of the notification shall constitute a fair amendment of the Privacy Policy.
• Retraction of User Consent. If at any time such changes are not agreeable to a User, then the User may terminate his registration with the Platform. Such termination and / or stopping of further use shall not result in any automatic deletion of Users’ Personal Information already stored with the Platform and the Platform takes no responsibility or makes no representation which would imply otherwise. However, We can assure you that the User’s Personal Information will be deleted or ceased to be retained by Us within reasonable time.
• Users’ Responsibility. It shall be the responsibility of the Users to read and assess such changes in the Policy once such notifications have been sent to Users’ registered email ID.

XV. NOTIFICATIONS

You may be contacted, by email, channels such as Whatsapp or other means; for example, We may send You promotional offers on behalf of other businesses, or communicate with You about Your use of the Service. Also, We may receive confirmation when You open an email from Us. This confirmation helps Us improve Our service. If You do not want to receive email or other mail from Us, please indicate Your preference by clicking on the “Unsubscribe” link at the bottom of the email or changing Your email settings on Your account settings page. Please note that if You do not want to receive legal notices from Us, those legal notices will still govern Your use of the service, and You are responsible for reviewing such legal notices for changes.

XVI. PURGING OF PERSONAL INFORMATION

Users’ Personal Information may be stored with the Platform for a period of time after the User ceases to use or access Our Platform for the purposes mentioned in this Privacy Policy and the same may be eventually erased / purged / removed from the Platform.

XVII. RIGHT TO INJUNCTIVE RELIEF

It is acknowledged and admitted by the User that a breach of the Privacy Policy by the User can cause irreparable damage to LendRight, and such damages may or may not be entirely quantifiable in monetary terms. Therefore, in the event of a breach of this Privacy Policy by the User, the User acknowledges that LendRight shall have a prima facie case and a favorable balance of convenience to seek an injunctive relief to stop such continuing breach from a court of competent jurisdiction.

XVIII. LIMITATION OF LIABILITY

• THE PLATFORM IS PROVIDED BY LENDRIGHT ON AN "AS IS" AND "AS AVAILABLE" BASIS. ALL WARRANTIES WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES AS TO NON-INFRINGEMENT, CORRESPONDENCE WITH DESCRIPTION, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE ARE EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW
• NO LIABILITY ARISING OUT OF ANY VIOLATION OF DATA PRIVACY LAW IN ANY OTHER COUNTRY OTHER THEN REPUBLIC OF INIDA SHALL RESIDE WITH LENDRIGHT.
• WITHOUT LIMITING THE GENERALITY OF ABOVE CLAUSE, LENDRIGHT MAKES NO WARRANTY THAT (I) THE PLATFORM WILL MEET USERS’ REQUIREMENTS OR THAT USERS USE OF THE PLATFORM, OR ACCESS TO THE PRODUCTS, WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE (II) THE QUALITY OF THE PLATFORM WILL MEET USERS’ EXPECTATIONS.
• LENDRIGHT SHALL NOT BE LIABLE FOR:-
  • ANY LOSS THAT USERS MAY INCUR AS A CONSEQUENCE OF UNAUTHORISED USE OF USERS ACCOUNT OR ACCOUNT INFORMATION;
  • ANY INTERRUPTION OR NON-AVAILABILITY OF THE PLATFORM DURING PERIODIC MAINTENANCE OR FOR ANY OTHER REASON INCLUDING BUT NOT LIMITED TO SYSTEMIC FAILURES AND ACTS OF GOD;
  • ANY INACCURACY, ERROR, OMISSION, INTERRUPTION, COMPLETENESS, DELETION, DEFECT, FAILURE OF PERFORMANCE, COMPUTER-VIRUS, COMMUNICATION LINE FAILURE, ALTERATION OF, OR ANY USE OF CONTENT HEREIN, REGARDLESS OF CAUSE, FOR ANY DAMAGES RESULTING THERE FROM; OR
  • ANY LOSS OF OPPORTUNITY, GOODWILL OR REPUTATION; OR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE ARISING HOWSOEVER;
  • ANY INVESTMENT DECISION/ACTION MADE BY A USER OR ITS CLIENTS ON THE BASIS OF INFORMATION AND PRODUCT DISPLAYED ON THIS PLATFORM;
  • ACCURACY, CORRECTNESS OR ORIGINALITY OF ANY DATA INCLUDING ALL INDICES PUBLISHED ON THE PLATFORM WHETHER THE SAME IS THIRD PARTY DATA OR OTHERWISE.
• USERS ACKNOWLEDGE THAT THE EXCLUSIONS AND LIMITATIONS ON SELECTRIGHT LIABILITY SET OUT IN THIS CLAUSE ARE DISTINCT AND SEPARATE PROVISIONS. IF ANY PROVISION OR PART-PROVISION OF THIS CLAUSE IS OR BECOMES INVALID, ILLEGAL OR UNENFORCEABLE, SUCH RESPECTIVE PROVISIONS SHALL BE SEVERED FROM THE PRIVACY POLICY AND THE PRIVACY POLICY SHALL BE READ WITHOUT SUCH UNLAWFUL PROVISIONS.

XIX. GRIEVANCE REDRESSAL MECHANISM

In order to address any of Your grievances and / or discrepancies of the information displayed on the Website, the Website shall designate the below mentioned grievance redressal officer(s) (“Grievance Officer”). The Grievance Officer shall redress all the grievances expeditiously but within 1 (one) month from the date of receipt of the grievance as provided under the Act.

• Grievance Redressal Officer : Srikant Baheti
• Contact Information : info@lendright.in

XX. INDEMNITY

Users shall indemnify, defend and hold harmless LendRight from and against any and all losses, liabilities, claims, damages, demands, costs and expenses (including attorney's fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by LendRight that arise out of, result from, or may be payable by virtue of any breach or non-performance by Users of any of the terms of this Privacy Policy use of the Platform.

XXI. GOVERNING LAW AND DISPUTE RELATION

All disputes arising out of this Privacy Policy and any disclaimers on the Platform:

• 1. In the event the User is located in India and has accessed the Platform from within the territory of India, shall be subject to the sole and exclusive jurisdiction of the courts of Mumbai, India, and

XXII. CONTACT INFORMATION

If You have any questions or concerns with respect to this Terms of Use or the Website or any information contained on thereon, You may contact Us by writing to Us at info@lendright.in. This Privacy Policy supersedes any previous versions.